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Caring for someone can take its toll on your physical and mental health, social life, career and relationships. Taking time to look after yourself is important if you’re to continue supporting yourself and the person you’re caring for. Here are some of the different types of support available:

Social care and support guide

If you or someone you know needs help with day-to-day living because of illness or disability, this website explains your options and where you can get support.

Arranging social care can be a challenge. From knowing where to start, what type of care and support you need and who pays for it, there are lots of questions to ask. The Age UK website has lots of useful information.

What is lasting power of attorney (LPA)?

  • A legal form which allows you to choose someone else to manage your affairs on your behalf
  • The person that you choose is known as the attorney, and can be a friend, relative or professional
  • You can choose more than one person to act as an attorney
  • You decide who will have the power to control your affairs and the precise limits of that power
  • You might want an attorney to make welfare decisions about your care but not make medical decisions on your behalf
  • Read more here on the Age UK website

The content of this article does not constitute individual financial advice.

Caring for someone can take its toll on your physical and mental health, social life, career and relationships. Taking time to look after yourself is important if you’re to continue supporting yourself and the person you’re caring for. Here are some of the different types of support available:

Social care and support guide

If you or someone you know needs help with day-to-day living because of illness or disability, this website explains your options and where you can get support.

Arranging social care can be a challenge. From knowing where to start, what type of care and support you need and who pays for it, there are lots of questions to ask. The https://www.ageaction.ie/ has lots of useful information.

What is lasting power of attorney (LPA)?

  • A legal form which allows you to choose someone else to manage your affairs on your behalf
  • The person that you choose is known as the attorney, and can be a friend, relative or professional
  • You can choose more than one person to act as an attorney
  • You decide who will have the power to control your affairs and the precise limits of that power
  • You might want an attorney to make welfare decisions about your care but not make medical decisions on your behalf
  • Read more here on the https://www.ageaction.ie/

The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Protecting You and Your Loved Ones

Whether you are a young couple starting out, a growing family with kids at school and a mortgage, or single with no dependants, having the right insurance cover could make a world of difference if the unthinkable happened. If you are unsure which cover is right for your family, begin by asking yourself a series of ‘what ifs’.

What if you pass away pre-maturely or become permanently disabled and unable to work? If this happened to you, how would your partner and children cope emotionally and financially? The kids still need to be fed, clothed and educated, the house mortgage and utilities must be paid, and your partner might need to take up extra job to provide for the loss of income. For sandwich generation, there is also a concern to help provide for the aging parents. Having a Term Life cover that pays a lump sum on your death or become total permanently disabled, could allow your family to focus on supporting each other, secure in the knowledge that the bills will be paid on time, and your children’s education funding taken care of. 

What if you get hospitalized due to dengue fever or acute appendicitis? Having a medical insurance could help cover the costs of healthcare in Singapore. Fortunately for Singaporeans and PRs, you are already covered under MediShield Life that is administered by the CPF board that help cover part of the medical bills incurred in B2 and C class wards in public hospital. For a higher-level cover, there is an option to upgrade the cover via Integrated Shield Plan (IP) with rider that offers cover up to A class ward in private hospital including pre and post hospitalisation treatments. For our foreign friends, they can consider purchasing private hospitalisation plans with the same coverage as IP. Such cover is only limited to Singapore, except for emergency treatment.

There is also another option that might be more applicable for non-locals, which is the International Medical plan that offers a more comprehensive medical coverage based on region or even all over the world. There are also additional modules that one can add on such as outpatient benefit that includes General Practitioner (GP) and Specialist (SP) visits, wellness benefit such as routine health checks, as well as dental and maternity benefit.

What if you suffer a major illness? The survival rates for critical illnesses such as heart attack, cancer and stroke are improving, but recovery can take a long time and the last thing that you would want is to touch on your savings to tide through the period. Having a Critical Illness (CI) policy that pays a lump sum if you are diagnosed or suffer one of a specific list of illnesses could provide you with the money to focus on recovery without worry to pay for the continued living expenses, or to pay for alternative treatment such as Chinese medicine or supplements, rehabilitation or to hire a care taker. In addition, with medical advancement and awareness, it is common for people to go for regular health check-up and early detection is possible. This is where having early stage CI policies could be useful as it helps complement the traditional CI policies such as paying out for early stage critical illness and even allowing multiple claims following a relapse of condition.

What if you get sick or injured and are unable to work? You probably insure your car and your home, but the impact on your family is potentially much greater if you lose the ability to earn an income. Whether you are out of action for months or years, it is always good to have a safety net. Having an Income Protection insurance could help replace up to 75 per cent of your current income if you are unable to work due to illness or injury. Depending on the policy, it can cover you for short or long periods, sometimes up to age 65, after various waiting times.

All these policies are available separately or bundled together, and you may already be covered for some level of insurance via your company’s employee benefit, however it might not be adequate depending on your needs. It’s important to have insurance that is tailored to your personal circumstances, that will protect your family’s financial and emotional well-being come what may.

Disclaimer: The information is brought to you by Aon Singapore Pte Ltd, registration number 198301525W. Aon Singapore Pte Ltd is a registered insurance broker and exempt financial adviser regulated by the Monetary Authority of Singapore. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Protecting You and Your Loved Ones

Whether you are a young couple starting out, a growing family with kids at school and a mortgage, or single with no dependants, having the right insurance cover could make a world of difference if the unthinkable happened. If you are unsure which cover is right for your family, begin by asking yourself a series of ‘what ifs’.

What if you pass away pre-maturely or become permanently disabled and unable to work? If this happened to you, how would your partner and children cope emotionally and financially? The kids still need to be fed, clothed and educated, the house mortgage and utilities must be paid, and your partner might need to take up extra job to provide for the loss of income. For sandwich generation, there is also a concern to help provide for the aging parents. Having a Term Life cover that pays a lump sum on your death or become total permanently disabled, could allow your family to focus on supporting each other, secure in the knowledge that the bills will be paid on time, and your children’s education funding taken care of. 

What if you get hospitalized due to dengue fever or acute appendicitis? Having a medical insurance could help cover the costs of healthcare. What if you suffer a major illness? The survival rates for critical illnesses such as heart attack, cancer and stroke are improving, but recovery can take a long time and the last thing that you would want is to touch on your savings to tide through the period. Having a Critical Illness (CI) policy that pays a lump sum if you are diagnosed or suffer one of a specific list of illnesses could provide you with the money to focus on recovery without worry to pay for the continued living expenses, or to pay for alternative treatment such as Chinese medicine or supplements, rehabilitation or to hire a care taker. In addition, with medical advancement and awareness, it is common for people to go for regular health check-up and early detection is possible. This is where having early stage CI policies could be useful as it helps complement the traditional CI policies such as paying out for early stage critical illness and even allowing multiple claims following a relapse of condition.

What if you get sick or injured and are unable to work? You probably insure your car and your home, but the impact on your family is potentially much greater if you lose the ability to earn an income. Whether you are out of action for months or years, it is always good to have a safety net. Having an Income Protection insurance could help replace up to 75 per cent of your current income if you are unable to work due to illness or injury. Depending on the policy, it can cover you for short or long periods, sometimes up to age 65, after various waiting times.

All these policies are available separately or bundled together, and you may already be covered for some level of insurance via your company’s employee benefit, however it might not be adequate depending on your needs. It’s important to have insurance that is tailored to your personal circumstances, that will protect your family’s financial and emotional well-being come what may.

Disclaimer: The information is brought to you by Aon Hong Kong Limited. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent later. You should always consult primary or more accurate or more up-to-date sources of information.

Protecting You and Your Loved Ones

Whether you are a young couple starting out, a growing family with kids at school and a mortgage, or single with no dependents, having the right insurance cover could make a world of difference if the unthinkable happened. If you are unsure which cover is right for your family, begin by asking yourself a series of ‘what ifs’.

What if you pass away prematurely or become permanently disabled and unable to work? If this happened to you, how would your partner and children cope emotionally and financially? The kids still need to be fed, clothed and educated, the house mortgage and utilities must be paid, and your partner might need to take up an extra job to provide for the loss of income. For many of us, there is also a concern to help provide for our aging parents.

The solution is a Term Life cover that pays a lump sum on your death or if you become totally or permanently disabled, allowing your family to focus on supporting each other, secure in the knowledge that the bills will be paid on time, and your children’s education or funding taken care of. 

What if you get hospitalized due to dengue fever or acute appendicitis? Having a medical insurance will help cover the costs of healthcare in the Philippines. Unfortunately, for many Filipinos, Philhealth is not enough to cover the cost of hospitalization, hence the need to ensure you have medical protection in addition to just relying on what the government can provide. Those gainfully employed normally have a medical HMO plan. But depending on the Maximum Benefit Limit (MBL) of the plan versus your personal needs, you may want to consider getting an additional layer of benefits.

Today, the local market has diversified its product offerings on medical insurance. Apart from what you may receive from your employer, some insurance firms also offer pre-paid cards which can be used in the event of a medical emergency or hospitalization. In addition, many are now offering a second layer medical coverage. Explore your options, do your research, evaluate options that work best for you. 

One more thing to consider. What if you suffer a major illness? The survival rates for critical illnesses such as heart attack, cancer and stroke are improving, but recovery can take a long time and the last thing that you would want is to touch your savings. The solution is a Critical Illness (CI) policy. This pays a lump sum if you are diagnosed or suffer a specific illness that is part of pre-defined list of illnesses. You could use the money to focus on recovery without worrying to pay for other living expenses, or to pay for alternative treatment, rehabilitation and therapy, or the need to hire a caregiver. In addition, with medical advancement and awareness, the key is for people to go for regular health check-ups for early detection or prevention. This is where having early stage CI policies will be useful as it helps complement the traditional CI policies such as paying out for early stage critical illness and even allowing multiple claims following a relapse of condition.

You probably insure your car and your home, but the impact on your family is potentially much greater if you lose the ability to earn an income. What if you get sick or injured and are unable to work? Whether you are out of circulation for months or years, it is always good to have a safety net. The solution is Income Protection insurance which replaces up to 75 per cent of your current income if you are unable to work due to illness or injury. Depending on the policy, it can cover you for short or long periods, sometimes up to age 65, after various waiting times.

All these policies can be bought separately or bundled together, and you may already be covered for some level of insurance via your company’s employee benefits, however it might not be adequate for your needs. It’s important to have insurance that is tailored to your personal circumstances, and one that will protect your family’s financial and emotional well-being come what may.

Disclaimer: The information is brought to you by Aon Insurance & Reinsurance Brokers Philippines Inc., registration number 96590. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

Protecting You and Your Loved Ones

Whether you are a young couple starting out, a growing family with kids at school and a mortgage, or single with no dependants, having the right insurance cover could make a world of difference if the unthinkable happened. If you are unsure which cover is right for your family, begin by asking yourself a series of ‘what ifs’.

What if you pass away pre-maturely or become permanently disabled and unable to work? If this happened to you, how would your partner and children cope emotionally and financially? The kids still need to be fed, clothed and educated, the house mortgage and utilities must be paid, and your partner might need to take up extra job to provide for the loss of income. For sandwich generation, there is also a concern to help provide for the aging parents. Having a Term Life cover that pays a lump sum on your death or become total permanently disabled, could allow your family to focus on supporting each other, secure in the knowledge that the bills will be paid on time, and your children’s education funding taken care of. 

What if you get hospitalized due to dengue fever or acute appendicitis? Having a medical insurance could help cover the costs of healthcare. What if you suffer a major illness? The survival rates for critical illnesses such as heart attack, cancer and stroke are improving, but recovery can take a long time and the last thing that you would want is to touch on your savings to tide through the period. Having a Critical Illness (CI) policy that pays a lump sum if you are diagnosed or suffer one of a specific list of illnesses could provide you with the money to focus on recovery without worry to pay for the continued living expenses, or to pay for alternative treatment such as Chinese medicine or supplements, rehabilitation or to hire a care taker. In addition, with medical advancement and awareness, it is common for people to go for regular health check-up and early detection is possible. This is where having early stage CI policies could be useful as it helps complement the traditional CI policies such as paying out for early stage critical illness and even allowing multiple claims following a relapse of condition.

What if you get sick or injured and are unable to work? You probably insure your car and your home, but the impact on your family is potentially much greater if you lose the ability to earn an income. Whether you are out of action for months or years, it is always good to have a safety net. Having an Income Protection insurance could help replace up to 75 per cent of your current income if you are unable to work due to illness or injury. Depending on the policy, it can cover you for short or long periods, sometimes up to age 65, after various waiting times.

All these policies are available separately or bundled together, and you may already be covered for some level of insurance via your company’s employee benefit, however it might not be adequate depending on your needs. It’s important to have insurance that is tailored to your personal circumstances, that will protect your family’s financial and emotional well-being come what may.

Disclaimer: The information is brought to you by Aon Hewitt Consulting (Shanghai) Co. Ltd. registration number 310000400102466. The information does not take into account the specific investment objectives, financial situation or particular needs of any particular person who may be in receipt of the materials. Accordingly, it should not be relied on or treated as a substitute for specific advice concerning individual situations. Please seek advice from a financial adviser regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs before you make a commitment to purchase an investment product. You are also recommended to obtain such other professional advice where appropriate. The information is provided in good faith and believed to be accurate as of the time of compilation. We do not undertake an obligation to update the materials or to correct any inaccuracy that may become apparent at a later time. You should always consult primary or more accurate or more up-to-date sources of information.

保护您和您爱的人

无论是一对刚成家的年轻夫妇、一个肩负房贷和孩子学费的成长中的家庭、还是一个没有牵绊的单身人士，如果一些不敢想也不愿意想的事情发生了，那么拥有一份合适的保险保障将给人生带来很大不同。如果您不确定哪些保险适合您的家人，可以先问自己一连串的“如果……，该怎么办？”。

如果您过早去世，或者终身残疾，失去工作能力，该怎么办？如果这发生在您身上，您的爱人和孩子将如何从情感和经济上应对？孩子要吃饭、穿衣、上学，房贷、水电费还得付，您的另一半可能需要承担额外的工作来弥补家庭收入的损失。对于上有老下有小的三明治一代来说，还有一个问题是赡养年迈的父母。这时，如果您购买了一份定期人寿保险，在您意外身亡或终身残疾时一次性支付的保险金就如雪中送炭一般，您的账单能得到按时支付，孩子的教育经费也有了着落，您的家人也能稍稍安心，专注于互相支持。 

如果您因登革热或急性阑尾炎而住院，该怎么办？如果您有医疗保险，那么就可以报销一部分医疗费。如果您得了重病怎么办？心脏病、癌症和中风等重大疾病的存活率正在提高，但恢复可能需要很长时间，如果没有保险您就只能动用自己的积蓄来渡过难关。如果您被诊断出患有特定的重大疾病，一次性赔付的重大疾病（CI）险可以为您提供足够的钱，让您专注于康复，无需担心生活费，并有钱支付替代治疗（如中药或补充剂、康复治疗或雇用护理人员）的费用。此外，随着医学的进步和健康意识的提高，人们普遍开始定期接受健康检查，重大疾病的早期发现是完全可能的。这就是早期重疾险可能发挥作用之处，作为对传统重疾险的补充，它可以帮助您支付早期重疾的治疗费用，而且如果疾病复发，甚至可能获得多次赔付。

如果您因生病或受伤无法工作，该怎么办？您可能会为您的汽车和房子投保，但如果您失去了挣钱的能力，对您家庭的影响可能会更大。不管您无法工作的时间是几个月还是几年，有一份安全保障总是好的。如果您因疾病或受伤而无法工作，收入保障险可以帮助您弥补收入损失，赔付比例高达现有收入的75%。保障期限可长可短，最长可至65岁，取决于保单条款，等待期也各有不同。

所有这些保险都可以单独购买或捆绑购买，您可能已经通过公司的员工福利政策获得了一定程度的保障，但是由于个人需求不同，公司提供的保险可能还不够。拥有适合您个人情况的保险是很重要的，这将有助于保护您家庭的财务和情感健康。

免责声明：以上信息由怡安翰威特咨询（上海）有限公司（注册号310000400102466）提供。由于未考虑可能接收该信息的任何特定人士的具体投资目标、财务状况或特殊需求，因此，上述信息不能代替针对个别情况的具体建议。在您决定购买某投资产品之前，请考虑您的具体投资目标、财务状况或特殊需求，并向理财顾问咨询相关投资产品的适用性。此外，建议您在必要时获取其他专业建议。以上信息出于善意提供，在汇编时确认准确。我司无义务在今后更新相关信息或更正发现的不准确信息。用户应不时查阅各种信息来源，以获取准确的最新一手信息。

Wettelijke ondersteuning

De overheid ziet al tijden dat mantelzorg toeneemt, deels als gevolg van de vergrijzing maar ook door maatregelen van de overheid zelf. De “participatiesamenleving” vraagt steeds meer zelfredzaamheid van mensen en zo min mogelijk hulp van de overheid. De aangepaste Wet maatschappelijke ondersteuning is daar een goed voorbeeld van.

Om mantelzorg te stimuleren heeft de landelijke overheid de afgelopen jaren heel wat wetgeving aangepast. Werknemers hebben meer rechten gekregen ten opzichte van hun werkgever, zodat mantelzorg beter te combineren is met een betaalde baan.

 

Zorgverlof

Sinds 1 juli 2015 gelden verlofregelingen voor een veel grotere groep mensen. Hadden werknemers voorheen alleen recht op zorgverlof voor de verzorging van een kind, een ouder of een partner, nu behoren ook alle huisgenoten, tweedegraads familieleden en iedereen met wie de verlofvrager een sociale relatie heeft tot die groep [1]. Het kan nu dus ook gaan om een buurman of een vriend(in).

Een werkgever mag alleen zorgverlof weigeren als het bedrijfs- of dienstbelang zwaarder weegt dan het zorgbelang van de werknemer. Dat dit ook echt zo is, zal de werkgever in het uiterste geval voor een rechter moeten bewijzen.

De belangrijkste kernmerken van zorgverlof zijn als volgt:

Maximale duur:

Loondoorbetaling werkgever:

Gaat in per:

Kortdurend zorgverlof

Per 12 maanden maximaal 2x de arbeidsduur per week

70% van het loon (maar minimaal het geldende minimumloon)

Ingang per tijdstip dat verlof wordt aangevraagd door werknemer

Langdurend zorgverlof

Per 12 maanden maximaal 6x de arbeidsduur per week

Geen loondoorbetaling

Tenminste twee weken ná aanvragen verlof

Wet flexibel werken

In 2016 is de nieuwe Wet flexibel werken (Wfw) ingegaan. Werknemers hebben daardoor meer mogelijkheden om op flexibele tijden te werken. Ook thuis of elders als dat beter past. Hoewel het woord “mantelzorg” in de uitleg van de Wfw niet wordt genoemd, is de wet wel degelijk bedoeld om ook mantelzorgers extra te steunen.

Werknemers hebben dankzij de Wfw niet alleen vaker recht op een meer flexibele baan, maar kunnen zo’n verzoek ook eerder indienen. Dat kan nu al na een dienstverband van een half jaar (26 weken), in plaats van een jaar zoals voorheen. Een verzoek moet minimaal twee maanden voor de beoogde ingangsdatum zijn ingediend bij de werkgever.

Werkgevers kunnen een verzoek voor flexibeler werk alleen afwijzen als er sprake is van een aantoonbaar, zwaarwegend bedrijfs- of dienstbelang. Bij een afgewezen verzoek kan de werknemer na een jaar een nieuw verzoek indienen. Voorheen zat daar twee jaar tussen.

De Wfw geeft vooral langdurige mantelzorgers meer mogelijkheden om hun zorgtaak met betaald werk te combineren. Een logische voorwaarde is wel dat dat meer flexibiliteit ook binnen de bedrijfsvoering past. Mantelzorg voor een kind is goed met thuiswerken te combineren, maar een fabrieksarbeider is vrijwel altijd fysiek nodig op zijn werk.

Ondersteuning door gemeenten

Als iemand voor ondersteuning vanuit de Wmo aanklopt bij zijn of haar gemeente, doet die tegenwoordig eerst onderzoek naar de mogelijkheden van mantelzorg. Daarmee geeft de Wmo rechtstreeks invulling aan de participatiesamenleving; mensen moeten zo lang mogelijk in de samenleving meedoen zonder overheidssteun. Er vanuit gaande dat deze trend doorzet, neemt de vraag naar mantelzorg en de druk op mantelzorgers de komende jaren alleen maar toe.

De Wmo geeft gemeenten niet alleen het recht om zorg ‘af te houden’: ze zijn ook verplicht om mantelzorg en vrijwilligerswerk in hun gemeente in kaart te brengen, te bevorderen en te ondersteunen. Zorgvragers en mantelzorgers moeten weten welke mogelijkheden de gemeente biedt voor (gratis) ondersteuning. Bij hun onderzoek naar de ondersteuning die iemand nodig heeft, moeten gemeenten ook de mantelzorgers zelf betrekken [2]. Doel is dat zij zelf aan kunnen geven welke ondersteuning bij hun zorgtaken gewenst is. Dit geeft mantelzorgers ook de mogelijkheid om aan te geven hoe zij hun ‘zorgdruk’ ervaren. Het is van belang dat werknemers die mantelzorg leveren, weten dat gemeenten hen kunnen en willen ondersteunen.

Gemeenten moeten in een plan vastleggen hoe zij invulling geven aan de Wmo, maar ze zijn vrij om te bepalen hoe ze mantelzorgers bij hun zorgtaak ondersteunen. Een concreet voorbeeld van gemeentelijke steun is gratis openbaar vervoer voor mantelzorgers met een laag inkomen. Sommige gemeenten bieden mantelzorgers cursussen aan, zorgen voor (extra) huishoudelijke hulp of laten mantelzorgers (deels) gratis parkeren bij het adres waar mantelzorg wordt verleend. Het komt ook voor vrijwilligers worden ingezet om het werk van mantelzorgers te verlichten.

Respijtzorg

Net als werknemers, hebben mantelzorgers soms behoefte aan een paar dagen vrijaf – een behoefte die vaak nog groter is bij mantelzorgers met een betaalde baan. Maar waar vrij nemen van betaald werk wettelijk is geregeld, hebben mantelzorgers zelden vrij. Mantelzorg gaat altijd door.

Steeds meer instanties en organisaties helpen mantelzorgers met “respijtzorg”: vervangende hulp die de mantelzorger even vrijaf geeft van zijn taak. Respijtzorg is er in verschillende vormen. Zo kan degene die mantelzorg nodig heeft tijdelijk elders opgevangen worden, maar het komt ook voor dat een professional of vrijwilliger langsgaat bij de ‘patiënt’.

De Wmo verplicht gemeenten om respijtzorg aan te bieden door deze patiënten kortdurend in een instelling op te vangen [3]. Dit geldt alleen voor mensen die een maatwerkvoorziening vanuit de Wmo krijgen. Maar als iemand volgens de gemeente al voldoende ondersteuning krijgt, bijvoorbeeld door mantelzorgers, hoeft de gemeente geen maatwerkvoorziening te verstrekken. In dat geval kan er ook geen beroep worden gedaan op de Wmo voor respijtzorg voor de mantelzorger.

Wie als mantelzorger wél recht heeft op respijtzorg, kan daar maar beter gebruik van maken. Enkele dagen ‘vrij zijn’ kan de mantelzorger al een hoop ontspanning geven.

Zorgverzekeraars en mantelzorgers

De groeiende aandacht voor mantelzorg is ook veel zorgverzekeraars niet ontgaan. In aanvullende verzekeringen vinden mantelzorgers steeds vaker ondersteuning.

Deze ondersteuning kent verschillende vormen:

  • Mantelzorgcursussen waarin de mantelzorger over zorgverlening leert, en waar hij hoort hoe hij zijn grenzen kan bewaken om overbelasting te voorkomen.
  • Mantelzorgmakelaars die de mantelzorger helpen met het regelen van allerlei zaken, waaronder het organiseren van de gewenste zorg. Met hun kennis van (wettelijke) regelingen kunnen deze makelaars helpen om de zorgtaak te verlichten.
  • Respijtzorg, zodat de mantelzorger er een tijdje tussenuit kan om weer bij te komen.
  • Mantelzorg-arrangementen om alleen of met de patiënt buitenshuis op adem te komen.

Meer informatie over mantelzorg: https://www.mantelzorg.nl/

[1] Artikel 5:1 Wet arbeid en zorg

[2] Artikel 2.3.2 Wmo

[3] Artikel 1.1.1 Wmo onder berip maatwerkvoorziening”

Protecting You and Your Loved Ones

인생에서 예상치 못한 상황은 갑자기 찾아오며, 선제적 준비 없이 이를 대응하기 쉽지 않습니다. 한국의 거주자들은 이러한 향후발생가능한위험을 국민건강보험과다양한보험상품으로 대응하고 있습니다.

국민건강보험

한국의 의료보장제도는 사회보험에 기반하고 있습니다. 즉, 국가가 기본적으로 의료보장에 대한 책임을 지며, 개인이 의료비의 일정부분을 책임지는 시스템입니다. 다만, 다수 보험자를 통해 운용되는 전통적인 사회보험방식과는 다르게, 단일한 보험자가 국가전체의 건강보험을 운영합니다. 국민건강보험에 대한 혜택은 점진적으로 확대되고 있으며, 2018~19년에는MRI, 치매, 치과(임플란트, 틀니) 등에대한지원도추가됐습니다.

다양한보험상품(Private life and P&C insurance products)

예상치못한사고로인한사망에 대응하기 위해, 종신보험과 정기보험을 가입할 수 있습니다. 기본적으로 이와 같은 보험을 통해 경제활동기 중 사망보장이 가능합니다. 즉, 피보험자(insured) 가족의 경제적 안정성을 보장하며, 만약 해당 급부(피보험자 사망)이 발생하지 않더라도, 상품에 따라 연금전환이 가능하여 피보험자의 노후보장까지 커버합니다. 또한 사망보험금 및 적립금은 상품에 따라 보험사가 매월 정하는 이율로 운용되거나(일반 종신보험) 펀드로 운용(변액종신보험)될 수 있습니다.

암보험, 치아보험, 치매보험등다양한건강보험을 통해 건강 비용을 미리 대비할 수 있습니다. 인구 고령화가 지속되며 1인가구가 많아 질 수록, 타인의 경제적인 도움없이 자신의 건강을 지키는 것은 현대인들에게 매우 중요한 이슈입니다. 단순한 입원비 및 잇몸질환 치료비부터 100세까지 보장되는 암, 뇌출혈 진단비까지 다양한 종류의 건강보험이 존재하여 예상치 못한 질병 대비가 가능합니다. 이 뿐만 아니라 고령화에 발맞추어 치매보험까지 출시되어 가족들에게 부담주지 않고 안정적인 노후를 준비할 수 있습니다.

본 안내는 2020년 3월 현재 일반적으로 알려져 있는 사항을 요약 정리한 내용으로 보험상품 및 보장내역은 언제든지 변경될 수 있으므로 자세한 사항은 관련 전문가와 상의하여 주시기 바랍니다. 또한 본 안내는 특정 보험상품이나 서비스에 대한 홍보나 선전을 위한 것이 아니며, 어떠한 경우에도 법적 효력을 가진 법률 권고나 조언으로 간주되어서도 안됩니다. Aon은 고객에게 법적 효력을 가지는 어떠한 권고나 조언을 제공할 수도 없으며, 제공하지도 않습니다.

日本

誰かの世話をすることから、身体や精神の健康、社会生活、キャリア、人間関係を損なうことがあります。家族の面倒を見る必要があれば、社会保障制度から受けられるサービスを最大限に活用するよう心掛けてください。

公的介護＆支援ガイド

40才以上で、病気または障碍を理由に日常生活の支援を受ける必要のある人は、各地方自治体で運営する長期的な介護保険を通じてさまざまなサービスを利用することができます。

長期的な介護保険は社会保障制度の一環として、保険料は40才以上の全従業員の給与計算で毎月源泉徴収されます。保険料は加入する健康保険組合によって異なります。

利用可能なサービスはその人の等級区分によって異なります。サービスの料金はその人の家族状況および所得によって異なります。

詳しくは、厚生労働省および地方自治体のウェブサイトで、ご自分のオプションと支援を受けられる場所の説明をご覧ください。

https://www.mhlw.go.jp/stf/seisakunitsuite/bunya/hukushi_kaigo/kaigo_koureisha/gaiyo/index.html

家族に介護保険によるケアを受ける必要が生じると、適切なサービスを探すためにしばらく仕事を休む必要があるかもしれません。その場合、労働基準法に基づき、従業員には介護休業（家族のケアを目的とする休暇）を最長3カ月まで取得する権利があります。

Melindungi Anda dan Orang-Orang Tercinta Anda

Apakah Anda pasangan muda yang baru berumah tangga, keluarga yang sedang tumbuh dengan anak-anak di sekolah dan KPR, atau lajang tanpa tanggungan, memiliki asuransi yang tepat dapat membuat perbedaan jika hal yang tak terpikirkan terjadi. Jika Anda tidak yakin proteksi yang tepat untuk keluarga Anda, mulailah dengan bertanya pada diri sendiri serangkaian ‘bagaimana jika’.

Bagaimana jika Anda meninggal lebih awal atau menjadi cacat permanen dan tidak dapat bekerja? Jika ini terjadi pada Anda, bagaimana pasangan dan anak Anda mengatasinya secara emosional dan finansial? Anak-anak masih perlu diberi makan, pakaian dan pendidikan, hipotek rumah dan utilitas harus dibayar, dan pasangan Anda mungkin perlu mengambil pekerjaan tambahan untuk menggantikan hilangnya pendapatan. Bagi banyak orang, ada juga kekhawatiran untuk membantu menunjang orang tua kita yang sudah lanjut usia.

Solusinya adalah perlindungan Term Life yang membayar sekaligus atas kematian Anda atau jika Anda menjadi cacat total atau permanen, memungkinkan keluarga Anda untuk fokus saling mendukung, aman mengetahui bahwa tagihan akan dibayarkan tepat waktu, dan pendidikan atau pendanaan anak-anak Anda diurus.

Bagaimana jika Anda dirawat di rumah sakit karena demam berdarah atau usus buntu akut? Memiliki asuransi kesehatan dapat membantu menutupi biaya perawatan kesehatan. Bagaimana jika Anda menderita penyakit parah? Tingkat kelangsungan hidup untuk penyakit kritis seperti serangan jantung, kanker dan stroke meningkat, tetapi pemulihan bisa memakan waktu lama dan hal terakhir yang Anda inginkan adalah menggunakan tabungan Anda untuk melewati periode tersebut. Di Indonesia ada Program BPJS, BPJS adalah singkatan dari Badan Penyelenggara Jaminan Sosial. BPJS mengelola asuransi kesehatan nasional Indonesia, Jaminan Kesehatan Nasional atau JKN. Partisipasi individu adalah wajib untuk semua penduduk Indonesia, termasuk ekspatriat dengan ITAS/P paling lambat pada bulan Januari 2019. Sementara itu, pengusaha harus mendaftarkan karyawan mereka paling lambat pada bulan Januari 2016. Karyawan ekspat yang bekerja setidaknya 6 bulan (dan anggota keluarga tanggungannya) harus didaftarkan oleh perusahaan mereka. Perusahaan harus mendaftarkan karyawan dan anggota keluarga yang mereka tanggung. Untuk pendaftaran non-karyawan dapat dilakukan secara online.

Tidak ada pengecualian karena kondisi yang sudah ada sebelumnya atau usia, juga tidak ada batasan cakupan. Namun, pada jenis wajib ini, BPJS tidak dapat mencakup beberapa perawatan medis tingkat lanjut — misalnya operasi jantung dan beberapa prosedur perawatan gigi tingkat lanjut. Jika Anda ingin mendapat lebih banyak layanan, Anda dapat bergabung dengan asuransi kesehatan independen lainnya atas biaya sendiri.

Saat ini, pasar lokal telah melakukan diversifikasi penawaran produk pada asuransi kesehatan. Selain dari apa yang mungkin Anda terima dari perusahaan Anda, banyak yang kini menawarkan pertanggungan medis lapis kedua. Jelajahi pilihan Anda, lakukan riset, evaluasi pilihan yang paling cocok untuk Anda.

JENIS ASURANSI LAIN DI INDONESIA

Jika Anda membutuhkan perlindungan ekstra, ada banyak jenis perusahaan asuransi independen yang dapat Anda pilih. Antara lain:

Asuransi Jiwa

Jenis asuransi ini akan memberi Anda manfaat jika Anda meninggal. Manfaatnya dapat diberikan kepada penerima Anda setelah Anda meninggal.

Asuransi Kesehatan

Jika Anda sudah memiliki BPJS Kesehatan tetapi Anda menginginkan lebih banyak perlindungan, Anda dapat mendaftar untuk asuransi kesehatan independen. Jenis asuransi ini akan memberi Anda perlindungan ekstra jika Anda sakit atau menjalani prosedur medis tertentu. Pastikan Anda tahu persis prosedur apa yang dapat ditanggung asuransi kesehatan independen dan berapa penggantian untuk rawat inap.

Asuransi Kendaraan

Anda juga dapat mengasuransikan kendaraan bermotor Anda. Ini akan melindungi kendaraan Anda jika terjadi kecelakaan di jalan, insiden karena kerusuhan, insiden akibat bencana, pencurian, dll. Sekali lagi, Anda perlu tahu persis jenis insiden atau kecelakaan yang dicakup sebelum Anda memilih agen asuransi tertentu.

Asuransi Perumahan dan Properti

Jika Anda memiliki properti — untuk properti dan bangunan perorangan dan perusahaan — Anda dapat mendaftarkannya dalam jenis asuransi ini untuk melindunginya dari kerusakan yang mungkin terjadi di masa depan. Membaca semua klausa dalam perjanjian sangat penting sehingga Anda dapat memastikan dalam keadaan apa kerusakan rumah atau properti Anda ditanggung.

Asuransi Pendidikan

Jika Anda memiliki anggota keluarga yang masih berusia sekolah, jenis asuransi ini sangat dianjurkan. Ini akan memberi mereka perlindungan untuk melanjutkan pendidikan tinggi mereka.

Asuransi Perjalanan

Jenis asuransi ini adalah asuransi jangka pendek yang akan melindungi pemegangnya saat dia bepergian — dari saat dia pergi sampai dia kembali ke rumah.

Semua polis asuransi ini dapat dibeli secara terpisah atau digabung, dan Anda mungkin telah ditanggung untuk beberapa tingkat asuransi melalui tunjangan karyawan dari perusahaan Anda, namun itu mungkin tidak memadai untuk kebutuhan Anda. Penting untuk memiliki asuransi yang disesuaikan dengan keadaan pribadi Anda, dan asuransi yang akan melindungi keuangan dan kesejahteraan emosional keluarga Anda, apa pun yang terjadi.

Informasi lebih lanjut:

https://www.expatindo.org/summary-jkn-and-bpjs/

https://www.cekindo.com/blog/social-security-insurance-type-indonesia

https://www.bpjs-kesehatan.go.id/bpjs/index.php/post/read/2014/291/Ini-yang-Perlu-Anda-Ketahui-Soal-Kartu-Indonesia-Sehat

Penafian: Informasi ini dipersembahkan untuk Anda oleh PT Aon Indonesia, Lisensi No. Kep-243/KMK.017/1997 . Informasi ini tidak mempertimbangkan tujuan investasi khusus, kondisi finansial, atau kebutuhan khusus orang tertentu yang mungkin menerima rujukan ini. Oleh karena itu, informasi ini tidak boleh dijadikan dasar atau pengganti nasihat khusus mengenai kondisi seseorang. Silakan meminta saran dari penasihat keuangan mengenai produk investasi yang sesuai dengan mempertimbangkan tujuan investasi, kondisi keuangan, atau kebutuhan khusus sebelum Anda berkomitmen untuk membeli produk investasi apa pun. Anda juga disarankan untuk meminta saran profesional lain jika diperlukan. Informasi ini disediakan dengan itikad baik dan diyakini akurat saat penyusunan. Kami tidak berkewajiban untuk memperbarui materi atau membetulkan ketidakakuratan yang mungkin ditemukan dikemudian hari. Anda sebaiknya selalu menggunakan sumber informasi utama atau yang lebih akurat atau lebih mutakhir.

Ehevertrag

Ein Ehevertrag ist im Grunde genommen ein Vertrag, der das Ehegüterrecht zwischen den Ehepartnern regelt. Er beinhaltet üblicherweise den gewählten Güterstand sowie die Güterverteilung im Rahmen dieses Güterstands. Durch den Abschluss eines Ehevertrags können die Ehepartner geltende Rechtsvorschriften zum beiderseitigen wirtschaftlichen Vorteil an ihre individuellen Bedürfnisse anpassen.

Erbvertrag

Unter einem Erbvertrag versteht man eine vertragliche Vereinbarung zwischen mehreren Personen, welche den Verbleib von Eigentum und Vermögenswerten des Erblassers nach dessen Tod regelt. Der Hauptgrund für einen Erbvertrag ist die Regelung von Erbansprüchen; der Erblasser sagt für die Zeit nach seinem Tod Privilegien zu (Einsetzen von Drittparteien als Erben, Gewähren von Zuwendungen und Erbschaften, d. h. positive Regelungen hinsichtlich der Erbfolge) oder stimmt dem Verzicht auf Erbansprüche zu (beispielsweise dem Verzicht eines Kindes auf seinen Anteil des Nachlasses, Nachlassregelung, d. h. negative Regelungen hinsichtlich der Erbfolge). Ein Erbvertrag wird im Allgemeinen eingesetzt, um die Ansprüche von Nachkommen oder Eltern auf den Pflichtteil zu beschränken, den hinterbliebenen (Ehe-) Partner zu begünstigen oder Erben vollständig auszuschließen, die keinen Anspruch auf einen Pflichtteil besitzen. Analog kann ein Erbvertrag auch eingesetzt werden, um gemeinsames Eigentum vollständig auf den hinterbliebenen Ehepartner zu übertragen.

Der Unterschied zwischen Ehevertrag und Erbvertrag

Im Gegensatz zu einem zwischen den Ehepartnern geschlossenen Ehevertrag sind an einem Erbvertrag neben dem Ehepartner auch andere Personen beteiligt.

Erbverträge müssen im Beisein zweier Zeugen unterzeichnet und als öffentliche Urkunde ausgefertigt werden. Im Gegensatz zu einem Testament kann ein Erbvertrag nicht einseitig aufgehoben werden. Erbverträge können jederzeit durch das schriftliche Einverständnis aller Parteien widerrufen werden (Paragraph 512 ff. Zivilgesetzbuch). Entsprechend müssen auch Änderungen eines Erbvertrags vereinbart werden.

Eheverträge und Erbverträge ergänzen sich im Allgemeinen, allerdings kann sich die Abgrenzung in einzelnen Fällen schwierig gestalten. Je nach der finanziellen Beziehung zwischen den Ehepartnern kann es ratsam sein, sowohl einen Ehevertrag als auch einen Erbvertrag abzuschließen.

Ernennung eines Handlungsbevollmächtigten

Menschen im Vollbesitz ihrer geistigen Kräfte können eine Person ihres Vertrauens benennen, die in ihrem Namen handelt. Die Ernennung eines Handlungsbevollmächtigten kann kostspielige und komplizierte Interventionsmaßnahmen vonseiten der Kindes- und Erwachsenenschutzbehörde (KESB) / Autorité de Protection de l'Enfant et de l'Adulte (APEA) vermeiden.

Die Ernennung eines Handlungsbevollmächtigten ist sowohl für ältere als auch für jüngere Personen geeignet. Die Entscheidungsfähigkeit kann infolge hohen Alters, schwerer Erkrankung oder eines Unfalls verloren gehen. Aus diesem Grund ist es sinnvoll, entsprechend zu planen und dafür zu sorgen, dass Ihre Familie sich um Ihre Angelegenheiten kümmern kann und nicht die Schutzbehörde.

Inhalt einer Handlungsbevollmächtigung

Eine Person kann, solange sie entscheidungsfähig ist, einen Stellvertreter benennen und bevollmächtigen, der sie im Fall ihrer Handlungsunfähigkeit vertritt, ihre Pflege und das Sorgerecht für sie übernimmt und ihre persönlichen Angelegenheiten und Vermögenswerte verwaltet. Bei der Ernennung zum Handlungsbevollmächtigten handelt es sich um einen Vertrag. Indem die ernannte Person die Ernennung zum Handelsbevollmächtigten annimmt, verpflichtet sie sich zur Ausführung der ihr übertragenen Aufgaben.

  • Pflege und Sorgerecht
    • Unter Pflege und Sorgerecht ist die Betreuung der persönlichen Angelegenheiten der handlungsunfähigen Person zu verstehen. Dazu gehört die Entscheidung über die medizinische Versorgung der Person und die alltäglichen Bedürfnisse und Hilfestellungen.
  • Finanzangelegenheiten
    • Der ernannte Stellvertreter ist bevollmächtigt, sich um Einkommen, Vermögenswerte und finanzielle Angelegenheiten der handlungsunfähigen Person zu kümmern. Dazu gehören die Verwaltung ihrer Vermögenswerte, die Begleichung von Rechnungen und die Bearbeitung sonstiger finanzieller Verpflichtungen.
  • Rechtsbeziehungen
    • Die Handlungsbevollmächtigung besitzt hinsichtlich der Rechtsbeziehungen mit Versicherern, öffentlichen Behörden sowie privaten und öffentlichen Einrichtungen Gültigkeit. Der Handlungsbevollmächtigte kann Vereinbarungen und vertragliche Verpflichtungen im Namen der handlungsunfähigen Person rechtsgültig abschließen und auflösen.

Contrat de mariage

Un contrat de mariage est essentiellement un contrat qui régit les droits de propriété matrimoniaux entre les conjoints. Il contient généralement le type de régime matrimonial choisi, ainsi que la distribution des biens immobiliers au sein de ce régime. En signant un contrat de mariage, les conjoints peuvent adapter les prescriptions réglementaires en fonction de leurs besoins individuels pour bénéficier mutuellement d’avantages financiers.

Contrat de succession

Un contrat de succession est un accord contractuel entre plusieurs personnes qui régit la répartition des biens immobiliers et des actifs après le décès du testateur. L’objectif principal d’un contrat de succession est de réglementer les réclamations d’héritage. Le testateur promet des privilèges après son décès (en désignant des tiers comme héritiers, en faisant des legs et des dons testamentaires, soit des accords d’attribution) ou accepte la renonciation à l’héritage (par exemple, un enfant renonce à sa part de la succession, des règlements de succession, soit des accords de renonciation). Un contrat de succession est généralement utilisé pour limiter les réclamations des descendants ou des parents pour ce qui est de la part obligatoire en faveur du conjoint survivant ou pour totalement exclure les héritiers qui n’ont aucun droit à une part obligatoire. De même, un contrat de succession peut servir à assurer le transfert de la propriété complète d’un bien commun au conjoint survivant.

Différences entre les deux types de contrat

Contrairement à un contrat de mariage conclu entre conjoints, un contrat de succession implique d’autres personnes en plus du conjoint.

Les contrats de succession doivent être signés devant deux témoins et exécutés comme un acte public. Contrairement à un testament, un contrat de succession ne peut pas être résilié unilatéralement. Les contrats d’héritage peuvent être révoqués à tout moment par un accord écrit de toutes les parties (Article 512 et suivants du code civil). De même, tout amendement doit être accepté dans un contrat de succession.

Les contrats de mariage et de succession sont généralement complémentaires, mais il peut parfois être difficile de les délimiter dans certains cas individuels. Selon la relation financière qui existe entre les conjoints, il peut être judicieux de conclure un contrat de mariage et un contrat de succession.

Désignation d’un fondé de pouvoir

Les personnes saines d’esprit peuvent désigner un tiers de confiance pour agir en leur nom. La désignation d’un fondé de pouvoir peut permettre d’éviter des mesures d’intervention onéreuses et complexes par l’Autorité de Protection de l’Enfant et de l’Adulte (APEA).

La désignation d’un fondé de pouvoir convient aussi bien pour les personnes âgées que pour les personnes plus jeunes. La capacité décisionnelle peut se perdre avec l’âge, une maladie grave ou suite à un accident. Il est donc prudent de prendre ses dispositions afin de s’assurer que votre famille pourra gérer vos affaires sans passer par l’autorité de protection.

Contenu d’une désignation d’un fondé de pouvoir

Une personne capable de prendre ses propres décisions peut désigner et habiliter un fondé de pouvoir pour la représenter, assumer ses soins et sa garde et gérer ses affaires et actifs personnels en cas d’incapacité civile. La désignation d’un fondé de pouvoir constitue un contrat. En acceptant cette désignation, la personne désignée s’engage à exercer les fonctions qui lui sont confiées.

  • Soin et garde
    • Cela revient à s’occuper des affaires personnelles de la personne incapable. Cela inclut la prise de décisions relatives aux soins médicaux de cette personne, ainsi qu’à ses besoins et au soutien dont elle a besoin au quotidien.
  • Affaires financières
    • Le fondé de pouvoir désigné est habilité à s’occuper des revenus, des actifs et des affaires financières de la personne incapable. Cela inclut la gestion de ses actifs, le paiement des factures et la gestion des autres obligations financières.
  • Relations juridiques
    • La validité du fondé de pouvoir est reconnue dans les relations légales avec les compagnies d’assurance, les bureaux de l’administration publique, ainsi que les institutions privées et publiques. La personne désignée peut dûment signer et résilier des contrats et des obligations contractuelles au nom de la personne incapable.

Accordo prematrimoniale

Fondamentalmente un accordo prematrimoniale è un contratto che disciplina i diritti patrimoniali dei coniugi. In genere, prevede la scelta tra un regime patrimoniale condiviso tra i coniugi e la divisione dei beni all’interno di tale regime. Stipulando un accordo prematrimoniale, i coniugi possono adattare le disposizioni di legge alle loro personali esigenze ed offrire indennità finanziarie reciproche.

Contratto successorio

Un contratto successorio è un accordo contrattuale tra più soggetti che disciplina la distribuzione dei beni patrimoniali dopo la morte del testatore. Lo scopo principale di un contratto successorio è quello di disciplinare le pretese ereditarie; il testatore promette dei privilegi dopo la sua morte (nominando eredi dei soggetti terzi, garantendo lasciti ed eredità; per esempio patti successori positivi), oppure accetta la rinuncia delle pretese ereditarie (per esempio, un bambino che rinuncia ad una quota ereditaria o accordi ereditari; per esempio patti successori negativi). Il contratto successorio normalmente viene usato per limitare le pretese dei discendenti o dei parenti nei confronti della quota obbligatoria, a favore del coniuge superstite, oppure per escludere completamente gli eredi che non hanno diritto ad una quota obbligatoria. Analogamente, un contratto successorio può essere usato per prevedere il trasferimento al coniuge superstite della piena proprietà di un patrimonio comune.

Differenze tra i due tipi di contratto

Diversamente da un accordo prematrimoniale stipulato tra i coniugi, un contratto successorio coinvolge altri soggetti oltre al coniuge.

I contratti successori devono essere sottoscritti dinanzi a due testimoni e stipulati come un atto pubblico. Diversamente da un testamento, un contratto successorio non può essere annullato unilateralmente. I contratti successori possono essere revocati in qualsiasi momento mediante accordo scritto di tutte le parti (articoli 512 e successivi del codice civile). Analogamente, in un contratto successorio anche le modifiche devono essere concordate.

In genere, gli accordi prematrimoniali e i contratti successori sono complementari, ma la linea di demarcazione tra i due può essere difficile a seconda dei casi specifici. In base ai rapporti finanziari tra i coniugi, può essere consigliabile stipulare sia un accordo prematrimoniale che un contratto successorio.

Designazione di una procura

Le persone capaci di intendere e di volere possono nominare un soggetto di cui si fidano affinché operi per loro conto. La designazione di una procura può essere utile ad evitare interventi costosi e complicati della commissione per la protezione dei minori e degli adulti (KESB/APEA).

La designazione di una procura è adatta sia per i soggetti anziani che giovani. Con l’età, a causa di patologie o incidenti, è possibile perdere le proprie facoltà mentali. Quindi, è saggio mettere a punto un piano strategico per assicurarsi che siano i propri familiari ad occuparsi delle proprie questioni e non la commissione per la protezione.

Contenuti relativi alla designazione di una procura

Una persona in possesso delle sue facoltà mentali può nominare e conferire ad un procuratore il potere di rappresentarla, di farsi carico della sua cura e custodia e di gestire le sue questioni e i suoi beni personali in caso di incapacità ad agire. La designazione di una procura è un contratto. Accettando la nomina, la persona designata si assume l’esercizio dei doveri che le sono stati affidati.

  • Cura e custodia
    • Con l’espressione cura e custodia si intende il prendersi carico delle questioni personali del soggetto dichiarato incapace, come prendere decisioni sulle cure mediche e sulle esigenze quotidiane della persona in questione e sulla relativa assistenza.
  • Questioni finanziarie
    • Il procuratore nominato ha l’incarico di prendersi cura del reddito, del patrimonio e delle questioni finanziarie del soggetto dichiarato incapace, come per esempio gestire il patrimonio, pagare i conti ed occuparsi di altri obblighi finanziari.
  • Rapporti giuridici
    • La procura è valida nei rapporti giuridici con assicuratori, pubblica amministrazione ed istituzioni pubbliche e private. Il procuratore nominato può stipulare e porre fine validamente ad accordi ed obblighi contrattuali per conto del soggetto dichiarato incapace.