The Social Security system is in place to help us through difficult times. Unfortunately, there are some instances in which the system makes our lives even more difficult than they need to be. The day I received the denial letter for my claim, I wasn't sure what I was going to do. After talking with a few friends, I contacted a lawyer. That was the best decision I had ever made. Even with the professional assistance, getting the denial overturned and getting the money that I was owed took several months. I have kept a clear journal of my experience and loaded it with information that can help others get through what can be an impossible time.
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Social security denial - a journal of assistance
Making A Will: Think Family
Alexis Garcia
It is unfortunate that the word "estate" is used in regard to a will and other estate-planning tools. It almost makes it seem as if you have to actually own a lot of property or be rich to create a plan to deal with your affairs after your death. If that word is putting you off, read on to learn how not having a will could negatively affect your loved ones after your death.
Your minor children need to be cared for: When a single parent passes away without appointing a guardian, the state will step in to do so. Even singletons who are in committed, long-term relationships need to specify who they want to care for their children when they pass away. You can, at the same time, set aside a sum of money that goes to the person you select for this important task.
You shouldn't allow strangers to make decisions about your personal property: You worked hard for your home, vehicles, and other property, so make sure that your death doesn't place their deposition in the hands of the probate courts. Making a list of the major pieces of property you own is the first step in the process. List anything that has a certain value and everything that has sentimental value. With list in hand, speak to an estate or probate attorney, and turn that list into bequests. If you simply want to leave everything to your children, you can do so easily by asking that everything go to them in equal measure. They can then decide among themselves what to do with the individual items, like the house, the family china, and the pet cat. This is now a good time to specify what you would like to leave to a favorite charity organization, as well.
Make it easier on your loved ones: A death in the family has the potential to cause suffering, grief, and more. Your family will be dealing with a lot, and knowing that a will is in place is one less thing for them to take care of. Allow them to remember you in love and fondness that much quicker by preparing this simple document that addresses things like property, debts, funeral and burial plans, and much more.
Put someone in charge: If you fail to make a will, your estate will still have to be probated, and probate court will be the one making several major decisions for you. One of those decisions is the appointment of a personal representative (or executor). This is a decision that is best left up to you and your loved ones, not the court system.
Speak to an estate or probate attorney to learn more.
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