Reassure America Life Insurance Company v. Dorsey et al
MEMORANDUM. Signed by Judge Catherine C. Blake on 4/29/13. (dass, Deputy Clerk)
IN THE UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF MARYLAND
REBECCA RATZ DORSEY and
: CIVIL NO. CCB-12-1564
William Ratz was found on March 23, 2012, in his residence, deceased as a result of
acute alcohol intoxication. On August 25, 2010, he had designated his daughters Rebecca Ratz
Dorsey and Carey Ratz as co-beneficiaries of a $500,000 life insurance policy issued to him by
Reassure America Life Insurance Company. On October 7, 2011, however, he executed and sent
to Reassure a change of beneficiary form designating his second wife, Dawn Ratz, to whom he
had been married for 30 years but from whom he was recently divorced, as the sole beneficiary.
His daughters, Rebecca Ratz Dorsey and Carey Ratz, challenge Dawn Ratz’s right to receive the
proceeds. After discovery, Dawn Ratz has filed a motion for summary judgment. It will be
granted, for the reasons stated below.
The daughters’ asserted reasons for challenging the change of beneficiary form include
undue influence, lack of mental capacity, and their belief, initially, that William Ratz’s signature
on the change of beneficiary form was a forgery. Following discovery, they do not press the
allegation of forgery. Further, they offer no admissible evidence and no expert testimony to
support their claims of undue influence or lack of mental capacity.
It does appear from the records that William Ratz suffered from alcoholism, and that he
likely relapsed following the divorce. The divorce decree directed sale of the marital home,
awarded a money judgment in favor of Dawn Ratz, and ordered the payment of alimony. (Pls.’
Resp., ECF. No. 33, Ex. 3.) A report by Dr. Taiwo Okusami of the Finan Center in Cumberland,
Maryland, however, following William Ratz’s discharge from that facility in July 2011 with a
diagnosis of major depressive disorder and alcohol dependence, does not suggest incompetence.
Indeed, Dr. Okusami described Ratz’s thought process as “linear, logical, and goal directed.”
(Id., Ex. 5.) Dr. Okusami characterized Ratz’s memory as “[i]ntact,” stating that “[h]e was able
to recall three out of three objects,” and “was clearly showing no impairment from a psychiatric
illness.” (Id.) Ratz’s insight was “good,” and his judgment was “fair.” (Id.) Further, “[h]is
speech was clear and coherent.” Dr. Okusami also stated that Ratz “articulates very well as
expected for his level of education as a trained physician assistant,” and that, “[c]ognitively, he
was functioning within his education level.” (Id.) There is simply nothing in the record to
suggest that William Ratz’s mental capacity had changed by October 14, 2011, when he
executed the change of beneficiary form. The “life experience and common sense” proffered by
counsel in the plaintiffs’ response, and the affidavit of Rebecca Dorsey explaining her “belief”
that her father was unduly influenced by Dawn Ratz when she faxed the change of beneficiary
form to her ex-husband while he was in a rehabilitation center, are insufficient to overcome the
presumption of sanity and capacity under Maryland law. See Lynn v. Magness, 191 Md. 674,
680-81, 62 A.2d 604 (1948). Accordingly, the court will not set aside William Ratz’s choice of
his ex-wife Dawn Ratz as the beneficiary of his life insurance policy with Reassure, and the
motion for summary judgment will be granted.
A separate Order follows.
April 29, 2013
Catherine C. Blake
United States District Judge
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