Kwiimeko ezininzi, impendulo ayikho. Iingabikho zikhona, njengokuba ungumlingane osaphila kwaye uhlala kwipropati yommandla woluntu, kodwa ngokuyinxalenye, izindlalifa azikwazi ukufumana ilifa.
Ngoko, ngubani ojongene nokuhlawula zonke ezi ntlawulo kunye naziphi na iimali? Kuxhomekeke ekubeni i- estate of the decedent isisombululo okanye ingabikho.
Iyintoni i-Solvent Estate Estate?
Impahla yokuhlengahlengisa enye enye apho i-decedent yashiya impahla eyaneleyo kunye nemali yokuhlawula amatyala akhe emva kokufa kwakhe. Xa ixabiso lezinto zonke analo, zithengiswa ngemali kwi-akhawunti yebhanki, uya kufumana ukuba ixabiso lidlula imali ebolekiweyo. Ukuba isakhiwo sinqunyulwa, ummeli okanye ummeli wakhe oqeshwe ukulawula imicimbi yakhe uya kuhlawula iibhokhwe zakhe kwi-coffers yefa, ukuhlawula impahla xa kuyimfuneko.
Olu lingano lubandakanya ixabiso lexabiso eliphantsi kwegama lakhe kuphela kunye nalabo ababandakanya ipropati yakhe. Iimpahla ezingenayo ukudlulela kwiingxaki zokudluliselwa kubaxhamli abaphilayo abafakiwe, njengeakhawunti yomhlala phantsi, iibhanki zebhanki, okanye i-real estate edlulela ngqo kumxhamli ngokusebenza komthetho.
Ukuba ixabiso lazo zonke i-asethi ze-decedent zongeza kwi-100,000 yee-dollar kunye neebhilikhwe ezilingana ne-$ 50,000, i-estate yayo ithathwa njenge-solvent. Ummeli womntu ngokwakhe unokuhlawulela iindleko zakhe ngokupheleleyo. Okushiyekileyo-kule ngxaki, i-$ 50,000-iya kubaxhamli ababizwa ngokuba ngabaxhamli be-decedent ukuba babe necebo lokuhlala njengento yokugqibela kunye nentetho.
Ngaphandle koko, kuya kubaphathi-mthetho bakhe , abantu ngabanye abahlolisana naye ukuba bazuze ngomthetho welizwe ngokungabikho kwesicwangciso sezindlu.
Yintoni i-Insolvent Estate Estate?
Impahla engekho phantsi kwayo ingenayo ixabiso elifanelekileyo lokuhlawula zonke iindleko zomthetho. Xa ixabiso lepropati yakhe yeengxaki ilandelwe, ixabiso lilingana okanye lingaphantsi kweebhilikhwe ayenetyala.
Xa ilifa lingabikho, ummeli wakhe kufuneka abeke phambili ukuhlawulwa kwemithetho-mali ye-decedent ngokwemithetho yomthetho kunye nemithetho karhulumente apho wafa khona. Ukuba iimpahla zakhe zilingana ne-100,000 yeedola kodwa ikhadi lakhe lekhredithi kunye neendleko zonyango zidibanisa ukuya kwii-150,000 zamaRandi, ifa lomntu oshonile lingabikho kwi $ 50,000 kwaye umntu akayi kuhlawulwa.
Umthetho kunye nemimiselo yomgaqo-nkqubo ichaza ukuba ngubani na umboleki abafanele bahlawulelwe ngokugcwele, abaya kufumana kuphela intlawulo yentlawulo, kwaye akuyi kuba nantoni na. Kwamanye amazwe, njengeFlorida, iibhilidi zezokwelapha zihamba phambili xa zithe zenziwa ngaphakathi kwithuba elithile lexesha ukususela ngomhla wokufa, ngokuqhelekileyo iintsuku ezingama-60. Ummeli wobuqu uya kufuneka ahlawule la matyala kuqala, kwaye ababolekisi abafana nababolekisi bamakhadi kufuneka bathathe inxaxheba kwimali eseleyo.
Ngelishwa, abaxhamli be-decedent okanye iindlalifa-mkhwenyana bakhe abafumani nto ukuba ifa lithengiswayo, kodwa abayibo abajongene nokuhlawula imali yokuhlawulwa kwamatyala angahlawulwanga. Iinkampani ezingakhange zihlawulwe ngokuqhelekileyo kufuneka zibhale iimali zabo ezimbi-kunye nenye indawo yamakhaya asebekhusela kunye nezibhedlele kwezinye iindawo. Ezinye izigunyazo zivumela ukuba amaziko afune abantwana abadala ukuba bafumane ezinye iibhilidi zonyango ezingabhataleli ukuba i-estate ayikwazi ukuwafihla.
Ukuba Ubhalise kwiTyala
Kakade ke, kukho ummandla kuwo wonke umgaqo, kwaye imeko iguquka ngamatyala awazange athathwe kwigama elilodwa elidumileyo. Ukuba uthe wangena kunye naye kwikhadi lesikweleti okanye mboleko yemoto, eli tyala aliyekanga kunye nokufa kwakhe nangona ifa lakhe lingenalo.
Akunjalo nefa lakhe elijongene nokuhlawula ukuba ngaba liyi-solvent.
Kule meko, umthetho wabathengi uthabatha umthetho wefa. Umboleki-mboleko unomnye umntu onesivumelwano kunye nale ngxowa-mali, kwaye ngokupheleleyo kumalungelo akhe okuphinda amlandele unyana ukuba ahlawule imali ehlawulwayo, njengokuba bekuya kwenzeka ukuba umhlala-phantsi wayehlala kodwa wayedalwe kumboleko.
IziTyala zomtshato kwiiNkampani zoLuntu lweMpahla
Amatyala ayenziwe ngumlingane kwipropati yombutho woluntu ibhekwa njengelungelo elilinganayo ngabo bobabini, nokuba ngaba omnye umlingane owenziwe ngetyala. Bayahlawulwa ngokufanelekileyo ngumtshato "woluntu," kungekhona ngumlingane ngamnye, ngoko umlingane ohlala naye unokuhlala ejongene namatyala.
"Ngaba unako" igama eliphambili. Le mithetho ingaba yinkxalabo kwaye ingahluka phakathi kwepropati yoluntu ithi: iCalifornia, iTexas, i-Nevada, iNew Mexico, i-Arizona, iLouisana, i-Wisconsin, i-Idaho ne-Washington ngo-2018. Ukuba uhlala kwelinye lala magunya kunye neqabane lakho Ufile, uthetha kunye negqwetha ukuba uqiniseke ukuba uyaziqonda amalungelo akho kunye noxanduva lwakho. Ezinye zala mazwe azicingi ukuba amatyala enkonzo ahlawulwa ngumtshato womtshato, kodwa abanye bawenza.
Kwiimeko ezininzi, uya kuba noxanduva lokungenani inxalenye ethile yamatyala ekhadi lamatyala, nangona kunjalo, ingaba ngamagama adibeneyo okanye nje ngegama lomlingane wakho.
Ukuba i-Decedent Received Medicaid
Ukuba i-decedent iyayifumana i-Medicaid inzuzo, urhulumente ngokuqhelekileyo unelungelo lokufuna ukuhlawulwa kwezi ntlawulo nangona i-decedent ishiya indawo engekho phantsi. Oku kunesiphumo sokususa la matyala phambi komgca wokuhlawula kwi-estate engekho phantsi, nangona urhulumente akakwazi ukuqhuba izihlobo zokuhlawula okanye ukuzama ukuqokelela ukuba umntu osweleyo ushiye umlingane ohlala esaphila.
Imithetho yeMedicaid ingaba nzima kakhulu, kwaye iyakwazi ukuhluka ukusuka kummandla ukuya kwimeko. Ukuba umzali wakho ufumana ezi ntlawulo, uya kufuna ukuthetha kunye negqwetha ukuze ufumane apho umi khona.