Hi reddit, My father just passed away, and we're going through the nightmare of accounts and debts. I have some questions regarding one in particular. In 2007 he started a 403b with one employer; the primary beneficiary is listed as my mother, and I am the contingent. He never changed it even after divorcing my mother, remarrying, and moving to a new state. The idea was that it would gonto me, I think, but I suspect he didn't understand how this worked. Now his wife (they were seperated but not divorced; accounts were seperate) says I should have it, as does my mother, but when I called American Funds they wanted a copy of the divorce certificate and his death certificate. (We don't have one yet, and if it's dependent on verifying the cause of death, it'll take a while.) So, now my question is - who's going to get the money according to American Funds? If my mother and his wife decline the money, will it just get swallowed up rather than going to me?…