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Estate Planning for Unmarried Couples
Our society is becoming more accepting of non-traditional families which means that many couples no longer feel pressured to get married before starting a life together. In fact, the number of live-in couples in the U.S. rose 25 percent from 2000 to 2010. If you are in a committed relationship with someone but you are not legally married, you may miss out on some of the legal protections and advantages provided through marriage, particularly those related to inheritances and estate planning. However, with some preparation, it is possible to create an accurate estate plan which reflects your wishes even if you are not married.
Create a Will
An important step for anyone is creating a last will and testament. It is especially crucial for unmarried couples to be deliberate about their wills. In order to ensure that your assets are passed to your significant other when you die, you must specifically name your partner as your beneficiary on all pensions, retirement accounts, and insurance policies. Some retirement accounts have rules against nonfamily beneficiaries, so double check with an estate planning attorney that you are able to legally name your partner on all necessary accounts. You may need to designate your significant other as your power of attorney and sign an advance care directive if you wish him or her to make decisions about health care and finances if you ever become unwell.
This Factor May Make Your Partner More Likely to Cheat
Unfaithfulness in a marriage is unfortunately common. In fact, surveys show that one or both spouses admit to cheating in one-third of marriages. Men admit to cheating at an average of 22 percent, while approximately 14 percent of women admit to cheating. As any couple who has dealt with infidelity knows, cheating can take a serious toll on a relationship or marriage. There is no surefire way to predict if a partner will cheat on their significant other, but new research has shed light on the reasons that some people cheat.
Researchers from Texas Tech University and the University of Nevada Reno studied the childhoods of adults that ended up cheating on their significant other. They defined cheating as “concealment of behaviors and the resulting emotional fallout” it causes. The researchers discovered that individuals who had parents who were unfaithful to each other were more likely to cheat on their partner as adults. According to the researchers, social learning theory accounts for this trend. Basically, children whose parents cheated on each other are more likely to cheat as adults. The research team found that people whose parents were unfaithful were more likely to accept the favorability of infidelity. This made them more likely to be unfaithful themselves in future relationships.
Estate Planning End-of-the-Year Checklist
As 2017 comes to a close and we venture into 2018, it is important to make sure your estate plan is still accurate and reflects your current wishes. An up-to-date estate plan will offer peace of mind that your family is taken care of and that your final wishes are fulfilled after you have passed. An estate plan also protects your rights and financial interests while you are still living.
Without an estate plan, a person’s assets are divided according to state laws. This means that a person without a comprehensive estate plan has little say in how their assets are disseminated after they pass away. If you currently have an estate plan in place, the end of the year is a good time to review and modify the plan as needed.
Review Your Current Estate Plan
As you are going over your estate plan, ask yourself the following questions:
- What family changes have taken place this year? If members of your family have gotten married or divorced, had a baby or are expecting to, have moved or experienced big life changes, this can affect your estate plan.
Estate Planning for Blended Families
One of the greatest things about our country is that we have the freedom to define what family means to us. Some families consist of only one mother or father, others are the classic nuclear family, while still others contain step-parents and stepsiblings, half brothers or sisters, or even adopted members. If you have a large blended family, there are special considerations you should keep in mind when it comes to estate planning.
Remarrying With Children
The number of remarriages has been increasing over the last several decades. In 2013, 40 percent of unions included at least one spouse who had previously been married, and many of these unions involve children. One consideration for large or blended families to think about is how a person’s assets will be distributed in the event that he or she passes away. It is vitally important if you remarry that you change your primary beneficiary from your former spouse as soon as possible. Another common mistake happens when a parent names their new spouse as the primary beneficiary and names their biological children from another marriage as contingent beneficiaries expecting that they will all receive a portion of his or her estate upon death. What instead happens is that the primary beneficiary receives all the assets and becomes free to share or not share them with the children. One possible solution to this is to name multiple primary beneficiaries who each receive a percentage of your estate.
Spousal Support Simplified
When a married couple divorces, the court may award spousal support to one of the spouses. Spousal support is sometimes referred to as alimony or spousal maintenance. It refers to payments that one spouse makes to the other in order to help them financially post-divorce. Spousal support can be based on a court decision, a prenuptial agreement or a postnuptial agreement. Maintenance is not always awarded in Illinois. In some cases, both spouses are self-supporting so there is no need for financial assistance. Even if there is a substantial difference in income between the two spouses, courts may account for this difference by awarding more of the marital property to the lower-earning spouse.
Who Gets Spousal Support?
Illinois courts have wide discretion in determining if spousal support will be awarded or not, how much payments will be, and for how long payments will occur. The court must consider the following factors in making decisions about spousal support:
Can I File a Will Contest?
The reading of a deceased person’s will is often portrayed in movies and on television as a highly dramatic event. Usually, some conflict, plot point, or comic relief revolves around heirs being surprised about what they will be receiving as an inheritance. In some cases, the scene is meant to draw attention to someone being left out of the will. In real life, things are rarely so theatrical, though the feeling of being neglected or left out of a loved one’s will can be quite unpleasant and possibly offensive. Depending on the situation, such a person may wish to contest the will—especially if he or she believes that he or she was excluded by mistake or due to fraud of some kind.
Grounds of a Will Contest
If a loved one’s will left you with less of inheritance that you expected or none at all, contesting the will could be an option, but doing so is not likely to be easy. First, you must understand that a will contest must be based on legitimate grounds. A decision that you do not agree with is not enough. For a will contest to be successful, you will need to show that:
Dealing with School Struggles as a Divorced Parent
Many have said that being a parent is the hardest job in the world. It is nearly impossible to know how to respond to every challenge parenthood throws at you—especially when you are co-parenting your children with an ex-spouse. You may be unsure of how to work with your former partner in creating the best life possible for your children.
Problems at school present a variety of issues for many parents. Some children go through phases where they are getting in trouble or letting their grades drop, How should divorced parents deal with school issues such as these? There is unfortunately no owner’s manual for children and no one-size-fits-all way to raise them. However, following a few simple pieces of advice can help you and your ex-spouse come together to do what is best for your children.
Be Honest and Transparent With the Other Parent
Even if you are the primary guardian of the child, it is best to notify the other parent of school problems as soon as they arise. This helps both parents be on the same page and allows the other parent to hold the child accountable for his or her actions. Of course, if the other parent has a history of abuse or does not have any legal custody of the child, it may be best not to involve them.
What Does an Executor Do?
When someone asks you to be the executor of their last will and testament, you may feel both honored and also overwhelmed. What exactly does an executor do? Who can be an executor? Being an executor of someone’s will is a huge responsibility, but with some research and help, most are able to take on the challenge.
An Important Role
The overall job of an executor is to make sure a person's last wishes are granted with regards to the disposition of their property and possessions. He or she is responsible for paying the deceased's debts and creditors, and distributing any remaining money or property according to the deceased’s wishes. The law does not require an executor to be a lawyer or financial expert, however, it does require than an executor fulfill their duties with honesty and diligence. This responsibility is called "fiduciary duty," which means that the executor must act in good faith and in the best interests of the deceased person’s estate.
Why Do Women Usually Initiate Divorce?
Divorce can touch the lives of people of any race, gender, income level, or age. Some marriages that seemed doomed to failure from the beginning end up flourishing while other marriages that seemed like perfect matches end up dissolving. Researchers have known for years now that there are certain demographics of people who are statistically more likely to get divorced than others. For example, those who marry very young or wait until their late 30s or longer to marry are more likely to get divorced than those who get married in their 20s. It is also fairly well-known that women are more likely to initiate divorce than men are. For non-married couples, however, men and women are equally likely to end the relationship.
Women More Likely Than Men to Be Unhappy in Their Marriage
A survey conducted by the American Sociological Association found that in heterosexual couples, women start the divorce process or first seek a divorce 70 percent of the time. The study’s lead author, Michael Rosenfeld, theorizes that women may be more likely to initiate divorces because they are more likely to be dissatisfied with the quality of the relationship than men are. Rosenfeld said that these results support the idea that some women experience heterosexual marriage as oppressive or unfulfilling. He explains further, “I think that marriage as an institution has been a little bit slow to catch up with expectations for gender equality. Wives still take their husbands’ surnames…husbands still expect their wives to do the bulk of the housework and the bulk of the childcare.”
Keep Your Living Will Up to Date
The Illinois Living Will Act states that every citizen has the basic right to control decisions about his or her health care. Unfortunately, however, there may come a point in a person’s life where he or she is not able to make such decisions on the spot. Advance medical directives, including living wills, can be used to document a person’s wishes regarding certain types of medical care in certain situations, removing the burden of making such decisions from family members and loved ones.
Those who advocate for living wills say that such instruments are crucial in protecting a patient’s rights. Living wills, in particular, address which types of death-delaying procedures the patient wishes to receive—or not receive—if he or she is ever diagnosed with a terminal condition and is unable to communicate his or her wishes at the time. A terminal condition is one that is incurable and will ultimately result in the patient’s death. Death delaying procedures are defined as treatments that will only serve to postpone the moment of death and commonly include:
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