Understanding Your Unison Free Will: A Comprehensive Guide for Members

Hello there! If you're a UNISON member, getting your head around your 'unison free will' is a pretty smart move. It's all about making sure your wishes are clear for the future, and UNISON actually helps out a lot with this. This guide will walk you through what it all means, how to sort it out, and why it's a good idea to get it done. No need to worry, it's not as tricky as it sounds.

Key Takeaways

• A unison free will lets you decide what happens to your stuff after you're gone. It's a benefit for UNISON members.

• Making your will involves a few steps, like gathering details and getting help from experts UNISON provides.

• Think about who you want to handle things (executors), who gets what (beneficiaries), and if you have kids, who looks after them.

• Life changes, so it's a good idea to look at your unison free will every now and then and make updates if needed.

• UNISON offers support and advice to help you through the whole unison free will process, so you're not on your own.

Understanding Your Unison Free Will Entitlement

What is a Unison Free Will?

Okay, so what is a Unison Free Will? Basically, it's a service offered to Unison members that allows you to create a legally binding will without having to pay solicitor's fees. It's designed to make estate planning accessible to everyone, regardless of their financial situation. It's about making sure your wishes are respected after you're gone, and that your loved ones are taken care of. It's a pretty important benefit, really.

Eligibility for Unison Free Will Services

Not every Unison member is automatically eligible, so it's worth checking the criteria. Generally, eligibility depends on your length of membership and your current subscription status. It's always best to check the Unison website or contact them directly to confirm your specific situation. Here's a rough guide, but always double-check:

• Full members: Usually eligible after a qualifying period.

• Retired members: Often retain access to the service.

• Student members: Eligibility may vary.

It's important to remember that eligibility can change, so it's a good idea to stay informed about the latest terms and conditions.

Benefits of Utilising Your Unison Free Will

There are quite a few good reasons to use the Unison Free Will service. Here are a few:

• Cost Savings: Wills can be expensive, so this saves you money.

• Expert Guidance: You get help from professionals, so it's not just a DIY job.

• Peace of Mind: Knowing your affairs are in order is a big weight off your shoulders.

It's about making sure your estate planning is sorted without the financial stress. Plus, you're getting proper advice, which is always a bonus.

The Process of Creating Your Unison Free Will

So, you're thinking about making a Unison Free Will? Good on you! It's not as scary as it sounds, and it's definitely worth doing. Here's a breakdown of what to expect:

Initiating Your Unison Free Will Application

First things first, you need to get the ball rolling. This usually involves contacting Unison, either online or by phone. They'll likely have an application form for you to fill out. Make sure you have your Unison membership number handy! It's a pretty straightforward process, but don't hesitate to ask if you get stuck. I remember when my mate, Dave, did his, he was worried about filling it in wrong, but Unison were really helpful and talked him through it.

Gathering Necessary Information for Your Will

Okay, so you've started the application. Now comes the slightly more involved bit: gathering all the information you need. This includes:

• A list of all your assets (property, savings, investments, etc.).

• Details of any debts you have (mortgages, loans, credit cards).

• The full names and addresses of your beneficiaries (the people you want to leave things to).

• Details of who you want to be your executors (the people who will administer your will).

It might seem like a lot, but it's better to be thorough. I found it helpful to make a spreadsheet to keep track of everything. It's also a good idea to have copies of important documents like property deeds and bank statements.

Drafting Your Unison Free Will with Expert Guidance

This is where the 'free' part of Unison Free Will really shines. You'll get access to expert legal advice to help you draught your will. This is usually done through a solicitor who is partnered with Unison. They'll take all the information you've gathered and turn it into a legally binding document. Don't be afraid to ask questions! It's your will, and you need to be happy with it. The solicitor will explain everything in plain English (hopefully!) and make sure you understand all the implications. This is a great opportunity to discuss any specific wishes or concerns you might have. For example, you might want to consider a two-stage model for your will.

Finalising and Storing Your Unison Free Will

Once you're happy with the draught, it's time to finalise it. This involves signing the will in the presence of two independent witnesses. The witnesses can't be beneficiaries or their spouses. Once it's signed and witnessed, your will is legally valid. Now, the important bit: storing it safely! You can store it with the solicitor, at home in a fireproof safe, or with a professional will storage company. Just make sure someone knows where it is! I keep a copy of mine in a safety deposit box, and my sister knows where the key is.

Making a will is one of those things that people often put off, but it really does give you peace of mind knowing that your affairs are in order. And with Unison's free will service, there's really no excuse not to do it. It's a weight off your shoulders, trust me.

Key Considerations for Your Unison Free Will

When you're putting together your Unison Free Will, there are a few things you really need to think about. It's not just about saying who gets what; it's about making sure your wishes are carried out properly and that your loved ones are looked after. It can seem a bit daunting, but taking the time to consider these points will make the whole process much smoother.

Appointing Executors and Trustees

Choosing your executors and trustees is a big deal. These are the people who will be responsible for managing your estate and making sure your will is followed. Pick someone you trust implicitly, who is organised, and who understands your wishes. It's also worth chatting to them beforehand to make sure they're happy to take on the role. You can appoint more than one, which can be a good idea in case one of them is unable to act. Think about their age and health too – you want someone who is likely to be around and capable when the time comes. It's also worth considering professional executors, like a solicitor, especially if your estate is complex.

Designating Beneficiaries and Legacies

This is where you decide who gets what. It sounds simple, but it's important to be clear and specific. Make sure you have the full names and addresses of your beneficiaries to avoid any confusion later on. You can leave specific items (legacies) to certain people, or you can divide your estate into shares. Think about what you want to happen if a beneficiary dies before you – do you want their share to go to their children, or back into the general estate? It's also worth considering potential challenges to your will. If you're leaving someone out who might expect to inherit, it's a good idea to explain why in a separate letter of wishes. This isn't legally binding, but it can help to avoid disputes.

Guardianship for Minor Dependants

If you have children under 18, this is probably the most important thing to consider. You need to appoint a guardian who will look after them if you and their other parent are no longer around. This is a huge responsibility, so think carefully about who would be best suited to the role. Consider their values, their lifestyle, and their relationship with your children. Again, it's essential to talk to them beforehand to make sure they're willing and able to take on this responsibility. You can also appoint more than one guardian, perhaps with different roles – one to look after the children day-to-day, and another to manage their finances. It's a tough decision, but it's vital for the well-being of your children.

Specific Wishes and Charitable Donations

This is your chance to include any specific wishes you have, such as funeral arrangements or charitable donations. If you want to leave a gift to a charity, make sure you have their correct name and registered charity number. You can also include instructions about your funeral, such as whether you want to be buried or cremated, and any specific hymns or readings you'd like. These wishes aren't legally binding, but they will be taken into account by your executors. If you have strong feelings about something, it's worth including it in your will or in a separate letter of wishes. Remember, Unison wills are there to help you secure your wishes.

It's easy to put off making a will, but it's one of the most important things you can do to protect your loved ones. Taking the time to consider these key points will give you peace of mind knowing that your affairs are in order and that your wishes will be respected.

Amending and Reviewing Your Unison Free Will

It's easy to think your Unison Free Will is a 'set it and forget it' kind of thing, but life changes, and your will needs to keep up. Things like marriage, divorce, new kids, or even just changes in your assets can all mean it's time to dust off your will and give it a good look. Regular reviews are vital to ensure your will still reflects your wishes.

When to Review Your Unison Free Will

Life throws curveballs, doesn't it? Here's a few times you should definitely think about checking your Unison Free Will:

• Marriage or divorce: These big changes affect who your beneficiaries are.

• Birth or adoption of children/grandchildren: You'll want to make sure they're included, if that's your wish.

• Death of a beneficiary or executor: You'll need to update your will to reflect this.

• Significant changes in assets: Buying a house, selling a business, or coming into a large inheritance all warrant a review. Understanding inheritance tax implications is also important.

• Changes in your wishes: Sometimes, you just change your mind about who gets what. That's okay, but make sure your will reflects it.

Making Changes with a Codicil

A codicil is basically an add-on or amendment to your existing Unison Free Will. It's a way to make small changes without having to rewrite the whole thing. Think of it like this:

• Pros: Easier and cheaper than a new will, good for minor tweaks.

• Cons: Can get confusing if you have too many, not suitable for major overhauls.

To make a codicil valid, you need to follow the same rules as when you made your original will – that means signing it in front of witnesses. It's a good idea to get legal advice to make sure your codicil is done right and doesn't accidentally invalidate your whole will.

Creating a New Unison Free Will

Sometimes, a codicil just won't cut it. If you've got a lot of changes to make, or if your will is already complicated, it's often best to start fresh with a new Unison Free Will. This makes things clearer and reduces the risk of confusion or legal challenges down the line.

It's generally recommended to create a new will if your life circumstances have changed significantly since your last will was drafted. This ensures that your wishes are accurately reflected and that your estate is distributed according to your current intentions. Don't hesitate to seek professional guidance to navigate this process.

Unison Free Will and Estate Planning

Understanding Inheritance Tax Implications

Okay, so inheritance tax (IHT) can seem like a real headache, but it's something you need to think about when you're sorting out your Unison Free Will. Basically, IHT is a tax on the value of someone's estate when they die. There's a threshold (called the nil-rate band) below which you don't pay any IHT. Anything above that, and the taxman takes a cut. The rules can be complicated, and they change from time to time, so it's worth getting some proper advice. Your Unison Free Will agreements offer a way to plan for this, potentially minimising the amount of IHT your loved ones have to pay. It's not about dodging tax, it's about making sure your estate is managed in the most efficient way possible.

The Role of Trusts in Your Unison Free Will

Trusts can be really useful tools in estate planning, and they can be incorporated into your Unison Free Will. A trust is basically a way of holding assets for someone else. There are different types of trusts, each with its own rules and tax implications. For example, you might set up a trust for your children, so they don't get access to all the money at once when they turn 18. Or you might use a trust to protect assets for someone who can't manage their own affairs. Trusts can also be useful for mitigating inheritance tax. It's a good idea to talk to a legal professional to see if setting up a trust is right for you and your family. They can help you decide what kind of trust is best and make sure it's set up properly. Here are some reasons to consider a trust:

• Protecting assets for vulnerable beneficiaries.

• Managing assets for minors.

• Potentially reducing inheritance tax.

Planning for Long-Term Care and Incapacity

Planning for the future isn't just about what happens after you're gone; it's also about what happens if you become ill or incapacitated. Your Unison Free Will can play a part in this. You can use a Lasting Power of Attorney (LPA) to appoint someone to make decisions on your behalf if you lose the capacity to do so yourself. There are two types of LPA: one for property and financial affairs, and one for health and welfare. It's also worth thinking about care home fees. These can be very expensive, and they can eat into your estate. There are ways to plan for this, such as taking out insurance or setting up a trust. Again, it's a good idea to get some professional advice to make sure you're making the right decisions for you and your family. It's not the most cheerful topic, but it's important to be prepared. You can also look into Unison wills for more information.

It's important to remember that estate planning is not a one-size-fits-all thing. What works for one person might not work for another. It's all about understanding your own circumstances and making the right decisions for you and your family. Don't be afraid to ask for help – there are plenty of professionals who can guide you through the process.

Support and Resources for Your Unison Free Will

Look, making a will isn't exactly a fun day out, is it? But it's one of those things you just need to get sorted. Thankfully, if you're a Unison member, you've got some decent support available to help you through the whole process. It's all about making sure your wishes are respected, and Unison provides a range of services to help you do just that.

Accessing Unison Legal Advice

Unison offers its members access to legal advice, which can be a real lifesaver when you're dealing with something as important as your will. It's not always easy to understand all the legal jargon, and having someone on hand to explain things clearly can make a huge difference.

• Get clarification on complex legal terms.

• Understand your rights and responsibilities.

• Receive guidance on potential legal issues related to your will.

Contacting Unison for Free Will Assistance

Need a hand getting started? Unison has dedicated teams ready to assist you with your free will application and any questions you might have. Don't be afraid to reach out – that's what they're there for! They can guide you through the process, explain the eligibility criteria, and help you gather the necessary information. It's all about making the process as smooth as possible.

Additional Resources for Members

Unison doesn't just offer legal advice; they also provide a bunch of other resources to help you with your will. These resources are designed to give you a better understanding of the whole process and help you make informed decisions.

• Online Guides: Unison provides online guides covering various aspects of will writing, from understanding inheritance tax to appointing executors.

• Workshops and Seminars: Keep an eye out for workshops and seminars organised by Unison. These events can provide valuable insights and practical advice.

• FAQ Sections: The Unison website has a comprehensive FAQ section addressing common questions about wills and estate planning.

It's worth remembering that while Unison provides support and resources, it's always a good idea to seek independent legal advice if you have complex circumstances or specific concerns. This ensures that your will accurately reflects your wishes and complies with all relevant legal requirements.

Ensuring the Validity of Your Unison Free Will

It's all well and good having a Unison Free Will, but it's got to be valid, right? Otherwise, it's just a piece of paper. This section looks at what you need to do to make sure your will is legally sound and actually does what you want it to do.

Witnessing Requirements for Your Unison Free Will

Okay, so witnessing your will is super important. It's not enough just to sign it yourself. You need witnesses, and they need to do things properly. The basic rule is that you need two independent adult witnesses present when you sign your will. They also need to sign it in your presence. By 'presence', it means they need to see you sign it. It can't be done remotely or anything like that. They also can't be beneficiaries of the will, or the spouse/civil partner of a beneficiary, or their inheritance could be void. It's a bit of a minefield, so it's worth getting it right. This is a key part of the Unison will writing service.

Common Pitfalls to Avoid

There are a few common mistakes people make when creating a will that can invalidate it. Here are some things to watch out for:

• Undue Influence: Making sure you're not being pressured or forced into making decisions you don't agree with. The will needs to reflect your wishes, and yours alone.

• Lack of Capacity: You need to have the mental capacity to understand what you're doing when you make the will. If there's any doubt about this, it's worth getting a doctor's assessment.

• Improper Execution: This goes back to the witnessing thing. If the will isn't signed and witnessed correctly, it's not valid.

• Ambiguity: Vague or unclear wording can cause problems. Be specific about who gets what.

It's easy to get tripped up by the legal stuff. Wills can be challenged if they're not done right, which can cause a lot of stress and expense for your loved ones. So, taking the time to do it properly is a good investment.

The Importance of Professional Guidance

Look, writing a will can be tricky. There are lots of things to think about, and it's easy to make mistakes. That's why getting professional guidance is a good idea. A solicitor who specialises in Unison wills can help you make sure your will is legally sound and reflects your wishes. They can also advise you on things like inheritance tax and trusts. It might cost a bit more upfront, but it could save your family a lot of hassle in the long run. Plus, you'll have peace of mind knowing that everything is sorted. It's worth considering, especially if you have a complex situation or a lot of assets. Don't be afraid to ask for help – it's what the professionals are there for!

Making sure your will is solid and does what you want is super important. It means your wishes are truly followed. Don't leave it to chance; get expert help to make sure everything is just right. Visit our website today to get a free quote and ensure your peace of mind.

Wrapping Things Up

So, there you have it. Getting your Unison will sorted really does make a difference. It's not just about what happens after you're gone, it's about making sure your loved ones are looked after and your wishes are clear. Unison is there to help you every step of the way, with information and support. Don't put it off, honestly. Taking a bit of time now can save a lot of bother later on for everyone. It's a simple step that gives you real peace of mind.

Frequently Asked Questions

What exactly is a Unison Free Will?

A Unison Free Will is a special service offered to Unison members, allowing them to create a legally sound will without paying extra. It helps you decide what happens to your money, property, and possessions after you're gone, making sure your wishes are followed.

Am I able to get a Unison Free Will?

Most Unison members can use this service. It's usually available to those who have been members for a certain period, but it's always best to check with Unison directly to confirm if you qualify.

Why should I bother with a Unison Free Will?

Making a will through Unison means you get expert help to write it properly. This avoids mistakes that could cause problems for your family later. It also gives you peace of mind knowing your loved ones are looked after.

How do I start making my Unison Free Will?

The first step is to contact Unison's legal team or the specific department that handles wills. They will guide you through the process, which usually involves filling out some forms and having a chat about your wishes.

Can I change my Unison Free Will once it's made?

Yes, you can change your will if your life situation changes, like getting married, having children, or if someone you named in your will passes away. You can do this by making a small addition called a 'codicil' or by writing a whole new will.

Where can I get more help with my Unison Free Will?

Unison offers lots of help and advice. You can get in touch with their legal team, visit their website for guides, or speak to your local Unison representative. They are there to support you every step of the way.