If you were not adopted, you have no right as a "child" of your stepfather. If you are named in a Will as a beneficiary, you would have those rights specifically given to you. If you are not named in the Will -- the house and other property pass to your stepfather's heirs. Unfortunately, you are not a heir.
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In addition to fhte fine answer given by Mr. Daymude, the reality is that most reverse mortgages are extremely bad deals and at the end of the day there is nothing left for beneficiaries. The bank ends up with the property in most cases as the mortgage exceeds the value of the property.
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Mr. Daymude and Mr. Fromm are correct. If your former step-father has already passed away, you are not an heir to his estate, unless you are indicated as a beneficiary in a will or trust. That being said, if you are an indicated beneficiary you are only entitled to the extent of your bequest. Further, such bequests are subject to adjustment due to other issues with the estate such as creditor's claims. Good luck.
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