September EFAP News: Lessening the Burden of Legal Matters

sept glasse4 h


The Importance of  Having a Will

September 20th 12-1pm and 3-4pm    EST

11-12pm and 2-3pm  CST

10-11am and 1-3pm  MST

9-10am and 12-1pm  PST

There is much confusion about what you need to do preserve your wealth and end-of-life intentions. This webinar will focus on understanding basic will terminology, understanding why a will is important, the cost of wills and estate planning, and the pros and cons of various will options.

REGISTER TODAY! Space is limited

Click on the time you would like to attend above.

Or log on to with your username and password.  Click on “UPCOMING WEBINARS” on the homepage and follow the easy instructions.

Unable to make it to the scheduled webinars? 

We have them archived for your convenience. Visit click on E4 University, then click on Webinars to search by webinar title.



Understanding Why You Need a Will


If you pass away and you don’t have a will, you become “intestate” or often the phrase is one of the following:  “he died intestate” or “intestate estate.” Intestate simply means you had the opportunity to create a will and didn’t, so based on the laws of your state, and the decision made by a judge appointed administrator, your estate will be divided as the administrator sees fit. Normally, in cases where one spouse passes, assets are divided between the living children and the surviving spouse.

For many reasons not having a will isn’t a good decision, such as:  1.) if you have property in multiple states, state laws may further complicate your estate and resolving any decisions involved with it which may tie up assets for months or years before they are awarded. 2.) A judge appointed administrator has no affiliation to you or your family, and their decisions are strictly legal and may not be the decisions you wanted or your family wanted (for ex. an estranged blood relative could be awarded your entire estate rather than the family member or friend you wanted your estate to go to), and 3.) without properly documented guardianship, if children are involved and both parents die, the children may not be going to the family member or friend you wanted them to live with.


You can create a will many different ways. Please consider the following:

  • You can use one of many free online tools to create a will and most other legal documents.
  • You can hire an attorney to create your will.
  • You can use the online tools, create a will, and then schedule an appointment with an attorney to review what you have created. Often because you have done much of the work for them, your fee will be discounted.
  • Or use the free and discounted resources, such as Legal/Financial aids, available on the website. Self-help forms are available, along with legal assisted forms (at a discounted rate), and direct access to attorneys for an initial free consultation and discounted rates if further services are needed.

Please note there are other legal documents you may need to consider creating depending on failing health or the death of a loved one:

  • Financial and healthcare power of attorney
  • Eldercare agreement
  • Living trusts
  • Living wills
  • Request forms regarding a loved one who has passed (ex. request for death certificate, notice to creditors of death, notice to homeowner’s insurance company of death, etc.)
  • Deeds

Please attend this month’s webinar, “The Importance of Having a Will” for more specific details.


E4 Health is a free, confidential service that’s available to you as well as your immediate household family members. We are available any time, any day to assist with any work or life issue that matters to you and your family.

For professional counseling and supportive resources, call or log on any time, any day.

Just call or log on to get started.

e4health administers the College’s EFAP program.  To access their comprehensive web site, with many tools and articles, go to the e4health web site.
Username:  middlebury college
Password:    guest
Or call them at: 800-828-6025
(phones are answered 24 hours a day, 7 days a week)