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如何給另一半實質上的保障

熱度 1已有 552 次閱讀2011-7-19 01:03 |個人分類:黑青

妳以為寫遺書有用嗎!?
      
 
                                                                         
根據繼承法規,遺贈(將遺產留給另一半是"贈與")如侵害到法定繼承人的特留分時
                                                                               
,得自遺贈財產扣減之。甚至於,如果妳的家人去跟另一半爭財產呢?
                                                                               
比如前一陣子某知名補習班老師上億財產不留給家人,卻都給了外人的新聞,
                                                                               
姑且不論,其中的關係如何,試想這是我們自己想將所有的財產留給另一半,
                                                                               
以確保另一半往後的生活,
                                                                               
即便是從病發前3年陸陸續續移轉名下財產給另一半,
                                                                               
即便是在重病的情況下,親赴銀行領錢給另一半,
                                                                               
但我們的另一半在我們死後,仍然無法擺脫被追討該筆款項的命運….
                                                                               
http://www.libertytimes.com.tw/2010/new/jul/5/today-so4.htm
                                 
 
 
 
 
 
 
就財務管理方面
                                                                               
曾有高人指點迷津 (作者陳衣怜)
                                                                               
http://www.wretch.cc/blog/awakentw1982/33135203
                                                                               
  
 
                                                                             
我把它整理一下,有幾個重點
                                                                               
1.      簽訂伴侶契約,而且一定要辦理 "公證",才有強制執行的效果
                                                                               
2.      將父母 "" 同性伴侶指定為保險受益人
                                                                               
3.      辦理財產他益信託

 

首先,針對簽訂伴侶契約,範圍可以涵蓋財務、保險、遺產、子女監護權…,
                                                                               
簽訂伴侶契約最重要的是辦理公證,將來如果有其中一方拒絕履行契約,便可聲請
                                                                               
法院強制執行。

 

然而實際生活上,我們也往往面臨一些困難,請參酌以下例子
                                                                               
http://gsrat.net/news2/newsclipDetail.php?ncdata_id=1832   
                                                                               
                                                                               
(1)聯名帳戶:X
                                                                                
                                                                               
華銀有一種「夫妻聯名」開立的帳戶,叫做同心存款,兩人一起開戶,200萬的額度內,
                                                                               
都以活儲利率計息,而且,兩人各有一張金融卡,可以操作ATM提款,頗為方便。
                                                                               
但是,開戶的雙方必須是「夫妻」,目前,同志在台灣還無法取得夫妻的法律身分,
                                                                               
所以,也沒辦法利用這種存款帳戶,聯名開戶存錢。
                                                                               
                                                                               
對於聯名戶,中國商銀人員說,其實只要一個人開戶,金融卡、印章、存摺給另一人,
                                                                               
一樣有財務照顧的功能,像實務作業上,有時候會有男方開戶、存摺給女同居人的情況。
                                                                               
(這種作法還是會有風險,開戶的人隨時可以變更密碼,而把錢提走,個人不太建議)

 (2)信用卡正、附卡:X
 
                                                                              
正、附卡的持卡人一定要有法律上的「親屬」,核卡要件非常嚴苛。
                                                                               
                                                                               
                                                                               
其餘理財方式,比如買黃金、買鑽石等等,這些動產大抵上比較容易做移轉,
                                                                               
而車子則有過戶的問題,就比較難以劃分,還是只能以掛名的那個為主

 

 

其次,指定保險受益人是有小訣竅!!
                                                                               
生老病死這條必經之路,對同志也是考驗。
                                                                               
律師莊喬汝說,根據保險法規定,保險受益人並沒有一定要是法定親屬的規定。
                                                                               
不過保險公司擔心道德上的風險,因此審查非常嚴格,
                                                                               
通常不會讓親屬以外的民眾成為保險人的受益人。
                                                                               
唯一的解決方式,只能設法找一位對同志友善的保險業務員。
                                                                               
但是,即使成功的將同志伴侶指定為保險受益人。
                                                                               
被保險人過世後要請領保險金時,會需要請領死亡證明與除戶證明書,
                                                                               
才能向保險公司收申請理賠。不過這兩者只有法定親屬才能申請。
                                                                               
不少同志伴侶間的關係,並未讓親屬得知,
                                                                               
因此增加同志伴侶向被保險人家屬索取「死亡證明」以及「除戶證明」的困難度。


律師莊喬汝表示,其實還是有一些小訣竅,同志伴侶可以把握。
                                                                               
例如「設定比例」,比方說將理賠金百分之四十留給父母,百分之六十留給伴侶。
                                                                               
由父母先去申請死亡及除戶證明來請領保險金,保險公司收到通知後就
                                                                               
會主動發出兩筆理賠金。同志伴侶也可藉此獲得理賠。
 
 
 
 
最後,則是辦理財產他益信託
                                                                               
「信託」的概念比較難以說明,
                                                                               
簡單來說,就是財產(通常為不動產@@)信託給金融機構,每年支付給金融機構保管費,
                                                                               
信託財產可避免財產遭受不當處分,信託法賦予信託財產非常周全之保障,
                                                                               
原則上任何人,包括委託人、受益人的債權人,對信託財產皆不得為強制執行,
                                                                               
若委託人面臨無法預期之債務問題,信託財產仍可充分保障受益人的受益權,
                                                                               
以達成委託人的信託目的。
                                                                               
                                                                               
換言之,只要成立財產信託契約,
                                                                               
就可以將管理財產的利益於特定時期移轉予受益人,
                                                                               
可充分達成委託人之信託目的。
惟值得注意的是,有贈與稅的問題@@
                                                                               
                                                                               
                                                                               
相關的資料都有連結網址,如有說明不清楚的地方,請自行參酌,謝謝。

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