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Life Estate Planning – There are Fates Worse than Death!

As estate planners, most of our clients come to us seeking guidance as they plan for the end of their lives, focusing on how they are going to take care of those people and things they care about the most when they are gone. This is certainly a necessary endeavor, but planning for our timely or untimely deaths is only a part of comprehensive estate planning.

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Life Insurance and Estate Planning – What You Need to Know

Most people consider life insurance valuable primarily early in life when children are young, income is generally lower, a debt is high.  It is true that, generally, a family’s need for life insurance decreases as children get older and the family accumulates assets, but there are other ways to look at the role and value of life insurance that fall outside the need for immediate liquidity in the event a family’s income is interrupted by death.

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Final Phase of Mental Health Parity Law in Effect

The third and final phase of Washington state’s 2005 Mental Health Parity Law took effect July 1, 2010.  With this final phase of the law, insurance carriers must remove from state-regulated insurance plans any limits on the number of office visits or inpatient hospital days to treat mental disorders, unless the limits also apply to other health services covered under the plans.

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