What is the name of your state?What is the name of your state? Hawaii.
My son was sole beneficiary of my ex-husband's insurance policy for many many years. My ex-husband recently changed the beneficiary while under the care of his sister; his sister now gets 90%; my son gets 10%. At the time of change, my husband was terminally ill and taking massive doses of pain medication and morphine. His sister took him into the insurance office to make the change. My ex-husband died a month later. His sister never told my son the change was made; he found out after his father died. The insurance company sent my son a form to contest the beneficiary, which he completed and returned. Can the insurance company determine that my ex-husband was not mentally or physically competent when he made the change (which they can substantiate through his medical records) and award the full amount to my son as it should have been? If not, what is next?