What happens to your casino rewards when you die?

If you’re a member of a casino loyalty program, there may be a great deal of money or comps in your account. When you die, does the account die with you?

An article by Mr. A.C. Casino explains that every Atlantic City casino handles the transaction differently. For example, Bally’s, Caesars, Harrah’s Resort and Showboat Casino-Hotel will transfer any reward credit balance to a surviving spouse or domestic partner. That spouse or partner will have to provide your reward’s card, your personal identification and proof of your death. Any reward credits will still expire on their preset expiration date; it will not be extended.

Borgata Hotel Casino & Spa has a similar policy but all of their comp dollars expire six months after they are earned.

The Tropicana Casino and Resort also has a similar policy but spouses need to link their accounts. Once that’s done, with proper documentation, any remaining dollar balance will be transferred to the surviving spouse’s account.

Golden Nugget, Resorts Casino Hotel, Revel Casino Hotel, Trump Plaza and Trump Taj Mahal Casino Resort consider the account closed when someone dies and the balance in not transferable.

If you don’t know what the policy is for your casino of choice, and you maintain a high balance in your loyalty account, you might want to contact that casino and ask. Don’t leave money on the table if you can avoid it.

And be sure to keep your loyalty card account number, PIN and casino host’s name and contact information with your access codes in a place where your spouse or next of kin can find them.

For more information about estate planning or keeping track of your assets, go to www.diesmart.com.

What Happens To Your Yahoo Japan Digital Assets When You Die?

On Monday, Yahoo Japan announced “Yahoo! Ending”, a program designed to help Yahoo Japan users plan for their death.   The search engine, in partnership with funeral services company Kamakura Shinsho, helps Yahoo Japan users make a will, find a grave, and plan their funeral.    Once Yahoo Japan confirms the user has died, the service will set up a memorial site, send out digital farewell messages, and delete personal data from Yahoo’s on line system.      In the future, Yahoo Ending could be expanded to work with credit card, insurance and other companies to manage a wider scope of personal data left behind when users pass away.

Yahoo Ending answers the question “what happens to your Yahoo Japan digital assets when you die”.  Once Yahoo Japan receives proof of death, Yahoo Japan assumes it has the legal authority to delete digital assets created and stored on Yahoo Japan.

In the United States, Yahoo digital assets are in fact part of the estate of the deceased.   Before we created our digital life, we stored photos and art in an album or a picture frame.   Our emails and text messages were paper letters and notes stored in a file cabinet.    When someone dies, the estate representative is required by law to take an inventory of property owned by the deceased and assign a value to the property, including their digital assets.    The estate representative is then required by law to dispose of property the deceased owned based on instructions left in a will or a trust, or state intestate laws if the decedent died without a will or a trust.   In today’s paper world, estate representatives or beneficiaries must provide documents providing they are managing the assets according to the wishes of the deceased.    In a paper world, proof of death does not trigger the automatic deletion or destruction of property owned by the decedent.

The question “what happens to our digital assets” continues to be the subject of legal debate as the internet service providers and the legal infrastructure grapple with the rules and processes for managing and disposing of digital assets that are in fact part of our estate.

We need programs and policies that don’t just deal with the death of the account owner, but also provide a way for trustees and conservators to manage our digital assets in the case of incapacity.

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One thing you should do when putting your affairs in order

A friend sent this to me the other day.  I thought it was worth sharing.

The doctor, after an examination, sighed and said, “I’ve got some bad news.
You have cancer, and you’d best put your affairs in order.”

The woman was shocked, but managed to compose herself and walk into the waiting room where her daughter was waiting.

‘Well, my dear daughter, we women celebrate when things are good, and we celebrate when things don’t go so well.

In this case, things aren’t well. I have cancer. So, let’s head to the club and have a martini.’

After 3 or 4 martinis, the two were feeling a little less somber. There were some laughs and more martinis.

They were eventually approached by some of the woman’s old friends, who were curious as to what the two were celebrating.

The woman told her friends they were drinking to her impending end, ‘I’ve been diagnosed with AIDS.’   The friends were aghast, gave the woman their condolences and beat a hasty retreat.

After the friends left, the woman’s daughter leaned over and whispered, ‘Momma, I thought you said you were dying of cancer, and you just told your friends you were dying of AIDS! Why did you do that?’

‘Because I don’t want any of those bitches sleeping with your father after I’m gone.’

And THAT, my friends, is what is called, ‘Putting Your Affairs In Order.’

Actually, she could protect her money by setting up a trust to ensure that her children got her money, not her husband’s new sweetie.   But it’s still a good story,

For more information about estate planning, wills and trusts, go to www.diesmart.com.

Do you want to stay next to your pet forever?

The Virginia legislature recently amended state burial law to allow cemeteries to provide designated spaces for burying pets in caskets next to their owners.

Prior to passage of the new law, cremated remains of a pet could be buried in the casket with the deceased or the body could be interred in a pet cemetery adjacent to one for humans.  An example cited in an article in the Martinsville Bulletin prior to passage of the new law is Noah’s Ark, a pet cemetery, that is adjacent to National Memorial Park Cemetery in Falls Church, VA.

The new measure is intended to help people who think of their pets as family members and who want them buried with them.  The law specifies that pets and owners cannot share the same grave, crypt or niche and the pet section of the cemetery has to be clearly marked.

Now that the measure has passed, a couple can buy three adjacent plots – one for each of them and the one in the center for their beloved pet. 

A few years ago, the New York legislature passed a law allowing humans to be buried in pet cemeteries along with their pets.  However, pets still cannot be buried in cemeteries intended for humans.

Burial of a pet with its owner after death is a topic that has spurred a lot of discussion and emotions but very few states up to now have tried to deal with this issue.

For more information about end of life planning, go to www.diesmart.com.

What has Facebook done to the accounts of deceased people?

Facebook recently announced that they have changed their rules related to memorializing the account of a deceased person.    In the past, Facebook determined who could see that memorialized page.  Now, the changed rule says that the memorialized page can be seen by the same people as were able to see the page of the living person.  In other words, the decisions made by that person will be honored after his or her death.

Once the account has been memorialized, there can be no modifications to the site.  No friends can be added or deleted, no photos can be modified and no content that was posted by the site owner can be removed.  However, if the privacy settings set up by the deceased allow this, friends may be able to share memories on the memorialized timeline.  And anyone can send private messages to the deceased person.  Why someone would want to do this, I don’t know.  However, it is now allowed.

If you wish to memorialize a loved one’s Facebook page, the place to get started is with the request for memorialization form.  You will be asked for a link to the deceased’s Facebook page.  You will also be asked your relationship to that person, his or her year of death and proof of that death, i.e. a link to an obituary or news article.

Once Facebook has reviewed and approved the submission, the page will be memorialized.

To read more about social media accounts of the deceased, go to www.diesmart.com.