My husband died 2004.His father died six months ago he was retired. His old union sent letter to son who is deceased a letter stating they have insurance money for him. Sine he is deceased who can claim the insurance money?
You would need to open up an estate in probate for your husband, be appointed executor, and then get a court order that would allow his beneficiaries to collect the proceeds of that estate. You should retain a probate attorney in your state to handle this case.
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