Can an ex-spouse draw life insurance benefits?

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PostPosted: Thu Feb 17, 2011 8:45 pm   Post subject:   

Orlando . . .



There are a number of states that now require, through their insurance codes, that following a divorce, automatically forces the ex-spouse off the policy. My reading of those codes would enforce this against any designated beneficiary, including an irrevocable beneficiary.



It would not be improper or unlawful for the policyowner, following a divorce, to rename the spouse as the beneficiary or irrevocable beneficiary.



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PostPosted: Wed May 11, 2011 4:22 pm   Post subject: Mystery Beneficiary  

My brother passed and had a substanial estate. His insurance policy at his job is a mystery. He had no wife nor kids and so we his family are in the process of ggoing thru probate court to settle his estate. His insurance policy through his job has given us the run around, will not release name of beneficiary and was so late in getting back with funeral home we had to have him cremated. They finally got back with the funeral home and they called to me to verify some info but when I asked who the beneficiary is they will not tell me who it is. Do I have the right as his sister to know that information.


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PostPosted: Thu May 12, 2011 4:39 am   Post subject:   

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Do I have the right as his sister to know that information.




If the insurance through your brother's employment was a group policy, his employer has the information about any beneficiary listed on his enrollment card. The insurer relies on the employer to obtain, maintain, and provide that information following the death of a covered employee, so it's quite possible they don't know who it is (if anyone).



Contact your brother's employer's HR department (most likely the responsible party at the employer) and talk to them about the situation. As a next-of-kin, they should not object to giving you the information.



If they do, then you need to contact your state's Dept of Insurance for assistance. This is not a complex issue, and no one should be dragging their feet as you indicate.


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PostPosted: Tue Jun 21, 2011 3:58 pm   Post subject:   

Changing a beni doesn't take long at all you just fill out the paperwork and its processed but consider it changed anyhow when the paperwork is turned in..

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