Hey, I’m not the beneficiary of my Dad’s IRA, can he do that?

Dear Liza: My father recently died. My mother died years ago. I just assumed that I’d be the beneficiary of my father’s IRA, and I paid all of the funeral costs and other costs associated with my father’s death. Altogether, that came to about $8,000. When I contacted the IRA plan administrator, they told me that I wasn’t the beneficiary. They wouldn’t even tell me who the beneficiary was! Turns out it is my uncle. Can I open a case in probate court to challenge this? That should be my money.  I hate to be the bearer of bad news, but you really can’t go to court to challenge this unless you think there is something fraudulent about the beneficiary designation that named your uncle (for example, the signature was forged or your father was forced to do it). And even then, it wouldn’t be a probate matter, as assets passing by beneficiary designation don’t go through probate.  Your father had the right to name anyone he pleased as the beneficiary of his IRA.  Maybe he named his brother long ago, and just forgot to change it to you. That happens sometimes. But whatever reason he had, the money goes to the named beneficiary, period. You might appeal to your uncle’s good nature and sense of fairness, but you can’t obligate him to share.