Funda malunga neProbate kunye nee-Asbb Non Probate
Ngaba Kuya Kufuneka ukuba Uqalise Naluphi na i-Asset's Assets?
Ukuba kunjalo, ngoko ubhekisele kwiNkqubo yeBhilidi yomntu ongenamntu oPhathwayo Ngaphambi Kwezikhathi .
Yintoni eyenzekayo kwiiAfa eziHlangeneyo?
Ukuba nayiphi na impahla ye-decedent idibene ngokubambisana namalungelo okuhlala okanye njengabaqeshi ngokubanzi, ke ezi zinto ziza kudlula ngqo kubanikazi abasaphilayo okanye umlingane osaphila ngokusebenza komthetho ngaphandle kweengxaki. Kodwa ngaba kuya kuthinteka njani ekuhlawuleni iindleko zomnini-mali oshonile? Fumana ngokufunda Yintoni eyenzekayo kwiAkhawunti edibeneyo xa iLifa leMpahla lifa?
- Ukuba isabelo se-decedent sabaqeshi kwisakhiwo esifanayo sinegama lomntu ogunyazisiweyo, isahlulo se-decedent siza kuba yinxalenye yengxaki yakhe. Ukuba ngaba kunjalo, funda indlela Iindleko zeBantu abaThatywayo eziPhathwa ngayo Ngaphambili nangethuba leNkqubo
- Ukuba isabelo se-decedent sabaqeshi kwipropati efana nayo yayingumnikazi we-Decedent's Revocable Living Trust , emva koko ufunde Ngubani ohlawulela iItyala lomntu olahlekileyo?
- Yintoni eyenzekayo kwiinshorensi yobomi? Ukuba i-inshorensi yobomi be-insedementi kwaye idlulela kumxhamli osasalayo, ngoko ubhekisela kwi- What Happens to Insured Insurance xa i-Insured Dies? kwaye Ngaba i-Inshorensi yoBomi kufuneka isetyenziselwe ukuhlawula iindleko zomntu ongekho?
Ukuba bonke abaxhamliweyo ababizwa ngokuba yi-decedent baye bahamba phambili ngaphambili, ngoko enye yezinto ezimbini zenzeke:- Intengo ye-inshurensi iya kuba yimpahla ye-estate decate's probate property. Ukuba ngaba kunjalo, bhekisa kwiNkundla yeBhilidi yomntu oThatywayo oPhathwa ngayo Ngaphambili nangethuba leNkqubo .
- I-inshurensi iya kudlulela kwiindlalifa ezizithethileyo zomthetho kwaye zingekho ngaphandle kweengxaki ngokulandela imigqaliselo yemigaqo-nkqubo ye-inshorensi yenkampani yomshuwalense. Ukuba oko kwenzeka, ngoko ubhekisela kuBani abahlawulela iItyala lomntu ongenamacala?
- Yintoni eyenzekayo kwi-akhawunti yokufa? Ukuba umntu ohlawulayo ohlawulwayo kwi-akhawunti yokufa, ukudluliselwa kwi-akhawunti yokufa, "kwi-trust" ye-akhawunti, okanye iTotten Trust kunye nabaninzi abaxhamliweyo abaxhamlileyo basinda kuloo mthethweni, ngoko babhekisela kwiNzeka ntoni kwiNkcazo yokuFika xa Umnini uyafa?
Ukuba bonke abaxhamliweyo ababizwa ngokuba yi-decedent baye baxhomekeka phambili, ngoko i-akhawunti iya kuba yimpahla ye- estate decentent probate property. Ukuba ngaba kunjalo, bhekisa kwiNkundla yeBhilidi yomntu oThatywayo oPhathwa ngayo Ngaphambili nangethuba leNkqubo .
- Yintoni eyenzekayo kwiIRAs kunye no-401 (k)? Ukuba i-decedent ibambe impahla kwisicwangciso somhlala-phantsi esifanelekileyo, kubandakanywa i-IRA okanye i-401 (k), kwaye i-akhawunti idlulela kumlingane ohlala kumniniyo, ngokubhekisela kwii-Akhawunti yomhlala-phantsi xa i-Owner ifa-Ingeniso yerhafu ukuba Umfazi osindayo ukuba afunde ngemiphumo yerhafu yokufumana i-akhawunti.
Ukuba i-decedent ibambe impahla kwi-IRA okanye i-401 (k) kwaye i-akhawunti idlulela kumntu ngaphandle komlingane ohlala kumnini, ke ubhekisela kwi-Akhawunti yeRhafu yomhlala-phantsi xa i-Owner ifa - Impembelelo yerhafu Ukuba awukho Umfazi osindayo ukufunda ngemiphumo yerhafu yokufumana i-akhawunti .
Ngokumalunga nokuhlawulwa kwe-IRA okanye i-401 (k) iindleko zomnini-akhawunti, ubhekisela kwi-IRA okanye i-401 (k) kufuneka isetyenziswe ukuhlawula iiBhili zomntu ongekho?