The form was filled out but he neglected to sign it. The strange part is that his job's benefits departement signed and witnessed the paperwork as valid. He became ill 2 years ago, and sent the request to verify his policy and was told that it was valid at 33/33/34 for his children and wife even after he had passed away. It was the insurance company that recognized that the paperwork was not signed and therefore invalid. They immediately distributed the full 100% to a money market account in the wife's name.
Thank you for your input. I will tell them to contact a probate lawyer.

