VRI RCR REGIMENTAL VETERANS CARE THIS ESTATE PLANNER IS PRESENTED TO. (Name of entrusted person)

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1 THIS ESTATE PLANNER IS PRESENTED TO (Name of entrusted person) The personal record of vital information recorded in this Estate Planner is of value to you, your family, your lawyer and your executor. An executor is the person designated by the Will to administer your estate in accordance with your Will. The executor will carry out your wishes and take care of tasks such as filing tax returns, protecting your property and paying expenses. You should discuss with your lawyer/notary who should be your executor and how much he/she will be paid for carrying out that duty. Some people choose an individual such as a spouse, other family members or a close friend. Other people choose a trust company because they have expertise and are impartial when carrying out duties of an executor. There are Tax issues to consider. We live in a complicated world where a lack of records can bring about undue confusion, un-necessary friction and conflict, and avoidable expense to your loved ones. This is especially true when an estate is to be settled and questions which the deceased could have answered easily must be worked out slowly and laboriously. Sometimes the right answers are never found. The Family Registry Estate Planner is a simple yet effective method of making the necessary facts available to your family, lawyer, executor and funeral director. All personal and financial information should be closely guarded and only be viewed by trusted individuals. The RCR Regimental Veterans Care Cell urges you to take the time to complete this Estate Planner. Protected B (When Completed) 1

2 TABLE OF CONTENTS Cover Page Family Registry Table of Contents Personal Information Person most likely responsible for final arrangements Children & Relatives Important Medical Records Memorable Events Organization Affiliations Location of Important Papers Banking Information. 11 Safety Deposit Boxes Investment Information Military Pensions Will & Power of Attorney Insurance Cemetery Arrangements Funeral Arrangements and Special Wishes Helpful Information. 18 Veterans Affairs Decisions when a Death occurs Notes Funeral Home & Cemetery Listings Protected B (When Completed) 2

3 Personal Information Name/Initials Rank Service Number Social Insurance Number Date of Birth Place of Birth Address Home phone number Cell phone number Work phone number Father s Name Father s place of Birth Mother s Maiden Name Mother s place of Birth Occupation and Title Branch of Military Service Unit or Regiment Date of Enrolment Place of Enrolment Date of Release Place of Discharge Theatres of Service (Tours) This information can be used for emergency contacts and Regimental Announcements. (This is very sensitive information and should only be viewed by trusted individuals) Protected B (When Completed) 3

4 Person most likely responsible for carrying out final arrangements Name Relationship Address Phone number Name Relationship Address Phone number Name Address Relationship Phone number To Whoever takes the responsibility for Final Arrangements (Possibly Assigned Assisting Officer) In calm recognition of the inevitable, we have given thought to our personal wishes concerning the final arrangements each of us desires. We feel this now will minimize the emotional strain which will come upon whichever of us survives the other. Left alone, either of us would be burdened by the great pressure of decisions on unfamiliar matters which must be attended to immediately. Difficult as it has been for us to do this, we feel that a greater distress would be faced by one of us, or by our family and friends, we hope that they will help to avoid confusion, extra expense, or at least selfreproach which might arise because of doubts, omissions, or commissions. Signature Signature Date Protected B (When Completed) 4

5 Children Name/Gender Date & Place of Birth Address Phone Name/Gender Date & Place of Birth Address Phone Name/Gender Date & Place of Birth Address Phone Relatives Name Address Name Address Name Address Name Address Name Address Name Address Relationship Phone Relationship Phone Relationship Phone Relationship Phone Relationship Phone Relationship Phone Protected B (When Completed) 5

6 Important Medical Records List all special medical problems such as drug allergies or other conditions. Identify any family members who have a pacemaker. Name Registered with (Hospital) Blue Cross Card # VAC Card # I have a pacemaker/other medical conditions/allergies I wish to donate any required organs or tissue I have a living will YES NO (CHECK YOUR PROVINCE FOR LEGAL NAME OF THIS DOCUMENT AND LEGAL REQUIREMENT) Status of my living will (a document in which you stipulate your desire regarding treatments should you become ill or injured and can t communicate your wishes. It is quite common to write a living will saying that you do not want to be kept alive on artificial life supports is there is no hope of recovery) is as follows: Medical Problems My Doctor s name Doctor s address Doctor s phone # Protected B (When Completed) 6

7 Memorable Events Weddings, Graduations, Parties and other memorable occasions Name and Address Relationship Occasion Date Name and Address Relationship Occasion Date Name and Address Relationship Occasion Date Name and Address Relationship Occasion Date Stories you would like shared : Pictures or videos you like shared : People that can speak about stories : Phone # Family Church Phone # (This information will be used for Obituaries, Eulogies, Memorial Ceremonies, etc.) Protected B (When Completed) 7

8 Organization Affiliations Name of Organization Location Name & Phone # to notify contact Death Benefits Payable YES NO Name of Organization Location Name & Phone # to notify contact Death Benefits Payable YES NO Name of Organization Location Name & Phone # to notify contact Death Benefits Payable YES NO (This information will be used for Memorial Donations and cancelling memberships) Protected B (When Completed) 8

9 Location of Important Papers Indicate location by writing the words: Home, Safety Deposit Box, Work, Attorney, Other (Specify) Will Pictures for Funeral Deed to Home Copy of Mortgage or Lease Vehicle Bills of Sale Marriage Licence Military Discharge Papers MPRR Life Insurance Policies VAC Claims Gravestone Instructions Videos for Funeral Military Funeral OPI Location of Funeral Property Damage Insurance Stock Certificates Certificate of Funeral arrangements House Insurance Accident & Health Policies RRSP s Birth Certificate Citizenship Papers (If applicable) Tax Returns, Cancelled Cheques, and Receipts Certificate of Cemetery Lot, Crypt or Niche Ownership Other Important Documents Protected B (When Completed) 9

10 Banking and Investment Information With Banks or Trust Companies Name of Financial Institution Address of Financial Institution Phone # of Financial Institution Type of Account Name of Financial Institution Address of Financial Institution Phone # of Financial Institution Type of Account Name of Financial Institution Address of Financial Institution Phone # of Financial Institution Type of Account Safety Deposit Boxes Located at Name/Address/Phone # of Person familiar with location of Safety Deposit Box Keys Home Fire Box or Home Safe location and Entry Keys / Combination Protected B (When Completed) 10

11 Investment Information Credit Cards Credit Card Issuer Name Expiry Date Credit Card Issuer Name Expiry Date Credit Card Issuer Name Expiry Date Credit Card Issuer Name Expiry Date Stocks, Bonds, GIC s, Mutual Funds, RRSP s, Etc. Name of Financial Institution Investment Plan/Certificate # Name of Financial Institution Investment Plan/Certificate # Name of Financial Institution Investment Plan/Certificate # Name of Financial Institution Investment Plan/Certificate # Financial Advisor Name / Location / Phone # Protected B (When Completed) 11

12 Real Estate Investments (Residence, Business, Cottage, Investment Property, Etc.) Type of Property Purchase Date Address/Location Name and address of Mortgager Type of Property Purchase Date Address/Location Name and address of Mortgager Military Pension Active Employee Employer Insurer Policy/Plan # Primary and Contingent Beneficiary Retired Employee Employer Primary and Contingent Beneficiary Monthly Amount Payable Special Provision Military Medical Pension info Protected B (When Completed) 12

13 Important Facts about my Will Wills and Power of Attorney A will is a written document giving instructions for the deposition of your property after death and appoints a personal representative, called an Executor to deal with the property on your behalf. A Properly drawn, up-to-date Will is one of the most important protections you can give your family. Your Lawyer will be able to assist you in drafting a Will to reflect your wishes. In addition, he or she will answer your questions regarding the Executor and probate. It is advisable that everyone should have a Will in order to have control over the distribution of his or her property. A Will should be completed every five years or before an Operational Tour of Duty. A Will should also be updated when you have (or adopt) children, or have a change in marital status. In the absence of a Will, application must be made to the court to appoint an administrator to fulfill the duties that would otherwise be carried out by the Executor. The administrator appointed by the court may not be a person whom the deceased would have chosen. This is one of the reasons why a Will is so vital. You should choose an Executor who you trust and is willing to serve. Then discuss it with your lawyer. After you have made your Will, take your Executor into your confidence regarding your final wishes. It is also advisable that a qualified person be appointed as Power of Attorney who is not necessarily your Executor. This appointment gives that person the right to make decisions on your behalf should you become incompetent. Remember that having a Will and appointing a Power of Attorney (POA) is an expression of concern for the well being of those you love. It will also save your grieving family from guessing at numerous important decisions regarding your estate. *(A POWER OF ATTORNRY GIVES THAT APPOINTED PERSON THE LEGAL AUTHORITY TO ACT ON ANY DICISION AT ANYTIME ON YOUR BEHALF) Name My Latest Will, dated Held in confidence by Address The Executor of my Will is Phone # My Power of Attorney is Phone # My Lawyer is Phone # My Lawyer s address is Protected B (When Completed) 13

14 Life Insurance All serving Military Personnel will have SISIP coverage and should contact local office for details Company Name Policy # Amount Phone # Primary Beneficiary Company Name Policy # Amount Phone # Primary Beneficiary Disability Income Company Name Policy # Amount Phone # Primary Beneficiary Home Insurance Company Name Policy # Amount Phone # Primary Beneficiary Health Insurance Company Name Policy # Amount Phone # Primary Beneficiary Automobile Insurance Company Name Policy # Amount Phone # Primary Beneficiary Protected B (When Completed) 14

15 Cemetery Arrangements Eligibility for Burial at the National Military Cemetery (Beechwood Cemetery, Ottawa) can be referenced through DOAD (See Death & Disability Benefits Programs & Services. Pub ref # A-PS /AF We recognize the value of Pre-Planning and have made cemetery arrangements with (ensure you notify funeral home that cemetery arrangements are started): Name of Cemetery Address City Province Phone # Pre-Planned items: Ground Burial Cremation Niches Cemetery Lot Columbarium Niche Burial Vault Niche Urns Bronze Memorial Niche Memorial Granite Base Niche Vase Upright Monument Niche Opening/Closing Fees Ground Opening/Closing Fees Cremation Fees Cremation Burial Cremation Lot Cremation Vault/Urn Cremation Memorial Cremation Lot Opening/Closing Fees Cremation Fees Mausoleum Entombment Columbarium Niche Niche Urns Niche Memorial Niche Vase Niche Opening/Closing Fees Cremation Fees Lot #, Niche or Crypt # Certificate # DND supplied headstone or civilian (DND will defray cost not to exceed $ ) Headstone Inscription Military or civilian funeral service Specific requests see Notes on page 21. Protected B (When Completed) 15

16 Funeral Arrangements and Special Wishes Name Funeral Pre-arranged Funeral Home preferred Personal Wishes Visitation Preferred Afternoon Evening Both Embalming Open Casket/Viewing Type of Casket (wood/metal/cloth/colors) Church Service Funeral Home Chapel Service Flowers (type/favourites) Contributions in lieu of flowers (charity/assoc) Eulogy done by Name of preferred Escort Funeral OPI Pallbearers Other special wishes (music/poems) Spouse Name Funeral Pre-arranged Funeral Home preferred Personal Wishes Visitation Preferred Afternoon Evening Both Embalming Open Casket Type of Casket (wood/metal/cloth/colors) Church Service Funeral Home Chapel Service Fraternal Service Flowers (type/favourites) Contributions in lieu of flowers (charity/assoc) Eulogy done by Pallbearers Other special wishes (music/poems) Protected B (When Completed) 16

17 Current as of July Helpful information on Benefits The main purpose of the following section is to call attention to certain benefits which are available as well as to the many decisions which face the survivor. The intent is to guide your own family and possibly help a friend or relative who has not prepared. Canada Pension Plan Survivor Benefits The Canada Pension Plan (CPP) provides survivor benefits which are payable in one of three ways. Death Benefit: A lump-sum payment paid to the estate of a deceased contributor. Surviving Spouse s Pension: A monthly pension paid to the surviving spouse of a deceased contributor. Orphans Benefit: A flat rate monthly benefit provided for the dependent children of a deceased contributor. To be eligible for benefits, the deceased must have contributed one third of the years since 1966 or since age 18 and a minimum of three years of contribution. Amounts of benefits vary according to the number of years and amount paid by the deceased into the Canada Pension Plan. How to Claim Pension Benefits Payment of survivor benefits is not automatic. Application for benefits should be made promptly because of two items: 1. There is a waiting period from several weeks to several months before payments begin on an approved claim. 2. The number of back payments (for months elapsed between the time of death and the date of application) is limited to twelve; failure to apply within one year of the date of death will result in lost benefits. It there is no estate, the surviving spouse, the next of kin orperson responsible for the funeral expense may apply. The following documents are required; Social Insurance number/birth Certificate for: a) Deceased contributor b) Surviving spouse c) Any dependant children Marriage Certificates Proof of full time attendance at school or university for children between years of age. Death Certificate or Funeral Directors Statement of Death. Copy of funeral contract or receipt for funeral expenses indicating who has assumed responsibility for funeral costs. For additional information please call Income Security Programs Employment Insurance Benefits If the deceased person was collecting employment insurance benefits at the time of his/her death, the estate of the beneficiary is eligible for the money that ordinarily would be coming form the beginning of the current reporting period to the date of death. For example, if the death occurred on a Monday, there are no benefits payable to the estate. For E.I. benefits the survivor must notify the employment insurance office immediately for the necessary forms. The cheque will be made payable to the estate of the deceased. Protected B (When Completed) 17

18 Veterans Affairs Certain veterans are eligible for a full or partial burial allowance through grants by the Department of Veterans Affairs, or by the Department of Pensions by the Last Post Fund. The Last Post Fund ensures the provision of an honourable burial and suitable grave marking for veterans of Her Majesty s or Allied Forces who die without means to provide for a proper funeral and burial. Assistance in determining qualification can be secured through the local Department of Veterans Affairs. They will also assist in determining eligibility for a widow s pension. It you are entitled to veterans benefits, to enter a claim on a veterans insurance policy, the beneficiary or the legal representative must visit or write the nearest Veterans Affairs Department and fill out a claim form. In some cases, a death certificate and discharge papers might be required. If the claim is approved, payments should normally begin within thirty days. Eligibility for Burial at the National Military Cemetery (Beechwood Cemetery, Ottawa) can be referenced through DOAD (See Death & Disability Benefits Programs & Services. Pub ref # A-PS /AF-007) Beechwood Cemetery 280 Beechwood Avenue, P.O. Box 7025 Ottawa (Ontario) K1L 8E2 Telephone: Fax: info@beechwoodcemetery.com Protected B (When Completed) 18

19 87 Things That Must Be Done When A Death Occurs In The Family * Indicates details that can be planned or paid ahead of time A) Secure Vital Statistics 1. Name, home address and phone number* 2. How long at present address* 3. Name of business or employers address and phone #* 4. Occupation and Title* 5. Social Insurance Number* 6. Military Service Number* 7. Date of Birth* 8. Place of Birth* 9. Citizenship* 10. Father s name* 11. Father s birthplace* 12. Mother s maiden name* 13. Mother s birthplace* 14. Religious name (if any)* C) Collect Documents (Required to establish rights for insurance, pensions, social security, ownership, etc.) 30. Will* 31. Legal Proof of age or birth certificate* 32. Social Insurance Number* 33. Marriage license* 34. Citizenship papers* 35. Insurance policies (life, health, automobile, property)* 36. Bank books* 37. Deeds to property* 38. Bill of Sale for vehicles* 39. Income tax returns, receipts or cancelled cheques* 40. Military discharge certificate* 41. Disability claims* 42. Cemetery Certificate of Ownership* E) Notify as soon as possible 75. The doctor 76. The funeral director 77. The cemetery 78. Relatives 79. Friends 80. Employer of deceased 81. Employers of relatives not going to work 82. Pallbearers 83. Insurance Agents (Life, Health & Accident) 84. Religious, fraternal, civic, veterans organizations 85. Newspapers regarding notices 86. Lawyer, accountant and executor 87. VAC B) Pay For 15. Cemetery Property* 16. Memorials* 17. Funeral Arrangements* 18. Internment Service* 19. Clergy 20. Florist 21. Clothing 22. Transportation 23. Telephone/telegraph 24. Food & Accommodation 25. Doctors 26. Nurses 27. Hospital and Ambulance 28. Medicine and Drugs 29. Other current and urgent bills (mortgage or rent, taxes, and instalment payments) D) Decide and Arrange within a Few Hours 43. Cemetery lot location and which space to open* 44. Memorial type and inscription* 45. Casket type* 46. Clothing for deceased* 47. Vault or sectional crypt* 48. Type of service (religious, Military, fraternal)* 49. Special selection from scriptures* 50. Clergy to officiate 51. Which funeral home* 52. Place where service will be held* 53. Time of funeral service 54. Information for eulogy* 55. Select pall-bearers* 56. Flowers 57. Music* 58. Clothing for you and children 59. Home prep-food, beverages, family 60. Extra chairs 61. Tpt of family/guests & funeral car list* 62. Signing of necessary burial permit papers 63. Provide deceased vital stats to newspaper 64. Provide address/phone # s to interested pers 65. Answering sympathetic ph calls/messages 66. Meet with funeral director and cemetery rep* 67. Greeting friends and relatives who call 68. Meeting relatives who come from out of town 69. Providing lodging for out of town relatives 70. List of callers/floral tributes for thank you cards 71. Arranging for special religious services* 72. Check will regarding special wishes* 73. Order death certificate 74. Look after minor children Protected B (When Completed) 19

20 Notes: Protected B (When Completed) 20

21 Notes: Protected B (When Completed) 21

22 The following is a list of Funeral Homes that you may wish to contact. They are for your convenience and have no Regimental Affiliation. Protected B (When Completed) 22

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