I-inshurensi ye-FDIC, iiTrasti eziKhuselekileyo kunye neendawo

Umthetho omtsha weTyhula ulula ukubalwa kweNkcazo ye-inshurensi ye-FDIC yeTrasti

Ngokukhawuleza kwangoko kwebhanki, kukho ukudideka okukhulu malunga nenani lokukhusela i-inshorensi kwi-akhawunti yasebhanki egcinwe kwiibhanki ze-FDIC. Ukudibanisa nale yimithetho edidayo esebenza kwii-akhawunti ze-trust kunye ne-estate. Ekuphenduleni, ngoSeptemba 26, 2008, iBhodi yoLawulo lwaBhodi ye-FDIC ikhishwe umgaqo omtsha wesikhashana osebenzayo kwiinkcazo ezinikezelwa kwii- Akhawunti zeTrasti zeTrasti . Ngokumalunga nalo mgaqo omtsha kuza ukunyuka okusisigxina okusisigxina kwi-FDIC inshorensi ukusuka kwi-$ 100,000 ukuya kuma-250,000 kwi-deposititor nganye, kwisikolo ngasinye sokubambisa i-akhawunti esabandakanywe kwi-Wall Street Reform kunye noMthetho woKhuseleko lwaBathengi. ngoJulayi 21, 2010.

Inkcazo ye-FDIC ye "Akhawunti yeTrasti eLawulayo"

Inkcazo ye-FDIC ye "Akhawunti yeTrasti eLawulayo" ifaka iakhawunti engathethiweyo, kuquka ukuhlawulwa ngokufa, okanye ii-akhawunti ze-POD, kwi-akhawunti ye-trust-for, okanye i-akhawunti ye-ITF kunye ne-Totten Trust akhawunti, kwakunye neakhawunti ezisemthethweni eziphantsi kweTrasti kwiNkcubeko yokuThumela iNdawo yokuPhepha.

Isishwankathelo se-Old Rule Elawulayo i-FDIC Insurance kunye nama-Avocable Trust Accounts

Umthetho omdala olawula iiAkhawunti zeTrasti zeTrasti ezilungiselelwe ezi zilandelayo:

1. Ama-akhawunti aqinisekisiwe ukuya kwii-100,000 zamawaka "ngomxhamli ofanelekileyo" otyunjwe ngumnini we-akhawunti.
2. Abaxhamli bafanelekile bachazwa njengeqabane lomnini-akhawunti, abantwana, abazukulu, abazali kunye nabazalwana babo.
3. Abanikazi beakhawunti abaninzi bafumana ukuhlaliswa ngokwahlukileyo kumnini ngamnye, ngamnye ngomxhamli ofanelekayo.
4. "Umxhamli onelungelo elipheleleyo" lwalufumaneka kwiiAkhawunti zeTrasti eziLawulayo ngokwahlukileyo kwiinkcazo ezinikezelwa ngokunxulumene namanye ama-akhawunti abanjwe kwamanye ubunini bomnini (njengamagama ngamnye okanye adibeneyo) kwiibhanki ezifanayo ze-FDIC.

1. I-akhawunti ibonelelwe kuphela xa idibene neemfuno ezintathu: (1) Isihloko kwakufuneka sifake i-POD, okanye i-ITF, okanye i-Trust Revocable, okanye igama elifanayo elibonisa injongo yokuba i-akhawunti iya kudlulela kubaxhamli abathembekileyo emva kokufa komnini; (2) Umxhamli ngamnye kufuneka abe "ngumxhamli ofanelekileyo" njengoko kuchaziwe ngasentla; kwaye, (3) Kwiingxelo ze-POD, abaxhamli kufuneka bachongwe ngokucacileyo kwiirekhodi zeakhawunti, ngelixa abaxhamli be-Revocable Living Trust abazange bahlulwe.

1. Ekuqaliseni ukuhanjiswa, kwakudingeka ukuba siqonde intsingiselo yomncedisi ngamnye kwi-Trust Revocable, kuba yintlawulo yexabiso, indawo yokuhlala, okanye isabelo esilinganayo okanye esingalinganiyo sokuthemba.
2. Zonke iimali umnini abanjwe kwiingxelo zombini ezisemthethweni ezikhuselekileyo ze-Living Revenueable kunye nee-akhawunti ze-POD ezibizwa ngokuba ngabaxhamli abafanayo bahlanganiswe kwiinjongo ze-FDIC kwaye baqinisekisiwe kuphela kumda ophezulu wokufikelela.

Isishwankathelo soMgaqo-nkqubo omtsha olawula i-FDIC Insurance kunye nama-Avocable Trust Accounts

I-FDIC ineenjongo eziliqela malunga nokupapashwa komgaqo omtsha wesikhashana:

1. Ukwenza lula umthetho ukuze kube lula kubasebenzi bebhanki kunye nabathengi ngokufanayo ukuqonda nokusebenzisa.
2. Ukuphelisa imfuneko yokuba umxhamli abe "ngumxhamli ofanelekileyo".
3. Ukuphelisa imfuno ekujongeni inzala enenzuzo yomntu ngamnye ofumana inzuzo yeTrust Revocable kwi-akhawunti exabisekileyo kwi-500,000 okanye ngaphantsi.
4. Ukubeka imida efanelekileyo kwi-akhawunti ye-trust trust ene-five beneficiaries ezahlukeneyo kwaye ibambe ngaphezu kwama-500,000.

Ngenxa yoko, ulawulo olutshanje lwexeshana lugcina zonke iimpawu zomthetho omdala odweliswe ngasentla kunye nemibandela emithathu ebalulekileyo:

1. Abaxhamli abasafuneki ukuba babe "abafanelekileyo abaxhamliweyo." Kunoko, nabani na abaxhamli ababizwa ngokuba yi-Trust Revocable, nje kuphela ukuba umzuzi ngumntu wendalo, okanye inkululeko okanye enye inhlangano engenzi nzuzo, inikwa inqaku.

1. Ukufumana ama-akhawunti angama-500,000 okanye angaphantsi kwee-balanceary, umgaqo-mali unqunywe ngaphandle kwemfuneko yokuqinisekisa ukuba inzuzo yomntu ngamnye inzuzo kwiTrustable Revocable (kubandakanya izibonelelo zobomi ezinikezelwa ngama-250,000 ama-coverage).
2. Ubungakanani buncinci kwiiTrasti eziPhephekayo ezinama-beneficiaries angaphezu kwamahlanu kunye neengxelo eziphethe ngaphezulu kwe-$ 1,000,000.

Ingakanani Ubungqina be-inshurensi ye-FDIC I-akhawunti yeBhanki ye-Estate ye-Estate?

Ukuba ungummeli wobuqu bomhlaba we-probate, ke ngumsebenzi wakho wokuqinisekisa ukuba ulawulo lwe-FDIC lusebenza njani kwiimpahla ze-asethi ezigcinwe kwiibhanki ze-FDIC. Ngelixa ucinga ukuba, njenge-akhawunti yasebhanki yebhanki, i-akhawunti yebhanki ye-estate iya kuqinisekisiwe kwisiseko ngasinye, oku akunjalo. Endaweni yoko, i-akhawunti yebhanki ye-asethi iqinisekisiwe kuphela ukuya kumaxabiso angama-250,000.

Ngoko ukuba indawo ayiyi kuvalwa nayiphi na ixesha kwaye imali ebhankini idlula i-$ 250,000, ngoko kufuneka ucinge ngokusasaza imali phakathi kweebhanki ezahlukeneyo okanye ukusebenzisa inkqubo ye-CDARS ukukhusela ngokupheleleyo imali yempahla.

Ukusebenzisa i-FDIC "U-Edie Umlinganisi" ukuQinisekisa Umyinge wakho

Nangona umgaqo omtsha wesikhashana wenza lula ukubala kokubhengezwa kweeAkhawunti zeTrasti eziKhuselekileyo kwiindawo ezininzi, ukucinga ukuba konke oku kusemdeni kunokudideka. Ukunceda abathengi banqume ukufikelela kwabo, i-website ye-FDIC inesixhobo esibizwa ngokuba ngu "Edie Umlinganisi" oya kubala i-coverage oyifumanayo ngabanye, abathembekileyo, kunye neakhawunti zoshishino ezigcinwe kumaziko e-insured-FDIC.