Kenneth Vercammen, Esq is Chair of the ABA Elder Law Committee and presents seminars to attorneys and the public on Wills, Probate and other legal topics related to Estate Planning and Elder law. He is author of the ABA's book "Wills and Estate Administration. Kenneth Vercammen & Associates,
2053 Woodbridge Avenue - Edison, NJ 08817
(732) 572-0500 More information at

Sunday, April 17, 2022

Free Wills and Power of Attorney available for Princeton University covered employees under Metlife Legal Plan


Free Wills and Power of Attorney available for Princeton University covered employees under Metlife Legal Plan

The Law Office of Kenneth Vercammen serves as a New Jersey Access Attorney for Metlife Legal HYATT Plan and several other major national legal service plans. We prepare Wills, Powers of Attorney and Living Wills for members. 


      For covered Princeton University employees, they will be entitled to a free Will for them and spouse, Power of Attorney for husband & wife, Living Will husband & wife, Testamentary Trust within a Will for minor children.  There is also representation for certain Traffic Offenses in NJ,



  Why a Will is essential to persons with children or who own property


     If you leave no Will or your Will is declared invalid because it was improperly prepared or is not admissible to probate:


* State law determines who gets assets, not you

* Additional expenses will be incurred and extra work will be required to qualify an administrator-Surety Bond, additional costs and legal fees

* Judge determines who gets custody of your children

* Possible additional State inheritance taxes and Federal estate taxes

*  If you have no spouse or close relatives the State may take your property

* The procedure to distribute assets becomes more complicated 

*  It may also cause fights and lawsuits within your family

     When loved ones are grieving and dealing with death, they shouldn’t be overwhelmed with financial concerns.  


     Who don’t you want to receive your assets?


     Who is not the best choice to raise your children, or safeguard your children's money for college?   Do you want children, or grandchildren, to get money when they turn 18?  Will they invest money wisely, or go to Seaside and play games?



What HYATT Metlife members can do to get started… 


HYATT Metlife members should call HYATT Metlife legal at 800.821.6400to obtain an authorization numbers for each Will, Power of Attorney, Codicil and Living Will you want. 

Members can also obtain authorization numbers online at


You can always call HYATT Metlife Legal Plans Monday through Thursday 8-7 and Friday 8-6 Eastern Time for assistance and information about your legal plan.


    After obtaining an authorization number, call Kenneth Vercammen’s Law Office for a free confidential consultation and preparation of Wills and estate planning documents- all free to HYATT Metlife members

A Will must not only be prepared within the legal requirements of the New Jersey Statutes but should also be prepared so it leaves no questions regarding your intentions.




     Even if you have an existing  Will, there are many events that occur which may necessitate changes in your Will.  Some of these are:


* Marriage, death, birth, divorce or separation affecting either you or  anyone named in your Will


* Significant changes in the value of your total assets or in any particular assets, which you own


* A change in your domicile


* Death or incapacity of a beneficiary, or death, incapacity or change in residence of a named executor, trustee or guardian of infants, or of one of the witnesses to the execution of the Will


* Annual changes in tax law


* Changes in who you like


If you have a current Will, can you change it the next year?


     Yes.  A Will may be modified, added to, or entirely changed at any time before your death provided you are mentally and physically competent and desire to change your Will.  You should consider revising your Will whenever there are changes in the size of your estate. For example, when your children are young, you may think it best to have a trust for them so they do not come into absolute ownership of  property until they are mature.  Beware, if you draw lines through items, erase or write over, or add notations to the original Will, it can be destroyed as a legal document.  Either a new Will should be legally prepared or a codicil signed to legally change  portions of the Will.























Kenneth A. Vercammen is an Edison, Middlesex County, NJ trial attorney who has published125 articles in national and New Jersey publications. He is co-chair of the Probate & Estate Planning Committee of the American Bar Association, Solo Division. He often lectures to trial lawyers of the American Bar Association, New Jersey State Bar Association and Middlesex County Bar Association.  

He is a highly regarded lecturer on litigation issues for the American Bar Association, ICLE, New Jersey State Bar Association and Middlesex County Bar Association. New Jersey Law Journal, ABA Law Practice Management Magazine, and New Jersey Lawyer have published his articles.  He is the Editor in Chief of the New Jersey Municipal Court Law Review. Mr. Vercammen is a recipient of the NJSBA- YLD Service to the Bar Award.

In his private practice, he has devoted a substantial portion of his professional time to the preparation and trial of litigated matters.  He has appeared in Courts throughout New Jersey several times each week on Criminal personal injury matters, Municipal Court trials, and contested Probate hearings.  He serves as the Editor of the popular legal website



2053 Woodbridge Ave.

 Edison, NJ 08817 

(Phone) 732-572-0500 

(Fax) 732-572-0030 





Stelton Senior Club meeting Wills & Estates Update Seminar May 2 at 12:00pm-1:00 Monday Edison Senior Center 2963 Woodbridge Ave, Edison, NJ 08837

 Stelton Senior Club meeting

Wills & Estates Update Seminar

May 2 at 12:00pm-1:00    Monday

   Edison Senior Center    

2963 Woodbridge Ave, 

Edison, NJ 08837

    Join the Stelton Senior Club to attend

    Wills & Estate Administration-Protect Your Family and Make Planning Easy 

Speaker: Kenneth Vercammen, Esq. Edison, NJ (Author-Wills and Estate Administration by the ABA)

    Main Topics:

1.       Handling Probate without going to New Brunswick Surrogate

2.       Dangers If You Have No Will or documents invalid

3.       Getting your Estate Planning Documents done when you can’t go into a law office

4.       Changes in Estate Tax

5.       Power of Attorneys recommendations

6.       Living Will & Advance Directive for Medical Care

    COMPLIMENTARY MATERIAL: Brochure on Wills, “Answers to Questions about Probate” and Administration of an Estate, Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trust.


Do you have a current will?  Have you ever had to deal with the probate process? The Edison law offices of Kenneth Vercammen will join the library this evening to hold a workshop on the latest legal issues regarding Estate Planning and Probate. Remember, the laws are constantly changing and you should be aware of what is new and how it will affect you and your family.  In a recent newsletter, lawyer Kenneth Vercammen tells us to "beware of the inexpensive forms you can get online."  He warns, "Often cheap online forms are rejected" in the probate process.  a hear what you need to know when considering how to legally protect your assets for your family. 


Free Will Seminars and Speakers Bureau for Groups


         At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates.  We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours.  If your organization in Central NJ would like to schedule a Will & Estates seminar, call Kenneth Vercammen’s Law Office at 732-572-0500 or email


     10 years ago the AARP Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago established a community Speakers Bureau to provide educational programs to AARP and senior clubs, Unions and Middlesex County companies. Now, Ken Vercammen, Esq. and volunteer attorneys of the Middlesex County Estate Planning Council have provided Legal Rights Seminars to hundreds of seniors, business owners and their employees, unions, clubs and non-profit groups.


Details on free programs available

    These quality daytime educational programs will educate and even entertain. Clubs and companies are invited to schedule a free seminar. The following Seminars are now available: 



2. POWER OF ATTORNEY to permit family to pay your bills if you are temporarily disabled and permit doctors to talk with family 

       All instructors are licensed attorneys who have been in practice at least 25 years. All instructors are members of the American Bar Association, New Jersey 

State Bar Association, and Middlesex County Bar Association. All programs include free written materials. 

    You don't have to be wealthy or near death to do some thinking about a Will. Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of state law. 

   Topics discussed include: Who needs a Will?; What if you die without a Will (intestacy)?; Mechanics of a Will; "Living Will"; Powers of Attorney; Selecting an executor, trustee, and guardian; Proper Will execution; Inheritance Taxes, Estate Taxes $14,000 annual gift tax exclusion,  Bequests to charity, Why you need a "Self-Proving" Will and Estate Administration/ Probate.


       Sample materials: Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney, Probate and Administration of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights. 



     At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates. We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours.

     In today's complex world, few people can function successfully and safely without competent legal advice. In order to insure your estate plans are legally set up, you need to know exactly where you stand so that you can avoid possibly catastrophic mistakes impacting both you and your family. 


       About the speaker: Kenneth A. Vercammen is a trial attorney in Edison, NJ. We is the author of the American Bar Association’s book “Wills and Estate Administration”

He is co-chair of the ABA Probate & Estate Planning Law Committee of the American Bar Association Solo Small Firm Division.  He is a speaker for the NJ State Bar Association at the annual Nuts & Bolts of Elder Law & Estate Administration program. 

He was Editor of the ABA Estate Planning Probate Committee Newsletter. Mr. Vercammen has published over 150 legal articles in national and New Jersey publications on litigation, elder law, probate and trial topics. He is a highly regarded lecturer on litigation and probate law for the American Bar Association, NJ ICLE, New Jersey State Bar Association and Middlesex County Bar Association. His articles have been published in noted publications included New Jersey Law Journal, ABA Law Practice Management Magazine, and New Jersey Lawyer. He established the NJlaws website which includes many articles on Estate Planning, Probate and Wills. He is a member of the AARP and often lectures to groups on the importance of an up to date Will, Power of Attorney and Living Will.



2053 Woodbridge Ave.

Edison, NJ 08817

(Phone) 732-572-0500

 (Fax)    732-572-0030 



Saturday, April 09, 2022



The Stephen Beck, Jr., Achieving a Better Life Experience Act (ABLE) became law on December 19, 2014. The law aims to ease financial strains faced by individuals with disabilities by making tax-free saving accounts available to cover qualified disability expenses.


The designated beneficiary of an ABLE account is the eligible individual who owns the ABLE account. He or she must be:

eligible for Supplemental Security Income (SSI) based on disability or blindness that began before age 26;

entitled to disability insurance benefits (DIB), childhood disability benefits (CDB), or disabled widow’s or widower’s benefits (DWB) based on disability or blindness that began before age 26; or

someone who has certified, or whose parent or guardian has certified that he or she met the criteria for a disability certification before age 26.

An eligible individual may have only one ABLE account.

A contribution is the deposit of funds into an ABLE account. Any person may contribute to an ABLE account for an eligible beneficiary. Typically, contributions for an ABLE account may not exceed the annual gift tax exemption ($15,000 in 2021). However, if the beneficiary is working, and they or their employer is not contributing to a retirement plan, they may contribute an additional amount equal to the lesser of their annual gross income or the individual Federal Poverty Level which is $12,760 in the continental US, $15,950 in Alaska, and $14,680 in Hawaii.

A distribution is the withdrawal from an ABLE account.  Distributions are only to or for the benefit of the designated beneficiary. 

A person with signature authority can establish and control an ABLE account for a designated beneficiary who is a minor child or is otherwise incapable of managing the account.

Qualified disability expenses (QDE) are expenses made for the benefit of the designated beneficiary and related to his or her disability, including, but not limited to:




Employment training and support;

Assistive technology and related services;


Prevention and wellness;

Financial management and administrative services;

Legal fees;

Expenses for ABLE account oversight and monitoring;

Funeral and burial; and,

Basic living expenses.

A rollover is:

 the distribution of all or some of the funds from one ABLE account to the ABLE account of a member of the original designated beneficiary's family;or

A limited amount from a qualified tuition plan (also called a 529 plan) to the SSI applicant, recipient, or deemor’s ABLE account. Source

SSI Program

We disregard the first $100,000. Only assets above $100,000 count as a resource. If an ABLE balance exceeds $100,000 by an amount that causes you to exceed the SSI resource limit -- whether alone or with other resources, we suspend the SSI payment until the countable resources are below the allowable limit.

Medicaid Program

A beneficiary's Medicaid continues when an SSI recipient's ABLE account exceeds $100,000 by an amount that causes the recipient to exceed the SSI resource limit--whether alone or with other resources. The recipient retains eligibility for Medical Assistance (Medicaid) without a time limit as long as he or she remains otherwise eligible. If ABLE resources above $100,000 cause an individual to exceed the resource limit, then Medicaid continues uninterrupted. If non ABLE resources over $100,000 cause an individual to exceed the resource limit, Medicaid is suspended.

Medicaid Payback Provision

A portion or all of the balance remaining in the ABLE account of a deceased designated beneficiary must be distributed to a State that files a claim against the designated beneficiary or the ABLE account itself with respect to benefits provided to the designated beneficiary under that State's Medicaid plan. The payment of such claim (if any) will be made only after providing for the payment from the designated beneficiary's ABLE account of the designated beneficiary's funeral and burial expenses and all outstanding payments due for his or her other qualified disability expenses, and will be limited to the amount of the total medical assistance paid for the designated beneficiary after the establishment of the ABLE account over the amount of any premiums paid, whether from the ABLE account or otherwise by or on behalf of the designated beneficiary, to a Medicaid Buy-In program. After the expiration of the applicable statute of limitations for filing Medicaid claims against the designated beneficiary's estate, a qualified ABLE program may distribute the balance of the ABLE account to the successor designated beneficiary or, if none, to the deceased designated beneficiary's estate. Some States have taken steps to limit payback.


Frequently Asked Questions:

1. What is an ABLE account?

An Achieving a Better Life Experience (ABLE) account is a tax-advantaged savings account to which contributions can be made to meet the qualified disability expenses of the owner, or designated beneficiary. ABLE accounts receive favorable treatment and are excluded from resources in whole or in part, for purposes of certain means-tested Federal programs.

3. Who is eligible to own an ABLE account?

In order to be eligible to own an ABLE account, a person must:

be eligible for Supplemental Security Income (SSI) based on disability or blindness that began before age 26;

be entitled to Social Security Disability Insurance benefits (DIB), childhood disability benefits (CDB), or disabled widow’s or widower’s benefits (DWB) based on disability or blindness that began before age 26; or

have certified, or have a parent or guardian that has certified, that he or she met the criteria for a disability certification before age 26.

4. Do you have to provide proof of disability when opening an ABLE account?

Proof of disability is one of the criteria necessary to establish an ABLE account.  However, State ABLE programs determine what additional proof an individual must provide at account establishment and recertification.  In regard to proof of disability, the eligible person, or the eligible person’s authorized legal representative, certifies that the person:

is eligible for Supplemental Security Income (SSI) based on disability or blindness that began before age 26,

is entitled to Social Security Disability Insurance benefits (DIB), childhood disability benefits (CDB), or disabled widow’s or widower’s benefits (DWB) based on disability or blindness that began before age 26, or

meets the criteria for a disability certification before age 26.

The person must make the proof available for the IRS or the ABLE program if requested to satisfy the disability certification requirement.  Account owners must recertify their eligibility annually.

5. Who is the owner and beneficiary of an ABLE account?

The person with the disability is the owner and the beneficiary of the ABLE account. Therefore, you may see “owner” and “designated beneficiary” used interchangeably when you get information about ABLE accounts.

6. Do ABLE account balances count toward the SSI statutory resource limit?

Up to and including $100,000 in the person’s ABLE account is excluded from being treated as a countable resource for SSI benefits calculations.

7. What happens if an SSI recipient has more than $100,000 in an ABLE account?

Up to and including $100,000 in an ABLE account is disregarded.  Only assets above $100,000 count as a resource for SSI purposes.  If the ABLE account balance exceeds $100,000 by an amount that causes the SSI recipient to exceed the $2,000 resource limit, either alone or with other resources, SSI benefits will be suspended without a time limit (assuming that the individual otherwise remains eligible for SSI).  SSI benefits are reinstated for all months in which the ABLE account balance no longer causes the individual to exceed the resource limit and the individual is otherwise eligible for SSI.

8. Will Medicaid be suspended if the ABLE account exceeds $100,000?

No. Medicaid eligibility continues even if the ABLE account exceeds $100,000 by an amount that causes the recipient to exceed the SSI resource limit, whether alone or with other resources, as long as the individual remains otherwise eligible for SSI.

9. Who may contribute to an ABLE account?

Any person may contribute to, or deposit funds into, an ABLE account. (The Internal Revenue Code defines a person as including an individual, trust, estate, partnership, association, company, or corporation.)

11. How much may be contributed annually to an ABLE account?

Total contributions from all sources are limited to the annual gift tax exclusion. In 2022, the limit is $16,000.

12. Can more money be contributed to the ABLE account of a working account owner?

Yes. ABLE account owners who are employed, and for whom certain other contributions have not been made for the taxable year, may contribute additional funds to the accounts beyond the annual gift tax exclusion limit ($16,000 in 2022). The additional annual contribution may not exceed the federal poverty level for a one-person household for the calendar year preceding the calendar year in which the tax year begins (in your state of residence) or the designated beneficiary's gross wages for the taxable year, whichever is less.

14. What are Qualified Disability Expenses (QDE)?

Qualified Disability Expenses (QDE) are expenses that relate to the disability or blindness of the designated beneficiary and that are for the benefit of the designated beneficiary in improving health, independence, or quality of life. Such expenses include, but are not limited to, expenses related to the designated beneficiary’s: education; housing; transportation; employment training and support; assistive technology; healthcare, prevention and wellness; financial management and administrative services; legal fees; account oversight and monitoring; funeral and burial expenses; and basic living expenses.

15. Do distributions from ABLE accounts impact SSI benefits?

A distribution for a housing expense or for an expense that is not a QDE is counted as a resource, if the designated beneficiary retains the distribution into the month following the month of receipt. If the designated beneficiary spends the distribution within the month of receipt, there is no effect on SSI eligibility.

16. Who can open an ABLE account?

The ABLE account may be established by a person selected by the eligible individual; or If an eligible individual (whether a minor or adult) is unable to establish his or her own ABLE account, an ABLE account may be established on behalf of the eligible individual by: the eligible individual’s agent under a power of attorney or, if none, by a conservator or legal guardian; spouse, parent, sibling, grandparent of the eligible individual; or a representative payee appointed for the eligible individual by the Social Security Administration (SSA), in that order. An account opened by a representative payee appointed by SSA must meet all of the SSA account rules and requirements.


Wednesday, April 06, 2022




4 Benefits:                                      


(1) Avoid nursing home costs/ Medicaid getting the house if you have to go into nursing home AFTER 5 years



(2) Gives responsibility/ up keep to children



(3) Transfers property to avoid probate



(4) Children responsible for taxes



(5) If child dies, who gets the house



  Major Problems:

(1)         Children/ new owners can kick you out and sell the house

(2)         (2) If children don’t pay taxes or sewer charges, town can foreclose

(3)         (3) If there is lawsuit against children, lose house or lien


(4) Lose senior citizen and/or veterans tax, life line, homestead



(5) If child does not live in house,   high capital gains tax

(6) If child dies, the child’s heirs can kick you out and sell the house



Irrevocable Trust Trusts to avoid probate and possibly protect assets from creditors, Medicaid and nursing home

  Irrevocable Trust Trusts to avoid probate and possibly protect assets from creditors, Medicaid and nursing home


        Compiled by Kenneth Vercammen


Irrevocable Trust:

        An Irrevocable Trust is a Trust which cannot be changed or canceled once, it is set up without the consent of the beneficiary. Contributions cannot be taken out of the trust by the grantor. 

        Some older people set up Trusts to avoid paying look nursing home. There is a 5 year look back. Vercammen law office does not handle Medicaid issues since this pertains to Federal laws


        Irrevocable trusts offer tax advantages that revocable trusts don't, for example by enabling a person to give money and assets away even before he/she dies. Opposite of revocable trust.


        Probate is defined as the procedure by which an Executor proceeds to admit a Will to the jurisdiction of the Surrogate Court, which is proved to be valid or invalid. The term generally includes all matters relating to the administration of estates.  There are instances where Surrogate Court monitoring of the estate is desirable.  Much has been written about the disadvantages of probate.  Following are just a few of the problems associated with probate and why certain people set up Trusts in addition to Wills.


Lack Of Privacy with Wills

        Documents filed with the Surrogate Court are public information.  They are available for inspection to anyone who asks. In large estates, which may require an accounting, your probate file will contain a complete list of all assets devised by your Will including business assets.  This lack of privacy may lead to problems among family members who now know the plan of distribution and may then contest any provisions with which they disagree.  Disinherited relatives and creditors are notified and given time by the Court to contest the Will distribution.  


Time Consuming

        The probate of an estate may take several months to several years to complete.  During that time family members may have to apply to the Surrogate Court for an allowance.


Fragmentation - Real Estate

        If you own real property in more than one state, probate rules must be followed in each state in which real property is located. The cost and time may be increased.



        Medicaid is a Federal medical bills assistance program that pays medical bills for eligible, needy persons. It is administered by each state. All payments are made directly to the providers of medical and other health care services. The Medicaid-eligible person does not pay the health care provider for services. The only exception is a patient in a Medicaid-approved nursing facility who may be required to contribute part of his/her income toward the cost of care.


        It is important to note Medicaid typically has a lien on assets you own.


        Someone can avoid Medicaid and nursing home liens by setting up an Irrevocable Trust and waiting 60 months to apply for Medicaid. 


        What is a Revocable Living Trust 


       A Revocable Living Trust is a legal device that allows you to maintain complete control over your assets and avoids Probate.  However, a Revocable Trust does not reduce Estate Tax and does not protect your assets from nursing home fees.

        Because there is no probate of a Revocable Living Trust, your private financial matters remain private, there are no probate costs, no long delays and loss of control, and no fragmentation of the estate. However, since you still control the trust, it cannot shield assets from Nursing Home, Medicaid or Estate Taxes. To do that, you will need to hire an attorney to prepare an Irrevocable Trust. Fees are minimum $3,000- $5,000 for trusts.


        A Revocable Living Trust can easily be structured to automatically create separate Trusts upon the death of either your spouse.  Here's how it works.  If the wife dies first, the husband has total control of his Trust. Also, for the remainder of his life, he receives all income from her Trust and has the use of the assets whenever needed for living expenses.  When he dies, each Trust will claim its tax exemption, and some will go tax-free to their children, or any other beneficiary they designate, without having to go through probate.



You Maintain Complete Control Over Your Property In a Revocable Living Trust 

        The principle behind a Revocable Living Trust is simple.  When you establish a Living Trust, you transfer all your property into the Trust, and then name yourself as trustee, or you can name you and your spouse as co-trustees of the Trust.  The trustees maintain complete control over the property, the same control you had before your property was placed in trust  You can buy, sell, borrow, pledge, or collateralize the trust property.  You can even discontinue the Trust if you choose.  That is why it is called a "Revocable" Living Trust. We  will explain the "Irrevocable Trust" at the end of the  article.


Transferring Property Into the Trust

        The transfer of title to property into the Trust is a relatively simple matter when you hire an attorney. Anywhere you have assets, you will get help in transferring your property into the Trust.  Your attorney, securities investor, etc., will provide you with assistance needed to transfer your property into your Revocable Living Trust.  Your attorney will provide the information and assistance you need to properly fund your Trust.


Complete Privacy  

        Probate records are public, your Trust documents are private.  A Trust will safeguard the privacy of your family and your private financial matters.


Naming A Trustee

        Most people name themselves and their spouse as the initial Trustees of a Revocable Trust. This is usually true unless one spouse is incapacitated to the point that he or she is not able to manage your assets in the same way you do now. However, for an Irrevocable or Medicaid trust, the spouse cannot be the trustee.


Gifts To Religious And Charitable Organizations

        Many people wish to give a portion or sometimes all of their assets to a religious or charitable organization in order to carry on the work of those organizations that have given them comfort or peace of mind during their lifetimes.  This is easily accomplished with a Revocable Living Trust.


        Current Federal tax laws allow you to leave an unlimited amount to a spouse, tax-free. When your spouse dies, the estate is entitled to a $12,500 tax exemption.  




The Credit Shelter Trust (sometimes referred to as a “Bypass Trust” or an “A/B Trust”) is a popular estate planning technique used by married couples with combined assets to avoid the NJ Estate Tax. 


       The purpose of the Credit Shelter Trust was to avoid the wasting of federal and state exemptions on the death of the first spouse. Instead of leaving all assets to the surviving spouse and thereby exposing the surviving spouse’s estate to more tax, Nursing Home & Medicaid issues, plus elective share by a future spouse, both spouse’s Wills are drafted to establish a Credit Shelter Trust to come into existence and be funded on the first spouse’s death. 

           In a typical Credit Shelter Trust, the surviving spouse is entitled to receive all of the income from the Trust for his or her lifetime, and has the right to demand principal distributions for his or her health, education, support and maintenance in his or her accustomed manner of living. Distributions in excess of that standard require the cooperation of a Co-Trustee – often an adult child of the surviving spouse or a trust department of a bank.

         Since NJ is eliminating the NJ Estate Tax, a Testamentary Trust within the Will is still a useful device to help ensure children and grandchildren with receive money down the road. Otherwise, the surviving spouse can spend all the money in Atlantic City. The surviving spouse could also get remarried and do a new Will leaving all assets to the new spouse. Many families want to protect at least some of the money from wasteful spending or a new spouse.

      If the Intervivos Trust technique is implemented as part of a Client’s Estate Plan, you can hire the attorneys for a separate fee  to assist the Client in re-titling his or her assets so that assets are available to fund the Credit Shelter Trust. Re-titling is necessary because most Clients tend to hold assets jointly with right of survivorship and assets must be titled individually in a person’s name in order to be eligible to fund a Credit Shelter Trust. We work with a tax attorney to help our clients.


        Irrevocable Trust Accounts: Irrevocable trust accounts are deposits held by a trust established by statute or a written trust agreement in which the grantor (the creator of the trust - also referred to as a trustor or settlor) contributes deposits or other property and gives up all power to cancel or change the trust.

        An irrevocable trust also may come into existence upon the death of an owner of a revocable trust. The reason is that the owner no longer can revoke or change the terms of the trust. If a trust has multiple owners and one owner passes away, the trust agreement may call for the trust to split into an irrevocable trust and a revocable trust owned by the survivor. Because these two trusts are held under different ownership types, the insurance coverage may be very different, even if the beneficiaries have not changed.




Sunday, March 13, 2022

Wills and Power of Attorney available for members of LegalGuard-LegalEase Legal Access Legal Plan

 Wills and Power of Attorney available for members of LegalGuard-LegalEase Legal Access Legal Plan 


The Law Office of Kenneth Vercammen serves as a New Jersey Access Attorney for LegalGuard-LegalEase Legal Access Legal Plan and several other major national legal service plans. We prepare Wills, Powers of Attorney and Living Wills covered employees 

For covered employees, they will be entitled to a free Will for them and spouse, Power of Attorney for husband & wife, Living Will husband & wife, Testamentary Trust within a Will for minor children.  There is also representation for certain Traffic Offenses in NJ.


Companies that offer LegalGuard-LegalEase Legal Access Legal Plan for employees that live in NJ

 Google, Inc. (LegalGUARD)

PTC Therapeutics, Inc



Lendlease Americas Holdings, Inc

ExlService Holdings Inc


Arcesium LLC

Aramark Corporation

Safelite Group


Convatec Incorporated

Waste Management 

Assurant, Inc

PRA Health Sciences

Thomas Jefferson University and Hospital

FactSet Research

University of Penn Health Systems 

Valley Health System

Henkel of America

Samsung Electronics America, Inc

IFF International Flavors & Fragrances Inc

Convatec Incorporated


Q: Can a covered member request a specific attorney, or do they receive whichever attorney is assigned?

A: A member can always request a specific attorney. If no attorney is requested the member will be referred to a network attorney that accepts their referral.


For enrolled members, call LegalEASE  Member Services to get started (888) 416-4313


Legalease Will preparation and Estate Planning for employees online by Kenneth Vercammen’s Law Office without having to travel to law office and follow up consults over phone & online. 

   To assist members we now offer document preparation remotely and consults. We are concerned about your health and well-being.
1. Contact Legalease for case number, 

2 For Wills, Power of Attorney, Living Wills, please email Or call 732-572-0500 .We will email the interview form.. Legalease case number Claim Number [s] __

    For example, in estate planning, Legalease typically pays for 

-Wills for husband & wife   [need only one claim number for Wills]

-Power of Attorney for husband & wife  [need only one claim number for Power of Attorney]

-Living Will husband & wife [need only one claim number for Living Will]

   So obtain three claim numbers for estate planning.

  The attorney cannot obtain case number


3. On Will Questionnaire Type response/ Fill in details., Email completed Will Questionnaire back. For Wills Please type up & fill out completely and email to  Typing name and details is required. Save as word doc or text, not pdf. This form is extremely important. Your accuracy and completeness in responding will help us best help you. All sections and information must be filled out prior to discussing with the attorney. Cannot be handwritten since we cannot cut and paste into the forms.

4. Ken V will call to discuss after typed interview form received.

5.  We will draft documents and email to you.  Ken V will call to answer further questions

6. Sign documents in front of notary and two witnesses at your convenience typically on weekends or after 5pm [ spouse ok as witness]. Signing instructions provided. UPS stores continue to be open and have notaries. 

      We strongly recommend all adults have a Power of Attorney prepared in the event they are temporarily incapacitated or hospitalized. We do require interview forms be completed in full and emailed back so we can provide accurate advice. The doctor’s office similarly has patients fill out details prior to the consult. We also recommend signing a Living Will with COMBINED ADVANCE DIRECTIVE FOR HEALTH CARE. 

       The Living Will contains a Power of Attorney for Health Care & Medical Decisions. In signing your Living Will, you will designate an individual you trust to act as your legally recognized health care representative to make health care decisions for you in the event you are unable to make decisions for yourself.

        We sometime sign in the parking lot if you bring a witness age over 20 and documents signed within 21 days of preparation.


       About LegalEASE, a Legal Access Company


About LegalEASE, a Legal Access Company, is an employee benefits company that provides an easy-to-use legal service platform for your employees. Since 1971, LegalEASE continues to offer robust Legal Insurance Plans to employers who see the benefit in providing this valuable service to their employees. LegalEASE plans cover employees’ legal needs, offer experienced attorneys close-by to choose from, and help them connect quickly to the right provider. Featuring a large and developed Plan Attorney Network (20,560+ and strictest credentialling standards in industry), and our unique Matching and Compatibility infrastructure, LegalEASE provides high-touch professional services that have and will continue to save your company and employees money, time, and unnecessary stress.

At LegalEASE, we want employees to get the most out of their benefit plan, that’s why we created our Compatibility/Matching System that enables employees to find the best attorney for their legal need that is closest to them. Matching can happen online or via our LegalEASE Advocates, who will walk the employee through the legal process, saving them time and reducing stress.

It is important for us to provide a white-glove service to our Members during their most stressful times. We take into consideration the employee’s feelings about their legal issue, and take the extra step in the attorney search process by providing an Advocate to the Member, who will remain with them throughout their case.


LegalGuard-LegalEase Legal Access Legal Plan Strengths

Attorney Network:

For 50 years, we have established one of the oldest and most comprehensive networks of attorneys in the legal industry. With over 20,500 participating plan attorneys, LegalEASE is able to offer a high-quality attorney network, vetted upon admission via our rigorous credentialing process and before every Member is matched.


Search for An Attorney:

Not only do we have a comprehensive attorney network, but we provide several easy ways for employees to discover their perfect fit. First, we provide the flexibility to use your own attorney. That’s right, we have flexible benefit levels that can permit employees to use their own attorney. Second, the employee can search through our online attorney network. Employees are most familiar with this method of finding a provider because they can conveniently locate and contact a plan attorney by searching for their specific area of law (over 60 areas) and the location of the legal matter. Or third, through our concierge service, where members begin by simply calling in and speaking with a live LegalEASE advocate. This is an excellent method for members that do not know where to start, have an escalated or complex legal issue, or have no time to contact attorneys themselves.


Easy to Use:

LegalEASE insurance plans are simple to use and administer because it offers:

  • A streamline process that has HR-friendly service
  • Unique technology that interfaces with small and/or large companies
  • Easy set-up and implementation process
  • An easy-to-understand plan design
  • No administrative or set-up fees charged to HR
  • Compatible enrollment and billing systems


LEARN HOW TO ENROLL IN THE LEGALEASE PLAN  QUESTIONS? Be fully prepared and confident   with LegalEASE  Learn about legal insurance, a smart option for your protection.  Product Administered  


LegalEASE can help ease the two biggest stresses -finding and paying for an attorney.

Nobody likes to be caught off guard, especially when it comes to legal matters. Life can be complicated. Finding a good attorney doesn’t have to be. With LegalEASE, it’s easy to choose the best attorney, because you get assistance from highly trained and qualified personal specialists who review the details of local attorneys and help you find your best source for legal advice. Being a LegalEASE member saves you time and costly legal fees. But most importantly, it gives you confidence and provides coverage for common legal matters.

With a LegalEASE plan, you get:

  • An attorney with expertise specific to your legal matter
  • Access to a national network of attorneys with exceptional experience that are matched to meet your needs
  • Coverage for in and out-of-network
  • Concierge help finding a better attorney and navigating common individual or family legal issues
  • Hours of financial counseling and coaching

We all make some sort of plan in life. But have you ever considered the possibility of a legal problem?

You've graduated from college and are planning for your future - where to get hired, which company will put you on the path to success. Whether to be single or date or settle down, and with the right person. Legal problems can be unexpected and interrupt your plans. LegalEASE provides coverage for your specific legal matter so you won't be caught off guard.

Protect your family’s future, with LegalEASE.

You work hard to make the right choices for your loved ones, especially when it comes to legal and financial matters. Get the peace of mind you want and the protection you need with a LegalEASE Plan. LegalEASE offers valuable benefits to shield your family and savings from unexpected legal issues.                              

According to the American Bar Association, more than 70 percent of U.S. households will have the need for a lawyer in the next 12 months. And the same study found most consumers feel uncertain about how to tell a good lawyer from a bad one. With LegalEASE you have access to a national network of credentialed attorneys and the help you need to find the best attorney for your legal matter with its concierge service.

To learn more about LegalEASE and the legal benefits you will get,  Call us at: 1(800) 248-9000


For enrolled members, call LegalEASE  Member Services to get started (888) 416-4313


More info for Genmab, Inc.  employees at