No. Massachusetts does not provide for joint wills. Both you and your spouse need separate wills, even if you own all your property jointly. When the first spouse dies, all joint property will pass to the survivor. Therefore, the survivor who becomes the sole owner of the property needs a will. Because there is no way of knowing who will die first and who second, both spouses need wills.

Joint wills are probated when the first party to the will dies, preventing the will from being modified thereafter by the surviving spouse, since both parties must agree to any modifications. Joint wills prevent a surviving spouse or partner to change his or her mind about how the property should be distributed. Joint wills can tie up property for years, pending the death of the second spouse/partner, thereby making the joint will useless and outdated.

Joint accounts are not permitted in this Plan. However, you and your spouse may each establish separate accounts for the same Beneficiary or you may both contribute to the same account.

Yes. Only one account from the combined statement need be listed. If you receive a separate statement, then that account number would also have to be enrolled.

When you make your gift, include your spouse's name with your gift and indicate that you would like for the two of you to receive joint credit for the gift.

AccountAccess is based on the "Primary" SIN for each account. For security measures, there will only be one User ID and password for each account whether the account is individual or joint. Also, you will only have access to accounts for which your SIN is identified as the "Primary" SIN.

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No. All CashPay accounts will be issued in your name only, similar to how your paycheck is issued in only your name.

Yes, the surviving spouse can elect to file a joint return provided they did not remarry prior to the end of the tax year. Generally, no. Proceeds of life insurance policies are not taxable income unless the recipient paid for the right to receive them. For example, if you purchased a policy as an investment. Generally, yes. This is known as income in respect of a decedent. Since the deceased has not paid income tax on the distribution, the tax is owed by the recipient.

Yes, assuming the non-earner has not had any serious past credit problems, then they can join in a mortgage application with an earning spouse or partner.

We can prepare Affidavit of Death of Joint tenant, Spouse, or Beneficiary and will also record. We need an original death certificate, a copy of the deed showing how the deceased held title. We will prepare all proper papers and record.

Yes, you can both continue to log on to the account as usual. However, you may want to establish your personal image and name (name only for bill pay service), and security questions together so that you both know the answers if you are ever prompted to provide additional information when logging in. Yes, you can change your personal security image and name (name only for bill pay service) or security questions at any time.

If you wish to create a joint power of attorney you would need a specialized family and estate planning attorney who would draft up a particular document for you. In most cases (even between couples), a power of attorney is drafted for an individual. Most couples who use our service choose to create a second power of attorney for their spouse.

Yes. When you make your gift, include with your gift your spouse's name, graduation year and college and indicate that you would like to receive joint credit for the gift.

There you will sign a contract, which will allow you the access to the SmartTel services. At the moment of concluding the contract you will have to establish some options that will enable the services which you would like to benefit. (Samples:SmartTel SMS, SmartTel SMS Plus, SmartTel 3G sau SmartTel WAP). Do not overlook the options of alerts, which can keep you in touch in real time with the evolution of some situation on which you are focused.

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