Page 12 - Jupiter West - October '21

Page 12, Jupiter West
Got Stuff? George Carlin Says You Need An Estate Plan!

Submitted by Anné Important Legal Mumbo Jumbo Example 3: If you’re married and you’ve got kids,
Desormier-Cartwright, J.D. An estate plan must meet certain legal requirements, don’t be too sure that your spouse is going to get all your
George Carlin would have including that it must be written down, it must be signed by stuff. Your kids will probably get their share of your stuff,
been a great pitchman for you, and it must be witnessed by other people who see you which means your spouse may not get enough of your
estate planning. You may sign it. Your estate plan may be very simple, or it may be stuff to live on.
remember his stand-up routine more complex, depending on how much stuff you have, how By the way, if your stuff includes kids, then you’ve really
on “stuff.” We all have stuff, long you want your stuff to provide for the people you care got to get a plan. Otherwise, the court will decide who will
and we’re pretty particular about, and when you want them to actually get your stuff. raise them if something happens to both parents when the
about our stuff. We move it For example, you’d probably want to wait a few years before child is still a minor.
around with us, it’s hard for that cute 2-year-old receives grandpa’s antique pocket watch. Scary thoughts? You bet!
some of us to get rid of it, and How Do You Get An Estate Plan? The Bottom Line
some of us don’t like our stuff You decide who you want to get your stuff and when you If you’re responsible enough to have your own stuff, you
mixed up with other peoples’ stuff. want them to get it. Your attorney then puts your instructions need to be responsible for making sure what will happen to
During your lifetime, you collect a lot of stuff, some of it into a legal document called a will or trust. (There are distinct it after you’re gone. Let’s make sure you do it right; call the
valuable and some of it not. But because it’s your stuff, it means advantages to using a trust, but we’ll save that discussion for office now and we’ll help you translate your plans for your
something to you. You already know you can’t take it with you another time.) Also, while you can legally write your own, stuff into a legally binding document.
when you die, so there has to be some way of distributing your you have a much better chance of your estate plan working if If you have questions about your estate plan and what
stuff to other people. you have an experienced attorney do it for you. To be frank, documents you should have in place to plan your estate,
Normally, you want your stuff to go to people you care about laypersons mess it up all of the time. schedule a free consultation today by calling our office at
… your family and special friends, sometimes a worthwhile What Happens If I Just Don’t Get Around To It? (561) 694-7827, Anné Desormier-Cartwright, Esq., Elder &
cause. And you may want certain people to have certain things What if you die and you don’t have an estate plan? Well, Estate Planning Attorneys PA, 480 Maplewood Drive, Suite
to remember you by. there still has to be a way to get your stuff to other people, 3, Jupiter, FL 33458.
Document Instructions For Your Stuff so the state in which you live has a plan waiting if you don’t The content of this article is general and should not be
When you die, all your stuff, no matter how valuable or have one. The only problem is that you won’t have any say relied upon without review of your specific circumstances
invaluable it is, is called your “estate.” In the simplest terms, in who gets your stuff, and someone might get left out – and by competent legal counsel. Reliance on the information
an “estate plan” is your instructions for getting your stuff to the – your stuff may go to a stranger – some “heir at law” that herein is at your own risk, as it expresses no opinion by
people you want to have it after you die. you don’t even know. the firm on your specific circumstances or legal needs.
Example 1: If more than one of your relatives want the An attorney client relationship is not created through the
information provided herein.
same part of your stuff, that can get messy and expensive
Medicare Corner … and a lot of your stuff will be used to pay the courts and To comply with the U.S. Treasury regulations, we must
inform you that (i) any U.S. federal tax advice contained in
attorneys to sort it all out. (Happens all the time.)
With Kathy O Example 2: If you’re not married and you want your this newsletter was not intended or written to be used, and
significant other to get some of your stuff when you die,
cannot be used, by any person for the purpose of avoiding
you’d better get your plan in place, or it just won’t happen.
U.S. federal tax penalties that may be imposed on such
It’s Time For Medicare Under the state’s plan, your stuff will go to your blood person and (ii) each taxpayer should seek advice from their
tax advisor based on the taxpayer’s particular circumstances.
relatives. Period.
Annual Enrollment Period
(AEP) Oct. 15 To Dec. 7

What does this mean
to me, what are my
options?
Change from
Original Medicare to
a Medicare Advantage
Plan – Change from a
Medicare Advantage
Plan back to Original
Medicare – Switch from
one Advantage Plan to
another Advantage Plan
– Join, drop or change Medicare drug coverage.
Supplement Or Advantage Plan?
Advantage Plans must cover all the medically
necessary services that Original Medicare covers. Most
plans offer extra benefits that Original Medicare doesn’t
cover like prescription drugs, dental, vision and hearing.
Medicare Supplement Insurance Plans (also called
Medigap) helps fill “gaps” in Original Medicare and
are sold by private companies to cover deductibles and
copays.
Prescription drug coverage must be purchased NoN-Toxic cancer immunotherapy
separately.
What Do I Look For? How Do I Know What Plan Is
Best For Me?
First we review the costs of supplement and drug plans Available NoW
and look at your healthcare budget. Then we review the
Advantage Plans, are your doctors in network and review Safe and Effective!
the cost of medications you take. Another consideration
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Medicare.gov offers look-up tools for medications and
all plans in your area. There is an overwhelming amount
of information there. A licensed local agent like me can Hundreds of successes over the years.
review your information and help you make an informed
decision. Continuously available since 1977
I Am Already On An Advantage Plan I Like …. Should
I Change? in Freeport, Grand Bahama Island
Each year you receive the Annual Notice of Change
(ANOC) for your plan which outlines the changes for the
upcoming year. A free plan review will let you know if See our website for more info:
other plans you previously ruled out may have coverage
that better meets your needs now or if your current plan www.Quantumimmunotherapy.net
is sufficient.
I speak Medicare: Supplement, Drug Plan and or call for more information: Toll-free number (561) 766-0878
Advantage Plan. For your free Medicare Plan review
please call me. Kathy Olejniczak, Agent (561) 212-7640. Email: Quantimmuno@gmail.com