My question involves insurance law for the state of: New Jersey
My step father passed away recently and he had no will or estateHe did have an insurance policy that was supposed to be split 3 ways between my brother, sister, and his current wife. Apparently, he never signed the paperwork and his wife ended up getting all of the insurance policy proceeds. She's being a bit funky suddenly and wants to "take care of things" before she gives my siblings their rightful due....how she sees fit no less (her words).
We spoke with his job, who had been constantly advising that the policy was to be split 33/33/34. The actual insurance company noticed the fact that he had never signed the paperwork. His job's representative had actually "witnessed" the change in his policy 13 years ago which was funny enough to add the new wife. The job is stating that there is nothing that they can do although they are the ones that never noticed the error.
Do my siblings have any legal recourse with the wife or with the federal employer to obtain what their father wanted them to have?
Thank you for your time.

