What to do if my son-in-law committed suicide and on that same day he changed his beneficiary on his insurance policy?

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What to do if my son-in-law committed suicide and on that same day he changed his beneficiary on his insurance policy?

He was Assistant Chief with the fire dept. an needed to have a higher ranking person verify this change. The fire dept. did not notify his spouse, my daughter, of this change in fact lied to her to get pertinent information in order for them to file the insurance claim. What legal action can she claim?

Asked on September 12, 2013 under Insurance Law, New York

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

I am so, so sorry for your loss and for the situation.  Obviously your son in law was distraught and not in his right mind and your daughter needs to act quickly here.  If the funds have yet to be distributed, she needs to file a claim with the insurance company and let them know that she is disputing the change in beneficiary designation and that she wants the insurance company to "interplead" the funds in to court. She should really do this no matter what the situation so that the insurance company is on notice.  Send it by certified mail RRR. If they have distributed she has a different path. She needs to get appointed as the Personal Representative of his estate (executrix or administratrix) and bring an action against the fire department and the insurance company.  Good luck to her.  


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