It can be a shock to learn that a loved one changed their beneficiary right before they died, especially if the change benefits someone unexpected. In Georgia, it is possible to contest a last-minute switch, but you need solid legal grounds and evidence to back your claim. This type of dispute often comes up with life insurance policies or retirement accounts, and knowing how to respond can make a difference.

Signs the Change Might Be Legally Disputed

Courts in Georgia take these cases seriously when the facts suggest something was wrong. Some of the strongest reasons to challenge a change include:

  • Undue influence: Someone pressured the policyholder to benefit themselves
  • Lack of mental capacity: Confusion from illness or medication
  • Fraud or forgery: Fake signatures or altered forms
  • Clerical mistakes: If paperwork was handled improperly

Each of these problems affects whether the person truly meant to make the change.

What Georgia Law Says About Beneficiaries

Georgia law supports the right of a person to choose their beneficiaries, but that right ends when someone else interferes. Life insurance disputes often go through probate court, where judges weigh the facts. If a retirement plan is involved, federal law (ERISA) might apply and set stricter rules. Still, if there is proof of fraud or serious misconduct, courts can step in.

What You Can Do If Something Feels Off

Start by collecting records. Look for medical files, old beneficiary forms, emails, or anything else that shows the person’s state of mind. It also helps to find witnesses who noticed changes in behavior or control by someone else. With this evidence, you can petition the probate court to challenge the change.

The court will look closely at what happened and decide whether to reverse the designation. These cases depend heavily on documentation and timing, so acting quickly matters.

We Help Georgia Families Challenge Unfair Beneficiary Changes

At The Williams Litigation Group, we know how to spot the red flags in last-minute beneficiary changes. If you believe someone took advantage of your loved one or forced a change, we are here to help. Reach out today for a consultation. We will review your case and explain your options.