Another equally, maybe even more important issue is if you are single always designate someone with 'MEDICAL POWER OF ATTORNEY' in case you are psychically or mentally debilitated and can't make descisions for yourself. My ex has no family and he has given this power to me so if he were to have a stroke or whatever, no one couldn't just plug him in and continue his life to get as much money for his care as possible. Medicare and some insurances pay as long as the person is breathing. My son has mine and I've found that this is something many of us never think of until its too late. The paperwork can be done by you or a paralegal for one tenth the price a lawyer would charge. and its legal and binding...
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http://charleen-micheles.blogspot.com/