Also, at what point will I be notified (assuming he doesn't tell me) if he contests it? I realize Washington State is a community property state, does ERISA help protect my benefits since the policies were through her employer (one fully paid by the employer, the other an add on she paid monthly for directly from her check). I plan to file the claim upon receipt of the death certificate. If there is anything else I should consider at this point, please advise. Thank you in advance for any information you can share.