LOST BENEFICIARY FORM

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PostPosted: Fri Jul 24, 2009 7:01 pm   Post subject: LOST BENEFICIARY FORM  

If an insurance company lost or can't find the beneficiary form of a lif ins. policy, and I kinow that my son is beneficiary on this policy, what can I do? And by the way, how in the world would a company lose such an important form?

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PostPosted: Sat Jul 25, 2009 4:55 am   Post subject:   

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And by the way, how in the world would a company lose such an important form?




I know it is very stupid of them but this happens more often then we can imagine. Anyway, do you have any document that can support your claim, the policy paper?
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PostPosted: Sat Jul 25, 2009 11:37 pm   Post subject:   

The bad news is NO I don't have the policy or anything like it. The policy actually belonged to my ex husband. The only thing I have are witnesses that saw ex put his son on the paper and sign it. This was a group policy through work. I wonder if his empolyer could possibly have a copy?? If not though, do I have any options at all? Thank You


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PostPosted: Sun Jul 26, 2009 1:14 pm   Post subject:   

Quote:
I wonder if his empolyer could possibly have a copy?? If not though, do I have any options at all?
When your ex took out the policy he had to list a beneficary...the carrier has that on file. Check with the benefits coordinator at his place of employment...What about going thru all of his (your ex's) paper work, at his home? Are we to assume that your son's father has died? Who made all the arrangements? Did they locate a policy while going thru his things? Who is cleaning up or cleaning out all of his thing?


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PostPosted: Sun Jul 26, 2009 9:25 pm   Post subject:   

Yes, my 14 year old's dad passed awy(my ex husband) about 3 months ago. This is where it gets really sticky. My ex remarried about a year ago. But, she is aware that my son was beneficiary. I have been told by a few people who are not experts in any way, that if there is a lost beneficiary form, that all benefits from the life policy would go to the surviving spouse. We did not find any type of paperwork. Ex unfortunatly was not a bookeeper of any kind. But it just seems that a copy of this HAS to be SOMEWHERE. Would you agree? Thanx


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PostPosted: Mon Jul 27, 2009 5:56 am   Post subject:   

Quote:
But it just seems that a copy of this HAS to be SOMEWHERE. Would you agree? Thanx




Yeah, I'd, what about contacting the company's HR department? They might have retained copies of the applications made by their employees. Further, can you possibly get in touch with the agent who had sold these policies?



Quote:
that if there is a lost beneficiary form, that all benefits from the life policy would go to the surviving spouse.




In case of no named beneficiary, in community property states the benefits would go to the spouse of the deceased. What is your residing state?
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PostPosted: Mon Jul 27, 2009 3:52 pm   Post subject:   

Quote:
If an insurance company lost or can't find the beneficiary form of a lif ins. policy, and I kinow that my son is beneficiary on this policy, what can I do? And by the way, how in the world would a company lose such an important form?




Sorry, but I know that the beneficiary is me. My point with that jerky comment is simply that your knowledge is meaningless to the insurance company. You also don't know if it is true. The beneficiary could have been changed after that or that form may have never been submitted or rejected for one reason or another.



The application is part of the life insurance policy. The beneficiary is part of the application. In order to have lost the beneficiary designation, the insurance company must have lost everything involving the policy. I would think that they would have both the hard copy and a scanned copy.



How do you know that the policy is lost? The insurance company shouldn’t be sharing any information with you. Are you sure that they just aren’t refusing to give you information?
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PostPosted: Mon Jul 27, 2009 3:58 pm   Post subject:   

Quote:
In case of no named beneficiary, in community property states the benefits would go to the spouse of the deceased. What is your residing state?




Can you back this up? Typically, if there is no beneficiary or surviving beneficiary, the policy will get paid according to the default beneficiaries stated in the contract. There usually isn't a default beneficiary in the contract. With this being the case, the policy would get paid to the estate of the insured.



I am not trying to say that you are wrong. I want to know if you are just guessing or if you are positive that you are correct. If you are correct, I'd like documentation. I don't want this to be a jerk or because I doubt you, but because it's important that my "knowledge" is correct. So, if I'm wrong, I need to know for sure. Thanks.
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