Sentences with phrase «include death of a spouse»

These can include the death of spouse, a disability, or a chronic illness.

Not exact matches

Lots of little gems in this book, including the fact that a spouse must be married at least nine months before being eligible for survivor benefits (unless the death is ruled «accidental» by a faceless panel of S.S. bureaucrats).

As a surviving spouse, you can take ownership of the annuity, including any riders and death benefits within 1 year of your spouse's death.

One such spouse was Julie Metz, who discovered after her husband's sudden death that he was involved with five women, including a «good» friend of hers.

There are over ten million single mothers in the United States, who have experienced a heavy load of disappointing life experiences; including failed marriages, a spouse's death, the difficult responsibility of raising today's teens, a wide array of health issues....

«Your child's primary relationship with his / her father can affect all of your child's relationships from birth to death, including those with friends, lovers, and spouses.

Protecting Consumers Utilizing Reverse Mortgages: Often utilized by seniors, protections include settlement conferences in cases where the default was triggered by the death of the last surviving borrower and allowing the last surviving borrower's spouse or successor who has a claim to ownership to engage in settlement conference.

An extraordinary life event may include, but is not limited to catastrophic illness or injury; death of a spouse, child, or parent; temporary loss of employment; divorce; identity theft; or military deployment overseas.

If you're under 65 years of age, eligible pension income includes lifetime annuity payments under an RPP and certain other payments received as a result of the death of your spouse or common - law partner.

He also used his remarks to discuss the recent improvements to the reverse mortgage, which his department oversees — including Financial Assessment to ensure that borrowers can meet their responsibilities under these loans, and clarifications to rules that allow spouses to remain in the home even after the death of the borrower.

not to disclaim property at the death of their spouse, it's an easy provision to include in your will — just in case.

Discharge applies to catastrophic situations, including death, total and permanent disability, the closing of a school, bankruptcy, disaster situations (such as the surviving spouses of people killed in the 9/11 terrorist attack), fraud or severe physical and mental impairments.

Other benefits include accidental death, which provides benefits when death occurs as a result of an accident, family plan for insured spouse and children, disability waiver of premium, which waives the premium payments if the insured becomes disabled for more than 6 months and mortgage payment disability benefit which offers money to continue making payments if the insured individuals becomes disabled for 60 days or longer.

If the HSA passes to a person other than the spouse, the HSA terminates as of the date of death, and the person is required to include in gross income the assets of the HSA at the date of death.

The exceptions include spouses living apart due a marriage breakdown and the death of the contributor in the year a withdrawal is made.

Bonus: LastPass includes a dead - man switch, so when I die (or if I'm incapacitated), my spouse can get access to all of my online accounts, helping avoid digital death problems (especially where state statutes follow UFADAA).

A separation agreement can encompass as much or as little as the parties agree to, but the various possibilities include an agreement that the parties are separating by consent and a defining of each party's respective rights as to the division of their assets and liabilities, as well as in the event of a spouse's death.

These damages can include compensation for the emotional loss the victim's death has caused the family, such as loss of companionship that a spouse suffers or loss of parental guidance that young children suffer.

A second group of claimants, which includes the putative spouse and his or her children, stepchildren, and parents of the decedent, may file a wrongful death claim only if they were dependents of the decedent at the time of his or her death.

In Idaho, the parties who can usually file wrongful death claims include the personal representative of the deceased person's estate, lawful heirs, or family members such as the spouse, children, stepchildren, or parents.

A wrongful death claim typically belongs to a surviving spouse or minor children or a deceased person's heirs if there is no surviving spouse nor minor children, and it enables them to recover for future benefits including lost wages, medical and funeral expenses, loss of comfort, society and companionship, emotional distress and in rare instances, punitive damages.

d, «testamentary substitutes... which include gifts causa mortis or within one year of death, Totten trusts, joint accounts, revocable transfers, or transfers with a retained income interest, many retirement accounts and property owned by a decedent and payable on his death to someone other than the surviving spouse for his estate.»

As the article notes, in Part V of the FLA, entitled «Dependant's claim for damages,» s. 61 (1) gives a spouse, including common law spouses, children, grandchildren, parents, grandparents, brothers and sisters of a person injured or killed by the fault or neglect of another the entitlement to recover their pecuniary loss resulting from the injury or death.

In the event of an offshore injury that results in a death, various laws apply and various individuals have a right to make a claim including a person's spouse, children, parents and estate.

The damages available in a wrongful death lawsuit often include funeral expenses, medical expenses, loss of companionship, loss of earnings that would have been contributed to the household, pain and suffering experienced by the decedent before death, and mental anguish caused because of the loss of the child, parent, or spouse.

Smart Woman offers benefits at the critical life stage of life that includes pregnancy complications of birth of child with congenital disorder, diagnosis of malignant cancer of female organs and death of the spouse.

Life events listed include losing coverage under your spouse's plan or parent's plan due to death, divorce, loss of job by spouse or parent, reduction of work hours and moving out of the area served by your HMO.

Insurers that use credit information must take into account the effect on a consumer's credit of any «extraordinary life circumstance,» including: an acute or chronic medical condition, illness, injury or disease; divorce; the death of a spouse, child, or parent; involuntary loss of employment for more than three consecutive months; identity theft; loss that makes a home uninhabitable; and other circumstances prescribed by the New Mexico Insurance Division.

Couples buy life insurance for a variety of reasons, including covering existing and anticipated debts and financial obligations as well as providing an income and / or inheritance for dependents in the event of the death of one or both of the spouses or partners.

Regardless of whether an annuity owner's beneficiary is a spouse or non-spouse, upon his death the entire account value is included in calculating estate tax liability.

Renewal Provision Spouse and Children's Insurance Rider Withdrawal Provision Accidental Death or Double Indemnity Rider Waiver of Premium Rider Family Income Benefit Rider Renewal Provision (a.k.a. Guaranteed Insurability Rider) When included in your life insurance policy, this provision guarantees the policy's renewability at the end of its term.

There are a multitude of things that a life insurance death benefit can cover including funeral and burial expenses, outstanding debt life mortgage payments, income replacement for your spouse when you are no longer here, and your children's educational future.

If you and your spouse decided to take advantage of the great interest rates by taking out a loan for a house, your death benefit should include the remainder of the mortgage as well as any other debt in your name.

This is a good insurance plan for women as it covers important life changing events in a woman's life, which include the birth of a child, death of the spouse or even critical life threatening diseases.

Failing the spouse, the insured member's surviving children including step - children, adopted or foster children and children born less than 300 days from the date of the insured member's death, in equal shares among them.

Further, riders are available for the policies that include accelerated or living death benefits, spouse protection, child protection, and the waiver of the policy's premium.

Hello I would like to share my master plan of new जीवन anand policy My age is 30 I have purchased 7 policies of 1 lac sum assured and each maturity year term 26 to 32 I purchased in 2017 Along with I have purchased 3 policies of same jivananad of 11lac each Maturity year term 33,34,35 Now what will I have to pay is rs, 130000 premium per year means 370rs per day At age of 55 in year 2047 I will start getting return, of, 3lac maturity per year till 2054 For 7policies of i lac I buyed for safety of paying next 10 years premium of 130000 As year by year my liability goes on decreasing and at the age of 62 to 65 I get my major part of maturity amount around 16000000 one crore sixty lac Along with 4000000 sum assured continued for rest of life So from above example it is true that you can make money to make money for you You can enjoy a large sum by just paying 370 per day and you will feel you have earned 19000000 / 35 years = 1500 per day And assume if I die after 5 years then in this case also my spouse will get 7500000 as death claim against 650000 paid premium Whats bad in this A asset is getting created for you It is a property of 2 crores which you are buying for 35 year installment If you make fd of 2000000 Lacs against this policy u will get 135000 interest per year to pay for 35 years If u buy a flat for 20 lack in 2017 there is no scope of valuation of Flat will be 2 crores But as I described you are creating a class asset for your beloved easily just investing 10500 per year for 35 years And too buy a term of 50 Lacs with it And rest you earn deposit in ppf Keep in mind if you will survive then only ppf will create corpus for you but in lic your family is insured to a higher extent till 1 crore with term including And its sufficient if you are earning 100000per Month no problem for investing of 10 % in New जीवन anand with rest 90 % you go with ppf, mutual funds, equity, gold, lottery, real estate any thing but keep 10 % for new jeewan anand it's a class if you understand it properly and after all if you rely only on term there are more chances of rejecting claims as one thing is sure cheap things just come under warranty but lic brand is guaranteed because in case of demise if your nominee doesn't get claim then your all hardwork is going to be waste so think and invest take long term and bigger sum assured for least premium You can assign your policy for taking flat or property it is a legal asset of you But term never.

The SSA does, however, accept same - sex marriages for all purposes, including the eligibility of a surviving same - sex spouse for death and survivor benefits.

A Term life death benefit can help provide money for any purpose, including the repayment of a debt or mortgage, the need to provide for your family's living expenses, or the need to save for college for your children, or for your spouse's retirement.

Payment will continue at the current rate (including the increase for the deceased qualified adult) for a period of 6 weeks following the death of the qualified adult, provided the surviving spouse, civil partner or cohabitant is in receipt of one of the payments listed at 1 above.

Other provisions in a states homestead exemption may also protect the value of the owner - occupants» homes from certain creditors (not including mortgage creditors or tax liens), and circumstances arising from the death of the owner - occupant's spouse.

-- including a lien on the stock of a cooperative housing corporation (a «co-op»)-- no lender can enforce its due - on - sale clause due to any of the following prevalent circumstances: (1) The creation of a lien (or other encumbrance subordinate to the lender's security instrument) that does not relate to a transfer of rights of occupancy in the property; (2) The creation of a purchase money security interest for household appliances; (3) A transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety; (4) The granting of a leasehold interest of three years or less * not containing an option to purchase (5) A transfer to a relative resulting from the death of a borrower; (6) A transfer where the spouse or children of the borrower would become owners of the property; (7) A transfer resulting from a decree of dissolution of marriage, legal separation agreement, or from an incidental property settlement agreement, by which the spouse of the borrower becomes an owner of the property (8) A transfer of the borrower's property into an inter vivos trust in which the borrower is and remains a beneficiary and which [trust agreement] does not relate to a transfer of rights of occupancy in the property; or (9) Any other transfer or disposition described in regulations prescribed by the Federal Home Loan Bank Board.

If you're tempted to exclude somebody younger to get a higher payout, be very careful because a younger spouse would have to move out at the death of an older borrower if the younger person is not included in the loan.