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An Owner's Manual For Your Divorce - Installment 1

An Owner's Manual For Your Divorce is a 10 part podcast series presented by Joseph D. Visco, member of Stark & Stark's Divorce group. The series is intended to assist you in understanding the general process of a divorce from the initial discussions with your spouse to the post divorce follow-up.

This first installment will focus on the initial discussions that should take place when considering a divorce, how to handle these discussions, and what to include in them. This podcast will address how to tell the children, the things you need to be aware of in respect to banking information, how to continue the payments of basic bills, how to address parenting time with your spouse, and several other issues. You can download a copy of the installment notes here. (PDF)

You can download the first installment here. (2.2 MB)

Social Security Disability Benefits

Did you know that approximately 90% of all initial applications for social security disability benefits are rejected by the Social Security Administration?  Initial applications are reviewed by employees of Social Security, but not by a Social Security judge.  Once an applicant receives a denial of benefits from Social Security, he or she has 60 days to appeal the decision.  This must be done in writing, and the applicant  must request a hearing before a Social Security judge.  At this point it is wise to retain an attorney to represent you in your appeal.  60% of those applicants who retain an attorney to represent them on appeal are eventually awarded social security disability benefits by a social security judge. 

Significant Changes to Family Medical Leave Act Took Effect January 16, 2009

On November 17, 2008, the United States Department of Labor issued final regulations that made significant changes to the Family Medical Leave Act (“FMLA”). Employees are covered by FMLA if they have worked for their employer for at least 12 months, have worked for at least 1,250 hours over the previous 12 months, and work at a location where at least 50 employees are employed by the employer within a 75 mile radius. What follows is a summary of new regulations that took effect January 16, 2009.

Notice Provisions
Employers covered by FMLA are required to notify employees that they are a FMLA covered employer. This can be done by providing a notice to the employee upon hiring the employee or by providing some other form of written notice.

When an employee requests leave under FMLA or the employer has reason to believe that the nature of employee’s leave may qualify under FMLA, the employer must provide the employee with an eligibility notice, a rights and responsibility notice and a designation notice. Sample forms are provided in the final regulations. The final regulations state that the eligibility and designation notices must be provided within 5 days of the request of the employee or when the employer had reason to believe that the employee’s leave may qualify under FMLA.

The final regulations also make some changes to the time frame by which employees must give notice to their employer.  Employees must still provide 30 days’ advance notice of the need for leave, however, if 30 days is not possible, the employee must give the employer notice as soon as possible, which is defined as the same day or the next business day after the need for leave becomes known to the employee.

Breaks in Service by Employee
In determining whether or not the employee meets the 12 month employment requirement set forth above to be eligible for FMLA leave, employment periods preceding a break in service of more than seven years are not counted, unless the employee’s break in service was because of a required military service obligation, or because an agreement by and between the employer and the employee guarantees the employer will rehire after the employee experiences a break in service.

Defining the Twelve Month Period in Which an Eligible Employee Can Take the Twelve Weeks of FMLA Leave
The employer can use one of the following four methods for defining the 12-month period for FMLA leave:

  • The calendar year;
  • Any fixed 12-month period;
  • A 12-month forward period measured forward from the date of an employee’s first day of FMLA leave; or
  • A rolling 12-month period measured backward from the date of an employee’s first day of FMLA leave.

Military Leave Regulations
The final regulations define what constitutes “qualified exigency” and “military caregiver” leave.

Qualified Exigency Leave
This leave allows an employee to take up to 12 work weeks of leave arising out of the employee’s spouse, son, daughter or parent being on active duty or having been notified of an impending call or order to active duty in the armed forces. The regulations define the term “qualifying exigency” to include eight specific activities: short notice deployment, military events and related activities, childcare and school activities, financial and legal arrangements, counseling, rest and recuperation, post-deployment activities, and additional activities where the employer and employee agree to the leave.

Military Caregiver Leave
Eligible employees are entitled to take up to 26 work weeks of leave in any 12-month period to care for a spouse, child, parent or next of kin who is a covered service member with a serious injury or illness incurred in the line of duty on active duty. A “next of kin” is a service member’s nearest blood relative (other than the individual’s spouse, parent, son or daughter) in the following order of priority: blood relatives who have been granted legal custody of the service member, brothers, sisters, grandparents, aunt, uncles and first cousins.

Conclusion
Employers should immediately incorporate the changes for nonmilitary and military leave into their existing FMLA policies, adopt the new certification forms and general, eligibility, rights and responsibilities, and designation notices, and ensure that key personnel understand the changes to FMLA to ensure company compliance in the future.

An Introduction to Basic Estate Planning Documents

Estate planning is one of the most important things you will do in your life, however, many people put off estate planning because they are unsure what documents they will need, they believe that they don’t have sufficient assets to warrant the preparation of estate planning documents, or they feel as if they cannot afford the legal costs involved. The good news is that it is never too early or late to start estate planning. Even those individuals with little assets (and especially minor children) should have basic estate planning documents; documents that can be prepared by a trusted attorney for a reasonable fee. What follows is a brief introduction of basic estate planning documents.

  1. A Basic Last Will and Testament. A Last Will and Testament allows you to decide who receives your property and who manages your estate. A Last Will and Testament also allows you to name a guardian for any minor children. A Last Will and Testament may be the most important legal document you ever sign. Without a Last Will and Testament a court may decide who receives your property and cares for your minor children. A Last Will and Testament does not control the disposition of many of your assets. For instance, a Last Will and Testament usually does not govern the disposition of insurance benefits, pension benefits, 401(k) benefits, or assets held jointly with your spouse or others, therefore it is important to ensure that you coordinate the beneficiaries of these benefits with those in your Last Will and Testament.
  2. A Living Will and Healthcare Power of Attorney. A Living Will allows you to make important health care decisions for yourself, in advance. It is important to state your wishes ahead of time because it reduces the potential for conflict amongst family members and spares your loved ones from making difficult end of life choices. A Healthcare Power of Attorney allows another person to make medical decisions on your behalf. A Healthcare Power of Attorney can also serve as a legal “back-up” in the event that a hospital will not honor your wishes stated in your living will.
  3. A General Power of Attorney. A general Power of Attorney allows you to appoint someone to make financial and non-medical decisions on your behalf. A Durable Power of Attorney immediately grants power of attorney and remains in effect even if you become mentally incapacitated. A “Springing” Power of Attorney only goes into effect if a doctor certifies that you have become incapacitated. This type of Power of Attorney allows you to keep control over your affairs unless you become incapacitated.