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estate, made just one change, which was a change to a contingent beneficiary designation on two term life insurance policies. “Plaintiffs cannot show that they incurred any harm or loss that was cause by any action of Executor, The motion had attached copies of insurance documents showing those beneficiary changes.

explains that designating beneficiaries is a very important part of the proper handling of many documents—like life insurance, retirement accounts, bank accounts and investment accounts. As an illustration, some folks who have owned life insurance policies for a very long time haven’t looked When they review the policies, items of concern often pop up—like an ex-spouse or a dead relative still That’s because there’s a difference in tax treatment of living persons vs. trusts.

authorization allows you access to your child’s medical records, which are protected by the Health Insurance on life support wants and stipulating organ donation and other post-mortem issues. Some of the more detailed proxies have a questionnaire that runs through end-of-life or advanced “health Nonetheless, they provoke some serious thinking about quality of life in the event of a health emergency It’s important to know what the documents can and can’t do: they don’t ensure quality care, and you’ll

Since Hispanics are more likely to live longer, they’re also more apt to work longer into their old age They’re also less likely to buy life insurance and more likely to borrow against their 401(k)s. Data shows that they’re also more likely to rely on family for financial support. They also need to think about estate planning, buying insurance, and keeping a close eye on their credit retirement crisis facing Hispanics” #AssetProtection #IRA #401k #HoustonEstatePlanning #Hispanics #Insurance

been involved with are situations where broken promises between family members make years of love seem like Will Care For Them… If You Will Care For Me Many families in the Houston area have several generations living Broken Promises What can you do when you have given years of your life to your family, and they can’t tap into government benefits without giving up everything you have scrimped and saved for your entire life Moving Forward If you are in a situation where your loved ones are not living up to the promises they

The other option is purchasing long-term care insurance. Life insurance is another way you can help cover the cost. Some insurance companies have a rider to their life insurance contracts for long-term care that allows There still will be a benefit inside the life insurance contract that could be paid to a beneficiary. But “self-insuring” isn’t the best way to go since it’s risky, and it can end up costing more in the

Despite working and saving for your entire life, many people discover they are not financially prepared Health plans from the health insurance marketplace are an option, as is insurance from your spouse’s employer, employer retiree insurance, and private insurance coverage. Long-term care insurance is a good option. The earlier in life you buy long-term care insurance, the lower premiums will be.

Some property is termed by Medicaid officials as “exempt” property—to include one vehicle, limited life insurance, a home, a funeral plan and personal property. to be probated: joint tenancy property property with a transfer-on-death or pay-on-death provision life insurance with named beneficiaries life estates But Estate Recovery in Kansas allows an agency to bring insurance payable to a third party, and life estates.

If your plan was done five years ago or longer, there might be a few changes in your life besides new Real life changes can happen—like getting married, getting divorced or maybe having a child … or two Other individuals like your parents are now dependent on you. Insurance coverage: Changes in your insurance coverage may impact your estate planning needs or may Use your common sense and think about what’s going on in your life and in the lives of your family and

That $8,500 price tag doesn’t include common cemetery expenses like a burial site, marker, paid obituary Funeral homes are required to offer inexpensive alternatives to cremation caskets, like simple containers

But you also need to protect your assets while merging life goals. Next, let’s look at your day-to-day life as a married couple. emotional decisions about any future healthcare problems, especially if they are getting married later in life This includes whether you have long-term care insurance or plan to self-fund care issues in the prenuptial In addition, you should sign a HIPAA (Health Insurance Portability and Accountability Act) release in

Virginians have been enrolled in Medicaid since January 2014—the majority of whom weren’t previously insured service, janitorial service, healthcare and other small businesses that haven’t been able to provide insurance The Pineville WV Independent Herald (July 26, 2016) “WVAHC hoping to preserve Medicaid” #ElderCare #Insurance