premobilization legal preparedness
DESCRIPTION
87th LSO: A. Welcome B. Introduction C. What is PLP ? (optional) 1. Group and/or individual counseling 2. Preparation of simple wills and powers of attorney 3. Other advice, as needed, to facilitate the rapid mobilization capacity of RC members. PREMOBILIZATION LEGAL PREPAREDNESS. - PowerPoint PPT PresentationTRANSCRIPT
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PREMOBILIZATION LEGAL PREPAREDNESS
Are You Ready?
Prepared by the
87th LSO
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Why Important?
• Peace of Mind
• Save Time
• Be Ready to Serve
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Premobilization Planning
• Inventory• Legal
Checkup• Estate
Planning
• Personal Affairs
• Employment• Military
Benefits
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Asset Inventory• Location, value, serial numbers,
policy numbers / amounts, etc.
• Your map to financial affairs and planning!
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Legal Checkup
• On your own
• With a JAG attorney
• Review legal documents
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Estate Planning• Wills and Trusts
• Powers of Attorney
• Living Wills
• Insurance
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Will
• What is it?
• Always necessary?
• To What Does it Apply?
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Will• Possible advantages?
–Savings–Control–Peace of mind, morale, and soldier
readiness
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Will• But what if I die without one?
–Not the “end of the world”–Laws of Intestate Succession–May or may not be what you want
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Will• Three Primary Purposes:
–Select Personal Representative–Dispose of Property–Select Guardians of Minor
Children
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Will• Administer Will
– Select Personal Representative (or “Executor”) and alternate
– Trusted individual!
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Will• Dispose of Property
– Who receives?
– Your desires
– Special rules (children / spouses)
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Will• Select Guardian(s)
– Minor children
– You nominate; court appoints
– Nominee willing to serve?
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Will• A LIVING DOCUMENT!
– Careful/periodic review
– May need updating
– Dangers of out-of-date will– How changed?
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Will• Other Considerations
– Size of estate– Use of trusts– Legal residency– UGMA / UTMA– Insurance– “Holdover Wills”
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Living Will
• Available
• Durable Health Care Power of Attorney
• Advance Medical Directive (AMD) or “Directive to Physicians”
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Living Will
• Terminal condition• Persistent vegetative state• Opinion of two physicians• “Quality of life” issue• An “individual” decision
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Power of Attorney• Legal document granting authority• To another• Whom you trust• To act for you • In certain circumstances• Your “legal clone”
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Power of Attorney• May be GENERAL or SPECIAL
• Broad vs. limited grant of authority
• Special POA generally preferable
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Power of Attorney• CAUTION!• Potentially powerful
• Be careful who you give it to
• Give no more authority than reasonably necessary!
• Not always needed
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Power of Attorney• Not a cure-all• Not always accepted
• Allows but does not require (actions or acceptance)
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Power of Attorney• Particular problem areas:
– Financial institutions ($$$)
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Power of Attorney• Particular problem areas:
– Financial institutions ($$$)
– Real property sales / purchases
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Power of Attorney• Particular problem areas:
– Financial institutions ($$$)
– Real property sales / purchases
– Custody POAs
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Power of Attorney• Particular problem areas:
– Financial institutions ($$$)
– Real property sales / purchases
– Custody POAs
– Revocation
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Power of Attorney• Revocation difficult
• Expiration easier
• Policy of limiting to one year
1. Revocation of a POA is possible, but it is or can be difficult. It is often much easier to let the POA expire than to try to revoke it.
2. That is one of the major reasons why POAs in the military are normally limited to no more than one year in duration. Circumstances change; relationships (sometimes even with a spouse) can change; the need may no longer be there; etc. Divorce, or a “falling out” with a girl- or boyfriend, is all too common in the military.
3. A POA in the hands of someone with whom you’ve had a “falling out” with, or who you no longer trust, can be a dangerous document indeed--especially if feelings are hurt and there is any reason that the person with the POA may try to use it to hurt you.
4. Hence, sometimes you cannot wait until the expiration date of the POA to have it cease to be effective (and binding on you).
5. To revoke a POA, you must communicate your intent to terminate the POA to the grantee of the POA. Also, inform third parties (who may be) dealing with your grantee on your behalf; in addition to written notice to the known third parties, this may require published (constructive) notice to those you are not aware of.
1. Revocation of a POA is possible, but it is or can be difficult. It is often much easier to let the POA expire than to try to revoke it.
2. That is one of the major reasons why POAs in the military are normally limited to no more than one year in duration. Circumstances change; relationships (sometimes even with a spouse) can change; the need may no longer be there; etc. Divorce, or a “falling out” with a girl- or boyfriend, is all too common in the military.
3. A POA in the hands of someone with whom you’ve had a “falling out” with, or who you no longer trust, can be a dangerous document indeed--especially if feelings are hurt and there is any reason that the person with the POA may try to use it to hurt you.
4. Hence, sometimes you cannot wait until the expiration date of the POA to have it cease to be effective (and binding on you).
5. To revoke a POA, you must communicate your intent to terminate the POA to the grantee of the POA. Also, inform third parties (who may be) dealing with your grantee on your behalf; in addition to written notice to the known third parties, this may require published (constructive) notice to those you are not aware of.
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Power of Attorney• Valid until--
– Death
– Subsequent incapacity
– Expiration date
– Date validly revoked
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Personal and Business Planning
• Think NOW . . .
• What will happen to me, my family, and my employment if I am mobilized?
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Personal and Business Planning
• Consider:– Distance
– Reduced communication
– Memory
– Time
– Possibly-reduced income
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Personal and Business Planning
• Assemble important documents
• Know where things are
• Make needed arrangements
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Personal and Business Planning
• Real estate holdings
• Insurance• Bank accounts
(access?)
• Allotments?
• Registering to vote
• Payment of debts / obligations
• Family Care Plan
• Customers, clients, patients, employees
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Insurance
• Military (SGLI)
• Commercial Insurance
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Insurance
• Life
• Health and Accident
• Business
• Fire
• Mortgage
• Other
Insurance
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Insurance
• Considerations:– No “by law” SGLI designation
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Insurance
• Considerations:– No “by law” SGLI designation
– Correct beneficiaries
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Insurance
• Considerations:– No “by law” SGLI designation
– Correct beneficiaries
– Adequate amount of coverage
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Insurance
• Considerations:– No “by law” SGLI designation
– Correct beneficiaries
– Adequate amount of coverage
– Appropriate payment option
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Insurance
• Considerations:– No “by law” SGLI designation
– Correct beneficiaries
– Adequate amount of coverage
– Appropriate payment option
– Military exceptions / clauses
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Consider the Following!• Need will? living will? POA? insurance?
• Record of Emergency Data Card up-to-date?
• Personal, business, and military records in safe, accessible place?
• Make business/employment arrangements
• Family knows about military benefits and entitlements?
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Post-Mobilization Protections
• Soldiers and Sailors Civil Relief Act (“SSCRA”)
• Uniformed Services Employment and Reemployment Rights Act (“USERRA”)
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SSCRA
• PURPOSE:
– Temporary protection / suspension
– Not intended to be a “shield”
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SSCRA
• BASIC PREMISE:– Not be penalized nor the subject of
unfair advantage by another
– Merely because you entered upon active military service
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SSCRA
• Generally requires that you be MATERIALLY AFFECTED to your detriment by your military service
Material AffectTo Your Detriment
Military Service
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SSCRA• AVAILABLE RELIEF:
– Appointment of attorney “back home” to request SSCRA protections
– Legal defenses/protections• “Stay” legal proceedings• Toll statute of limitations • Reopen judgments
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SSCRA• AVAILABLE RELIEF:
– Interest rate cap
• Reduction to 6% APR
• Automatic upon application by soldier
• Not applicable to GSL loans
6%
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SSCRA• AVAILABLE RELIEF:
– Interest rate cap
• Forgiveness--not delay!!!
6%
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SSCRA• AVAILABLE RELIEF:
– Real estate protection
• Foreclosure / Repossession Protection
• Termination of Pre-Active Duty Lease
• Eviction Protection
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SSCRA• AVAILABLE RELIEF:
– Insurance premiums
– Income and personal property taxes
– Automobile leases
– Legal residency
$$$$$$
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SSCRA• CAUTION!• Don’t renegotiate obligations after entering
active duty until familiar with new military status and benefits
• A signed agreement after entering active duty may waive SSCRA’s protections
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USERRA• OVERVIEW:
– Provides for restoration of job upon release from voluntary or involuntary active duty.
– 5 Prerequisites for Protection– 7 Basic Entitlements or Protections– How enforced
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USERRA• 5 Prerequisites
– Held a civilian job
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USERRA• 5 Prerequisites
– Held a civilian job– Gave prior notice of military service, where
practicable (exception: military necessity)
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USERRA• 5 Prerequisites
– Held a civilian job– Gave prior notice of military service, where
practicable (exception: military necessity)– Period of service doesn’t exceed 5 years
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USERRA• 5 Prerequisites
– Held a civilian job– Gave prior notice of military service, where
practicable (exception: military necessity)– Period of service doesn’t exceed 5 years– Served under “honorable conditions”
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USERRA• 5 Prerequisites
– Held a civilian job– Gave prior notice of military service, where
practicable (exception: military necessity)– Period of service doesn’t exceed 5 years– Served under “honorable conditions”– Report back or reapply in a timely manner
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USERRA• 7 Basic Entitlements / Protections
– Prompt reinstatement
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USERRA• 7 Basic Entitlements / Protections
– Prompt reinstatement– Status
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USERRA• 7 Basic Entitlements / Protections
– Prompt reinstatement– Status– Seniority (“escalator” principle)
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USERRA• 7 Basic Entitlements / Protections
– Prompt reinstatement– Status– Seniority (“escalator” principle)– Health insurance
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USERRA• 7 Basic Entitlements / Protections
– Prompt reinstatement– Status– Seniority (“escalator” principle)– Health insurance– Other non-seniority benefits
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USERRA• 7 Basic Entitlements / Protections
– Prompt reinstatement– Status– Seniority (“escalator” principle)– Health insurance– Other non-seniority benefits– Training, retraining, and other accommodations
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USERRA• 7 Basic Entitlements / Protections
– Prompt reinstatement– Status– Seniority (“escalator” principle)– Health insurance– Other non-seniority benefits– Training, retraining, and other accommodations– Discharge, discrimination, & reprisal protection
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USERRA• If denied restoration, contact:
– JAG Office– Nearest VETS Office or call 1-202-219-9110– OPM or Fed. Job Info. Center– National Comm. For Employer Support of the
Guard and Reserve (1-800-336-4590)– Nearest Department of Veteran Affairs office
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USERRA• Prevention of employment problems is
KEY.
• Discuss your military affiliation and known commitments NOW.
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SUMMARY• THINK AND PLAN AHEAD
• OBTAIN NEEDED ADVICE
• KEEP & MAINTAIN GOOD RECORDS
• MAKE NEEDED ARRANGEMENTS
• KEEP FAMILY INFORMED
• AND DO IT NOW!
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SUMMARYTHE WELFARE OF YOUR LOVED ONES AND YOUR
OWN WARFIGHTER READINESS DEPEND ON
YOU DOING SO!