clubber1996
Junior Member
What is the name of your state (only U.S. law)? Iowa
My father died in 1995. My mother received one of his employer offered life insurance plans. She died in 1996. 13 years later another employer offered life insurance policy is discovered. Dad had an administrator. Mom had an executor and a will. Mom is also listed as beneficiary on dad's employer card (however, employer no longer has that on file). Executor/admistrator does. Insurance company wants employer to back it up. There are 8 children. Life insurance company made payouts to 6 and did not contact executor/administrator (one of the other children) or mom's one and only beneficiary of her will (one of the other children). We think the policy needs to be paid through her estate- 2 reasons (she survived our father and she is listed as beneficiary). Therefore, it should go through her will and to that beneficiary. Insurance company says too bad, already paid out, blah, blah. Policy is only for $3,000. What do u think? We also have the paperwork for the first employer offered life insurance policy that signifies my mom as beneficiary and it has a employer signature on it (validation). However, insurance company says that one is from Aetna and has no bearing on the one from MetLife (I think they do)--- both are employer offered and both are listed on employee enrollment card. Thank You.
My father died in 1995. My mother received one of his employer offered life insurance plans. She died in 1996. 13 years later another employer offered life insurance policy is discovered. Dad had an administrator. Mom had an executor and a will. Mom is also listed as beneficiary on dad's employer card (however, employer no longer has that on file). Executor/admistrator does. Insurance company wants employer to back it up. There are 8 children. Life insurance company made payouts to 6 and did not contact executor/administrator (one of the other children) or mom's one and only beneficiary of her will (one of the other children). We think the policy needs to be paid through her estate- 2 reasons (she survived our father and she is listed as beneficiary). Therefore, it should go through her will and to that beneficiary. Insurance company says too bad, already paid out, blah, blah. Policy is only for $3,000. What do u think? We also have the paperwork for the first employer offered life insurance policy that signifies my mom as beneficiary and it has a employer signature on it (validation). However, insurance company says that one is from Aetna and has no bearing on the one from MetLife (I think they do)--- both are employer offered and both are listed on employee enrollment card. Thank You.