Most people know how vital it is that they have an estate plan. It is obvious that it is the best thing for your estate and your family when you pass away to have everything properly organized. However, what many people do not understand is what is the best plan for them. For the majority of people a revocable living trust will be the best option. Here are a couple reasons why you should choose a trust.

The Employee Retirement Income Security Act or ERISA governs employee benefits, such as long-term disability plans. Contrary to its original purpose, many purport that ERISA actually protects insurers more than it does claimants. To determine whether the law applies to your policy, you must establish where you purchase your policy. If you obtained it from a private insurer, state laws likely govern your policy; if it is an employer-provided policy, ERISA applies.

If you're like many people, you may have put off your estate planning needs. Most people think that there will always be time to plan in the future. While this may be the case, you want to make sure that you're prepared in case there's an accident or emergency. It's best to have an estate planning attorney, so that you have the perfect plan for your needs. Take a look at the following information to better understand the reasons as to why you should hire an estate planning attorney.

When is a deal not a deal? If buyer's remorse settles in within a few hours of a major purchase or a signed contract, do you have the right to cancel the deal? If so, for how long? When The 3-Day Rule Applies There's a federal law called the "3-Day Cooling Off Rule" which protects consumers from making rash purchases, especially when they might be susceptible to high-pressure sales. Under this rule by the Federal Trade Commission (FTC), you can cancel a contract that involves:

Did you recently receive medical care that you believe was incompetent or even harmful? Do you plan on filing a malpractice suit against the doctor, hospital, or medical device manufacturer? If so, you'll need to follow your state's established processes for filing a suit. One document you may need is an affidavit of merit, which is required in many states for a medical malpractice case to move forward. An affidavit of merit is exactly what it sounds like, a document that verifies the merit of your claims.

Estate planning is a very important part of any family's emergency plan. People purchase home insurance all the time, even though they don't plan on the house catching fire. Unfortunately, those same people sometimes fail to plan their estate, which would care for their children and family in the future. Although you hope that you will live a long full happy life, at some point everyone will leave this life, which is why it is important that you take the time to make sure that your affairs are in order.

During a personal injury lawsuit where you are the plaintiff, everything about your life is open to discovery and subpoenas by opposing counsel. That includes everything you post on social media, as well as the sites that you frequent online. Here are three unexpected ways your online life could potentially hurt your personal injury lawsuit. #1: Your Activity Can Be Used Against You The vast majority of personal injury lawsuits include requests for damages based on physical injuries as well as emotional damage.

Divorce often comes about as the result of domestic violence. When your divorce lawyer is aware of your circumstances, he or she can help you file certain motions to protect you and your children, as well as sue for medical and psychiatric treatments that you cannot afford. When your child becomes a victim of domestic violence, you may be wondering what to do next. A divorce lawyer will help in the following ways.

One of the hallmarks of the recession was the number of homes that were foreclosed on. Now is the time that you can purchase one of these homes from a bank for a great price. Just make sure that you work with a real estate attorney to make sure that you are protected and getting a good deal. Title Insurance Your real estate attorney will highly recommend that you get title insurance on the home you are purchasing.

When you decide that you want to get a divorce from your legal spouse, it can feel like a long process that you just want to be done as quickly as possible. Unfortunately, there are steps that have to be taken after filing and there is a good chance that your divorce attorney will recommend mediation before the final hearing takes place. Even though divorce mediation can sound like some type of argumentative debate, this is actually a peaceful meeting that is designed to help find resolutions to unresolved disputes between you and your partner.