Limited Liability Company (LLC) Lawyer
If your husband's retirement account is one of several different versions of a tax qualified retirement plan under the United States Internal Revenue Code, you may only be removed as a beneficiary if the form is signed by you as well as him. This rule does not apply to IRA accounts or other versions of what is known as non-qualified deferred compensation. You will probably want to consult a business attorney in your area to be sure what kind of account this is to really know the answer to your questions.
Answering your question on AVVO, does not create a lawyer-client relationship between us. Under the rules of the Supreme Court of Illinois, or the rules of other jurisdictions, this answer may be regarded as advertising. Because questions provided on AVVO simply cannot contain a complete description of all the relevant facts, information contained in this answer should not be considered as individual legal advice or legal opinion. You are urged to consult an attorney licensed to practice in your State regarding your own legal situation.
Estate Planning Attorney
As the other attorney answered: A spouse cannot be "taken off" as beneficiary of an ERISA retirement plan (401(k); 403(b); etc.) without the spouse providing written consent to do so (spousal waiver required). However, a spouse can be "taken off" as beneficiary of a non ERISA retirement plan (IRA) without the spouse providing written consent to do so (no spousal waiver required).
Legal Disclaimer: Please note that this answer does not constitute legal advice, and should not be relied on since each situation is fact specific, and it is impossible to evaluate a legal problem without a comprehensive consultation and review of all the facts and documents at issue. This answer does not create an attorney-client relationship. A lawyer experienced in the subject area and licensed to practice in the jurisdiction should be consulted for legal advice. Circular 230 Disclaimer: Any information in this answer may not be used to eliminate or reduce penalties by the IRS or any other governmental agency.
In addition to the other answers you would probably like toknow that your husband cannot totally omit you from his will or trust. You have spousal rights in Florida unless you have signed a pre or post marital agreement.
The answer given does not imply that an attorney-client relationship has been established and your best course of action is to have legal representation in this matter.