California Medical Debt: California AB 1020, effective January 1, 2022, amends Cal. Civ. §§ 1788.14, 1788.52 and 1788.58, adds Cal. Civ. Code. § 1788.185, Cal. Health & Safety Code amends §§ 127400, 127401, 127405, 127410, 127420, 127425, 127435, 127440 and 127444 and adds Cal. Health & Safety Code § 127436. Among the changes, it ensures that more people are eligible for financial assistance in hospitals, increases the likelihood that the assistance will be used, and limits the circumstances in which medical debt can be sold to a debt buyer.
Bill 245 introduces some changes for individuals in Ontario. For anyone who marries in 2022 and already has a will, it remains in force. Unless there are already provisions for the person who is now the spouse, there are no provisions for the new spouse. The change in the law is not retroactive, so anyone who married before January 1, 2022 is still trapped under the previous rules and therefore does not have a will unless they made a new will after the marriage or before the marriage, and in particular by considering marriage. CLB`s expertise includes policy analysis and advocacy; publications on consumer and energy law; litigation; Expert services as well as training and advice for lawyers. NCLC works with nonprofit and legal advisory organizations, private lawyers, policy makers, federal and state governments, and courts across the country to end exploitative practices, help financially stressed families build and maintain prosperity, and promote economic equity. Never make assumptions when it comes to what will happen to your estate. It is always good to review your will every few years or if there has been a significant change in your living situation. NCLC encourages readers to submit other consumer law changes that will come into effect in 2022, especially new state laws to be added to this article.
Send suggestions to [email protected] What do these changes mean to you? We break down the changes and everything you need to know about Bill 245. Rusek agreed that the new law “could outweigh the intention to distribute to a spouse in a will.” The bottom line is that you have your will checked regularly to reflect your current situation, even if you don`t think any changes need to be made. Laws are constantly changing and you don`t want your intended desires for your property to be questioned. From 1. In January 2022, your ex-spouse will no longer have any property rights under the new legislation, even if you are not legally divorced. Separation is treated as if you were divorced. (Currently, unless you have a separation agreement that states otherwise, your ex-spouse can apply for part of your estate under family law.) Bill 245 was first introduced in February 2021. This bill was passed through various amendments to the Ontario Estate Law Reform Act.
Most of the changes will come into effect on January 1, 2022. A few years later, John decided to remarry. If his marriage takes place before January 1, 2022, his existing will is no longer considered valid. If he were to die, his estate would be considered an “intestate”, that is, without the will to give any indication of what happened to his property. (This is a completely different issue and is the subject of a future column; in the meantime, contact your local lawyer.) It also assumes that there was no prenuptial agreement. Bankruptcy Act: Major changes to dollar amounts throughout the U.S. Bankruptcy Act will come into effect on April 1, 2022. The amounts will be determined in early 2022 on the basis of inflation. Surprise medical bills: A bill that provides patients with protection against surprise medical bills is in effect for insurance plan years starting January 1, 2022. See Consolidated Appropriation Act, 2021, No Surprises Act, Div.
BB, tit. I (p. 4095 of the version linked here). The No Surprises Act creates a negotiation requirement and arbitration system between health care providers and insurance companies to resolve many surprising billing disputes. The law applies to many health care providers, including air rescue companies, but not to ground rescue services. The law applies to group or individual health insurance, including self-funded plans offered by large employers, but certain types of coverage or products that are not legally considered group or individual health insurance (such as short-term plans or religious health programs) are not included. During COVID-19, Ontario passed legislation that allowed for virtual testimony of wills. With Bill 245, virtual testimony is now a permanent alternative for Ontarians. The possibility of a virtual testimonial makes it much easier to consult your documents without having to meet in person.
A positive result of these changes is that couples who have lived together and decide to marry, or couples who have otherwise made satisfactory arrangements for estate planning, do not need to change their wills once married. There will be no need for wills made just before marriage to say they are made “in consideration of marriage.” As of January 1, 2022, significant changes to estate planning will come into effect. Anyone who has separated from their spouse, is in a common-law relationship or intends to marry in 2022 should be aware of these changes in Ontario`s laws. California`s constrained debt: California AB 1243, effective January 1, 2023, signed September 23, 2021, cal. Welf will modify, cancel and add. & Inst. Code § 15657.03 to create an injunction for the financial exploitation of the elderly and dependent on adults, to allow judges who issue injunctions against the elderly and dependents to make similar findings that certain debts are the result of forced debts. This gives the protected party an additional tool to settle debts with creditors, debt collectors and/or credit reference agencies. Once the new regulations come into effect, a will made before the marriage will survive after the marriage.