Hamilton, who is breaking down all kinds of barriers. Im steve kroft. Im leslie stahl. Im bill whitaker. Im charlie rose. Im lara logan. Im scott pelley. Those stories tonight on 60 minutes. My girl cindy bought this fridge from lowes thats what im talking about cindy. I like your style. Now get 20 off appliances 396 or more, at lowes. . Is depression more than sadness . . Its a tangle of multiple symptoms. . . Ne for depression. Trintellix may start to untangle or help improve the multiple symptoms of depression. For me, trintellix made a difference. Tell your healthcare professional right away if your depression worsens, or you have unusual changes in mood, behavior or thoughts of suicide. Antidepressants can increase these in children, teens, and young adults. Trintellix has not been studied in children. Do not take with maois. Tell your healthcare professional about your medications, including migraine, psychiatric and depression medications increased risk of bleeding or bruising may occur especially if taken with nsaid pain relievers, aspirin, or blood thinners. Manic episodes or vision problems may occur in some people. May cause low sodium levels. The most common side effects are nausea, constipation and vomiting. Trintellix did not have Significant Impact on weight. Ask your healthcare professional if trintellix stahl when you take out a Life Insurance policy, you pay premiums in the expectation that when you die your spouse or your children will receive the benefit. Audits of the nations leading Insurance Companies have uncovered a systematic, industrywide practice of not paying significant numbers of beneficiaries. At the time of our broadcast, 25 of the nations biggest Life Insurance companies had agreed to pay more than 7. 5 billion in back death benefits. However, about 35 Insurance Companies still had not settled and remained under investigation beneficiary was unaware there was a policy, something that is not at all uncommon. Kevin mccarty the beneficiary never comes forward, because he or she doesnt know the policy exists. Stahl but the companies know, says Kevin Mccarty, the insurance commissioner of florida, who led the National Task force investigating the industry. And the companies dont pay, he says, unless a beneficiary makes a claim. Mccarty and what we found is om knowledge in their files that people have died, yet they have neglected to initiate an investigation and pay the claim. Stahl so in other words, Life Insurance companies are failing to pay out death benefits when they know the person is dead, and theyre claiming they dont know. Mccarty in many cases, that has been exactly what we have found. Stahl when you found that, what went on inside you . Hounds of hell. Lets go after them, and expose them for the unconscionable, indefensible behavior that was going on. Stahl he says some of the policies are worth more than a million dollars. But most are valued at less than 10,000. Joseph bigony morning, joe stahl as a result of the audits, Joseph Bigony of West Virginia recently got a long overdue payment of more than 5,000 from his sisters policy. Bigony i was the administrator of her estate when she died in june of 1990, and we didnt know anything about this at all. Jeff atwater youre talking about millions of policies. Stahl millions . Atwater hundreds of thousands of policies that were dealing with just here in florida. Stahl jeff atwater is the chief Financial Officer of florida in charge of regulating the states Insurance Industry. Atwater you can assume from what we have found that the policies that should have paid out in the 60s, in the 70s, in the 80s, in the 90s were never stahl and youre saying its part of their plan . Atwater after all weve looked at, leslie, it would be hard to imagine. This is not a small dollar amount. These are billions of dollars that now stay in the investment accounts of these Insurance Companies rather than return money to those families. Stahl tell us some of the big names. Atwater it would be all the large brand names that youre familiar with john hancock, metlife, prudential. Many of these companies have sat down with us and made right. Stahl no one disputes that the insurers pay out on policies when the beneficiary f but says Kevin Mccarty of florida, many of the companies routinely and deliberately disregarded evidence in their own files that the policyholders had died. Unless someone filed a claim, he says, the companies would cancel the policy and keep the death benefit for themselves. Mccarty heres a Life Insurance policy thats issued in florida in january 2002. The insurer died in april of we actually have in the Insurance Companys file, a copy, a scanned copy, of the death certificate. And the accompanying envelope which displayed the spouses return address. Stahl with the spouses address on it. Mccarty its right here. Stahl let me see. Mccarty less than one month after the death the policy was terminated for nonpayment. Stahl industry lobbyists, like this one at a recent hearing in florida, argue that the burden falls on the beneficiaries. Lobbyist we all enter into contracts every day and if you sign that contract, youre obligated to know whats in it. Stahl the Companies Argue that in the policies that these people signed, it says, black and white, that they have to make the claim and show up with a copy or the policy itself. And if they dont do that, we dont have an obligation. Mccarty but florida law says something too. And you have to look at it not just in terms of the contract, and im here to say that you have a responsibility to investigate a claim if you know someone has died. And if you have a letter that says youre deceased, you have actual knowledge the person has died. Stahl Insurance Companies are regulated separately by each state and he says similar laws are on the books across the country. You see right there . Stahl state regulators first got wind of the Insurance Industry practice from jim hartley and jeff drubner who run a technology and Auditing Company called verus financial. Based on an insider tip in 2006, drubner, employing techniques he had used as an f. B. I. Agent, combed through Insurance Company data and discovered that the insurers were routinely using the Social Security death master file, which is a constantly updated list of people who have died in the United States. What was the significance to you that they were using the death jeff drubner i knew at that point that they knew because if you have stahl they knew who was alive and dead, is what youre saying . Drubner yeah, because they know who theyve insured and if they have a list of everybody thats passed away, i knew that they knew. Stahl what was the next step . Jim hartley the next step was to speak to the states. There wasnt one treasurer, one controller or one attorney general who didnt have a reaction that this shouldnt be allowed to happen and we have to fix it. Stahl drubner went on to discover that most Insurance Companies used the death master file only when it was to their advantage to cut off annuity, or retirement payments once the policyholder died. But they didnt then notify the Life Insurance side of the company. Mccarty we have actual cases, leslie, where a policyholder had both an annuity and a life policy. And they terminated the annuity, and of course they knew the person was dead, so they so stahl claimed over here that they didnt know he was dead . Right side told the left side and the other side said stahl and you saw it in the audits . You would just see it mccarty we saw it in the audits. Stahl Something Else they saw in the audits related to whole Life Insurance policies, that in addition to a death benefit build up a cash nest egg, like a 401k. What they found is that when a beneficiary did not come forward, the company continued to pay themselves premiums out of the dead persons nest egg. Instance, the nest egg was drained down more than 9,000 to zero after the person had died. California controller betty yee says that kind of siphoning off was widespread in cases where beneficiaries did not come forward. Betty yee how can you not be outraged by this . Stahl she says that in about a third of the cases, there was evidence of death in the file. Yee here we have a file that you saw with the word deceased in large, large unmistakable letters . Yee yes, yes. Deceased with the date of death. Stahl and still they didnt they didnt stop paying themselves. Yee no, no. And you wouldve thought with that kind of indication, a next step would be to confirm that by looking at the death master file and beginning the claims process with the family member. Stahl and they didnt. Yee they didnt. Stahl when the cash was all used up, the companies cancelled the policy. Under the law, theyre allowed their customers accumulated cash while theyre alive. Floridas mccarty says the law was originally intended as a way to protect consumers. Mccarty for instance, if you have a life policy and you lose your job and you cant make your premium payment, they will take some of the cash value thats built up in your policy and pay the premium. Which is great for consumer protection. Stahl but in this situation, after they died. Know in your books and records the person is dead and you drain the policy. Now if you think about that, if you would have explained that trying to sell that policy at the beginning stahl at the beginning. Mccarty youre sitting in your kitchen and saying, you know, youve got all these symbols of security and Financial Stability and were going to be there for you with your family in their grief, but they say, oh, by the way. If you stick that policy in a shoe box and stick it in your closet, not only are we not going to look for you, but were gonna to take all the cash value in it, and stahl give it back to the company. Mccarty give it back to the company. And leave your beneficiary with nothing. Here, sign here. Stahl the 25 Insurance Companies that have settled with the states admitted no wrongdoing, but agreed to pay out more than 7. 5 billion, either directly to the unpaid beneficiaries by phone. We have received some funds from an Insurance Company thats in your name. Stahl or online. Thousands of oklahomans are owed money from Life Insurance policies. Stahl none of the Life Insurance companies we contacted would give us an interview, but speaking on their behalf, the Industry Trade association, the American Council of life insurers, told us quote most life insurers are going well beyond what the law requires to identify policy owners who have died and left unclaimed benefits. Ken miller, the treasurer of oklahoma, says there are still about 35 Insurance Companies that have not settled and some are fighting tooth and nail. At stake, he says, is up to 3 billion more in unclaimed benefits nationwide. Whos fighting the hardest . Ken miller kemper is the main one. Stahl kemper, a chicago based Insurance Company, has around the country that would bar the states from forcing kemper to go back and search for unpaid beneficiaries. When we called kemper, they referred us to Steve Weisbart of the Insurance Information institute, who says making Companies Like kemper pay now would be unfair. Steve weisbart if we can say, do something today that you didnt expect to do and didnt plan to do and didnt collect money to do 30 years ago, what else can we s t that they should be doing retroactively. Its potentially an open door. Stahl a slippery slope is what youre saying . Weisbart a slippery slope. Stahl kemper has argued in Court Filings that its never used the death master file to identify deceased policyholders and that finding and paying their beneficiaries now would result in a substantial financial loss and require the company to. Substanially alter its business practices. Not going to pay a dead persons loved ones for a policy that theyve completely paid in full, to me thats just a bad policy. Stahl an oklahoma woman, sherry sanders, didnt know about her husbands policy until about a year ago when, because of a settlement, she got a check worth 22,000. We asked oklahoma treasurer miller how much an Insurance Company can make by holding on to the 22,000. Youve hit on something thats the most important issue. And thats the time value of money. Because thats what this is all about. This is about money. That 22,000 invested for 50 years at an 8 return becomes 1. 2 million. Stahl that the company gets because it sat there . Miller and thats just one small policy. If you expand that over all the policies thats just due to my state, its a tremendous amount of money, billions and billions of dollars. Industry has paid out more than 600 billion in death benefits over the last ten years, so the companies are doing a good job. Miller i dont think we should pat them on the back for doing what theyre supposed to do. Stahl but the Companies Say that this is only 1 of the Life Insurance policies. Miller then why fight it . If its so inconsequential, if its such a small amount, then why be spending your reputation to not pay dead peoples loved ones money thats rightfully due them . Stahl since our broadcast first aired, 11 additional Life InsuranceCompanies Holding about a billion dollars in unclaimed policies have either agreed to pay back death benefits or have entered into settlement talks to do so. Kemper is not one of those companies, and, in states like california, florida and illinois, it continues to fight audits and legislation requiring Insurance Companies to pay off youre that guy who switched to sprint. Sprints Network Reliability is now within 1 of verizon. Can you hear that . Dont let a 1 difference cost you twice as much. Switch to sprint today. . . . . Lara logan the holocaust is marked and memorialized at places like auschwitz, bergen belsen, dachau, but nearly half of the six million jewish victims were executed in fields and forests and ravines, places that were not named and remain mostly unmarked today. They were slaughtered in Mass Shootings and buried in mass graves in the former soviet union, where, until very recently, little had been done to find them. As we reported last october, our story is about a man whos he is not a historian or a detective or a jew. Hes a french Catholic Priest named father Patrick Desbois, and, for the past 15 years, hes been tracking down the sites where many of the victims lie and searching for witnesses who are still alive, many of whom had never been asked before to describe the horrors they had seen more than 70 years ago. Patrick desbois the general order was to eliminate the last jew, even the baby, even the old they never left anybody. Logan so it was a policy of total annihilation. Desbois total annihilation, and if hitler didnt lose the war, i think today will not be one jew alive. Logan father Patrick Desbois is on a mission across Eastern Europe to find hitlers hidden killing fields. Before him lies a continent of extermination. These mass graves and extermination sites, many of invisible. Under a corn field, under a house, under a tomato field, yeah, yeah. Logan and many of them would never be recorded. Desbois and never be recorded and still buried like animals. Logan we traveled with father desbois to the former soviet republic of moldova, where, in one day, he took us to four unmarked mass graves. In this field, he told us, 60 jews; beneath this farm, 100; above this city, under this a thousand bodies do you think theyre still here . Desbois yeah, yeah, theyre still here. Logan thousands of eyewitnesses, millions of documents, and 15 years of investigating have led him to more than 1,700 execution sites. Once in ukraine, under the supervision of a rabbi, he excavated one. Jewish tradition forbids moving the dead once buried, and the desbois and it was officially a place where no jew have been killed, and we found 17 mass graves. Logan and what did you find when you excavated. . Desbois you find everything. You see a mother with handing his boy until the end. And the boy try to go out. You see that another one was buried alive, so she had the mouth open because she was buried with the earth. Logan in june 1941, hitler invaded the soviet union. Just behind his frontline troope as the einsatzgruppen, whose job was to hunt down every last jew. They methodically entered villages, rounded up jewish families, and marched them to freshly dug graves. Some of the remains are buried beneath this mound in lithuania. The assassins reached even the most remote corners, like hiriseni, a tiny village in moldova. So, when the killers came here, they really had only one the jews and the gypsies. Only one goal always. Logan the village is virtually unchanged since the nazis stormed through here. Father desboiss team had gone ahead of us, searching for eyewitnesses to a