47 Minn. 260 | Minn. | 1891
The rights of A. J. Hall, and of any one claiming through him, depended, not merely on the certificate issued to him, but on his membership in the association issuing it, which rights were defined and controlled by its constitution and by-laws. The by-laws provide for a change in the designation of the beneficiary in a certificate, so that whatever right the beneficiary may have, he has subject to the power of the member and the association to change the beneficiary, as provided in the by-laws. According to the by-laws, a change could be made only by a majority vote of the board of directors, upon a return of the outstanding certificate, and a request by the member in writing, duly acknowledged. Doubtless, the board of directors might, on a request of a member to change the beneficiary, waive any matter of form, such as the acknowledgment, but there is nothing in the by-laws, nor in testimony as to the usage of the association, to indicate that any one but the board could make or consent to a change, or waive anything required to be done on the part of the member. April 15, 1890, A. J. Hall sent to the secretary his certificate, and a written request, not acknowledged, to change the certificate so as to make these interpleaders beneficiaries. Before the next meeting of the board, which, according to the by-laws, was to be held on the first Tuesday in May, A. J. Hall died. After that, of course, the beneficiary could not be changed. The board never acted on the request, nor was it ever laid before them. April 21, 1890, the secretary wrote to A. J. Hall that the change could not be made without the consent of the beneficiary. This was not required by the by-laws. The interpleaders claim that, by the secretary retaining the certificate, and notifying A. J. Hall that the change could not be made, except upon a condition not required, by the bylaws, the beneficiary became changed, as requested. Whatever effect on the status a refusal by the board on an untenable ground might have, certainly no action of the secretary, who had no authority to make or consent to a change, could have any effect. As the intention of the member to change the beneficiary was not executed, the plaintiff, the beneficiary named in the outstanding certificate, is entitled to the money.
Judgment affirmed.