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If I prepare an Advance Directive (Durable Power of Attorney and Living Will) for medical care, do I need a separate Advance Directive for mental health care?It is very useful to have an Psychiatric Advance Directive. A psychiatric advance directive (PAD) is a legal plan that allows a person to specify important information for caregivers in the event of a mental health crisis. The PAD can provide valuable information for providers to reference and follow during that difficult time. The link above points to a place where you can get a form for the Advance Directive that will work in New Jersey.This is different from a health care power of attorney, because it lays out specifics about your psychiatric care if you should be incapacitated. These things include saying which drugs you respond best to; which psychiatrist you want to care for you; and even which hospital you should be taken to, if possible. In addition, you can appoint someone who has the power to make mental health decisions on your behalf.
If wills, living wills and healthcare powers of attorney were readily available to you, would you acquire them for yourself and your adult family members?So anon for this one.Absolutely.I am currently dealing with a situation where one parent was remarried but separated. The separation split their assets (evenly and fairly) in a document and stripped everything from the step-parent as far as inheritance, life insurance, etc as they had not signNowed the time requirement to sign a full divorce. I could not find my parents updated will (I know the step-parent has it but does not want to reveal it. It is destroyed and the documents for lawyer contacts were also magically missing. They also applied for life insurance policies without mentioning the separation and providing that document. I know there is another will because I discussed it with my parent before they passed) and since it is absent the step parent is trying to steal everything so they can support their drug addicted child (reason they separated and were headed for divorce was money started going missing from their joint checking account). I hope it works out and when it goes to court, the judge does the right thing but….Basically: Get your family members wills, or at least know where it is or who drafted them (lawyers normally keep a copy). Talk with your family about what they want to happen when they pass. This is from inheritance, assets, to simple “how should the funeral go?” kind of stuff. Also, let your family know what you want as well. Create the documents. Make sure you have beneficiaries set up on every single account you own. If you don’t set up beneficiaries then it defaults to whatever the bank or company has and that is not always who it should go to (like a separated spouse instead of the child… yeah, I am bitter)
How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.
How is Morocco to live in for Indians (especially Rabat)? How is crime, health care, and the transport situation? What about the cost of living?Moroccans in general, have a positive view of India and Indians. We know India mainly through Bollywood movies which have a large fan base in the country. I don't believe you will be discriminated against due to your culture or ethnicity. However, you should know that many of us are very talkative and eager to engage strangers, and sometimes in a very blunt way (especially taxi drivers lol) so we may come off as culturally insensitive, but be assured it's not out of malice.Now, let's discuss the practical matters. Rabat is a safe city overall (except few neighborhoods). If you have an income of about 700 euros a month or so, you will find everything to be cheap, especially food. If you don't mind renting a small apartment. You could totally live off 500 euros a month. When it comes to transportation, it all depends on where you want to go. There is a tramway network that can take you to most of the important places in Rabat ( universities, government buildings etc), there is also taxis, that are abundant and relatively cheap, however they won't drive you anywhere you want. Just one thing: Avoid buses, they are always crowded, straight out of the 80s and in some cases unsafe. When it comes to healthcare, unfortunately my country sucks at this. We have hospitals running over their maximum capacity with wait times that are unbearable, you might want to look for a private hospital to go to, should you have any health problem: they are way better than the government hospitals, and the doctors there are top notch.I hope you will like Morocco, and I wish you a pleasant stay !
If a person with only a small amount of money dies without a will but having given someone power of attorney and a list of his wishes, is it legal for the person to carry out the deceased wishes?In legal terms, a Power of Attorney is only valid whilst the person who granted it is alive. An attorney is a representative of a “donor”, with no donor, there can be no attorney.I assume that you are asking the question because you are concerned about your ability to access funds in a bank account that the deceased left behind. Well, it depends on what you mean by a “small amount”.I believe the official limit is £5,000, ie. below that figure, banks will release funds without probate, but some banks may go higher. Each one will have its own process and forms to fill in.Even then I don’t see how they could release funds to anyone other than a named executor (if there’s a will) or the next of kin (if there isn’t), so if you’re not either of those then the mere fact of you having previously been the deceased’s attorney would not afford you any special privilege.
I'm starting a new job and on the forms I have to fill out, they ask for a copy of my driver's license. Will a learner's license suffice?In the US, as long as you're not applying for a job which requires you to drive, it should probably be ok. Most employers use a driver's license or State-issued ID card as a way of establishing that you're actually who you say you are. If the job does require a valid driver's license, you aren't qualified for that position yet. The job posting may have listed minimum requirements. But if you're working at a desk or front counter or in a restaurant (not delivering), the lack of a driver's license probably isn't a big deal.
If we suddenly take all the living beings out of earth, how long will it take for life to form here again?Life would not form here as the current conditions are oxidative ones rather than what was 2.1 billion years ago. Apart from that, "life comes from life". So, if all of life is taken then there are no precursors to the formation of life. Given that some spores (precursors) of life has been left, only selected bacterial species (mostly Archaebacteria) will survive because there would happen a dramatic climatic change.The complex diversity that we see today is a product of millions of years of Evolution and Emergence. There will be no hope for new species formation if in current environmental conditions all life forms are taken away.
If a foreign citizen lives in the US on a working visa for more than a year, then what is his status? What tax form will such a person fill out when filing for taxes at the end of the tax year? Is the 1040NR the form to fill out?In most situations, a person who is physically present in the United States for at least 183 days out of any calendar year is a US resident for tax purposes and must file Form 1040 as a tax resident. There are exceptions to this general rule, but none of them apply to people who are present in the United States in H-1B (guest worker) status. Furthermore, H-1B workers are categorically resident aliens for tax purposes and must pay taxes on the income they earn while in H-1B status as a resident alien in every year in which they earn more than the personal exemption limit. This includes both the first year and last year, even if the first or last year contains less than 183 days of residence in the United States. The short years may result in a filing as a “dual-status” alien.An H-1B worker will therefore only file Form 1040NR as his or her primary tax return in the tax year in which he or she leaves the United States permanently, and all US-connected income during that year will be taxed as if the taxpayer was a US resident, under the dual-status rules. All other tax returns during that person’s residence in the United States will be on Form 1040. The first year’s return may be under dual-status rules, with a Form 1040NR attached as a “dual status statement” as per the procedure in Chapter 6 of Publication 519 (2016), U.S. Tax Guide for Aliens. A person who resides the entire year in the United States in H-1B status may not use Form 1040NR, and is required to pay US income tax on his or her worldwide income, excepting only that income which is subject to protection under a tax treaty.See Publication 519 (2016), U.S. Tax Guide for Aliens for more information. The use of a tax professional, especially in the first and last year of H-1B status, is highly recommended as completing a dual-status return correctly is exceedingly challenging.