Guide to the Funeral Funds Act 1979 and the Funeral Funds Regulation 2011
|
|
- Ashlee Chapman
- 8 years ago
- Views:
Transcription
1 Cemeteries & Crematoria Association of NSW Guide to the Funeral Funds Act 1979 and the Funeral Funds Regulation 2011 This Guide explains those sections of the Funeral Funds Act 1979 and the Funeral Funds Regulation 2011 that relate to our members. It helps our members understand how and when they can take money for services which will be provided in the future.
2 Introduction The purpose of the Funeral Funds Act 1979 and the Funeral Funds Regulation 2011 is to protect money which is taken from a Customer as payment for certain services which are to be provided in the future, once that Customer has died. Such sales are referred to as Pre-need contracts, as opposed to At-need contracts. We have included a glossary at the end to help you understand the terminology used throughout the Guide. We have divided the services covered by this Guide into two groups: (a) Pre-need Funeral Services which include: (i) burial services; (ii) cremation services; (iii) the supply of goods connected with that burial or cremation service; (iv) interment fees; and (v) the supply of a burial site where the Customer does not immediately become the Holder of the specific site; and (b) Pre-need Burial Sites where the Customer immediately becomes the Holder of the specific site. The law requires that money taken for Pre-need Funeral Services be held on trust by one of the following two Registered Funds: (a) Pre-paid Funeral Funds; or (b) Funeral Contribution Funds. The Members of Cemeteries and Crematoria Association of NSW are not Registered Funds and so CANNOT hold money on trust for the provision of Pre-need Funeral Services. This Guide explains that in certain circumstances our Members can receive money as payment for Pre-need Funeral Services where receiving that money does not constitute holding the money on trust. This Guide does not address funeral insurance or funeral bonds. Penalties A breach of the Funeral Funds Act or the Funeral Funds Regulation will incur a penalty. Different penalties apply to different offences. The penalty for selling a Funeral Service on a Pre-need basis without either entering into a Pre-paid Contract or being a Funeral Contribution Fund is 20 penalty units (which at the time of writing equates to $2,200), and two penalty units for every day that the offence continues (currently $220). If a Member discovered that it had inadvertently held money incorrectly, the Member should contact NSW Fair Trading to obtain advice on remedying the situation. NSW Fair Trading will most likely view the voluntary disclosure favourably, and may simply recommend that the Member transfer the money, with interest, to a Pre-paid Funeral Fund. 2
3 Flow of money and services for Funeral Services sold in advance The following diagram shows how money flows when parties enter into a Pre-need contract. It also shows how services flow after the Customer has died. We will explain the different contracts below follow the corresponding colour: Contracts between Customers and Members for Pre-need Funeral Services Contracts for Pre-need Burial Sites Contracts between Customers and Funeral Contribution Funds for Pre-need Funeral Services CCA MEMBER Within 7 business days Money transferred after service provided PRE-PAID FUND CONTRIBUTORY FUND CUSTOMER Contract Flow of money at time of payment before the Customer has died Burial site* sale Flow of money or services for provision of services after customer has died Burial site* sale Contributory Contract Pre-paid Contract Contributory Contract Pre-paid Contract * Must satisfy The 4 Conditions 3
4 A. Contracts for Pre-need Burial Sites Generally, money received by Members for Pre-need Funeral Services must be forwarded to a Pre-paid Fund as explained in Section B below. There is one exception to this rule. A Member can keep money which is taken from a Customer on a Pre-need basis if, pursuant to a contract, that money is payment for a burial site which satisfies the conditions below (The 4 Conditions). Please note, however, that any money taken for services connected to that burial site, including any interment fees, must also be forwarded to a Pre-paid fund. The 4 Conditions (a) (b) (c) (d) Make it clear which site the Customer will get The Member must specify the site, or specify that it will be one of the sites within a specified area. The Member must own the site before the Member can sell the site At the time of entering the contract, the Member must own the site or specified area, or must have the power to assign the exclusive right to burial in the site or specified area. Do not over-sell The Member must not enter into a contract to provide a burial site in a specified area if all of the sites in that specified area have already been allocated to other Customers. Payment must only cover the burial site The contract must not promise to provide any services at all in connection with provision of the burial site. The contract cannot, therefore, include the interment service. What happens to the money? Money taken under a contract satisfying The 4 Conditions would be paid by a Customer to a Member at the time of the sale, and then retained by the Member as current day revenue. The Member has essentially completed the sale of the burial site and the Customer is then the Holder of the burial site which is available for use upon their death. Who provides the service? Once the Customer has died, the Member will make the burial site (that the Customer had pre-purchased) available for the Customer s burial. 4
5 What happens if a Member wants to sell a burial site as well as other services? If a Member sells a burial site in a contract that satisfies The 4 Conditions, then it can retain the money from that sale. If the sale includes any other service such as an interment, a funeral, the provision of flowers, or a cremation, then the additional services are deemed to be Pre-need Funeral Services. The Member should treat the sale of the burial site as one contract and the sale of the Pre-need Funeral Services as a separate contract. See Section B below for how the money from the Pre-need Funeral Services contract should be dealt with. Why can Members only keep some money? The purpose of the law is to protect the Customers money. The money from the sale of a Pre-need Burial Site does not need to be protected because the Customer has already acquired the asset at the time of payment. Although the Customer is not using the burial site, the Customer is nonetheless the Holder of that burial site. A contract for Pre-need Funeral Services, however, relies on the Member delivering the service when it is needed. If, for example, the Member went out of business after the sale but prior to the Customer s death, then that Member would not be able to provide the interment services or any other services at the necessary time. Therefore, any money paid for a service which would not be able to be provided to the Customer if the Member was to go out of business, must be protected by being forwarded to a separate fund. 5
6 B. Contracts between Customers and Members for Pre-need Funeral Services (Pre-paid Contracts) Which Funeral Services? If a Member wants to sell any of the following Funeral Services on a pre-need basis, it must enter into what is called a Pre-paid Contract: (a) burial services*; (b) cremation services*; or (c) a burial site where the contract does not satisfy The 4 Conditions. * Where a contract is for a burial service or cremation service, the supply of goods connected with that burial service or cremation service will also form part of the Pre-paid Contract. What is a Pre-paid Contract? A Pre-paid Contract is a contract between a Member and a Customer where the Customer chooses the types of goods and services to be supplied for the Customer s funeral, and pays for the cost of that Funeral Service in advance. The cost of the Funeral Service to be provided is fixed at the start. The contract may allow a Customer to pay for the Pre-paid Contract in a lump sum or by instalments, but the total amount to be paid cannot increase over time. Any amount paid to a Member under a Pre-paid Contract must be transferred to a Pre-paid Funeral Fund within seven (7) business days of the Pre-paid Contract being entered into by the parties. If the Customer changes his or her mind within thirty (30) days of entering into a Pre-paid Contract, the Customer may end the contract by providing notice in writing to the Member. The Member must refund all money to the Customer, but may keep $50. In the event that the Customer dies before paying the final instalment, the contract will prescribe whether or not the Customer will receive all of the Funeral Services under that contract notwithstanding that all the instalments had not been paid. 6
7 When can a Member enter into a Pre-paid Contract? And how? No Pre-paid Contract may be entered into by a Member until that Member has a contract with a Prepaid Funeral Fund where the Pre-paid Funeral Fund agrees to hold money on trust for the Member s Customers. A Member and the Customer must do the following before entering into a Pre-paid Contract: (a) a Customer must be provided with a document that includes all of the information listed below; (b) both the Member and the Customer must sign the document; and (c) the Customer must be provided with a signed copy of the document to keep. The document must include the following: (a) the name and contact details of the Member; (b) a statement to the effect that the use of a particular individual as the funeral director supplying the Funeral Service is not guaranteed; (c) (d) (e) (f) (g) (h) (i) (j) (k) (l) (m) (n) (o) the arrangements that will apply if the business of the Member is sold to another person before the Funeral Service is supplied; full details of each component of the Funeral Service to be supplied under the contract and the costs of each component, including any applicable goods and services tax; information about any components of the Funeral Service (which may be goods, services or facilities) that will not be supplied under the contract but that may be supplied for an additional charge at the time of the customer s death and funeral (so it is clear to the customer that not all aspects of the funeral have been paid for in advance); the name and contact details of the Pre-paid Funeral Fund to which payments are to be made; the amount and date due of any payment instalments applying under the contract and the arrangements that will apply if the Customer dies before all instalments have been paid; the geographic area (including outside the State) serviced by the Member; the arrangements that will apply if the Customer dies outside the area serviced by the Member and any associated additional transaction costs; the arrangements that will apply if the Customer moves out of the area (including interstate) or otherwise wishes to transfer the contract for the supply of the Funeral Services to another person; the existence of a 30 day cooling-off period after entry into the contract during which the Customer may end the Pre-paid Contract and have any money paid refunded (less $50); the circumstances in which the Customer has the right to cancel the contract after the cooling-off period has ended (either because of a right specified in the section Cancelling a Pre-paid Contract below or a right under the contract) and obtain a full or partial refund of money paid under the contract; a statement to the effect that the Pre-paid Contract is a legal document the terms of which can be changed only if both parties to the contract agree; a statement of any fees, brokerage or commission payable to any person in relation to the Pre-paid Contract; and if the services to be offered under the Pre-paid Contract include any of the items in Column 1 below, the Pre-paid Contract must contain a description of the service with the particulars described in Column 2 below in relation to that service: 7
8 Column 1 Column 2 Component of funeral service Particulars Supply of coffin or casket The principal material to be used in the coffin or casket; The type of lid on, and the method of closure of, the coffin or casket; The types of any external or internal trimmings on or in the coffin or casket; and The finish to be applied to the external surfaces of the coffin or casket. Provision of vehicles The classes of vehicles; and Conveyance of persons and the remains of the deceased Disposal of the remains of the deceased The number of vehicles in each class. The maximum distance over which conveyance will be provided; The maximum number of persons who will be conveyed; and The hours and days when conveyance will be provided without additional charge. Whether disposal is to be by way of burial or cremation. Provision of memorial or urn The design, size and material of the memorial or urn. The Member and the Customer must then sign again upon entering into the Pre-paid Contract: Upon entering into the Pre-paid Contract, the Customer must again be provided with a copy of a document that includes all the information listed above. Both the Member and the Customer must again sign the document and the Customer must be provided with a copy of that signed document to keep. What happens to the money? A customers pays money to the Member. Money taken by a Member under a Pre-paid Contract must be passed onto a registered Pre-paid Funeral Fund within 7 business days of the contract being entered into, or for subsequent payments, within 7 business days of the Member receiving that money. The Pre-paid Funeral Fund must then hold the money on trust for that Customer. Once the Customer has died and the Funeral Service has been supplied by the Member, the Pre-paid Trust will pay the Member the amount that was held on trust. A Pre-paid Funeral Fund may pay the money to the Member where the funeral is no longer needed with the approval of the Director-General or an inspector. Who provides the service? Once the Customer has died, the Member must provide the Funeral Service which was agreed to in the Pre-paid Contract. Cancelling a Pre-paid Contract The Customer, or the Customer s legal representative, may cancel a Pre-paid Contract by providing notice in writing to the Member: a) in the manner prescribed by the Pre-paid Contract; or b) if the Director-General is satisfied that the service will not be supplied because the Member has ceased to carry on the business; or 8
9 c) if the Member is unwilling or unable to supply the service when it is required; or d) if the Director-General is satisfied that the service was not carried out because the person who arranged for the service to be carried out did not know or had no reasonable means of knowing that the Pre-paid Contract existed. The Member can cancel the Pre-paid Contract by notice in writing to the Customer if the contract allows it. If a contract is cancelled according to the above rules, the Customer is entitled to be paid by the Pre-paid Funeral Fund all of the money held on trust by that fund under their contract at the time of cancellation. Where a Pre-paid Funeral Fund has reasonable cause to believe that a Funeral Service agreed to under a Pre-paid Contract is no longer required, and the contract cannot be cancelled in accordance with the rules above, the Fund may transfer the money to the Member with the approval of the Director-General. Recovering money for services where a Pre-paid Funeral Fund existed When a Member enters into a Pre-paid Contract with a Customer, that Member can only recover money from the Pre-paid Funeral Fund for payment for any Funeral Service it provides to that Customer. A Member cannot demand payment, or take action to recover any money from a Customer or anyone else unless: a) the Funeral Service supplied was different from or additional to the service that the Member had agreed to supply under a Pre-paid Contract; b) the person who agreed to the different or additional service had, before agreeing thereto, signed a statement to the effect that the person was aware that the deceased was entitled to be supplied without cost with the service specified in the contract but that the person agreed to the different or additional service; or c) the charges for the service so supplied are reduced by the amount paid or to be paid to the person from the trust funds under the Pre-paid Contract. 9
10 C. Contracts between Customers and Funeral Contribution Funds for Pre-need Funeral Services Funeral Contribution Funds are like funeral savings schemes. Funeral Contribution Funds undertake to provide Customers with Funeral Services upon their death. Customers make small periodic payments towards the cost of the Funeral Service until their death. Unlike Pre-paid Contracts, the cost of the funeral is not set at the date of entering into the contract. The contribution amount which customers pay is generally determined by the Fund based upon actuarial assessments. Members cannot take money from Customers for Funeral Contribution Funds because they are not registered to carry on contributory funeral benefit business. Funeral Contribution Funds may enter into contracts with Members whereby those Members supply any number of the services which the Funeral Contribution Fund had agreed to provide to Customers. What happens to the money? A customer pays periodic payments directly to the Funeral Contribution Fund. Upon the death of the Customer the Fund will then either contribute towards the payment of a Funeral Service or provide a cash benefit towards the cost of the service. The Fund may contract with, and pay money to, a Member for provision of the service. Who provides the services? A Funeral Contribution Fund that undertakes to provide Customers with Funeral Services may enter into a contract to have all or any number of those services carried out by one or more Members. Recovering money for services where the Member had a contract with a Funeral Contribution Fund Where a Member provides a Funeral Service to a Customer pursuant to a contract that that Member had with a Funeral Contribution Fund, that Member can only recover money for the service from that Funeral Contribution Fund. The Member cannot demand payment, or recover any money in court from a Customer or anyone else unless: a) the service supplied was different from or additional to the service that the Funeral Contribution Fund had undertaken to provide; b) the person who agreed to the different or additional service had, before agreeing thereto, signed a statement to the effect that the person was aware that the contributor to the Funeral Contribution Fund was entitled to be provided without cost with the service that the Funeral Contribution Fund had undertaken to provide but that the person agreed to the different or additional service; and c) the charges for the service so carried out are reduced by the amount that is equal to the cost of the service that the fund had undertaken to provide. 10
11 Glossary To help understand the Funeral Funds legislation, we have included a glossary of some commonly used words. The definitions provided are not the definitions from the Act they are a plain English description of the term: At-need Contributory Funeral Benefit Business Customer Director-General Funeral Benefit Funeral Contribution Fund Funeral Services Holder Member Pre-need Pre-need Burial Sites Pre-need Funeral Services Pre-paid Contract Pre-paid Funeral Benefit Business Pre-paid Funeral Fund Registered Fund Where the person who is to be provided with the service has already died and the service is required. A business offering a scheme or arrangement for the provision of the following Funeral Benefits to contributors: burial or cremation services; goods connected with that burial or cremation service; and the payment of money upon the death of the Customer for the purpose of meeting at least part of the expenses of that Customer s funeral. A person wishing to pay to receive a Funeral Benefit or a Funeral Service which will be provided to that person once the person has died. The Commissioner or equivalent for Fair Trading in the NSW Department of Commerce. Supply of burial or cremation services with or without the supply of goods connected with that service; or the payment of money upon the death of the Customer for the purpose of meeting at least part of the expenses of that Customer s funeral. The easy answer: A Funeral Contribution Fund is like a funeral savings scheme. The detailed answer: A Funeral Contribution Fund is a company or person registered to carry on Contributory Funeral Benefit Business. Burial services, cremation services, and in certain circumstances, the supply of a burial site 1. A person who has a holding (as defined in the Crown Lands Act 1989) of any crown land A member of Cemeteries & Crematoria Association of NSW Inc. At the time of writing this guide, no Member is a Registered Fund. Where the person who is to be provided with the service has not yet died and the service will be provided in the future, once that person has died. Burial sites which are sold to a Customer on a Pre-need basis that satisfy The Four Conditions set out on page 4 above. The following services which are sold to a Customer on a Pre-need basis: burial services; cremation services; the supply of goods connected with that burial or cremation service; interment fees; and the supply of a burial site where the Customer does not immediately become the Holder of the specific site. The easy answer: A Customer chooses the funeral that they will want and pays for it in advance of their death (either in a lump sum or by instalments). Pre-paid contracts are entered into between Members and Customers. The detailed answer: See Section B What is a Pre-paid Contract. Means the business of supplying Funeral Services under Pre-paid Contracts. A person or group that is registered to act as trustee of trust funds under Pre-paid Contracts. A Pre-paid Funeral Fund or a Funeral Contribution Fund. At the time of writing this guide, no Member is a Registered Fund. 1 Note: The Act does not include the supply of burial sites in its definition of Funeral Services. We have included it here to help explain that in certain circumstances the supply of a burial site does constitute a Pre-paid Contract. 11
12 PO Box A233, Sydney South NSW 1235 Document prepared for Cemeteries & Crematoria Association of NSW by Mills Oakley Lawyers
FUNERALPLAN BOND DISCLOSURE DOCUMENT
Dated 3 August 2015 FUNERALPLAN BOND DISCLOSURE DOCUMENT Incorporating Travel Protection Plan Issuer: Lifeplan Australia Friendly Society Limited ABN: 78 087 649 492, AFS Licence No. 237989 FuneralPlan
More informationConsumer Information Guide to Funerals, Burials
Consumer Information Guide to Funerals, Burials And Cremation Services Board of Funeral Services Losing a loved one can be a difficult and stressful time. Whether you need to arrange a funeral, burial
More informationBOARD OF FUNERAL SERVICES. Guide to Preplanning Funerals in Ontario
BOARD OF FUNERAL SERVICES Guide to Preplanning Funerals in Ontario The Board of Funeral Services would like to acknowledge everyone who took part in the review of this guide. The input provided by stakeholders,
More informationSTATE OF ILLINOIS COMPTROLLER LESLIE GEISSLER MUNGER TO ASSIST YOU WITH IMPORTANT DECISIONS ILLINOIS. Legal Rights and Protections Under Illinois Law
STATE OF ILLINOIS COMPTROLLER LESLIE GEISSLER MUNGER ILLINOIS CONSUMER GUIDE TO PRE-NEED CEMETERY SALES TO ASSIST YOU WITH IMPORTANT DECISIONS ILLINOIS Legal Rights and Protections Under Illinois Law ILLINOISCOMPTROLLER.COM
More informationILLINOIS CONSUMER GUIDE TO PRE-NEED FUNERAL AND BURIAL PURCHASES
STATE OF ILLINOIS COMPTROLLER LESLIE GEISSLER MUNGER ILLINOIS CONSUMER GUIDE TO PRE-NEED FUNERAL AND BURIAL PURCHASES Legal Rights and Protections Under Illinois Law WWW.ILLINOISCOMPTROLLER.COM STATE OF
More informationKerin Benson Lawyers Fact Sheet 4
Kerin Benson Lawyers Fact Sheet 4 Statutory Warranties and Residential Building Insurance Executive Summary Statutory Structural and Non- Completion is no later Available to successors in Primarily address
More informationHow To Write A Funeral Service Contract
AFSRB GUIDELINES FOR FUNERAL SERVICE CONTRACTS BACKGROUND: The funeral services industry in Alberta is governed by the provisions of the Funeral Services Act of Alberta ("FSA") and its regulations, particularly
More informationQUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE
QUESTIONS AND ANSWERS ON MEDICAL ASSISTANCE FOR NURSING HOME CARE Prepared by: Long Term Care Assistance Project, Maryland Legal Aid Updated January 2015 Medical Assistance is a government-funded program
More informationCHAPTER 441 CEMETERY AND FUNERAL TRUSTS
CHAPTER 441 CEMETERY AND FUNERAL TRUSTS SECTION 441-1 441-2 441-3 441-4 441-5 441-5.5 441-6 441-7 441-8 441-9 441-10 441-11 441-12 441-13 441-14 441-15 441-16 441-17 441-18 441-19 441-19.5 441-20 441-20.5
More informationQuestions & Answers on Medical Assistance for Nursing Home Care In Maryland
Questions & Answers on Medical Assistance for Nursing Home Care In Maryland 1. What is Medical Assistance? Will the Nursing Home or the State take my house? Will we have to use my spouse s income to pay
More informationDocument Control Sheet
Document Control Sheet Title Procedure Description: Target Audience: Framework in respect of financial assistance and / or arrangement of Funerals Framework in respect of the responsibility owed by the
More informationComplying With the Funeral Rule
Complying With the Funeral Rule Federal Trade Commission August 2012 Contents Introduction... 1 Who Must Comply With the Funeral Rule?... 2 Does the Rule Apply to Pre-Need Arrangements? The General Price
More informationComplying With the. Funeral Rule. Federal Trade Commission business.ftc.gov
Complying With the Funeral Rule Federal Trade Commission business.ftc.gov Contents Introduction....1 Who Must Comply With the Funeral Rule?....1 Does the Rule Apply to Pre-Need Arrangements? The General
More informationTitle 10 DEPARTMENT OF HEALTH AND MENTAL HYGIENE
Title 10 DEPARTMENT OF HEALTH AND MENTAL HYGIENE Subtitle 29 BOARD OF MORTICIANS AND FUNERAL DIRECTORS Chapter 06 Preneed Contract Authority: Health Occupations Article, 7-404, 7-405, and 7-504, Annotated
More informationSUMMARY OF PUBLIC CONSULTATION. January to April 2012. Regulations for The Prearranged Funeral Services Act
SUMMARY OF PUBLIC CONSULTATION January to April 2012 on Regulations for The Prearranged Funeral Services Act June 2012 OVERVIEW The Prearranged Funeral Services Act was strengthened in 2011 when government
More informationGENERAL INFORMATION FUNERAL/CEMETERY PLANNING
GENERAL INFORMATION FUNERAL/CEMETERY PLANNING A. GLOSSARY OF TERMS Ashes or Cremated Remains the product of reducing the human body through cremation Casket/Coffin - A box or chest for burying human remains.
More informationMaking Sense of Prepaid Funerals
Making Sense of Prepaid Funerals Thank you for enquiring about a prepaid funeral service with Stephen Baggs Funeral Directors. When people are first thinking of paying for a prepaid funeral we have often
More informationFUNERALPLAN PRE-PAID DISCLOSURE DOCUMENT
Dated 3 August 2015 FUNERALPLAN PRE-PAID DISCLOSURE DOCUMENT Incorporating Travel Protection Plan To be used in conjunction with a pre-paid funeral contract Issued by: Lifeplan Australia Friendly Society
More informationHow To Use The Word \"Funeral\" In North Carolina
Article 13D. Preneed Funeral Funds. 90-210.60. Definitions. As used in this Article, unless the context requires otherwise: (1) "Board" means the North Carolina Board of Funeral Service as created pursuant
More informationAnnuities - A Brief Guide
Verschoyle House 28/30 Lower Mount Street Dublin 2 Tel 01 613 1900 Fax 01 631 8602 Email info@pensionsboard.ie www.pensionsboard.ie The Pensions Board has prepared this booklet to help people understand
More informationMotor Accidents Compensation Amendment Act 2006 No 17
New South Wales Motor Accidents Compensation Amendment Act 2006 No 17 Contents Page 1 Name of Act 2 2 Commencement 2 3 Amendment of Motor Accidents Compensation Act 1999 No 41 2 4 Consequential amendments
More informationAvalon Funeral Plan. Key Features Document
Avalon Funeral Plan Key Features Document This document provides a summary of the key features, benefits, and risks of your Avalon Funeral Plan so that you can ensure that it meets your needs. You should
More informationPART 9 LEVIES 2. Page 1 Part 9
PART 9 LEVIES 2 OVERVIEW 2 SECTION 123 CASH CARDS 2 SECTION 123A DEBIT CARDS 2 SECTION 123B CASH, COMBINED AND DEBIT CARDS 2 SECTION 123C PRELIMINARY DUTY: CASH, COMBINED AND DEBIT CARDS 3 SECTION 124
More informationNATIONAL FUNERAL DIRECTORS ASSOCIATION
National Funeral Directors Association 13625 Bishop s Drive Brookfield, WI 53005 Ph. 800 228-6332 www.nfda.org NATIONAL FUNERAL DIRECTORS ASSOCIATION MODEL CONSUMER PROTECTION GUIDELINES FOR STATE PRENEED
More informationTERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card
TERMS AND CONDITIONS for the Select Retailer Group Prepaid Virtual Card and the Spend Anywhere Prepaid Virtual Card This Agreement applies to Your Virtual card. You must read it carefully. By applying
More informationPre-arranging your funeral
Pre-arranging your funeral What is a funeral plan? What is involved in taking out a plan? Why think about it today? Why choose us? In association with Responsive Respectful Trustworthy Accessible Progressive
More informationYOUR PLAN DETAILS AND APPLICATION FORM.
THE DIGNITY PREPAID FUNERAL PLAN YOUR PLAN DETAILS AND APPLICATION FORM. CHOICE OF 3 PLANS Legal & General working in association with: 2 YOUR APPLICATION FORM THREE LEVELS OF COVER AVAILABLE. There are
More informationFuneral Preplanning Options
MH O ROURKE FUERAL SERVICES 1800 FUERAL (1800 386 372) 113 Crawford Street Queanbeyan SW 2620 P: (02) 6297 1052 E: webmail@orourkefunerals.com.au Funeral Preplanning Options A GUIDE TO THE OPTIOS AVAILABLE
More informationNeed for LD 1717 To Permit Funeral Practitioners to Sell Preneed Insurance What are Impediments in Current Law and Regulation?
Need for LD 1717 To Permit Funeral Practitioners to Sell Preneed Insurance What are Impediments in Current Law and Regulation? The Insurance Code Prohibits Insurers from contracting with funeral directors
More informationGolden Leaves Funeral Plans
Golden Leaves Funeral Plans In association with WILL WRITERS TRAINING MANUAL Brief History of Funeral Planning There is nothing new in funeral planning. From all walks of society people have been planning
More informationBermuda s National Pension Scheme
Bermuda s National Pension Scheme Foreword This Memorandum has been prepared for the assistance of anyone who is considering issues relating to pensions in Bermuda. It deals in broad terms with the requirements
More informationContents. Planning ahead with Nelson Bros 3. Arrangements and options 5. Advantages of pre-paying 9. Legal and financial protection 11
Planning Ahead Contents Planning ahead with Nelson Bros 3 Arrangements and options 5 Advantages of pre-paying 9 Legal and financial protection 11 Frequently asked questions 13 Planning ahead with Nelson
More informationIN THE COURT OF APPEALS OF INDIANA
FOR PUBLICATION ATTORNEYS FOR APPELLANT: GREGORY F. ZOELLER Attorney General of Indiana FRANCES BARROW Deputy Attorney General Indianapolis, Indiana ATTORNEYS FOR APPELLEE: JON LARAMORE KEVIN M. KIMMERLING
More informationIndividual Savings Account Supplementary Terms
Individual Savings Account Supplementary Terms Individual Savings Account Supplementary Terms and Conditions for Stocktrade Retail Clients forming part of the Agreement between Stocktrade (a division of
More informationGN11A(ROI): CALCULATIONS REQUIRED UNDER THE FAMILY LAW ACT, 1995 OR THE FAMILY LAW (DIVORCE) ACT, 1996
GN11A(ROI): CALCULATIONS REQUIRED UNDER THE FAMILY LAW ACT, 1995 OR THE FAMILY LAW (DIVORCE) ACT, 1996 Classification Practice Standard Legislation or Authority This Guidance Note must be read in conjunction
More informationWhat to do after someone has died a guide
DEPARTMENT OF THE ATTORNEY-GENERAL AND JUSTICE www.nt.gov.au What to do after someone has died a guide The death of a loved one can be a particularly difficult time for friends and family. This guide is
More informationWILLS & ESTATES PROBATE
WILLS & ESTATES PROBATE What is Probate?... 1 When to Probate... 1 Executors Duties / Liabilities Locate and read the Will... 1 Obtain the Death Certificate... 2 Make funeral arrangements... 2 Arrange
More informationDECLARATION OF INTENTION TO PRESENT A DEBTOR S PETITION SUSPENSION OF CREDITOR ENFORCEMENT Bankruptcy Act 1966 Section 54A
DECLARATION OF INTENTION TO PRESENT A DEBTOR S PETITION SUSPENSION OF CREDITOR ENFORCEMENT Bankruptcy Act 1966 Section 54A Privacy The information you are required to provide on this form is collected
More informationCUBS SUPERANNUATION FUND Trust Deed. The Trust Company (Superannuation) Limited (Trustee)
CUBS SUPERANNUATION FUND Trust Deed The Trust Company (Superannuation) Limited (Trustee) Table of contents Part 1A - The Cubs Superannuation Trust... 1 Section 1 - Normal Operation of the Fund... 1 1 Joining
More informationPLEASE NOTE. For more information concerning the history of this Act, please see the Table of Public Acts.
PLEASE NOTE This document, prepared by the Legislative Counsel Office, is an office consolidation of this Act, current to May 30, 2012. It is intended for information and reference purposes only. This
More informationMotor Vehicles (Third Party Insurance) Act 1942 No 15
New South Wales Motor Vehicles (Third Party Insurance) Act 1942 No 15 Status information Currency of version Historical version for 1 January 2011 to 30 June 2011 (generated 6 July 2011 at 10:17). Legislation
More informationSt.George Quick Cover
St.George Quick Cover St.George Quick Cover is the fast and easy way to help protect the people you care about. Product Disclosure Statement and Policy Wording (PDS). Effective Date: 20 October 2014 Issued
More informationDepartment of Indian Affairs and Northern Development 11.7
Department of Indian Affairs and Northern Development 11.7 Funeral Costs General Principle A supplement may be provided to pay necessary funeral costs of any person who dies in BC if the estate of the
More informationA brief guide to the pension provisions of the Family Law Acts
A brief guide to the pension provisions of the Family Law Acts www.pensionsauthority.ie The Pensions Authority Verschoyle House 28/30 Lower Mount Street Dublin 2 Tel: (01) 613 1900 Locall: 1890 65 65 65
More informationPERSONAL RETIREMENT SAVINGS ACCOUNT (PRSA)
PENSIONS INVESTMENTS LIFE INSURANCE PERSONAL RETIREMENT SAVINGS ACCOUNT (PRSA) STANDARD GROUP PRSA POLICY DOCUMENT TERMS AND CONDITIONS ABOUT US Established in Ireland in 1939, Irish Life is now part of
More informationSkipton Funeral Plan. A simple way to pay towards funeral costs in advance. Provided by
Skipton Funeral Plan A simple way to pay towards funeral costs in advance Provided by A simple way to pay towards funeral costs in advance This guide tells you all about the Skipton Funeral Plan from Dignity.
More informationQUESTIONS TO BE CONSIDERED IN PREPARING YOUR WILL
QUESTIONS TO BE CONSIDERED IN PREPARING YOUR WILL 1. Please provide us with your and your spouse s (if applicable) full legal names, including all middle names, and your dates of birth. 2. Please provide
More informationFuneral Benefit Option
Provided by: Funeral Benefit Option Aviva, the provider of your Tesco Bank Over 50 s Life Assurance Policy, has teamed up with The Co-operative Funeralcare, the UK s leading funeral provider, to offer
More informationNFDA INSURANCE FORM PACKET
NFDA INSURANCE FORM PACKET Insurance is widely used to fund preneed and at-need funeral arrangements. In many cases, the ownership of existing insurance policies is assigned to a funeral home by a preneed
More information3. The law For ease of reference, the relevant sections of the Act are quoted in the Annexure.
INTERPRETATION NOTE: NO. 55 (Issue 2) DATE: 30 March 2011 ACT : INCOME TAX ACT NO. 58 OF 1962 (the Act) SECTION : SECTION 8C AND 10(1)(nD), PARAGRAPH 11A OF THE FOURTH SCHEDULE AND PARAGRAPH 2(a) OF THE
More informationThe Minister of Transport hereby publishes the above draft Bill and the
2 No. 38173 GOVERNMENT GAZETTE, 3 NOVEMBER 2014 No. CONTENTS INHOUD Page No. Gazette No. GENERAL NOTICE Transport, Department of General Notice 950 Road Accident Fund Amendment Bill, 2014: Publication
More informationYour Funeral Plan Guarantee
Your Funeral Plan Guarantee Within 28 days Funeral Planning Services will send you a Funeral Plan Guarantee Certificate, confirming your plan details and the fact that there will be nothing more to pay
More informationA guide to pre-paying your own funeral
A guide to pre-paying your own funeral Pre-Paying Your Own Funeral Funera We plan for nearly every financial eventuality we may face in life - investing for retirement and having health, house and contents
More informationST. JAMES S PLACE UNIT TRUST AND ISA
ST. JAMES S PLACE UNIT TRUST AND ISA SUPPLEMENTARY INFORMATION DOCUMENT PARTNERS IN MANAGING YOUR WEALTH This document sets out terms and conditions which summarise how we will manage your investment.
More informationCEPU Representatives Guidelines Australia Post Workers Compensation
CEPU Representatives Guidelines Australia Post Workers Compensation Introduction This Union Representatives Guide provides information on the following rights and entitlements of workers' compensation
More informationLegislative Fiscal Bureau One East Main, Suite 301 Madison, WI 53703 (608) 266-3847 Fax: (608) 267-6873
Legislative Fiscal Bureau One East Main, Suite 301 Madison, WI 53703 (608) 266-3847 Fax: (608) 267-6873 June 4, 2001 Joint Committee on Finance Paper #476 Treatment of Irrevocable Burial Trusts under MA
More informationNC General Statutes - Chapter 58 Article 60 1
Article 60. Standards of Disclosure for Annuities and Life Insurance. Part 1. Regulation of Life Insurance Solicitation. 58-60-1. Short title; purpose. (a) This Part may be cited as the "Life Insurance
More informationTICKETMASTER SINGLE EVENT TICKETING AGREEMENT. Ticketmaster NZ Limited. ( Ticketmaster ) and. ( Client )
TICKETMASTER SINGLE EVENT TICKETING AGREEMENT between Ticketmaster NZ Limited ( Ticketmaster ) and ( Client ) Event Venues THIS AGREEMENT is made the 2011. BETWEEN TICKETMASTER NZ LIMITED, Level 1, Citibank
More informationGuide to Executorship and Probate
Guide to Executorship and Probate NSW Trustee & Guardian provides professional and independent executor services to the people of NSW. Contents Introduction 3 What does it mean to be appointed an executor?
More informationPOLICY TERMS AND CONDITIONS.
OVER 50s LIFE INSURANCE POLICY TERMS AND CONDITIONS 1 POLICY TERMS AND CONDITIONS. T&C 17 2 POLICY TERMS AND CONDITIONS CONTENTS. 1. INTRODUCTION 2. DEFINITIONS EXPLAINED 3. COVER PROVIDED BY THIS POLICY
More informationUnit trust overview long form
Adviser Services trust overview long form OVERVIEW Set out in this document is a summary of the unit trust structure ( Trust). A general discretionary trust creates an equitable obligation binding a person,
More information1. Conditions or Limitations may apply to the delegations contained in this Instrument refer to table below.
ROAD TRAFFIC (MISCELLANEOUS) REGULATIONS 2014 AND (ROAD RULES ANCILLARY AND MISCELLANEOUS Preamble 1. Conditions or Limitations may apply to the delegations contained in this Instrument refer to table
More informationLodi Funeral Home. 725 South Fairmont Avenue Lodi, California 95240 (209)369-3564 Fax (209)369-3373 FD627. Thoughtful Service Within the Means of All
725 South Fairmont Avenue Lodi, California 95240 (209)369-3564 Fax (209)369-3373 FD627 Thoughtful Service Within the Means of All Since the founding of Lodi Funeral Home in 1932 by Samuel D. and Mildred
More informationEstate planning: Taxation of deceased estates
TB 20 Estate planning: Taxation of deceased estates Issued on 15 November 2010. Summary Under Australian law there are no duties, however, income and some capital transactions may be taxed as a consequence
More informationGolden Charter 50+ Funeral Plan Key Features Document
Golden Charter 50+ Funeral Plan Key Features Document This document is designed to help you decide which funeral plan and payment method is best for you. It also provides you with information about what
More informationKey Features of the Ascentric Pension Account (SIPP)
Key Features of the Ascentric Pension Account (SIPP) Introduction The Financial Conduct Authority is a financial services regulator. It requires us, Investment Funds Direct Limited (IFDL), to give you
More information13.75% VISA CLASSIC 12.75% VISA GOLD
Account Opening Disclosure Notice regarding the terms of your West Suburban Bank Visa Credit Card account. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 13.75% VISA CLASSIC
More informationAdministering a Deceased Estate DUNNING PLACE
Administering a Deceased Estate DUNNING PLACE Administering a Deceased Estate An executor appointed under a will is entitled to administer an estate. If there is no will, the closest relative is entitled
More informationYour death and disability benefits (Rio Tinto)
Rio Tinto Staff Superannuation Fund Guide 6 22 June 2012 Your death and disability benefits (Rio Tinto) The information in this document forms part of the Product Disclosure Statement for the Rio Tinto
More informationReferring cases to the Treasury Solicitor (BV)
(BV) A guide for local authorities and hospitals. The Estates Group of TSol s Bona Vacantia Division administers the estates of people who die intestate and without known kin. The Treasury Solicitor (TSol)
More informationA death in the workplace
Office of Fair and Safe Work Queensland A death in the workplace A guide for family and friends A death in the workplace a guide for families and friends Page 1 of 13 The State of Queensland Department
More informationPersonal Loans by Banks and Trust Companies Chapter 8, Article 8 8-815 to 8-829
Personal Loans by Banks and Trust Companies Chapter 8, Article 8 8-815 to 8-829 8-815 Terms, defined. As used in sections 8-815 to 8-829, unless the context otherwise requires: (1) Department shall mean
More informationThe Basics Tips for buying funeral insurance
The Basics Tips for buying funeral insurance Don't want to go to your grave in pink satin? Then consider buying a burial policy that allows you to choose and pay for everything ahead, from the coffin or
More informationUnderwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic
Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic representative of Hollard. Terms and Conditions apply. POLICY
More informationISA and Investment Funds Key Features
ISA and Investment Funds Key Features From Standard Life through Standard Life Client Management This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationCorporate Policy and Procedure
Page Page 1 of 15 TAB: SECTION: SUBJECT: FINANCE AND ACCOUNTING TAXES COLLECTION OF OUTSTANDING PROPERTY TAXES POLICY STATEMENT PURPOSE SCOPE The City of Mississauga collects taxes on behalf of the City,
More informationQUESTIONS AND ANSWERS ON MEDICAID FOR NURSING HOME RESIDENTS. 1. What is Medicaid? COLUMBIA LEGAL SERVICES OCTOBER 2015
QUESTIONS AND ANSWERS ON MEDICAID FOR NURSING HOME RESIDENTS COLUMBIA LEGAL SERVICES OCTOBER 2015 THIS PAMPHLET IS ACCURATE AS OF ITS DATE OF REVISION. THE RULES CHANGE FREQUENTLY. 1. What is Medicaid?
More informationJ.P. Morgan ISA and J.P. Morgan Investment Account
Key Features and Terms and Conditions Effective from 7 December 2015 J.P. Morgan ISA and J.P. Morgan Investment Account For J.P. Morgan Account holders TABLE OF CONTENTS PAGE 2 2 8 9 12 22 23 24 KEY FEATURES
More informationWorkers Compensation (Dust Diseases) Act 1942 No 14
New South Wales Workers Compensation (Dust Diseases) Act 1942 No 14 Status information Currency of version Historical version for 7 December 2010 to 31 July 2012 (generated 6 August 2012 at 09:31). Legislation
More informationKey Features of the Stocks and Shares ISA
Key Features of the Stocks and Shares ISA Copyright Notice This document is the property of Investment Funds Direct Limited and cannot be copied, modified, or stored on a computer system without the company
More informationRoad Accident Fund Act 56 of 1996 (RAFA)
Road Accident Fund Act 56 of 1996 (RAFA) Topic: Roads and Public Liability IN A CALABASH Introduction Road transportation is the major mode of transportation in South Africa. Despite a number of road laws
More informationQuestions and Answers about Medicaid for Those Receiving Long-Term Care in Idaho
Questions and Answers about Medicaid for Those Receiving Long-Term Care in Idaho Question 1: What is Medicaid? Answer: Medicaid is a government program that pays for medical services, including long-term
More informationWinding Up Part 11 of the Draft Companies Bill. Brendan Cooney Partner
Winding Up Part 11 of the Draft Companies Bill Brendan Cooney Partner Contents of Presentation Part 11: Winding Up 1. Chapter 1 Preliminary and Interpretation 2. Chapter 2 Winding Up by the Court 3. Chapter
More informationEUROPEAN UNION ACCOUNTING RULE 17 REVENUE FROM NON-EXCHANGE TRANSACTIONS (TAXES AND TRANSFERS)
EUROPEAN UNION ACCOUNTING RULE 17 REVENUE FROM NON-EXCHANGE TRANSACTIONS (TAXES AND TRANSFERS) Page 2 of 26 I N D E X 1. Introduction... 3 2. Objective... 3 3. Scope... 3 4. Definitions... 4 5. Non-exchange
More informationBERMUDA PENSION TRUST FUNDS ACT 1966 1966 : 204
QUO FA T A F U E R N T BERMUDA PENSION TRUST FUNDS ACT 1966 1966 : 204 TABLE OF CONTENTS 1 1A 2 2A 3 4 5 6 7 8 9 10 11 12 13 14 15 Interpretation Application where 1998 Act applies to pension plan Qualification
More informationBERMUDA 1978 : 25 LIFE INSURANCE ACT
Title 17 Laws of Bermuda Item 50 BERMUDA 1978 : 25 LIFE INSURANCE ACT 1978 ARRANGEMENT OF SECTIONS 1 Interpretation 2 Application 3 Insurer to issue policy 4 Contents of policy 5 Contents of group policy
More informationThe Fairways Funeral Plan
The Fairways Funeral Plan Terms & Conditions 1. Eligibility Paying in full with a single payment or by Fixed Monthly Instalments by Direct Debit The Plan Holder is eligible for either of these Payment
More informationTerms and Conditions
Terms and Conditions We want your decision to use Valour Financial Management services to be the best decision you have ever made towards regaining control of your financial situation. To that end we aim
More information5. ACCOUNT OPTIONS WHICH THE HOLDER MAY CHOOSE:
Submit In order to proceed with your application, please read the CIBC Tax-Free Savings Account Agreement and check the box at the bottom of the page to indicate that you agree to open a TFSA or contribute
More informationNC General Statutes - Chapter 58 Article 60 1
Article 60. Standards of Disclosure for Annuities and Life Insurance. Part 1. Regulation of Life Insurance Solicitation. 58-60-1. Short title; purpose. (a) This Part may be cited as the "Life Insurance
More informationPersonal Retirement Bond
Personal Retirement Bond Customer Guide This Customer Guide is to be read in conjunction with the Fund Guide. Introduction This guide applies to the Personal Retirement Bond. Zurich Life Assurance plc
More informationPolicy Summary for Over 50s Life Insurance Plans
Policy Summary for Over 50s Life Insurance Plans 1. Fixed Plan 2. Increasing Plan 3. Funeral Plan This is an important document, which you should read carefully so that you understand what you are buying
More informationGlossary of terms. Bond Quasi fidelity insurance needed by a person who acts as an insolvency practitioner.
Glossary of terms Administration Order a) A Court order placing the company that is, or is likely to become, unable to pay its debts under the control of an administrator following an application by, inter
More informationAs in force at 19 December 2002. South Australia CRIMINAL INJURIES COMPENSATION REGULATIONS 2002
As in force at 19 December 2002. South Australia CRIMINAL INJURIES COMPENSATION REGULATIONS 2002 REGULATIONS UNDER THE CRIMINAL INJURIES COMPENSATION ACT 1978 Criminal Injuries Compensation Regulations
More informationALLAN GRAY LIVING ANNUITY TERMS AND CONDITIONS
ALLAN GRAY LIVING ANNUITY TERMS AND CONDITIONS Allan Gray Living Annuity Terms and Conditions Policy document This document is your Policy Document. It summarises the Allan Gray Living Annuity and sets
More informationDIVIDEND REINVESTMENT PLAN
DIVIDEND REINVESTMENT PLAN TPG Telecom Limited ABN 46 093 058 069 DRP February 2009 1 Summary of the Rules The TPG Telecom Dividend Reinvestment Plan (DRP or the Plan ) allows shareholders in TPG Telecom
More informationMARCH 9, 2015. Referred to Committee on Commerce, Labor and Energy. SUMMARY Makes various changes relating to workers compensation.
S.B. SENATE BILL NO. COMMITTEE ON COMMERCE, LABOR AND ENERGY MARCH, 0 Referred to Committee on Commerce, Labor and Energy SUMMARY Makes various changes relating to workers compensation. (BDR -) FISCAL
More informationTRADING TERMS. Revised January 2012
TRADING TERMS Revised January 2012 Enquiries to: Commercial Services Harper Entertainment Distribution Services Yarrawa Road (PO Box 264) MOSS VALE NSW 2577 Phone 1300 551 721 Fax 1800 645 547 Harper Entertainment
More information211 CMR: DIVISION OF INSURANCE
211 CMR 31.00: LIFE INSURANCE SOLICITATION Section 31.01: Authority 31.02: Purpose 31.03: Scope 31.04: Definitions 31.05: Duties of Insurers 31.06: Pre-need Funeral Contracts and Arrangements 31.07: General
More information