Can ex-spouse receive death benefits?

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PostPosted: Tue Mar 03, 2009 4:01 am   Post subject: Can ex-spouse receive death benefits?  

Can my ex-spouse receive my life insurance benefits even when she is remarried?



I’ve a small life insurance through my employer where my ex-wife is the beneficiary. She has expressed her desire to continue with her beneficiary status even when she is married now to another man.



I’d like to know, if I’m required to keep her on the policy or need to change it by informing the employer? Am I committing fraud if I don’t change the beneficiary name?


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Seagull
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PostPosted: Tue Mar 03, 2009 10:20 am   Post subject:   

Hi Seagull, as the policy holder you can name anyone as the beneficiary of the policy. Therefore, if you’re okay with keeping ex-wife on the plan you can do so. You may check with the company’s HR department. It may ask for written disclosure on dissolution of marriage.


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anonymous 12
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PostPosted: Tue Mar 03, 2009 1:11 pm   Post subject:   

Quote:
Can my ex-spouse receive my life insurance benefits even when she is remarried?
ONLY if YOU allow her too by continueing her as your beneficiary...



Quote:
I’ve a small life insurance through my employer where my ex-wife is the beneficiary. She has expressed her desire to continue with her beneficiary status even when she is married now to another man.
Well nothing like having your cake and eating it too huh? Bet she would like this..man i should tell my mom she has about four ex husbands, think of the possiblitys! WinkLaughing i'm just teasing you...do you really want her to have your money when your gone? do you have children with her? doesn't even matter, you just need to change this beneficiary if you have kids put them on their or a trusted family member or friend (parents, siblings, cousins whatever)...tell them what you want them to do with the money after burying expenses...

Quote:
I’d like to know, if I’m required to keep her on the policy or need to change it by informing the employer? Am I committing fraud if I don’t change the beneficiary name?
No you are not committing fraud, however IMO you are commiting alittle bit of stupid innocense... Wink (again just kidding...) contact your employer immediately and complete a beneficary change on this policy...she has ZERO right to this but were you to die the way it sets her and new husband can have a great time on YOUR money... Rolling Eyes man, the nerve of some people...i swear


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PostPosted: Tue Mar 03, 2009 1:54 pm   Post subject:   

Its pretty easy to get your beneficiary changed and I would do it as soon as possible. I am sure their are toher people you would rather have this money once you pass. I do like Loris humor and hope you got a smile out of it too. I would let my money to a brother, sister, child or even a charity. One more thing once you decide,please inform the person you are leaving as a beneficiary that this policy exists. Sometimes it is a nightmare for loved ones to find a hidden policy. Best to take care of this before hand.

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PostPosted: Tue Mar 03, 2009 2:50 pm   Post subject:   

Hi..



Lori has already suggested the best way out for you. The only thing that I'm curious about is the reason for your being so kind.



Quote:
I’d like to know, if I’m required to keep her on the policy or need to change it by informing the employer? Am I committing fraud if I don’t change the beneficiary name?


You're certainly not committing a fraud..



Your ex-wife has expressed her desire but it's solely up to you to stick to it or alter the beneficiary. As Fireyone has rightly pointed out..it's really been a cause of concern for many to locate a policy once it's lost. If you don't have a relative to look up to, a charity could be a good option. But do you really have children with her! Please keep us updated.



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PostPosted: Wed Mar 04, 2009 11:51 am   Post subject:   

Hi Seagull



Quote:
She has expressed her desire to continue with her beneficiary status even when she is married now to another man.




Well Seagull, the fact of the matter is, do YOU desire to keep her as beneficiary in your policy? If not then you have every right to remove her from your policy and put any Tom Dick or Harry (even me Wink ) as beneficiary.



Quote:
Am I committing fraud if I don’t change the beneficiary name?


No Seagull, you aren't committing any fraud. It is very simple. Keep her on your policy if YOU wish. Do not keep her in your policy if YOU wish. Both ways it is what you desire and not what your ex desires. Hope we've been able to put good sense and hope we've been able to help.


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PostPosted: Thu Mar 05, 2009 10:20 am   Post subject:   

Quote:
She has expressed her desire to continue with her beneficiary status even when she is married now to another man.




What if its mentioned in the court order? Can the court order be changed if the spouse get remarried?

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PostPosted: Fri Mar 06, 2009 5:13 am   Post subject:   

Quote:
What if its mentioned in the court order? Can the court order be changed if the spouse get remarried?




I think charlie'sgal if the OP's policy has a valid court order then it will be difficult for him to remove his ex-wife from the policy unless the ex-wife agrees in writing or the court order is modified. But does the OP have a court order in his policy?


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PostPosted: Fri Mar 06, 2009 11:32 am   Post subject:   

What I do not undersatnd is why the court steps in on these matters. A person should eb free to chose their own beneficiary. I can see maybe listing a child or children up until the age of 18 and I personally would list mine but once the legal age is past and the divorce is finalized who should say who a person leaves as their beneficiary? Think of it if you were married to someone who HAD to leave his ex of say 15 years all the death benefits. That just seems absurd.

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PostPosted: Fri Mar 06, 2009 5:50 pm   Post subject:   

That's right, you do not have to have your ex listed as a beneficiary! My God, she must be watching too many Lifetime movies! What's her reason for wanting to stay on as a beneficiary, "the Kids"? Just as the folks said above, you could have them listed, not necessarily her. And don't buy that crap "It's the least i deserve from being with you all of these years..." (HAHAHA). But i would seriously go to my HR and have it changed and keep a copy in a safe place. But also check with your attorney if any other changes and/or other forms would need to be updated, i would hate to see something happen if other pieces to the puzzle would needed to be addressed. Good luck to you.

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PostPosted: Fri Mar 06, 2009 6:16 pm   Post subject:   

If you have kids from her and she is taking care of the kids then what you can do is set up a trust keep your kids as beneficiary and appointee can be any mature person to whom you trust.



But never put your money to be claimed by those people who are having bad intentions about you.(even if they r your EX) Arrow



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PostPosted: Sun Mar 22, 2009 12:20 pm   Post subject:   

well, first of all, you can name anyone as your beneficiary. if you wish that your ex-spouse be your beneficiary, then there is no need to change anything. otherwise, there is nothing wrong with changing the name if it is your wish. it is your policy, so whose name should be on the policy should be due to what you want, and not dependent on the wants of your ex-spouse.

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PostPosted: Sun Mar 22, 2009 12:24 pm   Post subject: insurance  

Quote:
Well nothing like having your cake and eating it too huh?
That's just ignorant!! Why doesn't she get her OWN policy? Or....if she is remarried, why doesn't her CURRENT husband get a policy for them? Talk about 'Money Hungry' ( in my opinion). Rolling Eyes
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PostPosted: Tue Mar 24, 2009 5:18 am   Post subject:   

you can choose any one beneficiarry for your policy.but it should be on utmost good faith.otherwise you are the king you can do any thing

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PostPosted: Mon May 04, 2009 5:12 am   Post subject: life ins and the ex  

If you are paying child support the court can order you to keep her as beneficiary as insurance the child suppout will continue should you pass away.


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