The requirements for a will in Minnesota include: It must be in writing; you must be at least 18 years old; you must sign the will, at least 2 people need to witness your signature and sign your will, you must make it clear that you intend the document to be your will. A notary should notarize all signatures. There is not a state specific form.
There is no requirement to file your will once it is complete. It usually just makes things more complicated. Based upon the information provided, you most likely need a simple will. For a few hundred dollars, you can hire a lawyer and make sure it is done right.
If Travelers denies the claim to pay for the lease extension, ask your insurance company if you have coverage for this type of loss. If you are injured or have other unreimbursed expenses, be careful with small claims court. There is the possibility of waiving potential claims.
I am really sorry to hear about your ordeal. I am not a medical malpractice lawyer but work with one in Minnesota. In Minnesota, a lawyer looking at your case is most likely going to want to see permanent damage resulting from this mistake.
Most big stores have cameras on every register. You may get the attention of management by demanding the video footage of the incident. The employee laughing while your child is crying could go a long way in making sure this never happens again.
You are correct that a designated beneficiary controls over what is stated in the will. There is not a simple answer to your question without providing more details. What I like to do with my clients is set up a meeting or telephone conference with financial planner and accountant to discuss the estate plan and beneficiary designation. Once the plan is implemented, we follow up with all involved to make sure everything is done correctly.