Rights of an Ex-Wife After the Death of a Former Husband

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Unintended Consequences

Some states automatically void beneficiary designations when spouses divorce, regardless of whether the spouses waived their rights to these benefits during the divorce. For example, in Texas, the provision designating a spouse as the beneficiary of the other's life insurance policy is automatically void upon the couple's divorce. However, waivers do not bind plan administrators who are required to distribute benefits according to beneficiary designations. In light of the Supreme Court decision in Hillman v. Maretta, state laws that automatically void beneficiary designations upon divorce may not be binding on administrators, particularly if the account or policy is governed by federal rules. Former spouses must revoke these designations to ensure that benefits will not be paid to an ex-spouse upon death. Additionally, many states, including California and Texas, have laws that automatically revoke gifts made in a will to a former spouse upon divorce, but not all do, so it may also be necessary for former spouses to update their wills after divorce.


About the Author

Based on the West Coast, Mary Jane Freeman has been writing professionally since 1994, specializing in the topics of business and law. Freeman's work has appeared in a variety of publications, including LegalZoom, Essence, Reuters and Chicago Sun-Times. Freeman holds a Master of Science in public policy and management and Juris Doctor. Freeman is self-employed and works as a policy analyst and legal consultant.

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