Will ‘a must’ for all Expatriates!

Writing a will to ensure that your affairs are in order should you pass away is of utmost importance to expatriates living in Qatar, says a local expert who stressed that certain procedures can make posthumous arrangements particularly difficult if steps have not been taken.
Mohamed Marria, senior estate planner at Just Wills, recently spoke to Gulf Times on the challenges associated with the death of a loved one, and urged expatriates to take steps to ensure that should the worst occur, their spouse is able to deal with the situation as easily as possible.
“What I am doing is trying to educate people on the importance of making a will,” he said, adding “the way I see it is that having a will is the final piece of the jigsaw puzzle.
“In the GCC, local state Shariah Law means all bank accounts are frozen as soon as they are informed of the individual’s death – there is no concept of either or survivor accounts no matter what a bank tells you,” he explained.
“At this point, the person realises he/she cannot put food on the table or afford to repatriate their spouse’s body,” said Marria adding “then their visa has to be cancelled if they are on the deceased person’s sponsorship.”

http://www.gulf-times.com/site/topics/article.asp?cu_no=2&item_no=505913...

Comments

BlueBull

Here's my will:

My two jeans go to my brother

Third jeans goes to my best friends

All the other jeans go towards charity to be decided by my brother

My car and bike go to my brother

All my gold jwellery including my earring go to my mom

My car in india goes to my dad

My bank deposits ( amounting to 101 QR so far ) goes to my local senator's election fund

All my insuraance money goes to my mom

That's All.

Prism

I thought will is a confidential document to be taken very seriously and handled with care. Guess, I am so not into the latest where we can leave a will on an online forum with our identity concealed but the authorities would be able to break the riddle, establish my identity and do the needful....:)

tinkerbell10

BB - u r so mean!....that third Jean was supp to be for me! You promised when I bought you coffee last week!...DAMN.....:P

On a more serious note - it is very essential for anyone to write a will if they do have that much property to dispose off. We think that everything will be smooth after death but sadly as I have seen in many cases, the dependants end up bickering over (as Moza wud say) a piece of dirt of some green Bills.....ive seen families ripped apart for this. To me its senseless as personally wud not even bother. But there are many to whom it does matter so a WILL kinda makes it eeasier. Its NOT a guarantee that there wont be no bickerings.....but atleast one can be sure of division of whats left as per their wish.

FathimaH

Writing a will is something we are advised to do even in Islam and I for one see nothing but good in it. Some reasons being the ones mentioned by Tinker. Specially if you got loved ones who are dependents, you'd not want them to face any injustice and oppression so it's always wise to make your bequeaths whilst you can.

Translator

Anyone who have done it recently cares to share the procedure with us? the template document, official attestation, cost etc

bilber

how about putting bank account deposit name of my wife and children? is it still a problem for them to take the deposit out in case? if it is then, then it is a lot better to put our savings out of Qatar so they won't face a problem in withdrawing the savings if the problem arises.

paradisevirus

Very important topic. Thanks BlueBull (author).

If any of you guys or author knows the procedure, please please share or give the starting point.

tinkerbell10

Well as far as i know those who need to have a will made need to consult with a lawyer who will guide you thru the process. For the Indians here, best to consult your lawyers back home too.

Translator

I recall contacting QNB, few months ago, they said no worry, as long as your wife brings a death certificate, she will gain full access to the funds. That was on the phone, how accurate is everybody's guess.

Arien

Assets will have a nominee always.. be it a property or bank deposits. It automatically passes to the nominee if you call it a day, Unless you want to distribute it like BB wrote :P

tinkerbell10

Well from what I have seen with my past employer and my current one the HR gives us a form to fill where by you can state how u want your funds divided. I am assuming that in the event of an untimely passing that paper will make it easier for them to hand over the settlement. Also fact that its also ruled by some diktats in the persons religion.

tinkerbell10

Spot On Arien!

I was to say that in my next post. To ALL Indians here irrespective of yuor religion please bear this in mind.

All Bank accounts / assets etc please NOMINATE your family member. Could be your wife / kids anyone. It should work both ways. For example you nominate your wife in your account and your wife nominates you in her account in case you have separate accounts. In case of a joint account ALSO please nominate the spouse or family member. Makes it a LOT easier!

Plus do make a Legal Heir certificate. Without that you will have to run in circles. Its tedious and frustrating!

Chairboy

Fatima - I was always under the impresion that in Islam there is a well defined method of allocating the estate of a person recently deceased??

Would the existence of a will compromise the protocol if the will is at odds with the agreed norms??

BlueBull

Tinku - Can you please share the format of that form with us please. I can implement it in my organization too :)

tinkerbell10

BB - im sorry i dont have any formats with me. These can be got from your Tahsildar if i am not mistaken. It differes from State to State but the Certificate is the same. I will try to find out the procedure and post here.

dohaguy32

there should be a online database where some one can post his/her "will"(only will) with password of his full hand finger prints. and after death his hand should match if he had some "will" or not in that online database site or program . coz finger prints will remain in hands even after death.

flor1212

the guy died unexpectedly and the spouse with her young daughter were thrown into a limbo since they were under the husband sponsorship.

Luckily with so much help/support from us, the spouse got company benefit after 14 months and the bank money is still under process (16 months already passed).

FathimaH

It's generally understood that the person who writes a will should be aware of the Islamic laws of bequeathing. The writing down is mainly of assets to people/charities etc those who survive you will be unaware of or careless about.
For example you have left your estates and cash etc accordingly but you wish to leave your watch for your best friend. This should be written down.Or perhaps your debtors who no one is aware of. These should be written down because if not once you are no more your property will be then be divided according to the shariah law, and anyone outside of it may not benefit from it.
And yes, a will can compromise the protocol in certain cases, depending on how valuable be the property,your inheritors,etc. However note that any unfairness on the part of the bequeather can then be a sin upon him/her.

Prism

I just transfer money regularly back to India and all my accounts there either are joint accounts or with a nominee and I as a rule never create any loans against me. As for the employer, the nominee details are already with them and I am given to understand that anything due to me would be transfererd to the bank account provided after getting clearance from the banks etc....so seems no hassels of creating this will.

BlueBull

Thanks tinku...You are a real star :)

Prism - I thought the loan automatically dissappears if the borrower dies coz it's covered by an insurance for the bank !

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