When a person remarries is it typical for the ex spouse to remain benificiary on everything?

Question

Married for two years-husband's ex and their 13 year old daughter are his benificiaries on everything, and they are covered under his health coverage etc while I'm none of the above. He filed joint taxes with his ex-he makes all of these decisions on his own. He lists ex as current wife on some things where lower rates apply, or she will benefit-is this typical?

Answer 1

No, none of this is typical; to have an ex spouse remain as benificiary is silly, you are married to him now and if he should die you are out in the cold. What happens if you get sick and need medical coverage? It is typical to leave a child as partial benificiary and to continue with health coverage for said child but not the ex. You should be listed as other benificiary and have health coverage. He should be filing joint taxes with you not his ex. You should really talk to him about this and discuss his reasons for doing things this way. Why does he want to make sure she benifits and not you two as a couple. I do understand he wants to take care of his daughter, but he should also want whats best for his wife.

Answer 2

uh sounds weird to me.   I would not stand for that one bit

Answer 3

Life insurance policies usually have a clause in the contract that terminates a spouse as a beneficiary when the divorce is finalized unless there is specific wording in the decree that proves otherwise.  If the child is your husbands, it is normal for the child to  be a beneficiary and a dependant under the health insurance policy.  As far as the health insurance for the ex, this is fraud.  Insurance companies do not extend health insurance coverage to people outside of the family unless they live in the same house.  If this were the case entire cities could form a union and get one huge policy.  This is hypothetical, but I am just making a point.  In addition, most (insurance) companies do not allow an ex spouse to remain a beneficiary on life insurance due to a vast increase in "moral hazard."

Answer 4

no, to keep a child as beneficiary with the other parent in control until old enough to make decisions is normal.  However, if the judge in the divorce put it in the papers, then yeah.  But none of this should stop you from being on them as well.

Answer 5

The child should remain covered because he will always have an obligation to her. But, as for the ex-spose, I think that's VERY abnormal, and I think you need to seek some proffessional advise about approaching him about it. No normal person would want to take care of their ex when they're remarried. You need to get some help with this because he's obviously conned you into thinking it's okay for 2 years now. THIS IS WRONG ON EVERY LEVEL!!

Answer 6

No it's not typical. Sounds like a marital problem. Good luck,since he is continuing to be deceitful about who is spouse I would be concerned about my place in his life.