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How to Prepare Letters of Last Instruction To Family, Employees, and Executor Regarding Funeral Arrangements, Business Transfer and Post-Death Procedures Compiled by Kenneth A. Vercammen, Esq. from various sources We highly recommend all adults have a current Will, a Power of Attorney and a Living Will. In addition, individuals are encouraged to plan ahead and write messages to their family and executor detailing their specific desires regarding funeral and burial. Written instructions to your family and executor containing information and guidance will minimize uncertainty, confusion, and possible oversights following your death. The information you furnish should ease the settlement of your estate and provide for an orderly winding-up of your affairs. You need to share what you know with those who ( often suddenly and without warning) must step into your shoes and carry out your final needs. What Should Your Letters of Instructions Cover ? Letter to Your Family Typically, this letter would be written to the person who is your executor. You may also want to address the letter to your children, particularly if they are the primary beneficiaries of your estate or they will be called upon to assist your spouse directly in the settlement of your estate and business affairs. The letter of instruction is prepared by you and is meant to provide assistance and guidance to your family regarding items not covered in your will. This letter will not change your Will. If you wish changes in your Will, speak to your attorney. Some possible points to cover in the family letter are : 1. Funeral and burial arrangements: Where, by whom, what kind, and at what cost? 2. Anatomical gifts: Identify the nature and location of any anatomical gift declarations you have made. 1

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How to Prepare Letters of Last Instruction To Family,

Employees, and Executor Regarding Funeral Arrangements,

Business Transfer and Post-Death Procedures

Compiled by Kenneth A. Vercammen, Esq. from various sources

We highly recommend all adults have a current Will, a Power of Attorney

and a Living Will. In addition, individuals are encouraged to plan ahead and write

messages to their family and executor detailing their specific desires regarding

funeral and burial. Written instructions to your family and executor containing

information and guidance will minimize uncertainty, confusion, and possible

oversights following your death. The information you furnish should ease the

settlement of your estate and provide for an orderly winding-up of your affairs.

You need to share what you know with those who ( often suddenly and without

warning) must step into your shoes and carry out your final needs.

What Should Your Letters of Instructions Cover ?

Letter to Your Family

Typically, this letter would be written to the person who is your executor.

You may also want to address the letter to your children, particularly if they are

the primary beneficiaries of your estate or they will be called upon to assist your

spouse directly in the settlement of your estate and business affairs. The letter

of instruction is prepared by you and is meant to provide assistance and

guidance to your family regarding items not covered in your will. This letter

will not change your Will. If you wish changes in your Will, speak to your

attorney. Some possible points to cover in the family letter are :

1. Funeral and burial arrangements: Where, by whom, what kind, and at what

cost?

2. Anatomical gifts: Identify the nature and location of any anatomical gift

declarations you have made.

3. Memorials and contributions: Identify what organizations or institutions might

be appropriate recipients of memorials or charitable donations made in your

memory.

4. Preparation of obituary: Should your obituary be prepared in advance and be

updated periodically? To which newspaper should it be sent?

[Letter of Last Instruction article rev 11/29/15]]

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5. Notifications of friends, relatives, business associates, and colleagues in

charitable or civic groups. Identify those persons to be contracted upon your

death, noting any particular requests or messages to be given, and listing their

current addresses and phone numbers.

6. Location of your safe-deposit box and its key.

7. Location of your will and estate planning documents: Include any trusts, buy

sell agreements, or extraneous writings incorporated in your will.

8. Medical and hospital coverages and location of the policies.

9. Social Security and Veterans Administration benefits: Identify current or

potential benefits.

10. Life insurance: Indicate where policies are located and what steps should be

taken to collect policy proceeds.

11. Location and explanation of title documents and other records relating to

your assets. Include deeds, stocks, bonds, bank accounts and deposits,

retirement plans, and vehicle titles.

12. Identify obligations involving periodic payments, such as your home

mortgage, car loans, and other debts, including amount and to whom payable.

13. Identify your attorney and professional advisers (including your accountant,

broker, trust officer, and insurance agent) who you currently use or recommend.

14. Key employees and business friends to keep business operating until sale.

The value of an ongoing business is much greater than a closed one!

15. Passwords for online bank accounts, and other finances. Where are they

16. Passwords for email accounts, plus online social media, such as Facebook.

You should review and update your letters of instruction periodically to be

certain they are complete and current. In most cases, you should personally

discuss the contents of the letters with the persons to whom they are addressed,

especially so with your spouse and executor to amplify or clarify the instructions

given and answer any questions. In all events, it is advisable to give the letters

of instructions once written to the addressees so that they will be aware that the

letters call for certain actions promptly after your death. A letter setting forth the

above items will be especially helpful if your executor is someone who doesn't

live with you and doesn't know the location of all your personal papers and

assets. For those individuals with a business, a shareholder's agreement or buy-

sell agreement is recommended.

Conclusion

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While the preceding list contains possible topics to be covered in your

letters to your family and executor, the list is by no means exhaustive. A number

of these items may not be applicable in your situation, and probably there are

many others that are applicable. The important thing is to spend some time now

considering what you should tell those most closely associated with you to

facilitate their handling of your affairs upon your death, and then write those

matters down as soon as possible.

Each of us has our own style of letter writing, especially when we are

writing our loved ones or close associates. In such circumstances a special and

personal form of communication is needed. We are mindful that each such letter

should be unique and that there is no "best way" to compose the letter. For

estate planning, speak with an experienced attorney.

http://www.njlaws.com/letters_of_instruction.htm

Kenneth A. Vercammen is a Middlesex County trial attorney who has

published 125 articles in national and New Jersey publications on business and

litigation topics. He has spoken on Wills and Elder law on numerous occasions to

the Adult Community Schools in Edison, North Brunswick, Metuchen, Sayreville,

Old Bridge, South Brunswick and Edison/Clara Barton Seniors and Perth Amboy

Seniors. He often lectures to trial lawyers of the American Bar Association, New

Jersey State Bar Association and Middlesex County Bar Association.

KENNETH VERCAMMEN & ASSOCIATES, PCATTORNEY AT LAW 2053 Woodbridge Ave.Edison, NJ 08817(Phone) 732-572-0500(Fax) 732-572-0030 website: www.njlaws.com

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LETTER OF LAST INSTRUCTIONS

This list is designed to assist you or your heirs in locating important documents and

information needed to settle your estate. You should review this document regularly

and update as needed. Compliments of

KENNETH VERCAMMEN & ASSOCIATES, PCATTORNEY AT LAW

2053 Woodbridge Ave.Edison, NJ 08817

732-572-0500

Name: __________________________________________

Address: ________________________________________

_______________________________________________

To:___________________________________________________

I. FUNERAL ARRANGEMENTSA. Clergy - Name: ___________________________________

Telephone No. _____________________________ Address: _________________________________

______________________________________

B. Burial - Yes ___ No ___ Cremation - Yes ___ No ___

C. Funeral Director - Name: ____________________________ Telephone No. ______________________ Address: _________________________ _________________________________

D. I would like to be buried at:

Name of Cemetery: ________________________________Telephone No. ____________________________________Address: _______________________________________________________________________________________

Letter of Last Instruction form rev 3/16/15

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E. In lieu of flowers, send contributions to:

Name of Charity: __________________________________Address: _______________________________________________________________________________________

F. Other: __________________________________________

II. LOCATION OF IMPORTANT PAPERS

1. Willa. Date signed: _____________________________________b. Where located: ________________________________c. Name of executor: ________________________________

2. Durable power of attorney for financesa. Date signed: _____________________________________b. Where located: __________________________________c. Name of attorney-in-fact: __________________________________________

3. Living willa. Date signed: _____________________________________b. Where located: __________________________________

4 Trust [If none write none]a. Date signed: _______________________________________b. Where located: ___________________________________c. Name of trustee: _________________________________________________

5. Health insurancea. Name of carrier: _________________________________________________b. Carrier’s address/phone number: ___________________________________c. Policy number: __________________________________________________

6. Disability insurancea. Name of carrier: _________________________________________________b. Carrier’s address/phone number: ___________________________________c. Policy number: ___________________________________________________7.. Life insurancea. Name of carrier: _________________________________________________b. Carrier’s address/phone number: ___________________________________c. Policy number: ___________________________________________________d. Named beneficiary: ______________________________________________

8. Retirement/employee benefits a. Company name, address, and phone number: _______________________b. Named beneficiary: _____________________________________________

9. Long term care insurance [If none write none]

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a. Name of carrier: _________________________________________________b. Carrier’s address/phone number: ___________________________________c. Policy number: ___________________________________________________

-Securities located at: ________________________________

-Deeds located at: _______

Pension Booklet and Summary: ___________________________

-Safe Deposit Box Key located at: _______Bank Name: __________________________________________Branch Address: ______________________________________

-Business Agreements located at: _______

-Income Tax Returns located at: _______

List of doctors __________________________

III. PROFESSIONALS

A. Attorney: Kenneth A. VercammenAttorney at Law2053 Woodbridge Ave.Edison, NJ 08817Phone: (732)-572-0500

B. Accountant: ________________________________________

C. Financial Planner: ____________________________________

D. Trust Officer: ______________________________________

E. Insurance Broker: ____________________________________

F. clergy: ________________________________

G. Other: _____________________________________________

IV. SUGGESTIONS FOR CHILDREN /GRANDCHILDRENA. College Education (describe):__________________________

________________________________________________

B. Special Training (describe):____________________________________________________________________________

C. Wedding (describe):___________________________________________________________________________________

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V. PERSONS TO NOTIFY OF MY DEATH

A. Name: ____________________ Telephone No. _______________Address: ___________________________________________

B. Name: ____________________ Telephone No. _______________Address: ___________________________________________

C. Name: ____________________ Telephone No. _______________Address: ___________________________________________

D. Name: ____________________ Telephone No. _______________Address: ___________________________________________

E. Name: ____________________ Telephone No. _______________Address: ___________________________________________

F. Name: ____________________ Telephone No. _______________Address: ___________________________________________

G. Name: ____________________ Telephone No. _______________Address: ___________________________________________

H. Name: ____________________ Telephone No. _______________Address: ___________________________________________

I. Name: ____________________ Telephone No. _______________Address: ___________________________________________

OTHER SUGGESTIONS: __________________________________________

LIST OF MAJOR ASSETS FOR FAMILY-Personal financial information including credit cards, loans, checking and savings

accounts, brokerage accounts, stocks, bonds and U.S. savings bonds, mutual funds, outstanding loans both owing and owed

Stocks, bonds and other securities. How Registered. Approximate Amount of Each. (Joint - Survivorship - P.O.D. - Trust - Custodial) If none, write none

____________________________________________________________

____________________________________________________________

____________________________________________________________

Real Estate: Location and General Description - Record Owners - How and When Acquired , Estimated Value - Mortgages, Approximate Amount of Each: If none, write none

____________________________________________________________

____________________________________________________________

____________________________________________________________

Insurance policies, pensions, retirement and death benefits: (Identification and beneficiary) If none, write none

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COMPANY AMOUNT OF POLICY BENEFICIARY

____________________________________________________________

____________________________________________________________

____________________________________________________________

Bank and Savings & Loan Association Accounts: Savings - Time Cert. - Checking - other. How registered (Joint, Survivorship, Trust, Custodial) If none, write noneBANK APPROXIMATE AMOUNTBENEFICIARY

____________________________________________________________

____________________________________________________________

Major Personal Effects: Including Furs, Jewelry, Art, Cash on Hand and other items of Substantial Value and the Approximate Amount of Each: If none, write none____________________________________________________________

____________________________________________________________

____________________________________________________________

Other Investments: Nature and in What Names(s) Held and the Approximate Amount of Each: If none, write none____________________________________________________________

____________________________________________________________

Safe Deposit Box: Location and How Registered: If none, write none

______________________________________________________________

Liabilities More Than $2,000.00: If none, write none

____________________________________________________________

____________________________________________________________

Estimated Gross Estate:

$_________________________________________________________

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Computer passwords to online accounts are located at: ________________

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