Metropolitan Life Insurance Company v. Hudson et al
ORDER AND OPINION granting 27 Motion for Summary Judgment Signed by Honorable Margaret B Seymour on 6/20/2017.(mdea )
IN THE UNITED STATES DISTRICT COURT
FOR THE DISTRICT OF SOUTH CAROLINA
ROCK HILL DIVISION
Metropolitan Life Insurance Company,
) C/A No. 0:17-22-MBS
ORDER AND OPINION
Vernon Hudson, Jr.; Frances Hudson; and )
Pope Funeral Home,
Plaintiff Metropolitan Life Insurance Company filed the within interpleader complaint on
January 4, 2017, seeking a determination as to the beneficiary of a life insurance policy in the
amount of $24,000.00 issued to Vernon Hudson, Sr. (Decedent) through his employer, Rio Tinto
America, Inc. (The “Policy”). According to the complaint, the most recent beneficiary designation
on file designates Defendant Vernon Hudson, Jr. as sole primary beneficiary. The next most recent
beneficiary designation on file designates Defendant Frances Hudson as the sole primary beneficiary.
Plaintiff asserts it received information that Decedent suffered from dementia and that Defendant
Vernon Hudson, Jr. “falsefully sign[ed] his Father’s name illegally” to the beneficiary change form.
ECF No. 1-10. As a result, Plaintiff asserts it is unable to disburse the proceeds of the Policy without
exposing itself to double liability.
On February 1, 2017, Defendant Frances Hudson filed a pro se answer. She currently is
represented by counsel. Defendant Pope Funeral Home has not made an appearance through
counsel, although on or about February 1, 2017, it did attempt to respond to the complaint through
its owner/director seeking reimbursement for services rendered pursuant to an Assignment of
Proceeds of Insurance executed by Defendant Vernon Hudson, Jr. on April 27, 2016. ECF Nos. 1-6,
9-1. On March 28, 2017, the Clerk of Court entered default against Defendant Vernon Hudson, Jr.
ECF No. 21. On March 30, 2017, the court granted Plaintiff leave to pay the proceeds of the Policy
into court and dismissed Plaintiff from the case. ECF No. 30.
This matter now is before the court on Defendant Frances Hudson’s motion for summary
judgment, which motion was filed on April 11, 2017. Defendant Frances Hudson informs the court
that Defendant Vernon Hudson, Jr. forged the signature of Decedent on a Standard Group Term Life
Beneficiary Designation and Change Form dated June 1, 2014. In support of her motion, Defendant
Frances Hudson attaches an affidavit of Marvin H. Dawson, Jr., Forensic Document Examiner, as
well as his Report of Examination. ECF No. 27-1. In addition, Defendant Frances Hudson informs
the court that she and Defendant Pope Funeral Home have entered into a settlement agreement
regarding amounts to be disbursed to both of them from the Policy. Although he is in default,
Defendant Vernon Hudson, Jr. was served with a copy of the motion on or about May 2, 2017. On
May 19, 2017, the court issued an order pursuant to Roseboro v. Garrison, 528 F.2d 309 (4th Cir.
1975), advising Defendant Vernon Hudson, Jr. of the summary judgment procedures and the possible
consequences if he failed to respond adequately. He has elected not to oppose the motion.
Defendant Frances Hudson moves for summary judgment pursuant to Fed. R. Civ. P. 56. The
court shall grant summary judgment if the movant shows that there is no genuine dispute as to any
material fact and the movant is entitled to judgment as a matter of law. Fed. R. Civ. P. 56(a). The
party seeking summary judgment bears the burden of initially coming forward and demonstrating
an absence of a genuine issue of material fact. Celotex Corp. v. Catrett, 477 U.S. 317, 323 (1986).
Once the moving party has met its burden, the nonmoving party then must affirmatively demonstrate
that there exists a genuine issue of material fact requiring trial. Matsushita Elec. Industrial Co. Ltd.
v. Zenith Radio Corp., 475 U.S. 574, 587 (1986). There is no issue for trial unless there is sufficient
evidence favoring the non-moving party for a jury to return a verdict for that party. Anderson v.
Liberty Lobby, 477 U.S. 242, 250 (1986).
In this case, the only evidence before the court is that the signature of Decedent on the most
recent beneficiary designation was forged by Defendant Vernon Hudson, Jr. and therefore is
ineffective. The next most recent beneficiary designation of Defendant Frances Hudson controls.
The court finds that there is no issue for trial and that Defendant Frances Hudson is entitled to
judgment as a matter of law.
Defendant Frances Hudson is directed to provide the court with a proposed order within ten
(10) days after entry of this order stating with specificity the manner by which funds paid into the
court registry should be disbursed.
IT IS SO ORDERED.
/s/ Margaret B. Seymour
Senior United States District Judge
Columbia, South Carolina
June 20, 2017
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