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PSA: Dying intestate is a P.I.T.A.- take care of your “final arrangements”.
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<blockquote data-quote="MGibster" data-source="post: 8924233" data-attributes="member: 4534"><p>I'm going to piggy back on the PSA and talk about life insurance. For new employee orientation, I talk to our new hires about their options for additional life and accidental death & dismemberment insurance. As an employee, they're all automatically enrolled in a basic life and an AD&D plan that covers them at twice their base salary at no charge to them. But they have have an option for voluntary group term life inusrance and AD&D for additional coverage. </p><p></p><p>A lot of younger people think, "Well, the basic life that cost me nothing and covers me at $110,000, that's plenty." Maybe if you're single, but it's not enough if you have a family. That $110,000 might cover your family for the short term but you've got to consider where they're going to be 3, 5, or even 7 years after you're gone. Do they have a place to live? Are your children's educational needs being met? What about their basic needs? Consider getting a decent life insurance policy based on the needs of your family without you in the picture. </p><p></p><p>Oh, and take care of your estate planning. It's a pain the ass for your loved ones having to deal with your loss in addition to trying to figure out what to do with your property. Nobody in my family is going to want my Warhammer 40k collection or my RPG books, unless my nieces turn out to be huge nerds, and I should really plan for that.</p></blockquote><p></p>
[QUOTE="MGibster, post: 8924233, member: 4534"] I'm going to piggy back on the PSA and talk about life insurance. For new employee orientation, I talk to our new hires about their options for additional life and accidental death & dismemberment insurance. As an employee, they're all automatically enrolled in a basic life and an AD&D plan that covers them at twice their base salary at no charge to them. But they have have an option for voluntary group term life inusrance and AD&D for additional coverage. A lot of younger people think, "Well, the basic life that cost me nothing and covers me at $110,000, that's plenty." Maybe if you're single, but it's not enough if you have a family. That $110,000 might cover your family for the short term but you've got to consider where they're going to be 3, 5, or even 7 years after you're gone. Do they have a place to live? Are your children's educational needs being met? What about their basic needs? Consider getting a decent life insurance policy based on the needs of your family without you in the picture. Oh, and take care of your estate planning. It's a pain the ass for your loved ones having to deal with your loss in addition to trying to figure out what to do with your property. Nobody in my family is going to want my Warhammer 40k collection or my RPG books, unless my nieces turn out to be huge nerds, and I should really plan for that. [/QUOTE]
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PSA: Dying intestate is a P.I.T.A.- take care of your “final arrangements”.
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