Muzviitiko zvakawanda, mhinduro yacho kwete. Kusiyanisa kunogona kuvepo, zvakadai sokunge uri iwe wekugara naye uye iwe unogara munharaunda yenharaunda, asi kune vazhinji, vagari venhaka havagoni kugara nhaka yechikwereti.
Saka, ndiani ane kodzero yokubhadhara iyi yose yemitemo uye mune zvakadini? Izvo zvinoenderana nokuti nzvimbo ye decedent is solvent or insolvent.
Chii Chinonzi Solvent Estate?
A solvent estate ndiyo imwe iyo iyo yakasara yakasiya zvakakwana zvinhu uye mari kubhadhara chikwereti chake mushure mekufa kwake. Kana kukosha kwezvinhu zvose zvaaiva nazvo kuwedzerwa, kusanganisira mari mubhengi rebhangi, uchaona kana chikamu chiri kupfuura chikwereti chaainge aine chikwereti. Kana iyo dzimba isingagadziriswi, muurayi kana munhu anomiririra akasarudzwa kuti atarisire zvaanoita achabhadhara mabhiriro ake kubva mune mari yeimba, kuvhara zvinhu kana zvichidiwa.
Iko kuenzanisa kunosanganisira zvinhu zvakasikwa zviri mune zita rake roga uye izvo zvinosanganisira probate yake. Nhaka dzisingatombofaniri kupfurikidza nehuwandu hwekuendesa kune avo vanowana zvikwereti hazvibatanidzi, dzakadai sekubhadhara mari, mabhengi emabhengi, kana zvivako zvinopfuurira zvakananga kumubatsiri nekushanda kwemutemo.
Kana kukosha kwezvinhu zvose zvakasvibiswa zvinowedzera kusvika ku $ 100 000 uye zvikwereti zvake zvakaenzana ne $ 50,000, imba yake inonzi inosarudzwa. Mumiririri wega wega anogona kubhadhara zvikwereti zvake zvakakwana. Zvakasara-munyaya iyi, $ 50,000-inoenda kune avo vanobatsirwa vanodanwa muvakasununguka vanobatsirwa kana aine hurongwa hwemigodhi yakadai sekupedzisira nekuda.
Kana zvisina kudaro, iyo yaizoenda kune vagari venhaka-vara-vake , vanhu vari pedyo zvikuru naye kuti vanogara nhaka yehurumende mutemo mukusavapo kwerongwa hwemigodhi.
Chii Chinonzi Insolvent Estate?
An insolvent pfuma ndiyo imwe isina mari yakakwana yekubhadhara zvose zvidhete zvinyorwa. Apo kukosha kweimba yake ye probate kunotarisirwa, huwandu hwakaenzana kana huri pasi pematambudziko aakwereta.
Apo imwe imba inosungirirwa, mutungamiri wega wega anofanira kutanga kutora mari yekubhadhara kwemadhora emutemo maererano nemutemo wehurumende nemitemo yehurumende kwaakafira. Kana pfuma yake yakaenzana ne $ 100,000 asi kadhi rake rechikwereti uye mishonga yezvechiremba inowedzera kusvika $ 150 000, iyo yakafa yemuridzi inoshandiswa mumari ye $ 50,000 uye mumwe munhu haazombobhadhari.
State uye federal mitemo inorayira kuti vane chikwereti vanofanirwa kubhadharwa zvakakwana, izvo zvichabhadharwa chete kubhadhara chikwereti, uye izvo zvisingamboiti zvachose. Mune dzimwe nyika, dzakadai seFlorida, zvikwereti zvemishonga zvinotanga kuitika kana zvikabatwa mukati meimwe nguva yenguva kubva pazuva rakasununguka rekufa, kazhinji mazuva makumi matanhatu. Mumiririri wega aifanira kubhadhara chikwereti ichi chokutanga, uye vateresi vakadai sekwereti yekwereti yekwereti vaizofanira kugoverana mumari ipi yakasara.
Zvinosuruvarisa, avo vakagadziriswa vatsigiri kana vashandi-varairi vake havawanzogashiri chinhu kana iyo inzvimbo isingabvumirwi, asiwo haasi ivo vane mhosva yekubhadhara chikamu chemadhora asina kubhadharwa. Makambani asina kubhadharwa zvakakwana kazhinji anofanira kunyora madhora avo akaipa-pamwe chete pamwe chete nemisha yekuchengetedza uye zvipatara kune dzimwe nyika. Mimwe mitemo inobvumira masangano aya kutsvaka vana vakuru kune mamwe emabhadharo avo ekubhadharwa kwevabereki vasina kubhadhara kana iyo nzvimbo isingagoni kuvadzikidza.
Kana Iwe Wakabatanidzwa paDhadharo
Zvechokwadi, pane zvakasiyana nemitemo yose, uye mamiriro acho ezvinhu anochinja nematokari asina kutorwa muzita rakarongedzwa chete. Kana iwe ukasayina pamwe naye pane kadhi rechikwereti kana kuti chikwereti chemotokari, chikwereti ichi hachibvumi nerufu rwake kunyange kana imba yake isingabhadharwi.
Uyewo haasi iyo inosungirwa kubhadhara kana ichinyatsogadzirisa.
Muchiitiko ichi, mutemo wevatengi unotora mutemo weimba. Uyo anokweretesa ane mumwe munhu anobvumirana pachikwereti chemari iyi, uye zvachose mukati mekodzero dzayo yekutevera mwanakomana yese yebhadharo risina kubhadharwa, sezvazvingava kudai kudai akararama asi asina kutora chikwereti panzvimbo.
Zvikwereti zvemuchato munharaunda yemunharaunda States
Zvikwereti zvinotorwa nemumwe mukadzi mumunharaunda yenharaunda yehurumende zvinonzi zvinokweretwa zvakaenzana navose vari vaviri, kunyange kana mumwe chete akaroorana nokuda kwechikwereti. Vanokweretwa zvakakwana ne "nharaunda" yewanano, kwete nemumwe nemumwe wavo, saka mukadzi anenge achiri mupenyu anogona kuramba ari mutoro nokuda kwezvikwereti izvi.
"Inogona" ndiro izwi rinokosha. Mitemo iyi inogona kunge yakanyanya kuoma uye inogona kusiyanisa zvakasiyana pakati pemunharaunda yenzvimbo inoti: California, Texas, Nevada, New Mexico, Arizona, Louisiana, Wisconsin, Idaho, uye Washington kusvika muna 2018. Kana uchigara kune rimwe remitemo iyi nemumwe wako wafa, taura ne gweta kuti uve nechokwadi chokuti unonzwisisa kodzero dzako nemabasa ako. Mamwe ematunhu aya haafungi kuti zvikwereti zvezvechiremba zvinokweretwa nemhuri, asi vamwe vanoita.
Muzviitiko zvakawanda, iwe uchava nechepamusoro kune chikamu chimwe chezvikwereti zvekadhi rechikwereti, zvisinei, pasinei nokuti vari mumazita ekubatana kana muzita remumwe wako.
Kana iyo Decedent Yakagamuchira Medicaid
Kana iyo yakagadzikana iri kugamuchira Medicaid inobatsira, hurumende inowanzova nekodzero yekutsvaga kubhadharwa kwezvikomborero kunyange apo iyo decedent inobva kune imwe nzvimbo inoshandiswa. Izvi zvinokonzerwa nekukanda zvikwereti izvi kumberi kwenzira yekubhadhara mune insolvent estate, kunyange zvazvo nyika isingakwanisi kutevera hama yekubhadhara kana kuedza kuunganidza kana iyo yakasara ichisiyira mudzimai anenge achiri mupenyu achiri mupenyu.
Mitemo medicaid inogona kuva yakaoma zvikuru, uye inogonawo kusiyana kubva kune imwe nyika kuenda kune imwe nyika. Kana mubereki wako aive achiwana zvikomborero izvi, iwe unoda kutaura neine gweta kuti uone kuti iwe unomira kupi.