My question involves insurance law for the state of: Idaho
My father has been an alcoholic for many years. I understand that to challenge a beneficiary the person has to be deemed unable to understand their actions and this can be difficult for someone who is drunk. In this case though the circumstances are so extreme that I think we may have a case. Over the last year he was drunk 24 hours a day. Many people can attest to this including his family. His wife divorced him over this 2 months ago and after he locked himself in his home and basicially drank himself to death. At some point in the last two months he changed the beneficiary of his life insurance to policy to the other brother due to anger over the divorce. He was pulled over for DUI and the officers realized that he would not survive booking and took him to the hospital where he never work up out of his coma. I know for a fact that he was drunk when he made this change and he even asked other family members to come over and help him change it back. Before that happenend he fell in the coma and died.
Points that I think could help my case.
Was constantly drunk to the point of passing out or being incoherient which family members will attest to.
The condition he arrived to the hospital could not have been obtained without drinking a serious amount for an extended peroid.
Change was made in last two months
Told other family member that he wanted to change the beneficiaries back
He was taken to a rehab center 6 months ago completly drunk but the center would no admit him because he was intoxicated.