临终病人的遗产规划

The diagnosis of a terminal illness is an emotional event, and while money might not be the first thing that comes to mind in such a situation, 遗产规划 是很重要的. Here are five considerations to keep in mind for terminally ill individuals and their families.

1. 立遗嘱

A 将 is a legal document specifying who 将 receive your assets and who 将 act as guardian for any minor children. People who pass away without a 将 are said to have died “intestate,” which means state law 将 determine who receives their assets. 无遗嘱遗产的规定因州而异. Your wishes can be respected if your 将 is in order.

2. 确保你的遗嘱是最新的

如果你已经有了遗嘱，你可以 添加或补充, 通常被称为附录, which allows you to make changes without having to rewrite your entire 将.

3. Prepare a 生活将会 and a health care power of attorney

A 生活将会 is a legal document that outlines your health care wishes in the event you become incapacitated. You may not be able to anticipate every possible health care situation, so it’s important to also create a health care power of attorney. A health care power of attorney is a legal document giving power to another person to make health care decisions on your behalf when you become unable to do so for yourself.

4. 考虑最终费用pp王者电子官网

最终费用pp王者电子官网 (also called burial insurance or funeral insurance) can help cover funeral costs. Terminally ill individuals who purchase a final expense insurance policy can help ease the burden on loved ones during an especially emotional and stressful time.

5. 把你的文件整理好

Consider keeping your emergency and financial information in one safe place, so it is easier for someone else to help manage your affairs once you are no longer capable. Consider including any of the following that apply:

• 葬礼计划
• pp王者电子官网政策
• 遗嘱和信托
• 养老金和退休账户文件
• 银行文件
• 投资信息

Many of these 遗产规划 steps can be taken long before a terminal diagnosis makes them more pressing. Likewise, other financial planning tools, such as 长期护理pp王者电子官网, are more viable options before a diagnosis is made.