Full Description

Everything Your Family Needs—to Organize Essential Information

My Wishes is an essential guide to organizing your life and preparing for the future. It provides an effective way to communicate to your loved ones all of your life plans, and it gives your family immediate access to information when long searches for vital documents are the last thing they want to do.

Whether you are looking for a way to send a lasting message or simply want to get all your affairs in order, My Wishes provides the peace of mind needed in times of sorrow. Follow its simple steps to ease a trying time and start your family on a healing path. Use it to quickly organize all your affairs.

--Prepare a will or trust to distribute your wealth among your loved ones
--Arrange for hospice care and treatment options with your doctor
--Write your own obituary and eulogy
--Organize your bills, insurance policies and other important papers
--Execute powers of attorney to safeguard your health and your finances
--Make final arrangements so your family won’t have to

My Wishes organizes and communicates all the information you want your loved ones to know, when they need it most.

Table of Contents

Preface -
Introduction -

Part 1: Personal Issues
Chapter 1: Preparing for the Inevitable -
- Planning for the Inevitable—Presidential Style
- Sudden Adult Death
- Terminal Illness
- Live Life Today
- A Financial Planning Checklist for Terminal Illness

Chapter 2: Living with Dying -
- Accepting Fate—Not Death
- Finding the Support You Need
- Embracing Your Spirituality

Chapter 3: Advance Health Care Planning and Organ Donation -
- Develop a Plan
- Share Your Plan
- Treatment Issues
- Organ Donation
- Recording Your Plans for Advance Health Care Planning

Chapter 4: The Role of Hospice -
- History of Hospice Care
- What Hospice Care Is
- How Hospice Care Works
- Services Provided by Hospice Care
- Qualifying for Hospice Care
- Affording Hospice Care

Chapter 5: The Funeral Service -
- The Service
- Pallbearers
- Speakers
- Funeral Service Planner
- Writing Your Own Eulogy
- A Celebration of Life Service

Chapter 6: Preplanning Arrangements -
- Pre-Need Arrangements
- Alternatives to Prepayment
- Funeral Homes and the Funeral Rule
- Cremation
- Burial or Cremation—Make Your Wishes Known
- Cemeteries
- Veteran Funerals
- Memorial Societies
- Headstone Inscriptions
- Second Marriages

Chapter 7: Obituaries and Video Letters -
- Sample Obituary
- Obituary Worksheet
- Video Letters

Chapter 8: If You Have to Relocate -
- Making the Decision

Chapter 9: If You Are Alone -
- Medical Care
- Hospice
- Home Nursing and Caregiver Services
- Estate Planning
- Final Interment
- Organ Donation

Chapter 10: How to Behave -
- Your Choice of Executor and Trustee
- Division of Money and Other Liquid Assets
- Division of Personal Property
- Let’s Be Friends
- Your Behavior Towards Others

Chapter 11: Legacy Wills -
- Writing Your Legacy Will
- Sample Legacy Will

Part 2: Managing Your Affairs
Chapter 12: Disposing of Personal Property and Cleaning House -
- Disposing of Embarrassing Items
- Keeping Promises to Leave Property
- Distributing Personal Property During Your Lifetime
- Making Charitable Donations of Your Property
- Frequent Flyer Miles
- Don’t Be a Pack Rat
- Checklist for Organizing Your Home
- Caring for Your Pets

Chapter 13: Wills and Trusts -
- Last Wills and Testaments
- Will Preparation Worksheet
- Last Will and Testament
- Special Will Provisions
- Guardianships
- Last Will and Testament (Guardian)
- Providing Health Information
- Family Medical History and Health Insurance Information
- Personal Medical History
- Revocable Trusts versus Wills
- Inheritance Taxes

Chapter 14: Living Wills -
- Preparing a Living Will
- Living Will (A Directive to My Physician)

Chapter 15: Powers of Attorney -
- Advance Health Care Power of Attorney
- Power of Attorney for Health Care
- Financial Power of Attorney
- Durable Power of Attorney
- Conservatorships

Chapter 16: Navigating Through the Paperwork -
- Organizing Your Financial Records
- Personal Data and Record Locator
- Organizing Your Credit Accounts
- Accounts Organizer

Chapter 17: Managing Debt -
- Who Gets Paid
- Is Filing for Bankruptcy an Option?

Chapter 18: Private Insurance and Financial Planning -
- Reverse Mortgages
- Disability Insurance
- Long-Term Care Insurance
- Funeral Insurance
- Life Insurance
- Travel Insurance

Chapter 19: Medicare and Social Security Disability -
- Medicare
- Social Security Disability Benefits
- Claim Procedures
- Request for Reconsideration (The First Appeal)
- Request for Hearing (The Second Appeal)
- Types of Social Security Programs
- Survivor’s Benefits

Chapter 20: The Role of an Attorney -
- When Do I Need an Attorney?
- Finding a Lawyer
- Medicare and Elder Law Issues

Chapter 21: Scams -
- New Best Friend Scams
- Living Trust Scams
- Funeral Industry Scams
- Identity Theft Scams
- Health Insurance Scams
- Other Common Scams

Chapter 22: When Death is Imminent -
- Debts of the Deceased
- Schedule of Debts
- Notification to Credit Card Companies
- Notification to Social Security
- Notification to Disability Insurance and Long-Term Care Insurance Providers
- Notification to Pension Benefit Providers
- Home Maintenance and Other Emergencies
- Home Maintenance and Emergency Worksheet

Chapter 23: Unfinished Business -
- Relieving Your Survivors’ Burden
- Prepaid Purchases
- Personal Injury and Other Legal Actions
- Copyrights, Patents, and Trademarks

Conclusion -
Glossary -
Appendix: Blank Forms -
Index -
About the Author

Excerpt

Ensure Family Peace after Your Death

Excerpted from My Wishes by Benjamin H. Berkley © 2006

The most disappointing calls I receive are from siblings who are bickering with each other over their parents’ estate. This can be a stressful time for anyone who has lost a loved one. Having a conversation with your children while you are still here might avoid or at least minimize potential problems that could arise after you have passed. The following guidelines discuss potential issues and can serve as a primer from a parent to their children on how to behave with their siblings after the parent is gone.

Your Choice of Executor and Trustee
Children sometimes feel slighted when one child is chosen over another to be their parents’ Executor or Trustee. Children wonder if their parents did not consider them smart enough or otherwise suitable for the job.

Your choice for Executor, Trustee, or any Power of Attorney is typically decided based on practicalities and not favoritism. Perhaps your oldest child lives out of state, and therefore, it would not be logical for him or her to handle the financial decisions that would have to be made when you are no longer here. Having a conversation with your children after you have completed your estate planning paperwork will go a long way to avoid future problems between your children.

Division of Money and Other Liquid Assets
In the great majority of Wills and Trusts, there is usually an equal division of assets among children. However, you may have very good reasons not to divide your estate equally. Perhaps you have a child with whom you had little or no contact for many years, and you may feel that this child does not deserve an equal distribution. You may have one child who has been down on his or her luck, while your other child has done very well financially and is self-sufficient. You may want to give more to the child who really needs the money. Talking with your children about your decision might help them
understand your reasons and avoid resentment later.

Bruce’s Story
I prepared a Trust for a widower. Bruce’s daughter and her child lived with him in his house. He had an older daughter who was married to a very successful businessman. The daughter who lived with him took care of Bruce, especially when he became ill. She had very little income and Bruce decided to leave his house, which was his major asset, to her. Upon his passing, the older daughter offered to have a collation for friends and family after the funeral service at her house, since it could accommodate more people.
Weeks later, after the Trust was read and she realized that she was not left an interest in the home, she sent her younger sister an itemized bill for paper plates, plastic utensils, deli meats, mustard, and mayonnaise as her share of the cost for the collation. A very caustic note accompanied the bill. When the younger sister did not pay, she was sued in small claims court. Fortunately, the older sister lost, but had Bruce discussed his reasons for distributing his estate the way he did with his children, it may have saved the sisters’ relationship.

If a conversation is not possible, leave a sealed letter, addressed to each child, and instruct that it is only to be delivered upon your passing. In your letter, you can explain your decisions. Be careful, however, if you have omitted a child from your Will. Unless your Will names your child and then specifically disinherits him or her, most courts will allow that child to challenge the Will for not being included in your estate.

Division of Personal Property
A Will or Trust often does not specify what each child is left. Instead, the language often reads, “All my personal property to be divided equally between my children.” In this case, you should advise your children before you pass that they should respect each other’s wishes in deciding upon a fair distribution.

Renee’s Story
Renee had three daughters. She was afraid that after her passing, the daughters would tear each other apart in an effort to take as much as possible from the house for themselves. In an effort to prevent this fighting, Renee appointed the Public Guardian as the Executor of her Will. The Public Guardian is a court-appointed official who steps in to secure the premises after an individual’s death. The Public Guardian of Renee’s estate had instructions to padlock the home and then change the locks. Thereafter, he was to auction
off all of the contents, deduct his administrative fee, and divide the proceeds among the three daughters.

Division of Personal Property Without a Will
As discussed in Chapter 13, not everyone needs a Will. However, you probably have some specific items of personal property that you wish to leave to your children. Whether it is a coin collection, jewelry, or other family heirloom, you would like your children to enjoy it after you are no longer here. In such cases, tell your children what is left for them. Make sure each child knows what the others are to receive. That way, there are no surprises.

Jewelry
Jewelry is the one item that often creates the most fighting between children, especially when there are no specific instructions left. The sons usually have no interest, but the daughters and daughters-in-law are ready to run a marathon to collect the gold. Make it perfectly clear to your children and in-laws what jewelry they are to receive. Be aware, however, that even with these precautions in place, jewelry often mysteriously disappears after one’s passing.

Julia’s Story
Julia’s mother always told her that all of her jewelry would become Julia’s. However, just to avoid the possibility that some of the jewelry would disappear by the time Julia flew across the country for the funeral, her mother told her that all of the expensive jewelry
was kept in a coffee can on the second shelf of the refrigerator. That way, in case there were some daughters-in-law with sticky fingers, they would be foiled trying to pull off the heist. Sure enough, when Julia arrived, one of the daughters-in-law approached her and said, “Didn’t Mom have a set of pearl earrings? I didn’t see them when I was picking out clothes for the funeral.”

Let’s Be Friends
One’s passing often results in either bringing families closer together or driving them further apart. If siblings were close before, they will become closer. However, if there was jealousy or animosity, whether there was reason for it or not, some siblings view the loss of a parent as the perfect time to finally cut themselves off from any future family ties. Parents are often tuned into ongoing disputes between their children, even when the children are not aware of what the parent knows. If you know of sibling disputes, convey to your children how important it is to you that they bury the hatchet and live their lives as a family. Remind them that friends may be gone tomorrow, but family is for life.

Ethel’s Story
Ethel had two daughters who had not talked to each other for over ten years. It was Ethel’s dying wish that her children make peace. She said she could not die until that happened. As death was imminent, she pleaded with her daughters to speak with each other. Her doctors were amazed at how she clung to life. Barely able to speak, her body wracked with pain, she acknowledged me with her eyes when I visited her in the hospice facility. I told her that I received a call from her daughter in Chicago who was on her way to see her. That night, both daughters appeared in her room, having made peace. Ethel passed away that night.

Your Behavior Towards Others
It would be the greatest understatement to say that learning that you may no longer be here is stressful. Many books have been authored by grief counselors and other health care professionals advising how one should accept the news and respond. That all sounds great—unless the news concerns you. No one can tell you how you feel or how you will feel. No one can suggest or dictate your emotions when you are facing the greatest challenge of your life. It is understandable that you will be angry, moody, unfriendly, or all of these things and more. Still, for whatever it is worth, consider the following.

? This is not the time to be mean, rude, or ungrateful to your family
and friends. Your family and friends are your support group. If they
are sincerely offering to help, take their offer.

? Do not make unreasonable demands on others. Be sensitive to the
schedules of your family and friends.

? It is not only about you. End-of-life decisions involve you and all
those who surround you. Remember, it is your survivors who need
to be strong to continue after you are gone.

? Conduct yourself in the way you want to be remembered. We are
all judged after we are gone, and faults tend to be recalled first.

? Have tolerance. Do not criticize or question the motives of others
unless you have proof that the person has acted insincerely. Wait to
hear the explanation before you make assumptions that could lead
to hurt feelings.

? Be receptive to health care professionals. This is their job and they
signed on to help you. By making their job easier, you will be
helping yourself.

? Live each day. Whatever time is remaining, be as physically and
mentally productive as you can.

Tim’s Story
Tim was appointed trustee of his uncle’s estate. His uncle, Louis, had no children with his wife of forty-five years. Louis and Louann were living alone in their home and refused to go into an assisted living residence. They had always had a reputation in the family for
being mean and ornery, but Tim could never have predicted what was to come.

Over a period of two years, Tim made twenty-nine trips to Las Vegas from Los Angeles. In addition to buying groceries, paying bills, and scheduling and keeping doctor appointments, Tim had the stressful and time-consuming responsibility of trying to keep
the home health care providers from leaving. This is because Louis and Louann were verbally abusive to each other and to the health care workers. Out of spite, if Louann liked one aide, Louis would purposely despise her. They would also shove and throw food that was prepared for them, not allow the aides to change the bed sheets, and resist all attempts at showering. Other family members tried to visit, but were refused entrance. Over the two-year period, more than one hundred health care workers were employed in the home. Tim eventually went through every senior aide agency in Las Vegas.

One day, the latest health care worker called Tim and said that Louis was refusing to eat. He was also less agitated. Less than ten days later, Louis passed away, followed after seven weeks by Louann. Predictably, as the extended family gathered for the funerals, tales of rudeness overshadowed stories of kindness and fond memories. How sad!

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