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Smart Summary

Factual and Procedural Background

This appeal arises from an order granting plaintiff's motion for summary judgment in an action to recover the proceeds of a group life insurance policy on the life of James Hudson. At the time of the insured's death the named beneficiary on the policy was "Marie Hudson, wife." The plaintiff, Marie Hudson (also known as Marie Nash), claims to be the beneficiary; she was not James Hudson's legal wife but had been his girlfriend and cohabitant since 1952. In November 1958 James Hudson signed a change-of-beneficiary form designating "Marie Hudson, wife" in place of a prior beneficiary described as "Sally Hudson, wife."

The defendant, Willa Mae Hudson, was James' legal wife, married to him January 24, 1925, and separated from him in 1940 without divorce. The plaintiff's complaint alleges the insured intended to name the plaintiff as beneficiary. The defendant's counterclaim alleges the beneficiary was Willa Mae Hudson, whom the deceased affectionately called Mae or Marie; the plaintiff denied that the defendant was ever known by any name other than Willa Mae Hudson.

Defendant John Hancock Mutual Life Insurance Company initially filed a complaint for interpleader but was dismissed by stipulation. Plaintiff moved for summary judgment under GCR 1963, 117, asserting that defendant's answer did not present a triable issue of fact and submitted an affidavit asserting that only the plaintiff is "Marie Hudson" and that the defendant was never known as Marie. The trial court granted summary judgment for the plaintiff; the defendant appealed.

Legal Issues Presented

  1. Whether the affidavits, pleadings and other materials before the court presented a genuine issue as to any material fact so as to preclude summary judgment under the summary judgment standard discussed in Durant v. Stahlin.
  2. Who was intended by the insured to be the beneficiary described as "Marie Hudson, wife" — the plaintiff (Marie Nash/Hudson) or the defendant (Willa Mae Hudson) — i.e., the issue of identification of the named beneficiary.
  3. Whether the plaintiff's affidavit asserting she was the intended beneficiary was conclusive so as to permit summary judgment despite the counterclaim and conflicting factual matter.

Arguments of the Parties

Plaintiff's Arguments

  • Plaintiff moved for summary judgment under GCR 1963, 117 on the ground that the defendant's answer did not set forth a triable issue of fact.
  • In support, plaintiff submitted an affidavit stating, inter alia, that the defendant was known as Willa Mae Hudson and never as Marie Hudson, and that only the plaintiff is Marie Hudson.

Defendant's Arguments

  • The defendant's counterclaim alleged that the beneficiary named in the policy was Willa Mae Hudson, whom the deceased affectionately called Mae or Marie.
  • By asserting that she was the intended beneficiary, the defendant raised a factual dispute as to the identity of "Marie Hudson, wife."

Table of Precedents Cited

Precedent Rule or Principle Cited For Application by the Court
Durant v. Stahlin (1965), 375 Mich. 628 States the question in a summary judgment proceeding: whether affidavits together with pleadings, depositions, admissions, and documentary evidence present a genuine issue as to any material fact. The court applied Durant to frame the appropriate standard for granting summary judgment and to determine whether the record presented a genuine issue of material fact regarding the intended beneficiary.
Toebelman v. Missouri-Kansas Pipeline Co. (CA3, 1942), 130 F.2d 1016, 1018 Quoted for the principle that in disposing of a motion for summary judgment the court must ascertain whether there is an issue of fact to be tried, resolving all doubts as to the existence of a genuine issue of fact against the moving party. The court relied on this principle to resolve doubts against the plaintiff-moving party, concluding there was a real possibility the defendant was the intended beneficiary.
Arber v. Stahlin (1969), 382 Mich. 300, 308 Holds that summary judgment is not available whenever a presented issue of material fact turns upon the credibility of an affiant or witness whose deposition has been taken. The court used Arber to conclude that the plaintiff's affidavit asserting she was the intended beneficiary was not conclusive and that credibility issues precluded summary judgment.

Court's Reasoning and Analysis

The court began by stating the governing standard for summary judgment as articulated in Durant v. Stahlin: the court must determine whether the affidavits together with pleadings and other material present a genuine issue as to any material fact. The pleadings in this case framed a direct contest over the identity of "Marie Hudson, wife" — both the plaintiff (Marie Nash/Hudson) and the defendant (Willa Mae Hudson) claimed to be the person intended to receive the policy proceeds. Neither party matched the descriptive phrase exactly, creating a factual dispute.

The court emphasized the limited role of summary judgment: it is not to decide issues of fact but to determine whether an issue of fact exists to be tried, resolving doubts against the moving party (citing Toebelman). Resolving doubts in favor of the defendant left a real possibility that the defendant was the intended beneficiary.

The court further observed that the plaintiff's self-serving affidavit asserting she was the intended beneficiary could not conclusively resolve the contested issue because, as Arber holds, summary judgment is inappropriate where the material issue turns on the credibility of an affiant or witness. Given these legal principles and the competing assertions in the pleadings and affidavit, the court concluded that a genuine issue of material fact remained and that summary judgment was therefore improper.

Holding and Implications

Holding: The trial court's grant of summary judgment to the plaintiff is reversed and the case is remanded for trial on the merits.

Implications: The direct effect is that the summary judgment in favor of the plaintiff is vacated and the matter must proceed to a full trial to resolve the factual question of who the insured intended as the beneficiary described as "Marie Hudson, wife." The opinion does not announce any broader change in precedent; it applies existing summary judgment standards (Durant, Toebelman, Arber) to reverse and remand for factual determination.

HUDSON v. HUDSON

PER CURIAM.

This is an appeal from an order granting plaintiff's motion for summary judgment in an action to recover the proceeds of a life insurance policy.

Marie Hudson, also known as Marie Nash, claims to be the beneficiary of a group insurance policy on the life of James Hudson in the amount of $7,500. At the date of the insured's death, the named beneficiary of the policy was "Marie Hudson, wife." Plaintiff was not the wife of James Hudson, but was in fact a girlfriend with whom he had been living since 1952. In November of 1958, James Hudson executed a change of beneficiary form designating "Marie Hudson, wife" as beneficiary in place of a former girlfriend designated as "Sally Hudson, wife."

The defendant, Willa Mae Hudson, was James' legal wife. They were married on January 24, 1925, but separated in 1940 without obtaining a divorce.

Plaintiff's complaint alleges that the insured intended to name plaintiff as beneficiary of the policy. Defendant's counterclaim states that the beneficiary of the policy was Willa Mae Hudson, affectionately called Mae or Marie by the deceased. Plaintiff denied this allegation stating that defendant was never known by any name other than Willa Mae Hudson.

Plaintiff filed her motion for summary judgment pursuant to GCR 1963, 117, stating the basis to be that defendant's answer does not set forth a "triable issue of fact". In support of this motion, plaintiff submitted her own affidavit stating, inter alia, that the defendant was known as Willa Mae Hudson and has never been known as Marie Hudson and that only the plaintiff is Marie Hudson.

The question to be determined in a summary judgment proceeding is whether the affidavits together with the pleadings, depositions, admissions, and documentary evidence then filed in the action present a genuine issue as to any material fact. Durant v. Stahlin (1965), 375 Mich. 628.

In the case at bar, the complaint and answer frame the issue as follows. Both the plaintiff, whose real name is Marie Nash, and the defendant, whose real name is Willa Mae Hudson, claim to be the Marie Hudson entitled to receive the proceeds of the insurance policy. Neither party fits the description "Marie Hudson, wife" exactly. The pleadings therefore raise an issue of a material fact: who was intended by the insured to receive the insurance proceeds?

The function of a court in disposing of a motion for summary judgment is not to decide issues of fact, but to ascertain whether or not there is an issue of fact to be tried, resolving all doubts as to the existence of a genuine issue of fact against a moving party. Durant v. Stahlin, supra, quoting from Toebelman v. Missouri-Kansas Pipeline Co. (CA3, 1942), 130 F.2d 1016, 1018. If we resolve all doubts in favor of the defendant, we are left with the real possibility that she is the one intended to be the beneficiary.

Furthermore, the plaintiff's statement in her affidavit that she was the intended beneficiary is not conclusive of that issue "as we have repeatedly emphasized, summary judgment is not available whenever a presented issue of material fact turns upon the credibility of an affiant or witness whose deposition has been taken". Arber v. Stahlin (1969), 382 Mich. 300, 308, citing Durant v. Stahlin, supra.

In view of the foregoing, the grant of summary judgment was improper and we therefore reverse and remand for a trial on the merits.

Reversed and remanded.

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HUDSON v. HUDSON
(Oct 2, 1970)