Our expert says:
Isn't it sad how often a death in the family causes major conflict, and brings out the very worsrt in one or more members of the family ?
Souds like she ook advantage of your dad's dementia, perhaps persuading him to leave it to her, even promising to share it with others, having persuaded him your mom was being unfaithful. One could challenge a will or such a decision in a policy, on the grounds that the man's mnental state was such that he did not fully understand what he was doing, but that could be a long, bitter and expensive process, which might still not be successful as it's hard to prove the mental state of someone at a point in the past.
Did he leave a will ? IF so, who did he name as Executor ? If anyone else is the executor ( there has to be an executor to settle someone's estate ) they can be put in the picture and take care not to allow her to take more than she is entitled to she is not entitled to keep a cent of the funeral policy money for herself - the brother and sister who lent money a the time must be paid back first, as part of the estate, and the rest divided according to the will.
IF he did not leave a will ( which is called dying intestate ) there are rules the master of the Supremem Court will use to decide how to divide whatever he left, usually its divided amongst the spouse ( though I'm not sure about a duivorced mother ) and tghe children - EQUALLY, with no special preference to the greedy one.
Maybe you should consult a local lawyer or the free law clinic at your nearest law school, to check and protect your rights.
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