Shaw on the Law: Incorporating faith and values in estate planning

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By Steve Shaw, Contributing Columnist:

For many, passing along religious beliefs and values to the next generation is just as important as passing along financial wealth and tangible assets. Estate planning creates many opportunities to do this, including:

Shaw on the LawEnd-of-Life Care:

A health care power of attorney (Advance Directive in some states) lets you name someone to make medical decisions for you in the event you cannot make them yourself. This can be someone who shares your faith and values about end-of-life issues or someone who will honor your wishes. In either case, it is a good idea to provide written instructions about things like organ donation, pain medication (some may want to remain conscious at the end of life), hospice arrangements, even avoiding care in a specific facility. A visit by a priest, rabbi or other member of clergy may be desired. Pregnant women may want to include their preference on medical decisions that would impact the mother and her unborn child.

Funeral and Burial Arrangements:

Faith can influence views on burial, cremation, autopsy, even embalming. Faith may also influence certain details in a funeral or memorial service. Some people pre-plan their services and include a list of people to notify (which can be helpful for a grieving family). Some even pre-pay for the funeral and burial plots to prevent their loved ones from overspending out of grief and/or guilt.

Charitable Giving:

Giving to others who are less fortunate is common among people of all faiths. Making final distributions to a church or synagogue, university, hospital and other favorite causes will convey the value of charitable giving to family members.

Distributions to Children and Grandchildren:

Taking the time to plan how assets are left to family members lets them know how much they are loved, and is another way to convey faith values. For example, providing for the religious education of children and/or grandchildren speaks volumes. Parents of young children can select someone who shares their religious views to manage the inheritance. A letter of instruction to the guardian can include views on the care and upbringing of young children, which are often influenced by faith.

If the children are older and a son- or daughter-in-law is not fully trusted, an attorney can assist with providing for a son or daughter in a way that will prevent an inheritance from falling into the wrong hands. However, making an inheritance conditional or disinheriting a child or grandchild who marries outside the faith or doesn’t share their parent’s faith can backfire. We cannot really force someone to believe as we do, and trying to do so by withholding an inheritance will only create discord in the family and may not be recognized. The emotional scars on the family, especially if a bitter legal fight results, are probably not what parents want for their family.

Transferring faith and values to family members is best done over time, by letting them see your faith at work in your life, taking them to religious services and letting them see you being charitable. But it’s never too late. Talk to your family while you can. Explain what your faith means to you and how it has helped you through difficult moments in your life. You can also write personal letters or make a video that they can keep and review long after you are gone.

Related on the Tribune:

Shaw on the Law: VA benefits for long-term care of veterans, surviving spouses

Shaw on the Law: Will I keep my home if my spouse dies?

Shaw on the Law: Should I disinherit a child?

Shaw on the Law: Estate planning for young families

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Steve Shaw is an attorney with offices in Travelers Rest, SC, and Silver Springs, FL. He specializes in estate planning, accidents, gun law and land use issues. Learn more at his website here or call 864-834.4404.

S.C. Legislative Report with Rep. Mike Burns: At last!

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By S.C. District 17 Representative Mike Burns:

Led by Republicans, the SC House ushered through sweeping government reforms last week intended to balance the power between the Governor and the legislature, making our Governor a 'Chief Executive Officer' and bringing more accountability to state government. This is the fifth time in six years that the House has approved similar legislation. Last year, it died in the final hour of a Senate filibuster.

South Carolina State HouseDOA: At issue is the proposed Department of Administration (DOA). Currently, SC is the only state that operates with a "Budget & Control Board" – a strange hybrid of the legislative and executive branches that essentially controls most major functions of our state government.

This year, the House worked with the Senate to approve substantively similar versions of the legislation that moves human resources, information technology and administration of the state's physical plant and vehicles under the control of the governor. This plan moves nearly 90 percent of the old Budget & Control Board's functions to the governor's cabinet, where these basic administrative functions belong. This move will make state government more accountable and make our Governor a true chief executive. Above all, no matter who lives at the governor's mansion, it is the right thing to do.

One small vestige of the old Budget & Control Board will live on. The new State Contracts and Accountability Authority will continue to oversee the state auditor, bonding authority, insurance services and annual retirement assumptions. We had to keep this separate because of concerns about how putting all of that under the control of the governor might threaten our state's AAA credit rating.

Our state government can be a cumbersome and unwieldy entity at times, with our Governor overseeing a few things, the General Assembly overseeing others and the Budget & Control Board overseeing even more. As a conservative, I fundamentally favor smaller, more streamlined government. That desire is at the heart of this legislation.

Budget Week(s) in the Senate: The SC Senate spent the week debating the 2013-14 state budget the House sent them in March. Much discussion has focused on funding highway improvements. There are nearly as many ways to pay for roads as there are factions in the Senate.

Fixing Our Roads Could Save You $$$:

According to the SC Alliance to Fix Our Roads, SC drivers pay less than $10 a month in fees to use our highways. According to the Federal Highway Administration, each dollar spent on road improvements results in an average benefit of $5.20 in reduced vehicle maintenance costs, reduced delays, reduced fuel consumption, improved safety, reduced road and bridge maintenance costs and reduced emissions.

The UNaffortable Care Act: State Senators will also be debating the potential expansion of Medicaid under ObamaCare. The House has already voted not to expand Medcaid. In the partisan argument to take advantage of what some believe is 'easy money' from the feds, it's vital to consider the facts. The Palmetto Policy Forum has issued a report.

Potential Medicaid Solution: Health policy in South Carolina and in most other states is highly controversial and difficult to navigate. One group demands the state extend free medical coverage to hundreds of thousands of people via a very expensive expansion of Medicaid. Opponents recognize that the expansion proposed under ObamaCare is unaffordable. That's the goal of the recently-filed bill, H.4095. Like any legislation, it will be hotly debated and come under tough scrutiny. That's good because the legislative process sorts out critical issues. Activists have already lashed out against the initiative. However, saying "NO" to everything is not an answer. We must be pro-active to manage, improve, yet contain Medicaid costs.

I'm not an health care expert, but I am willing to hear from experts – both supporters and opponents of this bill. The ultimate goal is to craft legislation that best serves the people of SC that is affordable in both the short term and long term. That's the legislative process. H.4095 is not perfect and it is expected to morph into something beneficial and cost effective while improving our Medicaid system. If it doesn't, I'll oppose it. We are only at the starting gate; this discussion will continue into 2014.

Medical Help for Students: 'Epi' pens will soon be common place in SC public schools. The injectors deliver a dose of epinephrine (also known as adrenaline) to be administered when students have a severe allergic reaction. The House approved the bill with Senate amendments. It goes to the Governor for her signature.

Miscellaneous:

Last week was a busy week, and it was been my privilege to participate in two events here at home.

On Thursday night, my wife, Anne, and I attended the Greenville County Schools 2013 Salute to Education Celebration at the TD Bank Center. Dale Gilbert did an excellent job as emcee in recognizing outstanding Staff and High School Seniors. We are proud to salute these from our area: Amy Clark (Gateway Elementary), SC Social Studies Teacher of the Year; Beverly Wilbanks (Blue Ridge Middle), National Outstanding Career Development Facilitator; Tracy Jackson, Blue Ridge High School’s Teacher of the Year; Cyndi Brown, Blue Ridge Middle’s Teacher of the Year; Angel McCray, Mountain View Elementary’s Teacher of the Year; Glenn Roberts, Slater-Marietta’s Teacher of the Year; Joanne Hogeboom, Gateway Elementary’s Teacher of the Year; Jennifer Barlett, Tigerville Elementary’s Teacher of the Year; Brittany Kingsbury, Heritage Elementary’s Teacher of the Year; Susanne Lafaye, Travelers Rest High’s Teacher of the Year; and Kathi Christy, Northwest Middle’s Teacher of the Year.

Also recognized were outstanding high school seniors: Travelers Rest High School's Kayla Michelle Wiles (Valedictorian), Matthew Christian Hice and Logan Daniel Williams as well as Blue Ridge High School's Warren Ward Metcalf (Valedictorian), Katelyn Augusta Herman, and Aaron Matthew Anderson.

On Friday at Jones Gap State Park, I participated in the opening of the Middle Saluda Passage Hiking Trail. The trail connects to the Palmetto Trail, which runs throughout the state.

The week brought to a close my visits to all nine schools in the area. It has been great to meet every principal and many of the students. I am very impressed with all I’ve experienced over the last month and appreciate the wonderful reception afforded me at each school.

Thank you for the privilege of serving you in Columbia. If I can ever be of assistance, or if you have ideas on issues you want me to share with the rest of the General Assembly, please don’t hesitate to contact me here.

Shaw on the Law: VA benefits for long-term care of veterans, surviving spouses

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By Steve Shaw, Contributing Columnist:

Many wartime veterans and their surviving spouses are currently receiving long-term care or will need some type of long-term care in the near future. The Veterans Administration has funds that are available to help pay for this care, yet many families are not even aware that these benefits exist.

Shaw on the LawPension with Aid and Attendance pays the highest amount and benefits a veteran or surviving spouse who requires assistance in activities of daily living (dressing, undressing, eating, toileting, etc.), is blind, or is a patient in a nursing home. Assisted care in an assisted living facility also qualifies.

Pension with Housebound Allowance is for those who need regular assistance but would not meet the more stringent requirements for Aid and Attendance, and wish to remain in their own home or the home of a family member. Care can be provided by family members or outside caregiver agencies.

Basic Pension is for veterans and surviving spouses who are age 65 or older or are disabled, and who have limited income and assets.

Qualifying for Benefits

A veteran does not need to have service-related injuries to qualify for these pension benefits, but must meet certain wartime service and discharge requirements. A surviving spouse must also meet marriage requirements to the qualified veteran. Certain requirements must be met for a disability claim if the claimant (the veteran or surviving spouse filing for benefits) is less than age 65.

When determining eligibility, the VA looks at a claimant’s total net worth, life expectancy, income and medical expenses. A married veteran and spouse should have no more than $80,000 in “countable assets,” which includes retirement assets but does not include a home and vehicle. This amount is a guideline and not a rule.

Income for VA Purposes (called IVAP) must be less than the benefit for which the claimant is applying. IVAP is calculated by subtracting “countable medical expenses” (recurring out-of-pocket medical expenses that can be expected to continue through the claimant’s lifetime) from the claimant’s gross income from all sources.

Note: It is possible to reduce assets and income to a level that will be acceptable to the VA. For example, excess liquid assets (such as cash or stocks) could be converted to an income stream through the use of an annuity or promissory note. However, because the claimant may need to qualify for Medicaid in the future, it is critical that any restructuring or gifting of assets be done in a way that will not jeopardize or delay Medicaid benefits. An attorney who has experience with elder law will be able to provide valuable assistance with this.

Applying for Benefits

It often takes the VA more than a year to make a decision, but once approved, benefits are paid retroactively to the month after the application is submitted. Having proper documentation (discharge papers, medical evidence, proof of medical expenses, death certificate, marriage certificate and a properly completed application) when the application is submitted can greatly reduce the processing time.

Because time is critical for these aging veterans and their surviving spouses, application should be made as soon as possible. For more information, visit http://www.va.gov.

Related on the Tribune:

Shaw on the Law: Will I keep my home if my spouse dies?

Shaw on the Law: Should I disinherit a child?

Shaw on the Law: Estate planning for young families

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Steve Shaw is an attorney with offices in Travelers Rest, SC, and Silver Springs, FL. He specializes in estate planning, accidents, gun law and land use issues. Learn more at his website here or call 864-834.4404.

Outdoor Journal: Fly fishing on small streams

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L Woodrow Ross

By L. Woodrow Ross, Contributing Columnist:

Saturday was well spent at Western Carolina University. My wife Margaret and I attended a Fly Fishing Festival there, sponsored by North Carolina's Jackson County Department of Tourism, who in turn sponsors the "Fly Fishing Trail" in North Carolina.

L. Woodrow Ross

The trail is comprised of 15 top-notch locations in and around Jackson County. They are promoted by the Tourism Department by publication of a high-quality, glossy map and various events to publicize the excellent fishing, lodging and other activities in the area. (Those interested can received a map by requesting one online here.)

There were many excellent seminars offered. The demonstration of fly tying techniques was excellent, with one of the largest groups present that I have witnessed at such an event. Vendors were there from many local, state and national fly shops and brands as well as numerous guide services.

We enjoyed a seminar on "Improving your fly fishing and outdoor photography" by Trent Sizemore. We picked up some good tips.

Ian and Charity Rutter are guides that work primarily in Tennessee and North Carolina. They presented a seminar titled, "Catch More Fish: Fish like a predator". Basically, they related fishing to animals stalking their prey and gave some great pointers on how attitude and stealth can affect our success.

Jim Casada, a noted author, book and magazine editor and a good friend of ours, lectured on "Tactics and Techniques for Small Streams". Jim shared some personal anecdotes, advice acquired over many years on the stream and advice absorbed by his close association with some of fly fishing's legendary figures. Jim is a folksy, knowledgeable individual that imparts wisdom in a manner that anyone could understand.

Jim stressed the importance of wearing colors that blend with the surrounding, being stealthy, keeping a low profile and "following the path less traveled". In other words, if the path goes up the left side of the stream, try fishing from the right side. Try to fish in those "impossible" spots that no one else tries.

Jim grew up in Bryson City and spent his childhood fly fishing in the surrounding streams in the heart of the Smoky Mountains that later became the Smoky Mountain National Park.

It was a delightful and informative day, and I hope to put a lot of the information to practical use soon.

Related on the Tribune:

Read more in L. Woodrow Ross' "Outdoor Journal" series here.

Visit the Tribune's "Outdoors" page here.

To view the Tribune's "Outdoors Calendar", click here.

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L. Woodrow Ross is a freelance writer/photographer and writes a weekly outdoor column as well as lifestyle features for the Anderson Independent Mail. In addition, he is a frequent contributor to South Carolina Sportsman and has been published in Primitive Archer, South Carolina Wildlife, and the Travelers Rest Tribune. Learn more about Ross on his website here.

(Photo courtesy of G. Cunningham.)

Outdoor Photo of the Week: Spring creeping up on the Blue Ridge Parkway

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Although spring is in full force in the Upstate, it is still slowly creeping up the higher elevations along the Blue Ridge Parkway. At the higher elevations, the trees are still displaying their early spring colors, and many ephemeral wildflowers yet abound along Parkway trails.

(Photo appears courtesy of Travelers Rest-based photographer Rich Nicoloff. Visit Nicoloff's Photography from the Journey studio at 128 S. Main St., find him on Facebook and/or view gallery images online.)

Related on the Tribune:

Outdoor Photo of the Week: Table Rock State Park's Carrick Creek Falls

Outdoor Photo of the Week: The Furman University bell tower

Outdoor Photo of the Week: View from Caesar's State Park overlook

Outdoor Photo of the Week: Dogwood Blossom

Outdoor Photo of the Week: Middle Saluda River

Outdoor Photo of the Week: Peach Blossoms

Outdoor Photo of the Week: Wild Ginger

Visit the Tribune's "Outdoors" page here.