Yes. Joint ownership is no substitute for a carefully drafted Will. You may have property in your sole name which you have forgotten; you may inherit from others; you and your joint owner may die in a common accident; or a number of other reasons make it prudent to have a Will.

Although joint property passes to the surviving joint tenant by right of survivorship, we would still recommend that you have a Last Will and Testament. Such Will should make provision for the division of your estate in the event that you and your spouse die more or less at the same time as a result of a common disaster, such as a motor vehicle accident.

A power of attorney is a written instrument by which one person (the principal) designates someone as his or her agent or attorney in fact to perform certain acts. If it is "durable," it continues in effect even if the principal becomes incompetent. This can be very important if you or your spouse becomes incompetent. It can avoid the appointment of a guardian or conservator for the management of assets.

If all or most of the debts are in your name only, your spouse may not have to file. Creditors usually cannot pursue a non-filing spouse, unless he or she is legally a co-debtor on the debt. Additionally, the bankruptcy should not be reflected on the non-filing spouse's credit report. The law does vary, however, from state to state so make sure you speak with a Macey & Aleman bankruptcy attorney about whether or not your spouse has to file.

If both you and your spouse want to be released from the obligation of paying joint debts, you will both have to file. Otherwise, if just one spouse files, only that person is discharged on the debt. The other spouse will remain liable on the debt. However, a spouse has the right to file solely, without the permission of his or her spouse, regardless of the other spouse's obligation on joint debts.

If your married the law recognizes you as one entity and can file either together as a couple (jointly) or either spouse (husband or wife) can file on their own. The law does not require that both file.

You sometimes may benefit from filing separately instead of jointly. For example if one spouse has large medical expenses, miscellaneous itemized deductions, or casualty losses and the two spouses' incomes are about equal. We always prepare returns both ways and determine which is the most advantageous.

It depends on your tax situation. Sometimes you may benefit from filing separately instead of jointly but only if certain criteria are met. One example would both spouse have similar income and expenses but filing joint may cause certain of these expenses to be limited, then filling separately maybe an option. We always look at this filing separate issue for all our clients.

Carrier: Under FRV shipments, the day of delivery the carrier will provide you with instructions on how to file a claim with them. The instructions may address this issue. If you have any questions, you should contact the carrier. If your question was not answered, then please call the Claims Service Center. Additionally, if you file your claim within the 9-month period with the Claims Service Center, we can also forward it to the carrier so you can still be entitled to FRV coverage.

Coverage eligibility for your former spouse under your Health Plan ceases at the end of the month that you divorce. You must complete a UVa Health Plan application to terminate your former spouse from the Health Plan and submit it to the University Human Resources Office of University Benefits within 60 days of the date of the divorce so that you will not continue to pay a premium for this coverage.

The local Caregiver Resource Center may be able to provide information on local Respite Services that give caregivers a break in many areas of Illinois. Respite Services provide for someone to come into the home ? similar to a sitter service ? while the caregiver runs errands, goes to appointments or handles business. Programs vary throughout the state, and some respite services may have a fee.

Small samples of stone are always available to take home as samples. Cut stone or large pieces must be purchased. No. Earth Products is supply only. We have some very good clients who do stonework, hardscaping, landscaping and pond installations professionally, and you may want to talk with them about your project. Check out our Installer page for a listing of these design and installation professionals. YES.

When you marry, your spouse is not automatically covered under your benefits. You may enroll your spouse and new eligible dependents for coverage under the University of Virginia Health Plan by submitting a UVa Health Plan Application along with a copy of your marriage certificate within the same plan year of the date of marriage, or within 60 days, whichever is greater. Coverage is effective the first of the month following the date of receipt of the application.

Only the principal applicant needs to qualify. The person who has the greater chance of qualifying should apply as the principal applicant.

Your spouse's name should be entered in your passport if you are applying for a L2 visa. You do not, however, need to have the same last name.

Many people may be covered by a spousal plan. However, such plans often prohibit therapeutic, wellness or complementary medical services or only pay a small portion of the total expense. Now there is a way to avoid additional billing expenses that you currently pay with after tax dollars, i.e., physiotherapy, laser eye surgery, naturopathic consultations, medications, etc.

You can serve the papers on your spouse by Registered Mail. Only your spouse can sign the Green Receipt Card as proof of service. You will then need to file that Green Receipt Card along with an Affidavit of Service by registered mail with the Clerk's office.