The Critical Importance of a Personal Health Directive

Imagine a scenario where, due to an unforeseen medical event, you find yourself incapacitated, unable to voice your healthcare preferences or decisions. It’s an uncomfortable thought, yet it’s a reality that can strike anyone at any time, regardless of their current health status. This underscores the necessity of having a personal health directive, often known as a living will or medical power of attorney.

The consequences of not having a health directive can profoundly affect both you and your loved ones. Without this essential document, here are some of the critical situations you and your family might face:

Decision-Making Comes to a Halt

Without a designated person to make healthcare decisions on your behalf, medical professionals are left in a challenging position. They are constrained by legal and ethical guidelines that typically err on the side of prolonging life, potentially in ways that you might not prefer. Decision-making regarding your healthcare can be severely delayed, as doctors may need to seek court orders to proceed with or cease certain types of medical treatments.

Family Powerlessness and Conflicts

In the absence of a health directive, your loved ones are stripped of the ability to act on your behalf. This can lead to feelings of powerlessness and frustration, as they may know your preferences but lack the legal authorization to ensure they are followed. Furthermore, without clear guidance from you, family members might disagree on the best course of action, leading to conflicts that can escalate into legal battles, driving wedges between loved ones during an already distressing time.

Legal and Financial Complications

When decisions are at a standstill, and legal intervention is required to proceed with medical treatment or discontinuation, the process can be lengthy and financially draining. The costs associated with court proceedings or legal consultations can add considerable strain to an already emotionally taxing situation. These funds could otherwise contribute to medical bills or support for recovery.

Impersonal Medical Decisions

Without your personal input, medical decisions are made based on general healthcare principles and the clinicians’ professional judgments. This might result in a course of treatment that doesn’t align with your values, beliefs, or preferences. A health directive ensures that your voice is heard, even when you cannot speak, making your healthcare experience as personalized and respectful of your wishes as possible.

How to Safeguard Your Preferences and Loved Ones

Creating a health directive may seem daunting, but it’s a straightforward process that can save a significant amount of stress and uncertainty. Here’s how you can begin:

  1. Consult with Healthcare Professionals: Understand the types of decisions that might need to be made if you’re unable to make them yourself. This can help you think through your preferences wisely.
  2. Legally Document Your Wishes: Whether it’s appointing a medical power of attorney or creating a living will, make sure your decisions are recorded in a legally recognized format.
  3. Communicate with Your Designated Decision Maker and Loved Ones: Ensure those close to you, especially the person or persons you’ve designated to make decisions, understand your preferences clearly.
  4. Review Regularly: Over time, your wishes might evolve. Regularly review your health directive to ensure it still reflects your current preferences.

Taking the initiative to prepare a health directive ensures that, even in the most vulnerable moments, your healthcare choices are respected, and your dignity is upheld. More than a legal document, it’s an act of kindness towards yourself and a gift of clarity and guidance for your loved ones during difficult times.

Got questions about estate planning? Reach out to us for a complimentary consultation and see how we can assist you in putting together a personal directive that outlines your wishes clearly and ensure you have all the legal documents you need when planning your estate needs.

Avoid These Estate Planning Mistakes to Protect Your Legacy

Estate planning is not something that people enjoy thinking about, but it is essential for every individual to plan their estate to ensure their legacy is protected for the future generation. Proper estate planning is about creating a comprehensive plan of action for who will receive your assets and how they will be distributed, in the event of your incapacity or death.

However, estate planning can be a challenging task. Many people make mistakes in the process which can cause significant issues down the line. In this article, we will discuss the most common estate planning mistakes that people make, and how to avoid them.

Mistake #1: Failing to Plan

Many people avoid the process of estate planning altogether, thinking that it is not necessary. However, failing to plan properly can lead to significant trouble for your loved ones, if something happens to you. Without a will or a trust plan, your assets will be distributed by provincial law, which might not necessarily align with your wishes.

How to Avoid: The best way to avoid this mistake is to work with a professional estate planning lawyer to create a comprehensive plan that is aligned with your wishes.

Mistake #2: Not Updating Your Plan

Even after creating an estate plan, people make the mistake of not updating it when significant life events occur. Life events such as the birth of children/grandchildren, divorce, and other significant life changes can significantly impact your estate planning needs.

How to Avoid: Ensure that you are reviewing your estate plan regularly with your estate planning attorney to make the necessary changes based on significant life events.

Mistake #3: Not considering Your Beneficiaries

Not all assets are passed by probate, which means you need to pay attention to each asset’s beneficiary designation. In some cases, people forget to update their beneficiary designation or leave it to the wrong people.

How to Avoid: Always ensure that your beneficiary designations are consistent with your estate planning documents and are up to date.

Mistake #4: Choosing the Wrong Trustee or Executor

When selecting a trustee or executor, people often make the mistake of choosing family members without considering their qualifications or ensuring that they are willing to serve.

How to Avoid: Choose a trustee or executor that is reliable, trustworthy, and competent to carry out their duties as defined under your plan.

Mistake #5: No Power of Attorney or Personal Directive

An enduring power of attorney and personal directive is necessary for everyone to ensure that their health care and financial decisions can be made, in the event of incapacity or disability.

How to Avoid: Work with your estate planning lawyer to create an enduring power of attorney and personal directive that is consistent with your estate plan.

Estate planning is about making sure that your assets end up in the right hands and that your loved ones are protected. While it may seem like a daunting task initially, avoiding mistakes can help ensure that your estate plan is comprehensive and up-to-date. Work with an estate planning lawyer and avoid the mistakes discussed in this article to ensure that your wishes are fulfilled and your legacy is protected. Proper estate planning is a tribute to your loved ones and the ideal way to secure your family’s future.

At Summit Legal Group, we include a comprehensive Will Package, which includes the Will and Last Testament, as well as the Personal Directive and Enduring Power of Attorney. Reach out to us today to find out how we can help and ensure your legacy is protected in the preparation of your legal documents.

Estate Planning: Lawyer vs. Do-It-Yourself – Which is Better

Estate planning is important for everyone, regardless of age or the size of your estate. It’s a process of organizing your assets and taking care of your loved ones in the future. Estate planning involves drafting wills, trusts, and other legal documents. Although some might consider doing it themselves, there are several reasons why hiring an estate planning lawyer is the better option.

The Complexity of Estate Planning

Estate planning involves many legal documents, which are complex and require professional knowledge and expertise. An estate planning lawyer can provide guidance and ensure that they draft documents correctly. An experienced lawyer will assess your situation, understand your goals and needs, and create an estate plan that meets your requirements.

Mitigating Risks

Estate planning can help mitigate the risks of potential legal battles between beneficiaries. A lawyer can ensure that the estate plan adequately addresses the clause that outlines the distribution of assets.

Saving Time and Money

Estate planning can be time-consuming and costly, but a lawyer can help you save money and time in the long run. An estate planning lawyer can help you complete your wills and other legal documents much more quickly and efficiently while ensuring they consider any legal and tax implications.

Keeping Up with Legal Updates

Estate laws are constantly changing. An experienced estate planning lawyer can keep you up to date with any updates that might affect your estate plan.

Legal Protection

An Estate planning lawyer makes sure you are protected from unforeseen circumstances, such as heavy tax liabilities, breach of contract, and much more. A lawyer will ensure that the estate documents comply with the legal standards embedded by the province.

Estate planning is vital, and a mistake in this area could bring severe consequences to your beneficiaries. While doing it yourself might be the less costly option, the benefits of using an estate planning lawyer are significant. An experienced estate planning lawyer can ensure that your wishes are met, mitigate any potential risks, and take care of the complexity of the legal documents. Therefore, it could save you and your beneficiaries time and money in the long run. It’s vital that everyone should make an effort to consult and employ an estate planning lawyer to avoid any unpleasant circumstances.

If you have any questions about estate planning or if you are not sure what you need, get in touch! You can schedule a complimentary consultation with our Estates Manager who can assist with some of your initial questions. Get in touch with us today to help you with your estate planning needs.

New Year, New Estate Plan: Why Now is the Perfect Time to Evaluate your Estate Planning Needs

The New Year is upon us once again. With it comes the perfect opportunity to re-evaluate certain aspects of our lives. While most of us use this time to set goals and resolutions, many overlook a crucial element – estate planning. Estate planning may not be the most exciting topic, but it is essential. It secures the future of your loved ones and ensuring that you decide how you distribute your assets. In this blog post, we will discuss why the New Year is the perfect time to evaluate your estate planning needs.

Changes in Life Circumstances

One of the primary reasons to review your estate plan is if your circumstances have changed since the last time you made one. Did you get married or divorced? Or, did you have a child or adopt one? Perhaps some recent business decisions may impact your assets. Did you sell or acquire assets? All of these events may impact the way you distribute your estate and so it is imperative to update your estate plan to reflect these changes.

Tax Laws and Estate Planning

Tax laws are always evolving, which may impact your estate plan. Sometimes these changes may have an impact on how much your heirs may receive. An estate planning specialist can give you the best advice about minimizing your tax liability and maximizing the inheritance for your beneficiaries.

The Importance of Updating Your Beneficiaries

One of the simplest yet most important parts of estate planning is naming your beneficiaries. However, it is essential to ensure that your beneficiary designations are up to date. Many people forget to update their beneficiaries even after major life changes have occurred, which may lead to unintentional complications.

Ensuring Your Wishes Are Carried Out

One of the primary benefits of having a proper estate plan is the ability to have more control over what happens to your assets after you pass away. Even if you do not have substantial assets, you may still want to have control over your sentimental possessions. By putting a proper estate plan in place, you will ensure that your executor can carry out your wishes.

Protecting Your Family’s Interests

Estate planning is not only about you, it is also about your family. A proper estate plan will ensure that you protect your family’s interests and can outline them clearly. It can protect them from potential legal battles, the probate process, and provide peace of mind during a difficult time. A comprehensive estate plan can give your family the tools they need to move on from your passing with ease.

The New Year provides an excellent opportunity to evaluate your estate planning needs. Regardless of age, income, or family structure, estate planning is essential for protecting your family’s interests and ensuring your wishes are carried out. By reviewing your estate plan and updating it as necessary, you are giving yourself and your family peace of mind and security. Contact us to see how we can help ensure that you manage your assets according to your wishes and your legacy lives on as you desire.

Essential Elements to Include in Your Estate Plan

Death is an inevitable part of life, and we don’t like to think about it much. However, it is essential to think ahead and plan for the future, especially by preparing an estate plan. It’s a critical document that ensures your last wishes are met and helps to prevent chaos and confusion among your loved ones after your passing. An estate plan will divide your property and assets, designate guardians for your minor children, and even help with tax planning. In this article, we’ll discuss the essential elements that must be included in your estate plan.

A Will:

A will is a legal document that specifies how your assets and property should be distributed after your death. If you don’t have a will, the court will decide who gets what, which may not be in accordance with your wishes. Your will must specify the distribution of your assets, the person responsible for executing your will, and the amount of inheritance for each beneficiary.

Enduring Power of Attorney and Personal Directive:

An enduring power of attorney and personal directive designates a person to manage your finances and healthcare decisions if you become incapacitated and cannot make decisions for yourself. An enduring power of attorney will allow your designated representative to access your accounts, pay bills, and make financial decisions on your behalf. A personal directive will allow your representative to make medical decisions for you if you are not able to.

 

Guardianship:

Designating a guardian for your minor children is another crucial element of estate planning. If you have minor children and both parents pass away without naming a guardian, the court will appoint someone. This may be a different person altogether, so it’s essential to ensure that your wishes are met. You’ll want to consider factors such as age, location, and values when choosing a guardian.

 

Beneficiary Designations:

Life insurance policies, registered investments, and other accounts require beneficiaries, and these designations must be updated regularly. Make sure you list primary and alternate beneficiaries, and check with your retirement account custodian to ensure your designations are updated and accurate.

 

Digital Estate Plan:

As our lives become increasingly digitized, it’s critical to include a digital estate plan that covers things like social media profiles, online banking, and other online accounts. You may want to consider designating a separate executor for your digital assets, leaving instructions for how to access and handle these accounts.

 

When it comes to estate planning, everyone’s circumstances are unique, so it’s essential to talk to a lawyer or estate planning professional who can help you create an estate plan that meets your specific needs. While drafting an estate plan may seem overwhelming, it’s an essential step to take that can provide peace of mind for you and your loved ones. By following the steps discussed in the article, you can create a comprehensive estate plan that helps to ensure your last wishes are met.

Reach out to us today and let Summit Legal Group guide you in the estate planning process. 

AUTHOR

Craig Gorham is a Certified Executor Advisor at Summit Legal Group, guiding clients through the Estate Administration process with compassion, empathy and a wealth of specialized knowledge. Craig can be reached directly at 587-393-2069 or craig@summitlegalgroup.ca.

Summit Legal Group wins the 2024 Top Choice Award for Wills and Estates Law Firm!

UPDATE (January 11, 2024)

We are pleased to announce that Summit Legal Group WON the 2024 TOP CHOICE AWARD for WILLS & ESTATES LAW FIRM!

Check out all the 2024 Winners here.

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Summit Legal Group is pleased to announce that once again, we have been selected by the prestigious Top Choice Awards as a nominee for the “Top Choice Wills & Estates Law Firm” of 2024!

This nomination is a testament to all the hard work and dedication of our team, providing high-quality legal services in wills and estates. Each of our lawyers and our Certified Executor Advisor are committed to providing our clients with top-notch legal expertise and advice. Our lively and engaging staff are passionate about helping clients navigate estate planning, trusts, and other services related to wills. With our experienced team behind us, we feel confident that we can achieve this great honour!

We invite you to join us in celebrating this incredible opportunity by casting your vote today to help make us YOUR TOP CHOICE!

VOTE HERE: https://topchoiceawards.com/vote?survey_id=V0uE4zGn

But wait, there’s more! By simply voting, you automatically enter a draw with a chance to win one of four incredible $500 cash prizes generously offered by Top Choice Awards!

Stay tuned for further updates and exciting developments on our journey to victory!

I Have No Assets, Do I Still Need a Will?

When you hear the word “estate,” you tend to think of wealth, property, and assets. As such, people assume that creating a Will is only necessary for the wealthy. Regardless of your financial status or age, having a Will is an essential component of your life planning strategy.

Protecting Your Loved Ones: Your Will enables you to specify your wishes for your children’s guardianship should something unexpected happen to you. Without a Will, the courts decides and manages decisions regarding their well-being.

Protecting Your Digital Estate: In today’s technological era we have various digital assets including social media accounts, web domains, crypto currency emails, and online storage. Assigning someone you trust as the executor of these accounts in your Will can save your family members from a lot of stress and difficulties.

Ensuring Quick Dispensation of Your Assets: When someone dies, the process of dispersing the estate could take years. With a Will the process to can be more convenient and faster for your family members.

Trust and Peace of Mind: A Will is a way to provide reassurance and support for your loved ones by providing clarity and ensuring distribution of your estate is according to your wishes.

Flexibility: A Will does not take effect until your death, so you can modify or revoke your Will anytime you wish while you’re alive.

A Will is essential for everyone—not only the wealthy. A Will is a valuable component of a well-structured life plan. It’s a symbol of your love and care for your loved ones and proves invaluable to ease their difficulty when you’re gone. So don’t hesitate, make your Will and provide peace of mind to those who matter the most to you.

Craig Gorham
Certified Executor Advisor

AUTHOR

Craig Gorham is a Certified Executor Advisor at Summit Legal Group, guiding clients through the Estate Administration process with compassion, empathy and a wealth of specialized knowledge. You can reach Craig directly at 587-393-2069 or craig@summitlegalgroup.ca.

Fast Track Grant Approval

Grant application approval

In our recent bLAWg post, we shed light on the typical time frame for a Grant of Probate or Administration approval. However, you may find yourself in a situation that calls for a quicker turnaround. Here’s how you can help expedite the process to fast track the grant approval:

  1. Enlist the right expertise: Choosing an experienced firm is key. Interpretations of the Wills and Succession Act (Alberta) and Surrogate Rules (Alberta) are ever-evolving, even if the regulations themselves don’t change. Outdated techniques may not be applicable today. At Summit Legal Group, we stay abreast of these changes and are consistently in touch with the Surrogate section of the Court to ensure our applications align with the current expectations.
  2. Full disclosure is the best approach: Before we start, we circulate a comprehensive questionnaire to the proposed executor. This information gathering is crucial as minor mistakes can lead the court to reject it. Simple errors such as such as misspelled names or incorrect addresses can cause delays. The application is sent back to us for revisions before we can resubmit the application to the court. Plus, we can only guide you based on the information you provide. Therefore being as thorough as possible in your responses allows us to assist you better.
  3. Ensure you have a valid will: Make sure you and your loved ones have valid wills. As we’ve highlighted before, grants eligible for electronic submission can often be approved in a matter of weeks, instead of months.

Don’t let the process of obtaining a grant slow you down. Reach out to Summit Legal Group’s team of skilled Estate professionals today for efficient and cost-effective Estate solutions. Let us help you navigate this journey with speed and precision with the hopes to fast track the grant approval process.

Craig Gorham
Certified Executor Advisor

AUTHOR

Craig Gorham is a Certified Executor Advisor at Summit Legal Group, guiding clients through the Estate Administration process with compassion, empathy and a wealth of specialized knowledge. You can reach Craig directly at 587-393-2069 or craig@summitlegalgroup.ca.

Get Answers to Your Probate Questions: How long does it take?

A frequently asked question from executors pertaining to securing a Grant of Probate or Administration is: ‘How long does the process take?’ (a close second to ‘What’s the cost?’). Thankfully, the era of drawn-out applications leading to postponed distributions to beneficiaries is mostly a thing of the past. Currently, over half of our probate applicants receive their approved grant within 30 days of their first consultation with our office – however it hasn’t always been that way.

In April 2022, the Court of King’s Bench of Alberta unveiled a new system for submitting and approving probate and administration grants in Alberta. This system, which came into effect on June 14, 2022, modernized the process by doing away with the old ‘NC Forms’ and introducing the simplified ‘GA Forms’. Furthermore, the new Surrogate Digital Service now enables members of the Law Society to file probate applications electronically, phasing out the traditional paper submissions.

Prior system was slow

Looking back, it’s helpful to gauge how far we’ve come. Before the changes, we analyzed all grant applications filed by Summit Legal Group at the Calgary Courthouse from January 1, 2021, to June 13, 2022. During that period, the average time between the Court ‘filing’ the application and notifying us of the grant’s approval was 89 calendar days. This, however, varied significantly with some applications getting approved in as short as 28 days and others taking as long as 193. In our experience, applications sent to the Edmonton Courthouse took longer than average to get approved while those sent to smaller city Courthouses (Lethbridge, Red Deer, etc.) usually received faster approvals.

Digital submissions are fast

Fast forward to today and the effects of the digital submission system are overwhelmingly positive for our clients. Probate applications processed during the first year of the digital service have seen an average turnaround of only 15 calendar days from the time the Clerk accepts the application until we receive approval. We’ve even seen approvals within 3 days, although we generally advise clients to anticipate 2 – 3 weeks.

Improvements with analog submissions too

On the other hand, not all applications are eligible for submission via the Alberta Court’s digital service, including all cases where the deceased did not leave a will, known as a grant of Administration, and a small percentage of probate applications. Nevertheless, the approval process has sped up here in Calgary too, with the average approval time now down to 78 calendar days – almost a two-week improvement on the old system.

With multiple lawyers in house, along with a Certified Executor Advisor, Summit Legal Group is uniquely qualified to assist you with all of your probate and estate administration needs. Please contact us and you’ll find out why we’ve earned more than 170 5-star google reviews.

AUTHOR

Craig Gorham is a Certified Executor Advisor at Summit Legal Group, guiding clients through the Estate Administration process with compassion, empathy and a wealth of specialized knowledge. Craig can be reached directly at 587-393-2069 or craig@summitlegalgroup.ca.

A Comprehensive Guide to Managing a Deceased Person’s Online Presence

If you’ve found yourself in the role of an executor, executrix, personal representative, or administrator, you’re likely facing a myriad of responsibilities in administering an estate. Thanks to many law firms, financial institutions, and the Canadian Institute of Certified Executor Advisors, you have access to plenty of organized lists—often free of charge—to help guide you.

However, one frequently overlooked area is managing the deceased’s online accounts and social media profiles. These assets, although more personal in value than financial, are crucial to address. In this guide, I’ve reviewed the most popular online sites and social networks in Calgary, Alberta, Canada and gathered instructions on to help you manage each platform’s specific processes.

Managing Facebook Accounts Posthumously

Facebook, the globally renowned social media network, has a dedicated page in their online help center to manage a deceased person’s account. They offer the option to memorialize an account, or to remove it if necessary. You can access Facebook’s guidelines here.

Google Accounts: Gmail, YouTube, Blogger and More

Google, home to popular services like Gmail, Blogger, and YouTube, allows users to pre-set administration preferences for their account upon their incapacitation or death. You can access their Inactive Account Manager here. If the deceased did not have this service set up, you can request the closure of the deceased’s accounts here.

Microsoft: Outlook, Hotmail, Onedrive

Microsoft requires a Court Order to modify an account posthumously, otherwise, they close accounts automatically after 2 years of inactivity. Learn more about their policies here.

LinkedIn Profiles After Death

LinkedIn allows the court-appointed executor to either memorialize or close the account on behalf of the deceased. Find out how to manage a LinkedIn account posthumously here.

Instagram: A Unique Approach

Instagram, although owned by Meta Platforms, has a separate process for managing the account of a deceased. Discover their guidelines here and here.

Twitter Policies for Deceased Users

You can request the removal of a deceased family member’s profile by providing relevant documents to Twitter. Learn more about their process here and here.

Apple: Providing a Legacy Contact

Similar to Google, Apple allows users to designate a Legacy Contact who will manage their data after their death. Learn more about Apple’s policies here.

Pinterest: A Closer Look

Pinterest, one of the internet’s most popular image-sharing services, is a bit more reserved about their procedures. You can find their account closure policy here.

In Summary

We hope this comprehensive guide will assist you in your duties as an executor, particularly when dealing with online platforms. Did we miss any platforms? Please let us know and we’ll include it in a future update.

At Summit Legal Group, one of Calgary’s top-rated law firms, we have the expertise to assist you with estate-related needs, from planning your own estate to applying for a grant of probate or grant of administration with the surrogate court. Get in touch to discover how we can support you.

Author

Craig Gorham is a Certified Executor Advisor at Summit Legal Group, guiding clients through the Estate Administration process with compassion, empathy and a wealth of specialized knowledge. Craig can be reached directly at 587-393-2069 or craig@summitlegalgroup.ca.