WEBVTT - Cliff Notes: Information for Beneficiaries

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<v Speaker 1>There's nothing more satisfying than finding the perfect green paint

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<v Speaker 1>for your living room, except maybe popping open that can

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<v Speaker 1>a Valspar Ultra and rolling that first smooth stroke on

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<v Speaker 1>the wall. And there's nothing more satisfying than admiring your

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<v Speaker 1>freshly painted wall, except maybe peeling off the painter's tape

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<v Speaker 1>to see those crisp edges. But the most satisfying part

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<v Speaker 1>of all Valspar Ultras price tag starting at twenty nine

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<v Speaker 1>Price varies by shame.

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<v Speaker 2>Why do you want to notify the government?

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<v Speaker 3>Because if someone was receiving something like social Security payments

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<v Speaker 3>or annuity payments, and those things continue to come into

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<v Speaker 3>the account, and say, you know, after you go through

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<v Speaker 3>the court system whatever, and you get access to the account,

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<v Speaker 3>and you know they're going to find out. They're going

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<v Speaker 3>to catch up and realize this person died at this

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<v Speaker 3>time and those funds will have to be paid back,

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<v Speaker 3>so that social Security annuity payments, retirement payment and stimulus payments,

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<v Speaker 3>so people had to pay back, you know, stimulus money

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<v Speaker 3>if you continue to collect that, because they may not

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<v Speaker 3>find out right away, but they will find out and

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<v Speaker 3>it will have to be paid back if someone you

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<v Speaker 3>know cashed it or took that money or used that money.

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<v Speaker 3>So those are the things that you want to do.

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<v Speaker 3>Then finally, insurance, if you can get a hold of

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<v Speaker 3>the insurance policies on that the person had. All you

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<v Speaker 3>need is really a death certificate and ID if you

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<v Speaker 3>are the beneficiary, and you'll be able to, you know,

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<v Speaker 3>fill out whatever paperwork the insurance company sends you. Hand

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<v Speaker 3>in that death certificate and they literally will just cut

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<v Speaker 3>you a check.

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<v Speaker 2>That's how easy it is. So hopefully it's a legit

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<v Speaker 2>insurance company.

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<v Speaker 3>The insurance company is still in place, and they will

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<v Speaker 3>you know, cut a check. And that's usually important if

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<v Speaker 3>you need to.

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<v Speaker 2>Pay for burial and things like that.

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<v Speaker 3>Sometimes families are relying on that, so you want to

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<v Speaker 3>make sure that you do that. And some other things

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<v Speaker 3>like if someone owns a home, you don't want the

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<v Speaker 3>homeowner's insurance to lapse on the property, so you want

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<v Speaker 3>to make sure that you update that information. You want

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<v Speaker 3>to let the insurance company know that they pass away

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<v Speaker 3>and that you know you're in the process of you know,

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<v Speaker 3>taking over the estate or getting a hold of the estate,

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<v Speaker 3>so that they don't you know, stop that insurance. And

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<v Speaker 3>typically if there's a mortgage, they'll continue to the mortgage company.

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<v Speaker 3>You will continue to pay it because they want that

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<v Speaker 3>insurance to be on the property because they have their lean.

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<v Speaker 3>But if not, if there isn't a mortgage, you definitely

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<v Speaker 3>want to make sure that insurance is continued. All right,

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<v Speaker 3>So what are sort of the next steps? So then

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<v Speaker 3>you're going to go through the mail, right Obviously you're

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<v Speaker 3>going to look for bank accounts because bank statements will

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<v Speaker 3>tell you a lot of what's going on in that

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<v Speaker 3>person's life.

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<v Speaker 2>So you'll know, you.

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<v Speaker 3>Know what they what bills they're paying, you'll know what

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<v Speaker 3>money is coming into the account.

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<v Speaker 2>And so you could start to sort.

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<v Speaker 3>Of create a map or a listing of like where

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<v Speaker 3>are their assets?

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<v Speaker 2>Where can we find these assets?

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<v Speaker 3>So, like finding a bank statement is golden if they

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<v Speaker 3>I know, a lot of times everybody does things like electronically,

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<v Speaker 3>what do you want to make statements come into their

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<v Speaker 3>house anymore?

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<v Speaker 2>So email is going to be golden.

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<v Speaker 3>It'll be really hard to get that password if you know,

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<v Speaker 3>if you don't know anybody who actually knows it. So

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<v Speaker 3>this is another piece of information that's important to sort

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<v Speaker 3>of share or have a list somewhere where someone can

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<v Speaker 3>get access to this information, because then it'll make it

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<v Speaker 3>so much easier for people. But anyways, if you are

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<v Speaker 3>going through the mail, you find bank statements, you find

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<v Speaker 3>you may be able to find insurance because insurance companies

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<v Speaker 3>don't send mail every single month, but you might be

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<v Speaker 3>able to find that. If you can find employer information,

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<v Speaker 3>that would be great because the company who will likely

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<v Speaker 3>know at least what retirement they have, what you know

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<v Speaker 3>insurance they might have, that will be helpful for the

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<v Speaker 3>family to sort of use or give you a start

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<v Speaker 3>for that. So this is kind of like what the

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<v Speaker 3>real deal is how it actually goes down when when

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<v Speaker 3>there's no information, and then if you if there's a phone,

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<v Speaker 3>you can actually go through the phone. So I had

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<v Speaker 3>really found out recently that Apple has this new legacy

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<v Speaker 3>contact within the phone.

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<v Speaker 2>So if your Apple.

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<v Speaker 3>User, sorry Android, but I mean I'm sure they'll catch

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<v Speaker 3>up with something soon.

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<v Speaker 2>If you go to.

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<v Speaker 3>Your Apple ID and go to passwords and security and

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<v Speaker 3>you scroll all the way to the bottom, there's a

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<v Speaker 3>legacy contact so you can actually put your loved one.

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<v Speaker 3>And so whoever you want, like I put my husband

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<v Speaker 3>and my daughter as my legacy contact, and it allows

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<v Speaker 3>you to send them a QR code. So with that

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<v Speaker 3>QR code and a depth certificate so they can't just

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<v Speaker 3>get into your phone. Also with that QR code and

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<v Speaker 3>death certificate, they will be able to get access to

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<v Speaker 3>your information. So they'll get your phone, they'll get your

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<v Speaker 3>your photos, you know all that stuff. There's like a

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<v Speaker 3>few things they don't get, but important stuff they will get.

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<v Speaker 3>So you can kind of leave information in there in

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<v Speaker 3>your phone to allow someone to get that information and

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<v Speaker 3>vice versa. You could talk to your spouse and your

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<v Speaker 3>loved one with your parents and stuff like that and

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<v Speaker 3>set that up so that you'll be able to sort

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<v Speaker 3>of get information when you need it.

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<v Speaker 2>And it's good because you can't get it now, but

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<v Speaker 2>you'll get it when you need it. Right. The other

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<v Speaker 2>thing you.

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<v Speaker 3>Want to do is find deeds, if you can find

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<v Speaker 3>any deeds to property so you kind of know what exists.

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<v Speaker 3>And typically a deed will always like have some language

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<v Speaker 3>at the very top that identifies it as a deed,

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<v Speaker 3>and that way you'll know because every different states it

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<v Speaker 3>looks different, and that way you'll know what it is

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<v Speaker 3>and you'll be able to you know, start to collect

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<v Speaker 3>that information. So you're sort of collecting information so that

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<v Speaker 3>you kind of know what the state is and you

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<v Speaker 3>know what to do with that. Next, you want to

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<v Speaker 3>cancel what's not needed, right, so you don't want bills

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<v Speaker 3>to continue to pile up up. So if there's something

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<v Speaker 3>like you know, obviously Netflix or cable or if anybody

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<v Speaker 3>still has cable or subscriptions, you know, you just want

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<v Speaker 3>to minimize that ongoing debt. Whatever it is that's not needed,

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<v Speaker 3>you could just go ahead and cancel that, and then

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<v Speaker 3>you may want to talk to an a state attorney.

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<v Speaker 3>So it depends on how large asset is, how much

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<v Speaker 3>time you have or the or anybody or the person

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<v Speaker 3>has on their hands to actually deal with this, and

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<v Speaker 3>a state attorney basically will help you through this process

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<v Speaker 3>and will follow all the necessary paperwork in court to

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<v Speaker 3>help get the a state handed over. Now, this is

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<v Speaker 3>if you if the person passed away without a will

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<v Speaker 3>or with only a will, because wills also do have

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<v Speaker 3>to go through the court system, which if you probably

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<v Speaker 3>you may have heard me say that before.

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<v Speaker 2>So that's the next step.

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<v Speaker 3>So once a court case is open, you know what

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<v Speaker 3>happens is paperwork has to be filed. All the information

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<v Speaker 3>that I'm like telling you now need to be gathered.

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<v Speaker 3>Paperwork has to be fouled. Typically we need to know

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<v Speaker 3>how large the estate is because that's going to depend

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<v Speaker 3>on how the paperwork is going to be abould And

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<v Speaker 3>then once all that stuff happens, I won't bore you

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<v Speaker 3>with all those steps, but you get what's called letters.

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<v Speaker 3>So it's either going to be letters testamentary if there

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<v Speaker 3>was a will, or letters of administration if there was

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<v Speaker 3>no will, and then that person who is appointed will

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<v Speaker 3>be able to now go set up the estate. So

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<v Speaker 3>what is setting up the estate? So you would have

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<v Speaker 3>to get an EI in number for the estate. You

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<v Speaker 3>would have to open up a bank account so that

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<v Speaker 3>whatever accounts that the person had or whatever cash, et cetera,

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<v Speaker 3>that could be then transferred to that account and you can,

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<v Speaker 3>you know, handle whatever needs to be handled from there.

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<v Speaker 3>And then the next thing you want to do is

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<v Speaker 3>potentially close accounts. But you don't want to close accounts

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<v Speaker 3>too early because you want to make sure you can

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<v Speaker 3>get as much information from those bank accounts as possible. So,

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<v Speaker 3>like I said, any deposits, any withdrawals, things like that,

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<v Speaker 3>will be helpful. And then it's like if like certain

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<v Speaker 3>payments are coming in that would pay for the mortgage

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<v Speaker 3>and things like that, maybe you don't want to stop those.

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<v Speaker 2>It depends on what it is.

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<v Speaker 3>Like I said, if it's from the government, you probably

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<v Speaker 3>have to stop them, but if not, then maybe you

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<v Speaker 3>want that to continue. And then you know, set up

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<v Speaker 3>the estate, access the accounts to be able to get

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<v Speaker 3>all the assets out.

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<v Speaker 2>So now, one thing I wanted to point out.

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<v Speaker 3>I don't know if a lot of people still have

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<v Speaker 3>safe deposit box these days or if not, But if

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<v Speaker 3>there is a safe safe deposit box, you can only

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<v Speaker 3>access it to.

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<v Speaker 2>Get the will.

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<v Speaker 3>And then if you once you have the will, then

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<v Speaker 3>you have to wait for the whole estate to be

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<v Speaker 3>you know, you have to wait for these letters to

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<v Speaker 3>be issued and then you will have access to whatever

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<v Speaker 3>else is in that safe the positive box.

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<v Speaker 6>all you need