DEAR ABBY: I have some concerns about my marriage. My husband is a retired U.S. veteran. He was married before we got together, and his former spouse receives his survivor benefits. This was something that was decided during their divorce. I am not entitled to anything.
I have been a loving wife and have taken care of him for the 14 years we have been married. He has one daughter who is 40-plus years old. I just found out that I am not his beneficiary on anything -- she is! This has me very worried. Please let me know what I need to do about this situation. -- LOVING WIFE IN THE SOUTH
DEAR LOVING WIFE: What you need to do is discuss this with your husband to see if he will modify his will, which may have been drafted before he married you. Then the two of you should talk to an attorney, preferably one who specializes in wills and trusts. If your husband is not willing to make an adjustment, then consult an attorney on your own because, as it stands, your husband's estate plan is not fair to you.