dds said:
Is it a matter of public record? If so, where do I begin? As stated, ge benefits will not even advise if it has gone into an "estate". I had been advised not to probate due to assets v liabilities.
My response:
No, the benefits and whomever the beneficiary might be are private; i.e., it is not a public information issue. The benefits are based upon a private contract, very much like the contract you have with a car dealership. If I were to call the car dealership where you bought your last car, and asked questions about the particulars of your contract with the dealership, they'd undoubtedly tell me to "get a subpoena" or "go fly a kite." I am simply not "entitled" to that information. You are simply not entitled to the GE insurance contract information, including the name of the beneficiary, or whether GE has paid the beneficiary, or the name of any beneficiary. Like I said, unless someone happens to tell you about the information, like a relative, you'll probably never, ever, know any of the information. It's private.
Insurance benefits do not go "into an Estate." The benefits are not part of any Estate. The benefits, when paid, skip the Estate and go directly into the pocket of the beneficiary. End of story.
I cannot comment on the advice you may have been given.
I certainly hope this answers all of your questions.
IAAL