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Hub You - 14 Tips on How Parents Who Have a Child with a Disability Can Organize Their Estate
Could online America actually be helping us?When it comes to ebusiness most of us take one side or the other: Business owners are either viewed as helpful visionaries or evil devils. The evil view feels that the heads of major corporations exist to fleece our pockets and take our money. They’d roll us in the alley given the chance. If you’re looking for a bad guy, few compare to the faceless evil of
11. The names of government agencies or case workers that the parents may have dealt with and the parents' thoughts about them.
12. A list of government benefits that the person with a disability may receive, as well as copies of any filled-out application forms. (These application forms will help the parents the next time they apply for benefits and will be especially helpful to future caregivers who may not understand the complexity of these applications.)
13. Other miscellaneou
Internet Business OpportunitiesThe Internet is definitely the place to look for business opportunities. It’s positively bristling with web sites promising earnings of anything from ?24,000 in 24 hours to $Millions within a year!Leaving aside the scams and cons and the plain over-optimistic, there are many genuine Internet-based opportunities. No matter what the blurb may say, remember that all businesses requ
Parents should also use a binder that contains all the information that future caregivers will need to carry on after the parents are gone.
The binder should be kept in a place that is readily accessible, so parents can update it periodically, and so the people who will act as the child's advocate after the parents are gone will be able to find it. Many parents purchase small fireproof safes for this purpose.
The binder should generally contain separate folders in which parents place the following:
1. An overview of the estate plan in plain English -- that is, without any legalese, that the attorney should write.
2. Important legal papers for any children with disabilities (for example, birth certificates, Social Security cards, and health-insurance cards).
3. A description of the goals and purposes of the special needs trust, which the attorney should write.
4. A copy of the Letter of Intent, which parents should update at least once per year. The Letter of Intent is a nonbinding document that passes vital information about a person with a disability to future caregivers.
5. Unsigned copies of any wills.
6. A letter spelling out any wishes regarding final arrangements (burial, cremation, or religious services or other ceremonies that may be desired).
7. Living wills and/or Power of Attorney for health care that may have been prepared.
8. Extra signed copies of any trusts- special needs trusts, living trusts, or insurance trusts- that may have been prepared. Remember, signed copies will be needed to complete property transfers, and extra signed copies will prove to be useful.
9. A list of major assets and information about where they are kept (for example, a list of insurance policies, stocks, mutual funds, bank accounts, with policy and account numbers and storage locations, and the names of any brokers, insurance agents, and investment advisors).
10. Guardianship papers, if any, and a list of advocacy organizations that may be helpful.
11. The names of government agencies or case workers that the parents may have dealt with and the parents' thoughts about them.
12. A list of government benefits that the person with a disability may receive, as well as copies of any filled-out application forms. (These application forms will help the parents the next time they apply for benefits and will be especially helpful to future caregivers who may not understand the complexity of these applications.)
13. Other miscellaneous
There are several options for Houston mortgage protection insurance. This type of insurance is usually to protect a spouse and or children in the event of the insured’s death. Without this insurance the mortgage is often foreclosed if one of the family’s wage earners has a premature death. (This is not the same as Private Mortgage Insurance (PMI), which protects your lender if you default on the mortgage payment.)A
The binder should generally contain separate folders in which parents place the following:
1. An overview of the estate plan in plain English -- that is, without any legalese, that the attorney should write.
2. Important legal papers for any children with disabilities (for example, birth certificates, Social Security cards, and health-insurance cards).
3. A description of the goals and purposes of the special needs trust, which the attorney should write.
4. A copy of the Letter of Intent, which parents should update at least once per year. The Letter of Intent is a nonbinding document that passes vital information about a person with a disability to future caregivers.
5. Unsigned copies of any wills.
6. A letter spelling out any wishes regarding final arrangements (burial, cremation, or religious services or other ceremonies that may be desired).
7. Living wills and/or Power of Attorney for health care that may have been prepared.
8. Extra signed copies of any trusts- special needs trusts, living trusts, or insurance trusts- that may have been prepared. Remember, signed copies will be needed to complete property transfers, and extra signed copies will prove to be useful.
9. A list of major assets and information about where they are kept (for example, a list of insurance policies, stocks, mutual funds, bank accounts, with policy and account numbers and storage locations, and the names of any brokers, insurance agents, and investment advisors).
10. Guardianship papers, if any, and a list of advocacy organizations that may be helpful.
11. The names of government agencies or case workers that the parents may have dealt with and the parents' thoughts about them.
12. A list of government benefits that the person with a disability may receive, as well as copies of any filled-out application forms. (These application forms will help the parents the next time they apply for benefits and will be especially helpful to future caregivers who may not understand the complexity of these applications.)
13. Other miscellaneou
Have you had it up to “here” in your present job? Are you thinking that another job would provide a better fit and mean a true commitment to the job? Well, welcome to the club…and it’s a large one. Employment experts believe that over 50 percent of the working population, at any given time, is ready to move on and find another job that is a better fit.Of course, now might not be the right time to make that move f
5. Unsigned copies of any wills.
6. A letter spelling out any wishes regarding final arrangements (burial, cremation, or religious services or other ceremonies that may be desired).
7. Living wills and/or Power of Attorney for health care that may have been prepared.
8. Extra signed copies of any trusts- special needs trusts, living trusts, or insurance trusts- that may have been prepared. Remember, signed copies will be needed to complete property transfers, and extra signed copies will prove to be useful.
9. A list of major assets and information about where they are kept (for example, a list of insurance policies, stocks, mutual funds, bank accounts, with policy and account numbers and storage locations, and the names of any brokers, insurance agents, and investment advisors).
10. Guardianship papers, if any, and a list of advocacy organizations that may be helpful.
11. The names of government agencies or case workers that the parents may have dealt with and the parents' thoughts about them.
12. A list of government benefits that the person with a disability may receive, as well as copies of any filled-out application forms. (These application forms will help the parents the next time they apply for benefits and will be especially helpful to future caregivers who may not understand the complexity of these applications.)
13. Other miscellaneou
Look around any organisation – large, medium and small. You have people, professional staff engaged in projects. These can include for example:1. service improvements 2. costs reduction 3. product development 4. staff development 5. improved salesWhere someone or a team are engaged in delivering a change, then you have a clear project and need to apply project management principles. But a
9. A list of major assets and information about where they are kept (for example, a list of insurance policies, stocks, mutual funds, bank accounts, with policy and account numbers and storage locations, and the names of any brokers, insurance agents, and investment advisors).
10. Guardianship papers, if any, and a list of advocacy organizations that may be helpful.
11. The names of government agencies or case workers that the parents may have dealt with and the parents' thoughts about them.
12. A list of government benefits that the person with a disability may receive, as well as copies of any filled-out application forms. (These application forms will help the parents the next time they apply for benefits and will be especially helpful to future caregivers who may not understand the complexity of these applications.)
13. Other miscellaneou
If you are a merchant, particularly someone who sells products online, the chances of your business being exposed to credit card fraud is highly likely. For many businesses, credit card fraud is a cost that they apportion into doing business and they may even account for it in how the price products – similar to how a business may account for bad or doubtful debts. In the UK for example, government published statistics rev
11. The names of government agencies or case workers that the parents may have dealt with and the parents' thoughts about them.
12. A list of government benefits that the person with a disability may receive, as well as copies of any filled-out application forms. (These application forms will help the parents the next time they apply for benefits and will be especially helpful to future caregivers who may not understand the complexity of these applications.)
13. Other miscellaneous papers, such as tax returns filed by the person with a disability, information about housing options, schooling, photographs of the family, parent's Social Security numbers, parent's birth and marriage certificates, certificates and awards for the person with a disability.
14. Information about where the original documents are kept.
The estate planning process, especially when parents are planning for the future security of a child with a disability, can often be heart wrenching. But when parents are through, they can feel confident that they have done all that they can to assure their child's happiness after they are gone.
Copyright (c) 2007 L. Mark Rusell
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