Designating beneficiaries

Know Designated Beneficiaries. Check all assets that allow for a beneficiary to be designated and verify that the current designations are consistent with your wishes. This includes life insurance policies, annuities, tax-deferred savings plans, bank accounts, and brokerage accounts. 

Designation of Beneficiary. Life insurance proceeds, U.S. savings bonds, and balances in employer retirement plans, Individual Retirement Accounts, or Keogh accounts pass directly to named beneficiaries. The asset is not subject to probate but is included in the estate for tax purposes. Also, bank accounts can have a pay-on-death person named to receive the proceeds of the accounts after your death. 

Trust. A trust agreement designates someone you choose (called a trustee) to hold property you transfer to the trust on behalf of a beneficiary. Property distributed through a trust is not subject to probate. The estate tax advantages are limited and vary depending upon the type of trust. 

Name a Trustee. This is a person or institution that you designate under a trust document to manage your property for your beneficiaries. A trustee and an executor can be the same person. You can be your own trustee. 

Check the beneficiary designations you have on file for your life insurance, employer retirement plan, Individual Retirement Account, or Keogh plan. Be sure the current designations are consistent with your wishes. 

Along with greater sophistication about the many roles played by psychoactive compounds in people s lives and the possibility of exposure to a wider variety of psychedelics, users in the future will also be beneficiaries of recent techniques that (1) aim at realizing the "peaks of the psychedelic experience through nondrug means, and/or (2) are designed to enhance the productiveness of sessions. Bruce Eisner, writing about such contemporary research, sketched some examples ... 

ADC. .. was designated officially for non-employables, Mittelstadt (2005). Divorced and never-married women made up the majority of ADC beneficiaries. 

Medicare beneficiary a person designated by the Social Security Administration as entitled to receive Medicare benefits. 

The design team was separated into three subteams. The first team mapped the existing work-flow. The results of their work revealed a death claims process made up of 200 steps, with only 18% of those steps deemed as value added. The second team was responsible for analyzing the cycle time of the process, while the third team conducted focus groups with beneficiaries and agents. The beneficiary focus groups provided priceless information in terms of acceptable time frames for contact, as well as typical needs of clients. 

The Conservation of Plastics provides important information on the definition of plastics, their history, technology, properties, identification, degradation, conservation and future preservation. Most importantly, it describes the state of the art of one of the newest fields in cultural heritage — plastics conservation. The information in this book is placed in context, and is illustrated with many examples that those involved in decision-making processes for conserving plastics objects will find helpful. This book will be present on every conservation table, in aU museums, training schools and universities, where it will be used on a daily basis. The beneficiaries will be the objects themselves plastics for everyday use, designer objects, furniture, toys and, most of all, modern and contemporary art. 

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