trustor died ,left everything to his trust. But he didn't update any beneficary record.
1. successor trustee provided trust document to his employer stating to collect life insurance, stocks to trust
2. Employer provided 2 life insurance claim forms. trustee filled in and gave back to employer.
3. One form has benefiary field, so trust name was filled in. The other form doesn't have benefiary field.
4. 1st insurance company later asked for trust document and paid to trust after.
5. No response from 2nd insurance company. later trustee found it was paid to another person. Insurance said they just paid to person on file. If the person paid agrees and declaim it, they can pay to trust.
6. insurance bureau agrees trustee should go after employer since it failed to update the record. But no response from employer. They simply said their file was closed.
Who should get the payment? is it weird one proceeds goes to trust, the other doesn't under same trust document?
Should employer update the record according to trust provided before claim was filed? What action to take and have employer fix the issue?
It has been dragging for a year. Thanks for the help!