Who gets life insurance payout

Dear Len & Rosie,

I have a $100,000 life insurance policy. I also have a twenty-four year old son from a previous marriage. He's in drug rehab. Originally my son was the beneficiary of the policy, but since I found out about his drug use I thought it best to leave it to my wife. She has agreed to dole out money to my son as he needs it.

If my wife and I pass away tomorrow who will get my life insurance? Is there some document I can draw up that would allow my son to benefit from the insurance without being able to spend it all on drugs?

Barry

 

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Written by Len Tillem On Tagged , , ,

Medi-Cal Estate Recovery Claim

Dear Len & Rosie,

My wife and I and my recently deceased mother held title to a house in joint tenancy that all three of us bought together about seven years ago. My mother was on Medi-Cal for five years. Does Medi-Cal have a legal claim against this property? I was under the impression that joint tenancy property was immune from their claim but Medi-Cal's claim form seems to indicate otherwise.

Richard
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