The Putnam account WAS paid out to beneficiary--and it was SUPPOSED to be used to pay for the funeral expenses. Problem being beneficiary kept all the money from the Putnam account and has now filed claim against estate for funeral expenses that we all feel was paid for by those monies. I don't know what you mean when you say you understand why she filed a creditor's claim. She got paid for the funeral expenses from this account. And more money on top of it. So how can she file to get that money back AGAIN???