<div dir="ltr">Good point Heather. But this will become a bigger issue that needs to be addressed when we now can utilize a beneficiary deed since that will presumably cut down on more probate openings. What do we do with a deposit refund or returned utility payment, etc when they are minor checks. Maybe an oversight by legislature that needs to be dealt with otherwise they go uncashed (who is going to open a probate for such small amounts). It usually is not worth the beneficiary's expense to pay me to start writing letters and all the other nonsense to insurance companies or the like - usually not worth their time either. It is a catch-22.<br></div><div class="gmail_extra"><br clear="all"><div><div class="gmail_signature"><br>Paul H. Grant - JD, LL.M<br><br>Planning with Purpose, Inc<br>Lynnwood, WA 98036<br>425-939-9948<br><a href="http://www.planningwithpurposeinc.com" target="_blank">www.planningwithpurposeinc.com</a><br><br>Estate Planning. Business Planning. Wealth Succession.<br><div style="display:inline"></div><div style="display:inline"></div><div style="display:inline"></div></div></div>
<br><div class="gmail_quote">On Mon, Dec 21, 2015 at 8:49 AM, Heather deVrieze <span dir="ltr"><<a href="mailto:heatherd@westseattlelaw.com" target="_blank">heatherd@westseattlelaw.com</a>></span> wrote:<br><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">I believe that the small estate affidavit is inappropriate in this circumstance.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">RCW 11.62 specifically requires that the affidavit state “</span><span style="font-family:"Helvetica",sans-serif;color:black;background:white">(c) That the value
of the decedent's entire estate subject to probate, not including the surviving spouse's or surviving domestic partner's community property interest in any assets which are subject to probate in the decedent's estate, wherever located, less liens and encumbrances,
does not exceed one hundred thousand dollars;”</span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Unless the real property is of little value, the statement cannot be truthfully made. And, because real estate will need to be administered at some point, now
would seem the appropriate time to do it.<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d">Heather<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
<p class="MsoNormal"><span style="font-size:16.0pt;font-family:"Vladimir Script";color:#1f497d">Heather S. de Vrieze</span><b><span style="font-size:16.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><br>
</span></b><i><span style="font-size:11.0pt;font-family:"Garamond",serif;color:#1f497d">Attorney-at-Law<u></u><u></u></span></i></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:#44524e">3909 California Avenue SW<u></u><u></u></span></p>
<p class="MsoNormal"><span style="font-size:10.0pt;font-family:Nyala;color:#44524e">Seattle, WA 98116-3705
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><a href="mailto:heatherd@westseattlelaw.com" target="_blank"><span style="font-size:10.0pt;font-family:Nyala;color:#44524e">heatherd@westseattlelaw.com</span></a></span><span style="font-size:10.0pt;font-family:Nyala;color:#44524e">
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;color:#1f497d"><u></u> <u></u></span></p>
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<div style="border:none;border-top:solid #e1e1e1 1.0pt;padding:3.0pt 0in 0in 0in">
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Jennifer Johnson<br>
<b>Sent:</b> Sunday, December 20, 2015 3:53 PM<span class=""><br>
<b>To:</b> WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">wsbapt@lists.wsbarppt.com</a>><br>
</span><b>Subject:</b> Re: [WSBAPT] Insurance check issued to deceased person<u></u><u></u></span></p>
</div>
</div><div><div class="h5">
<p class="MsoNormal"><u></u> <u></u></p>
<p class="MsoNormal">Thank you all for the responses. <u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<div>
<p class="MsoNormal">I understand that the affidavit can’t be used to transfer real property. I’ve already recommended a quick probate and the heirs want to discuss it. Since one of them already has the insurance check (hazard insurance that paid out when
a tree fell on an outbuilding on the property) in hand, they wanted to know what other options were available, particularly one that would allow them to deposit the check now.<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<p class="MsoNormal">The title company is ok with all of the heirs executing a deed to transfer the property.<u></u><u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
</div>
<div>
<p class="MsoNormal">Jennifer<u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><u></u> <u></u></p>
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<div>
<div>
<p class="MsoNormal"><span style="color:black">Jennifer Johnson | Attorney<u></u><u></u></span></p>
</div>
<div>
<p class="MsoNormal"><span style="color:black">Hanigan Law Office, PS<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="color:black">PO Box 39 - 68 Main Street<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="color:black">Cathlamet, WA 98612<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="color:black"><a href="tel:%28360%29%20795-3494" value="+13607953494" target="_blank">(360) 795-3494</a><u></u><u></u></span></p>
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<p class="MsoNormal"><span style="color:black"><a href="tel:%28360%29%20795-3001" value="+13607953001" target="_blank">(360) 795-3001</a> (f)<u></u><u></u></span></p>
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<p class="MsoNormal"><span style="color:black"><u></u> <u></u></span></p>
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<p class="MsoNormal" style="margin-bottom:12.0pt"><u></u> <u></u></p>
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<p class="MsoNormal"><u></u> <u></u></p>
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<blockquote style="margin-top:5.0pt;margin-bottom:5.0pt">
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<p class="MsoNormal">On Dec 19, 2015, at 12:03 PM, Tom J. Westbrook <<a href="mailto:tjw@w3net.net" target="_blank">tjw@w3net.net</a>> wrote:<u></u><u></u></p>
</div>
<p class="MsoNormal"><u></u> <u></u></p>
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<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">I’m of the same mind as John on this……..and what do you mean by an insurance policy covering the real property? Was it insurance to pay off a mortgage?<span> </span></span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"> </span><u></u><u></u></p>
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<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">In any case, unless the property is owned as joint tenants with rights of survivorship, you will still need to probate to get Mom’s name off the property. And since
there is real estate involved, you can’t use the small estate affidavit.<span> </span></span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"> </span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Sincerely,</span><u></u><u></u></p>
</div>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"> </span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Tom</span><u></u><u></u></p>
</div>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"> </span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Thomas J. Westbrook</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Attorney at Law</span><u></u><u></u></p>
</div>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"> </span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Rodgers, Kee & Card</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">324 West Bay Drive NW, Suite 201</span><u></u><u></u></p>
</div>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Olympia, Washington 98502</span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"> </span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Phone: <a href="tel:360-352-8311" value="+13603528311" target="_blank">360-352-8311</a></span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Facsimile: <a href="tel:360-352-8501" value="+13603528501" target="_blank">360-352-8501</a></span><u></u><u></u></p>
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<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Email:<span> </span><a href="mailto:tjw@buddbaylaw.com" target="_blank"><span style="color:#954f72">tjw@buddbaylaw.com</span></a></span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a">Skype: thomas.westbrook</span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"><a href="http://www.buddbaylaw.com/" target="_blank"><span style="color:#954f72">www.buddbaylaw.com</span></a></span><u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:11.0pt;font-family:"Arial",sans-serif;color:#44546a"> </span><u></u><u></u></p>
</div>
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<div style="border:none;border-top:solid #b5c4df 1.0pt;padding:3.0pt 0in 0in 0in">
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<p class="MsoNormal"><b><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif">From:</span></b><span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"> </span></span><span style="font-size:10.0pt;font-family:"Tahoma",sans-serif"><a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>
[<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]<span> </span><b>On Behalf Of<span> </span></b>John Creahan<br>
<b>Sent:</b><span> </span>Friday, December 18, 2015 6:00 PM<br>
<b>To:</b><span> </span>WSBA Probate & Trust Listserv<br>
<b>Subject:</b><span> </span>Re: [WSBAPT] Insurance check issued to deceased person</span><u></u><u></u></p>
</div>
</div>
</div>
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<p class="MsoNormal"> <u></u><u></u></p>
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<div>
<p class="MsoNormal"><span style="color:#595959">Hi,</span><u></u><u></u></p>
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<div>
<p class="MsoNormal"><span style="color:#595959">I’m curious what the heirs plan to do with the real property. Is the property in mom’s name, or was it a joint tenancy property? Is mom the named insured on the insurance policy? Has the property’s use changed?</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="color:#595959">Unless it was joint tenancy, it seems like the heirs are going to have to open a probate eventually, and it may make sense to do it now. You could potentially open it and close it the same day, after cashing
the check and recording the deed. Is the check large enough to cover the probate costs?</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="color:#595959">My $.02.</span><u></u><u></u></p>
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<div>
<p class="MsoNormal"><span style="color:#595959">John</span><u></u><u></u></p>
</div>
<div>
<p class="MsoNormal"><span style="color:#595959"> </span><u></u><u></u></p>
</div>
<div>
<div>
<p class="MsoNormal"><span style="font-size:14.0pt;font-family:"Tw Cen MT",serif;color:#595959">John Creahan</span><u></u><u></u></p>
</div>
<p class="MsoNormal" style="margin-bottom:12.0pt"><span style="font-family:"Tw Cen MT",serif;color:#595959"><a href="tel:206-621-5848" value="+12066215848" target="_blank">206-621-5848</a><br>
<a href="http://www.cairn-law.com/" target="_blank"><span style="color:#595959">www.cairn-law.com</span></a></span><u></u><u></u></p>
<div>
<p class="MsoNormal"><span style="color:#595959"> </span><u></u><u></u></p>
</div>
</div>
<div>
<p class="MsoNormal"><span style="color:#595959"> </span><u></u><u></u></p>
</div>
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<div style="border:none;border-top:solid #e1e1e1 1.0pt;padding:3.0pt 0in 0in 0in">
<div>
<p class="MsoNormal"><b><span style="font-size:11.0pt;font-family:"Calibri",sans-serif">From:</span></b><span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"> </span></span><span style="font-size:11.0pt;font-family:"Calibri",sans-serif"><a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank"><span style="color:#954f72">wsbapt-bounces@lists.wsbarppt.com</span></a><span> </span>[<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank"><span style="color:#954f72">mailto:wsbapt-bounces@lists.wsbarppt.com</span></a>]<span> </span><b>On
Behalf Of<span> </span></b>Jennifer Johnson<br>
<b>Sent:</b><span> </span>Friday, December 18, 2015 4:48 PM<br>
<b>To:</b><span> </span>WSBA Probate & Trust Listserv <<a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank"><span style="color:#954f72">wsbapt@lists.wsbarppt.com</span></a>><br>
<b>Subject:</b><span> </span>[WSBAPT] Insurance check issued to deceased person</span><u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal">Good afternoon,<u></u><u></u></p>
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<div>
<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal">Client recently received a check from an insurance company that was issued to the estate of her deceased mother. Her mom passed away four years ago and left a piece of real property and an insurance policy covering the real property, neither
of which were ever transferred by the heirs. She took the check to the bank and, not surprisingly, the bank wants letters testamentary, an EIN for the estate, etc. Also not surprisingly, client does not want to probate.<u></u><u></u></p>
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<p class="MsoNormal">I am wondering if, provided that mom’s estate qualifies, the small estate affidavit might be used to get the bank to either cash the check or let client deposit it? Or to get the insurance company to reissue a check to the successor instead
of the estate? Or perhaps there is a simpler solution that my Friday afternoon brain isn’t thinking of?<u></u><u></u></p>
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<p class="MsoNormal">I appreciate any advice or experience you all may have.<u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal">Thank you,<u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal">Jennifer<u></u><u></u></p>
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<p class="MsoNormal"> <u></u><u></u></p>
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<p class="MsoNormal">Jennifer Johnson | Attorney<u></u><u></u></p>
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<p class="MsoNormal">Hanigan Law Office, PS<u></u><u></u></p>
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<p class="MsoNormal">PO Box 39 - 68 Main Street<u></u><u></u></p>
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<p class="MsoNormal">Cathlamet, WA 98612<u></u><u></u></p>
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<p class="MsoNormal"><a href="tel:%28360%29%20795-3494" value="+13607953494" target="_blank">(360) 795-3494</a><u></u><u></u></p>
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<p class="MsoNormal"><a href="tel:%28360%29%20795-3001" value="+13607953001" target="_blank">(360) 795-3001</a> (f)<u></u><u></u></p>
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:red">CONFIDENTIALITY NOTICE: </span><b><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:blue">THIS EMAIL IS INTENDED TO BE A CONFIDENTIAL AND PRIVILEGED
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<p class="MsoNormal"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:red">DISCLAIMER NOTICE: </span><span style="font-size:10.0pt;font-family:"Arial",sans-serif;color:navy">Email communication on the internet is NOT secure. There is a risk
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