由隔壁帖——咨询立遗嘱相关问题

看了隔壁帖子，渣男biss我先说

明天和意外也不知道哪个会先来，可是想到自己确实除了保险受益人填了父母，其他的资产也不知道如果真的有了意外应该如何保证父母能够接管。

因此想开贴问问各位在父母在国内的情况下如何处理自己的股票/401/房产/保险受益相关遗嘱安排？
以及各公司legal service对立遗嘱/trust的support?

想了想这个应该也算是……生活经验类分区？或者其实是不生活经验？
(没想到有一天我会在一亩三分地学习怎么给自己立遗嘱…)


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最后希望姐姐的父母孩子能够得到应得的补偿，渣男原地爆炸

感激的菜弟弟 发表于 2022-03-15 16:51:35
没必要，找个正常伴侣，是个人都会给钱/照顾岳父母的。

渣男原配也是这么想的

1. 各个公司都有类似legal shield的benefit, subscrible一个 每年可以免费更新will.按照指示找个律所一点一点做就知道了 签字的时候要找在美国的witness 并把copy存在他们那。
2. 立will一般都是给孩子 孩子的监护人的选择一定要找一个美国身份的可靠的人，要不然直接给国内父母之前会被state 接管，到把孩子给国内亲人这段时间之前，手续复杂孩子会寄养在别人家，这段时间就不可控了。最好是有一个可靠的美国朋友转给国内父母。

唉，人间惨剧，白发人送黑发人还要遭受这种人情暴击。希望二老能撑住，要不两个小的真的没指望了

我是男的，同问

401k, IRA这些退休账户是可以给foreign beneficiary的，取的时候要交30%的税。但是我看到很多人讨论说她父母不懂英文。

这种情况下，她该怎么保证父母能拿到钱、自己不被埋在出租房的前院？退一万步说，如果一个人未婚、无孩，父母在国内，难道人死了钱就全归政府了？？

她错信了她老公料理后事，结果还不如托付给一个邻居呢。不是谁都做得出这么恶心的事的。
放狗搜了一下（来源）：

A federal law, the Employee Retirement Income Security Act (ERISA), governs most pensions and retirement accounts. Under ERISA, if the owner of a retirement account is married when he or she dies, his or her spouse is automatically entitled to receive 50 percent of the money, regardless of what the beneficiary designation says.

If another person is the designated beneficiary, the spouse will receive 50 percent of the assets and the designated beneficiary will receive the other 50 percent. A spouse always receives half the assets of an ERISA-governed account unless he or she has completed a Spousal Waiver and another person or entity (such as an estate or trust) is listed as a beneficiary.

A spouse can forgo his or her right to 50 percent of the account by properly executing a Spousal Waiver. However, generally a Spousal Waiver is not permissible under ERISA unless the spouse is at least 35 years old, depending on the type of retirement plan.

In contrast to 401ks, IRAs are controlled by state law that does not automatically grant spouses beneficiary rights. By rolling a 401k into an IRA, an owner gains flexibility to name anyone as the designated beneficiary, with or without a spouse's consent. Federal courts have confirmed that spouses do not have ERISA rights with IRAs.

These examples demonstrate the importance of carefully creating and updating beneficiary designations so they match the owner's wishes for distribution upon his or her death. If you are married and you and your spouse do not want him or her to receive at least half of your retirement assets, consider executing a Spousal Waiver and ensure you have other beneficiaries designated for your retirement assets. If your former spouse gave up any claim to retirement assets in a divorce, make sure your beneficiary designation form is modified to reflect that change. Finally, converting a 401k to an IRA provides more options for designated beneficiaries.

Twinko 发表于 2022-3-15 11:56
401k, IRA这些退休账户是可以给foreign beneficiary的，取的时候要交30%的税。但是我看到很多人讨论说她父 ...

Spouse waive 没有那么容易拿，要去公证。公证让你配偶自己放弃，有多少配偶愿意签字？可想而知

我也来学习学习

没必要，找个正常伴侣，是个人都会给钱/照顾岳父母的。

楼主我发过一个类似的帖子，里面有一些内容你可以参考下：https://www.1point3acres.com/bbs/thread-799698-1-1.html
当然具体到每个人情况可能比较复杂，比如你是否信任另一半可以做受益人还是要绕过对方想让受益人直接是父母等等，你可以问一下律师，我们公司可以提供一些打折的律师咨询（比如前30分钟免费这种），你们公司可能也会有类似的福利