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Legal Protections Every Tennessean Can Learn About from the LGBTQIA+ Community

Legal Protections Every Tennessean Can Learn About from the LGBTQIA+ Community

Introduction

Hey there, Nashville and Middle Tennessee! Estate planning might sound like a snooze-fest, but it’s super important for everyone, no matter your background or family situation. The LGBTQIA+ community has faced some unique challenges over the years, and there’s a lot we can learn from their experiences about protecting our loved ones and making sure our wishes are honored. Let’s dive into some valuable lessons that can help all of us.

Lesson 1: The Importance of Legal Documentation

The LGBTQIA+ community has had to fight hard to make sure their chosen families are recognized legally. Without the right legal documents, like wills, trusts, and advance directives, partners and chosen family members often couldn’t make medical decisions or inherit property. This highlights how important it is for everyone to have these documents in place! It’s all about making sure your wishes are clear and legally binding, so your loved ones are protected and have access to you when it’s most important.

Lesson 2: Understanding Intestacy Laws in Tennessee

Intestacy laws decide how your stuff gets distributed if you pass away without a will. In most states, these laws favor relatives by blood and marriage, causing a lot of heartache and disputes when those avenues aren’t available. That’s why it’s crucial for everyone to understand how Tennessee’s intestacy laws work and to take steps to create a valid will. This way, your assets go to the people you choose, not just your blood relatives.

Lesson 3: The Role of Advance Directives in Medical Decision-Making

One major lesson from the LGBTQIA+ community is the importance of advance directives for medical emergencies. Without a healthcare power of attorney or living will, medical professionals might turn to biological family members who might not know your wishes (or just not want to follow them). By creating these documents, you can make sure your trusted person makes decisions for you, ensuring your wishes are followed and your MVPs are involved in your care. 

Lesson 4: Protecting Shared Assets and Property

For most couples, shared assets and property are a big part of their lives. Without proper estate planning, these assets can be at risk. This is a lesson for everyone in Middle Tennessee: make a comprehensive estate plan that includes wills, trusts, and property agreements. This helps protect your shared assets and ensures they go to the right people, avoiding legal disputes.

Lesson 5: Marriage Equality and Estate Planning

The legal recognition of same-sex marriages has been a huge win, giving all couples the same rights as heterosexual couples. But marriage equality alone doesn’t cover everything that your family may need. All married couples in Nashville and Middle Tennessee need detailed estate plans that reflect their unique needs. This includes updating beneficiary designations, creating wills and trusts, and setting up advance directives to outline and protect your wishes.

Lesson 6: Proactive Estate Planning for Legal Protection

The ongoing fight for LGBTQIA+ rights shows us that legal protections can change with political and social climates. This is a reminder for everyone in Nashville and Middle Tennessee to be proactive about estate planning. Stay informed about legal developments and work with knowledgeable professionals to create estate plans that offer peace of mind and security. Estate planning isn’t just about legalities; it’s about making sure your loved ones are cared for and your wishes are respected.

Conclusion

The LGBTQIA+ community’s history offers valuable lessons in estate planning for everyone in Nashville and Middle Tennessee. As we reflect on these lessons, take a moment to talk about your estate plan with your family. If you need to update your plan or start from scratch, give us a call! We’re here to help you protect your loved ones and build a secure future.

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My spouse and I are separated. How do I disinherit my spouse?

My spouse and I are separated. How do I disinherit my spouse?

When one spouse wants to disinherit the other, but they are still married, it can be a complicated process. In most cases, disinheriting a spouse is only possible if you have a valid prenuptial agreement or if you are divorced. 

Let’s illustrate this with an example: 

Jack and Jill have been married for five years, and have one child together. Their house was purchased by Jill before they were married, and Jack’s name was never added to the deed. 

Jill recently discovered that Jack is cheating on her with the Instacart shopper. She and Jack are now separated and have started the divorce process, but she wants to make sure that if she dies before the divorce is final that Jack won’t get anything from her. 

What can Jill do? 

Jill can disinherit her spouse after the divorce

Unfortunately, Jill cannot disinherit Jack until she files for divorce. Tennessee law does not allow you to disinherit your spouse- even if you write a will that says that! My advice is to get divorced as quickly as possible. Unless divorced, Jack is entitled to his share. 

The good news is that once divorce papers have been filed, there will be an automatic injunction that specifies that the pair no longer have spousal rights on the property through marriage. This is primarily to protect things like bank accounts, real estate, relationships with the children, and health insurance coverage. However, all that does is prevent money from being spent by either spouse outside of regular expenses. Jill won’t be able to do anything, like estate planning, until after the divorce has been settled or through special permission from a judge. 

In the meantime, there are still a few steps Jill can take:

Utilize her prenuptial agreement

Jack and Jill signed a prenuptial agreement prior to their marriage. In it, they waived the right to inherit from each other. All Jill needs to do now is to rewrite her will to specifically omit Jack.

Divide assets into separate trusts

Jill can establish a trust under her name and place the house in it. Since Jack’s name isn’t on the deed or on the trust, he has no right to the house if Jill were to pass before the divorce is finalized. 

Rewrite her will

Jill can rewrite her will so that Jack only gets what he is entitled to by law, called his elective share. In Tennessee, spouses are entitled to a homestead allowance, a year of support, and elective share. The elective share amount depends on how long you are married. 

Hire a family law attorney

 The divorce will go much quicker with the help of a family law attorney. 

Jill can get a jump start on planning her estate.

Finally, if Jill is preparing for a divorce, she can take advantage of all the legal documents at her fingertips and get a head start on creating the estate plan she desires. Once her divorce decree is finalized, she can meet with her lawyer and sign the document to make it valid. 

Are you getting a divorce and want to start over with your own will and estate plan in Tennessee? Are you looking for a referral to a family law attorney? Let us know! We are happy to help you make plans for your new life. Not sure where to start? Give us a call. We offer a complimentary 15-minute call to see if we are the right fit for you and your situation. You can schedule your call by clicking here

How to Avoid Disputes During Estate Planning

How to Avoid Disputes During Estate Planning

In some families, every gathering is another opportunity for disputes, whether you’re meeting up after a death in the family or a holiday. Maybe you just have a uncle who thinks he’s entitled to everything after your mom passes.

No matter what the issue is, let’s see if we can keep the peace among family (and non-family) during the estate planning process! Put the boxing gloves down and keep reading.

Begin with the End in Mind

Start with the goal of clear skies and peaceful resolutions. Visualizing a successful meeting where everyone leaves with a handshake can set a positive tone. 

Remember, it’s not just about dividing assets; it’s about honoring relationships and the legacy of the will maker.

Timing is Everything

Just like planting your tomatoes after the last frost, timing in estate discussions is key. 

Choose a moment when stress levels are lower, perhaps after a family dinner. (Maybe skip the moonshine to keep heads clear – but good luck keeping the uncle away from it!) 

By allowing everyone to digest both the meal and the information, you’ll be setting the stage for a fruitful conversation.

Bring in a Neutral Party

Sometimes, it helps to have someone who isn’t Uncle Bob facilitating the discussion. An attorney experienced with family dynamics can guide the conversation without the risk of playing favorites.

Listen Like You Mean It

Active listening is like making biscuits from scratch — it takes patience and practice. Nodding along and providing a safe space for each family member to share their thoughts allows for open communication and reduces misunderstandings.

(This doesn’t mean not to speak up – just follow the golden rule and listen before you state your feelings on the matter.)

Embrace the Emotional

Acknowledge that emotions will be as present as fireflies on a humid Tennessee night. It’s natural for folks to feel a whirlwind of sentiments when it comes to inheritance. The key is to address these feelings with empathy and respect. “No apologies” is not a great way to live your life!

Document, Document, Document

Such important conversations deserve more than a handshake and a “y’all remember this now.” 

Having the decisions made in these talks put down on paper by an attorney ensures that everyone’s memory stays as sharp as the details in a log cabin quilt.

Education is Your Best Friend

Familiarize yourself with estate planning essentials by visiting reputable sources like this one on estate planning. Understanding the basics can help you steer the conversation and clarify common misconceptions.

Keep It Light

While discussing the future can be as daunting as facing a bluff on the Cumberland Plateau, a touch of humor can ease the tension. 

After all, we’re aiming for a family gathering, not a courtroom battle.

Remember, estate discussions don’t have to be as much fun as a thunderstorm at a picnic. With these strategies, you can transform family estate planning into a process as peaceful as a Tennessee sunrise. 

Consider us as your companions on this journey, offering a range of services to ensure that your family discussions avoid trouble as much as possible. 

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Starting the Year By Getting Your Affairs in Order

Starting the Year By Getting Your Affairs in Order

As far as we know, we only live once – and we never know when it’s going to end. It’s important to plan so you can prepare. 

You can start 2024 off strong by getting your affairs in order.

1. Create an Estate Plan

First, decide whether you want a will, a trust, or both. Some people opt for a will and a living trust, but it’s up to you what you choose. If you want an attorney to talk over your options, we’d be happy to do that!

You can also decide whether you want a durable power of attorney for finances (in case you’re not able to make financial decisions). 

2. Plan for Your Healthcare

You can also consider whether you want to create an advance directive for your care. Most advance directives have a living will and durable power of attorney for healthcare.

The living will tells doctors what kind of care you wish to accept or reject when it comes to emergency treatment, and durable power of attorney lists the person you trust for your care should you become unable to communicate. 

3. Organize Your Important Documents

Once you’ve prepared all of your important papers, organize them and put them all in one place.

Here are some examples of papers that you should keep together.

Personal Information

Personal info is needed for identification purposes and is best kept together so your family can be prepared when they need it. 

  • Social security number
  • Date and place of birth
  • Names and addresses of spouse and children
  • Location of important legal certificates (birth/death, marriage/divorce, citizenship, adoption)
  • Employers and dates of employment
  • Education and military records
  • Names and phone numbers of religious contacts
  • Group memberships, awards
  • Names and numbers of close friends, relatives, doctors, lawyers, advisors

Health Information

Emergencies happen – and when you’re not prepared, your family has to scramble to find what your medications are, etc. Keep them all in the same place and be sure that your loved ones know where to look.

  • List of any ongoing conditions and treating doctors’ names
  • Current prescriptions (keep this list up-to-date)
  • Durable power of attorney for healthcare
  • Advance directive 
  • Health insurance info, policy and phone number

Financial Information

Your finances will help family members better understand what financial resources they can draw from to help you with your care, should you need it. 

  • Sources of income/assets
  • Social security benefits information
  • Insurance info (car, home, life, long-term care) with policies and phone numbers
  • Bank and account information
  • Investment income
  • Copy of the most recent income tax return
  • Location of most up-to-date will with original signatures
  • Liabilities, including what’s owned and when payment is due
  • Mortgages/debts, how and when they’re paid
  • Original deed of trust for home
  • Car title and registration
  • Credit and debit card numbers and names
  • Safe deposit box and key number

If you’re looking for a place to keep all of these, let us know. We’re happy to offer LawSafe memberships for a reasonable rate to help keep track of all the not-so-little things that your loved ones may need if there is an emergency or end-of-life event. 

4. Talk with Your Loved Ones

Once you have everything in one place, tell your loved one where to find your information. Be sure to also tell your loved ones about your plans – you don’t want your family to find out after the fact that you’ve selected someone they don’t know as your Personal Representative!

You can also let your doctor know about advance care plans, and, if applicable, give your doctor permission to discuss your care with your family.

5. Review Plans Regularly and Update 

Once you’ve done all the hard work (it takes time getting all that paperwork together), be sure to review your plans annually. If you’ve had a major change happen, you should consider revisiting your plans as well, to make any necessary updates. 

It takes time to get your affairs in order, but it is such a relief to your loved ones when they don’t have to worry about what your wishes are. In fact, this could be your masterpiece! If you’d like to get updates like this one on a regular basis, sign up for our newsletter!

What Happens When You Aren’t Clear About Your Wishes?

What Happens When You Aren’t Clear About Your Wishes?

When you aren’t clear about your wishes, you leave a blank space for your loved ones to try to fill in. This can be incredibly stressful to them – even if you’ve expressed your wishes to them but didn’t write them down – so it’s important to know your wishes ahead of time. Learn what could happen to you if you don’t make your wishes known.

What Happens if You Become Incapacitated in Tennessee?

If you become incapacitated in Tennessee (a temporary coma, for instance,) and have no medical power of attorney set, your loved ones may have to go to court and then a judge will decide who can make medical decisions for you if you’re unable to communicate your wishes.

Trying to determine your wishes after you can no longer express them can be an extremely stressful time for your family, which is why it’s so important to communicate your wishes ahead of time, just in case anything happens to you.

What Happens if You Die without a Will or Trust in Tennessee?

If you die without a will, that is called “intestate.” This means that whatever inheritance you leave behind, including your property, is subject to Tennessee intestate succession laws. Intestate laws typically leave your property to your surviving spouse and/or children, but parents, siblings, nieces, and nephews could become eligible too.

Here’s a quick breakdown of what would happen in Tennessee if you are married or have children:

  • If you have a spouse but no children, the spouse would inherit your entire estate, even if you’re separated
  • If you have a spouse and children, the estate would be divided equally among all parties (except that the spouse can receive no less than 33% of the overall estate).
  • If you only have children, your estate would be split equally among all the children.

Keep in mind that only your biological and adopted children will inherit from you if you do not have a will. If you would like to leave part of your estate to step-children, foster children, godchildren, or other children who are close to your heart, you’ll want to make plans for that in your will or through non-probate beneficiary designations. 

Here’s what would happen if you died unmarried and without children:

  • If you have a parent, the entire estate would go to your parent(s).
  • If you have sibling(s) but no living parents, the estate will be split equally among your siblings. 
  • If you have no parents or siblings, the estate will be split equally among your siblings’ children.
  • If you’ve none of the above, the estate would be split equally among paternal and maternal aunts and uncles. 

You don’t have to die to see how this one might end if you don’t write your decisions out!

Who Makes Funeral Decisions if You Die in Tennessee?

Similar to the above, if no one has been legally designated to make funeral decisions on their loved one’s behalf, it falls to the next-of-kin, which would be the spouse or adult children. Once the family member takes responsibility for making and paying for their loved one’s funeral arrangements, they sign a legal contract that obligates the funeral home to follow instructions from that family member alone. 

Make sure you tell your family what you want so there’s a consensus during a difficult time..

What if there are no next of kin?

If there are no next of kin (as defined above) and no personal representative, any other person willing to assume responsibility and arrange the funeral (including the funeral director) can make funeral decisions, after attesting that a good faith effort has been made. As for your estate, if no family can be found it will ultimately be turned over to unclaimed property.

Don’t leave a blank space for your family members to fill in regarding your end of life wishes. Don’t keep them second-guessing. Instead, leave something that people can read like a magazine to know what you want your life – and death – to be like. 
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Get the Prenup! Safeguarding Your Future with Prenuptial Agreements

Get the Prenup! Safeguarding Your Future with Prenuptial Agreements

Getting married is an exciting time: a celebration of love and commitment, and the beginning of a new chapter together. Along with the joy and happiness, it’s important to consider the practical aspects. 

One is the prenuptial agreement, often referred to as a “prenup.” While prenuptial agreements may not be the most romantic topic to discuss, they can play a vital role in safeguarding your future together and preparing for the difficulties of marriage before you say “I do.”

Do you remember the viral Reddit post of the man who was upset when his partner wanted to share the expenses of having a child? While that couple wasn’t legally married, this is the perfect example of how to negotiate a prenup. An experienced attorney will guide you through lots of questions when discussing your options for a prenup. Think of them as ways to get closer to your future spouse, rather than preparing for a break up. 

Regardless of what personal matters you may want to address within your prenuptial document, here are the primary reasons you should consider getting one. 

1. Financial Security

One benefit of a prenuptial agreement is the financial security it provides. A prenup allows couples to have open, honest conversations about their financial expectations and obligations. 

In outlining each person’s assets, debts, and financial contributions, both parties can feel secure knowing their rights and financial interests are protected. This helps minimize conflicts and misunderstandings during the marriage. Some points to consider about prenuptial agreements include:

  • Protection of pre-marital assets: It can ensure that property or assets acquired by either party before marriage remain in their possession after a divorce.
  • Clarification of financial responsibilities: Clearly stating each party’s financial obligations during the marriage can minimize potential disputes about finances.
  • Division of marital property: A prenup can provide guidelines for the division of marital assets in case of divorce, reducing time spent on legal battles. Consider that you intend to continue making contributions to your 401k after you wed. That account will likely become a marital asset and your spouse will become entitled to part of it, even if they didn’t personally put any money in. However, your intended spouse can waive your rights to the account as part of the discussion and signing of a prenuptial agreement. 

2. Protecting Family Interests

Another benefit of a prenuptial agreement is the ability to protect family members’ interests, particularly children from previous relationships. Addressing the distribution of assets and financial responsibilities in the event of a divorce or death can ensure that children from previous relationships are provided for.

Some thoughts about protecting family interests through a prenuptial agreement:

  • Protection of inheritance rights: This can outline the distribution of assets and inheritance rights so the intended beneficiaries receive their rightful share.
  • Financial protection for minor children: When partners have children from other relationships, a prenup can offer financial security for well-being and education.
  • Stress-free estate planning: Outlining property rights and distribution can simplify the estate planning process and minimize potential family conflicts. If your family or friends have ever started to use the phrase “gold digger” about your new beloved, a prenup is a clear way to make it clear what you want for everyone in your life. 

3. Preserving Business Assets

For business owners, a prenuptial agreement can protect entrepreneurial efforts and keep business operations running smoothly. It can also help shield business assets from division during a divorce.

Considerations for business owners when it comes to prenuptial agreements:

  • Protection of business interests: Establish that the business, including its assets and future growth, is considered separate property.
  • Succession planning: With succession planning, a prenuptial agreement can ensure the smooth transition of the business in case of death or divorce.
  • Financial stability for the business: Outlining the financial responsibilities and obligations of each partner can maintain financial stability and growth.

Prenuptial agreements are not just for the wealthy or those anticipating divorce. They are valuable legal tools for couples looking to protect their individual rights and interests. By addressing important financial and family matters upfront, prenups can build a strong foundation of trust, transparency, and shared goals.

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Talking about prenuptial agreements may feel uncomfortable or unromantic, but they offer benefits for couples preparing to tie the knot. Whether it’s about financial security, protecting family interests, or preserving business assets, a prenup can lay the groundwork for a successful and harmonious marriage. 

If you’re considering a prenuptial agreement, get in touch with an experienced attorney who can guide you through the process. At Graceful Aging Legal Services, we understand the significance of protecting your future together. We’re well-versed in  helping couples create prenuptial agreements that meet their unique needs. 

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