My stepmom received a structured settlement that was guaranteed until 2027. She passed away in 2008. Her will left everything to her two children. This didn’t happen because she was married to my father and it automatically goes to your spouse. My father died June 2020. His will said to split things between her kids and his. Which will do the structured settlement companies use? They lived in Tennessee.
You are, I think, mistaken in thinking that a spousal election against the Will means that everything, rather than the spousal elective share, goes to the spouse. Take all the documents to a probate attorney who practices in the county in which your mother died.
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