Legal Question in Insurance Law in Virginia

Life Insurance Benefits Denied

The Federal Employees Group Life Insurance (FEGLI) Agency approved a claim that I filed for my mothers death benefits and sent me the money. I thought they had made a mistake, because the sum was more than I was expecting and my sister should have received 50% of the proceeds, so I called the FEGLI. They told me that they had in fact made a mistake and I should send the money back to them, because they had paid me on the basis of my mother's beneficiary designation, dated 2004, where both my sister and I were equal beneficiaries. But then they told me that they should have paid on the most recent designation form, dated October 17, 2008. I was also informed that I was NOT the beneficiary of that form and was not entitled to any of the money. I sincerely believe that my mother did NOT change her beneficiary designation of her own free will, since she was profoundly disabled at the time and I believe that I can prove that she was not of sound mind. She died only 2 months later. How can I dispute this beneficiary designation?

Since I received this money in good faith, after complying with all the Federal regulations required to claim it, am I required to send my half back? I am heartsick about this.

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