The Insurer will pay only to the Nominated person of the policy, incase of any eventuality. In absense of nominee, the Legal heir will be paid the benefit amount.The identity of the legal heir has to be sufficiently proved,irrespective of listed in the will.
In most cases it will default to the estate.
If your father is living you are not entitled to a copy of his will. If he is deceased and his will has been filed for probate you can obtain a copy from the court. Once a will has been filed it becomes a public record.
All your father's children are entitled to an equal share in his estate. You can check the laws of intestate distribution at the related question link provided below.
If all assets were held by the couple as joint property with the right of survivorship then full ownership of the property passed to the father's companion when he died. The children would be entitled only to property owned by their father in his own name alone. Any such property would pass to his children under the state laws of intestacy if he died without a will.
No, you file for his social security. Also, if you have limited income/assets, you might qualify for TANF or Medicaid, or the Children's Health Insurance Program.
No. Generally, heirs-at-law must be related by blood or by legal adoption. Your father's second wife is not related to his children by his first wife. If the children were legally adopted by the second wife then the answer is maybe, depending on the laws of intestacy and whether she had a will leaving her property to someone else. You can check the laws of intestacy for your state at the related question link below.
i trying to find out if my father who is deceased have a policy
Yes, the estate is responsible to settle all the debts. That includes all medical bills. Until these have been paid, the children are not entitled to receive anything.
This cannot be answered without knowing the state involved or whether there is a will or not. Generally, in most states and in New Jersey, where there is no will, the children of a deceased child will inherit the share of the estate that the deceased child would have received and split it equally. This is called taking by representation. When there is a will, you first have to see if it says anything about that situation and if it does, the you follow the will. A will might say that if any child of mine predeceases me then I give that child's chare to my surviving children, or to charity or to whomever he wants. If the will makes no mention of that situation then the grandchildren take by representation just as if there were no will.
A proven biological child is usually entitled to a portion of her father's estate.
If the property was in your mother's name alone and she died intestate the property would pass according to the laws of intestacy in your state. The children may be entitled to a portion. You can check your state at the link below.
What does the will say? Who is executor of the estate? Were any plans made by the deceased?