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December 2015 Archives

Death, Divorce, and . . . Life Insurance: What Do You Need to Know?

Most people don’t want to insure their lives to the possible financial benefit of a former spouse. However, often the law requires that parties create a financial backstop to their long-term obligations, whether alimony, child support, or even property held in one party’s name for a length of time before it will be distributed.
Most often, that financial backstop will be a life insurance policy, owned by the insured, with a death benefit naming a former spouse or children for a designated sum. But that is not universally so. Some people choose to retain or create an insurance policy for the benefit of a former spouse, post-divorce, that has nothing to do with alimony, child support, or property distribution.
Assume that while a couple is married they purchase a life insurance policy on husband’s life and they name the wife the owner and beneficiary of the policy. Assume further the parties later divorce and that neither party has an alimony obligation to the other. Is there anything wrong with this picture?

“How do I protect my inherited property in a New Jersey Divorce?” Here’s how!

When things are going well in a marriage, many spouses yield to the impulse to financially share everything under the sun. Financially, this may mean pooling all assets into common bank accounts and sharing and accessing those funds randomly. While some may feel such an approach “strengthens the bond” between a husband and wife during marriage, it can actually prove disastrous if the marriage begins to crumble and marital assets need to be inventoried, valued, and equitably divided. This is especially true when it comes to assets that only one spouse inherited.

Wrongful Dismissal in The State of New Jersey: Know Your Rights!

Have you lost your valuable job? Was your employer just in terminating your employment? It is crucial for employees to have a basic understanding of New Jersey employment laws, so they will know when an employer has illegally or wrongfully violated their rights as an employee – or not. For instance, if your employer fired you for an unfair reason (gender, race, etc.), you may have the right to file a wrongful discharge lawsuit against your former employer.

“When and how do I modify an NJ divorce settlement or Final Judgment?” Here’s when and how.

Divorce negotiations and court proceedings often leave participants emotionally and financially drained. Even when the terms of a settlement agreement or final judgment are not ideal, parties may feel relieved to end such a painful process and look forward to moving on with their separate lives. Many of these same people discover that settlements and final judgments often need to be modified to better serve the family and the ever-changing needs of affected children.

Third Circuit Court Says Employers Must Fairly Evaluate Workers’ Medical Leave Certifications, Even Defective Ones.

Employees are not always aware of their leave rights under the Family Medical Leave Act (FMLA), which allows them time off to address a medical condition. Sometimes workers who know about the program experience difficulty securing their benefits. They may face retaliation for applying for leave or, in the worst case, find that their job has been terminated. Employers routinely deny FMLA leave when the request is based on an invalid or insufficient medical certification.

The Judge and Your New Jersey Divorce

While the histrionics and high drama featured on the long-running TV program Divorce Court may make for entertaining television, the fact is that real life divorces in New Jersey bear little resemblance to their televised counterparts. One popular staple of this show is the elaborate dressing down of spouses offered by the program’s “judge,” who can be seen tossing litigants out of her “courtroom,” calling them “scandalous individuals,” “liars,” and “bad dudes.” Sadly, many people entering the divorce process think that their spouse will be put in his or her place in a similar manner, with the divorce trial serving as the ultimate means to teach their X-2-B a well deserved life lesson.

New Jersey’s Special Needs Families Require Special Needs Divorces.

As parents of children with disabilities or special needs know all too well, raising children with unique healthcare and educational requirements presents its own set of challenges and joys. On a practical level, there are a host of expenses that accompany raising children with such needs, from distinctive vehicles to homes outfitted with the proper medical equipment to people trained to administer those treatments. In addition to major financial considerations, raising special needs children also frequently involves incredible time commitments by the devoted parent(s) and other family members.

Understanding Unemployment Benefits & Severance Agreements in New Jersey

In New Jersey, employees who are eligible to receive severance pay as part of their Severance Agreement may also apply for State unemployment compensation benefits. Severance will be deemed the employer’s recognition of your past service (akin to a sign-off bonus) and will not affect your eligibility for unemployment insurance.

Hanan M. Isaacs, P.C.
4499 NJ-27
Kingston, NJ 08528

Phone: 609-683-7400
Fax: 609-921-8982
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