under Minnesota law, the funeral expenses are reimbursable from the estate. These are paid"off the top" as are legal fees, personal representative compensation and other administrative expenses. All probatable assets are subject to being used for these expenses including personal possessions and other illiquid assets. This can be tricky especially since there may be exempt assets that are not discussed in your question. Suggestion #1:If your relative is still competent and alert, he may wish to change the beneficiary on his life insurance to be sure the funeral is taken care of. Suggestion #2: have the insurance policy beneficiary be the one who signs on the guarantee for payment that the funeral home will insist upon. This is a sitaution where you should consult with a probate attorney before you make any binding decisions. (If you found this information helpful, please check off a positive rating below.)
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Funeral expenses are a priority debt of an estate in almost all jurisdictions. What this means is that the funeral expenses are paid before general and other creditors. However, if the estate can not pay you back all the funeral expenses. you should discuss this with the beneficiary of the life insurance policy. Morally, that person should pay for the balance owed to you that the estate cannot pay you due to lack of liquidity. You should get that person to committ to paying you back IN WRITING. Otherwise, do not volunteer to pay for the funeral out of your own pocket.
You need to petition the court to have the holder of the POA removed from office. In addtion, the petition would demand a complete and full accounting of the POAs actions throughout the term of office. Finally, you could also demand to be named conservator of this disabled person.
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To answer your question, the will does NOT have to specifically say that. In fact, even if a person dies without a will, the funeral expenses are a priority expense to be paid from assets of the probate estate before others take their inheritance. You state there are no liquid assets but are there other assets, such as a car or investments, that will eventually be liquidated and become part of the probate estate? If so, and if those assets have enough equity after payment of secured creditors, you have something to eventually be paid from if you advance the funeral expenses. The life insurance proceeds will not be available as they pass free from probate expenses and creditor claims. Don't rely on the value of the person's primary residence for future reimbursement as the homestead, if it passes to a surviving spouse or children, is exempt from being used to pay for funeral expenses. Be sure to consult with a knowledgeable Minnesota licensed attorney regarding all the facts of your situation.