Directory of Services - Kerby Centre

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DIRECTORY OF SERVICES pRE-ARRANgEMENTS STEpS TO FOLLOW WhEN A SENIOR DIES • Will: Executor needs to locate a copy. Should be kept in an accessible/safe location. • Funeral: A pre-arranged funeral can save money and stress. For a low-cost alternative try Calgary Co-operative Memorial Society, 403-248-2044. • Documents: Executor needs list of bank accounts, credit cards, investments, insurance and organizations and people to be notified. FEDERAL gOVERNMENT Notify Service Canada (Income Security Programs) ..............................................................1-800-277-9914 • Old Age Security & Canada Pension: Cancel cheques. Social insurance number required. Estate is entitled to cheque received in month of death. • Lump Sum Death Benefit: Paid to the estate of contributors to Canada Pension. Application form usually provided by funeral home. • Survivor Benefit: Amount depends on what deceased paid into Canada Pension. Application form usually provided by funeral home. • Allowance: For widows/widowers between the ages of 60-65, depending on income. • Guaranteed Income Supplement: For widows/widowers over 65, depending on income. Notify Veterans Affairs Canada ..............................................................................................1-866-522-2122 Notify Canada Revenue Agency ..............................................................................................1-800-959-8281 • For GST rebate & info on submitting a final tax return. • Info on obtaining a Clearance Certificate after final tax has been accepted. pROVINCIAL gOVERNMENT Notify Alberta Seniors and Community Supports ....................................................................403-705-3239 • Alberta Seniors Benefit: Paid to low-income individuals over 65. Notify with deceased’s personal health number. • Special Needs Assistance: Help with funeral expenses may be available for surviving senior spouses who are eligible for Alberta Seniors Benefit. Notify Alberta Health Care ..................................................................Toll free 310-0000 then 780 427-1432 • Alberta Health Care should notify Alberta Blue Cross. If not, call 403-234-9666. Land Titles ..................................................................................................................................403-297-6511 • To transfer the title on Alberta real estate. Public Trustee ............................................................................................................................403-297-6541 • May need to consult this office if the deceased died without a will. MISCELLANEOuS • Financial: Notify banks, credit cards, investment dealers • Insurance: Notify car, home, vehicle and life insurers • Vehicle Registration: Contact private registry agent • Utilities: Notify phone, cable, electricity, gas • Death Certificate: Funeral director’s certificate should be sufficient for most purposes. If not, order one from any private registry agent. • Support/Counselling: Grief counselling is available from Alberta Health Services, Grief Support at 403-943-3533. See information sheets on Power of Attorney on page 24 and Wills and Estates on page 23 22 For Information please Call 403-265-0661
DIRECTORY OF SERVICES WILLS AND ESTATES: QuICK INFORMATION Will: A legal document that determines how property will be distributed after death. Both holograph and form wills are legal in Alberta if properly completed and signed. Due to the many legal problems that arise with do-it-yourself wills, it is often a better choice to hire a lawyer. Intestate: When a person dies without a valid will. Contact a lawyer or the Public Trustee (403-297-6541) for further information on handling this situation. Holograph Will: A will made entirely in a person's own handwriting and signed by the person. While a witness is not required, it is a good idea to have two independent witnesses sign the will. Holograph wills are leagal in Alberta (but may not be effective, depending on the wording on the will). This type of will may not be legal in all provinces. Executor: The person or persons named in a will to distribute the assets of the estate. Beneficiary: The person or organization (such as a charity) named in a will to receive the assets of the estate. The executor and the beneficiary may be the same person. Probate: Probate is the process by which a will is accepted as valid by a court and the appointment of the executor is confirmed. The court issues a document know as Letters Probate which the executor requires in order to distribute the assets of the estate to the beneficiaries. By planning ahead, it may be possible to avoid probate. Property that is held jointly with a spouse or other person is not subject to probate. Prior to any transfer of assets it may be advisable to obtain legal and accounting advice due to the costs involved and income tax consequences. Where the estate is small, probate may not be necessary. Probate is required when an asset such as a house or investment is solely in the name of the deceased person. In practice a will needs to be probated if an entity such as a financial institution or the Land Titles office asks for it to be probated. Applications for probate are generally made by lawyers but a lawyer is not required. Probate forms, in a package called Surrogate Court Rules, can be ordered from the Queen’s Printer at www.qp.alberta.ca or by dialing 310-0000 and asking for 780-427-4952. Clerks at the Court of Queen's Bench (403-297-7281) will supply limited guidance to individuals wishing to apply for probate without a lawyer. Joint Land Titles: It is often a good idea to have spouses listed jointly on a land title to eliminate the need for probate. However, lawyers DO NOT recommend that other individuals such as children or grandchildren be put on a land title. People do this because they believe it will be easier when the senior dies. BE VERY CAUTIOUS. This often creates more difficulties than it prevents. Adding another person to a land title is essentially giving that person an equal share in the property. While the senior is still alive, the property cannot be sold without that individual’s consent. Nor would that individual’s share in the property be considered part of the senior’s estate when they die. In addition, there may be income tax implications (capital gains) for the child/grandchild that would not apply if the property remains solely in the senior’s name. Calgary Seniors Directory of Services • 2011 23
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Page 7 and 8: A MESSAgE FROM MAYOR NAhEED K. NENS
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DIRECTORY OF SERVICES required and
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DIRECTORY OF SERVICES OppORTuNITIES
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NOTES DIRECTORY OF SERVICES Calgary
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Directory of Services - Kerby Centre

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