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My mom got a prearranged funeral when she was widowed and had to sell the family home, and I did it when I was widowed at about the same age and got a life insurance payout. I also, when I sold my home, started paying for long term health care insurance so my kids won't have to help finance my care and my daughter won't have to drive 300 miles to make sure I have the care. Hopefully husband and I will be able to help each other get the care when needed. He also has that insurance. I can't tell you the peace of mind it gives us! I have a son who lives near and my kids are all my hubby has too, but thankfully they both love him and would help him all they could, within reason, should I die first.
I wonder about people who do NOTHING, as they see later years approaching and don't have some plan in place. Makes me think they didn't think much of themselves, and certainly no concern for those who would have to deal with their death when it happens. But I have sympathy for people with no family or caring friends, unless it is their choice to die that way. Life is like a maze, you see something puzzling at every turn.
I have never heard of the first $100,000. being waive without a Will. An asset, is an asset, is an asset. Even dispersering ones personal belongings should be addressed.
It is Federal Law that Social Security benefits, SSI payments, cannot be garnished by any creditor. If an overpayment of benefits, child support, owe federal taxes (15% can be taken) or federal student loan or agency they can attach funds over $750.00. If government check is deposited in an account that other funds are deposited in then that account could be seized. Keep the accounts separate.
If a person receives monies from Medicaid that state has a right to recoup their money after the person dies. It's only fair. I often hear, let the state pay for their nursing home care, well you and I are paying for that care to a tune of about $8,000.00 or more a month per person.
The trend now is to keep people out of the nursing homes and in the community where individuals are happier and it's cheaper. All part of the Affordable Health Care Act-Community First Choice (persons with disabilities) & Community Option (Long term care).
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