Shopping loyalty cards have grown in popularity over the last decade and most of us have more than one in our wallets or purses. According to research undertaken by Topcashback.co.uk the average person has five loyalty cards worth £122.
The question is just what happens to these loyal points when we die?
Tesco Clubcard is one of the leading loyalty schemes in the UK and shoppers earn one point for every £1 spent in store or online. Additionally, they award one point for every £2 spent on fuel. Usually, each point is worth a penny when used for shopping in Tesco. However, you can triple or quadruple their value with Clubcard Boost. This scheme allows you to turn a £10 voucher into £40 with its exclusive Boost partners.
Tesco Clubcard Ts&Cs state that “Members may inherit the points and/or vouchers of a family member who has died by providing a written request informing us of the membership details of the deceased”. A relative of the deceased needs to get in touch with Tesco’s Customer Service Centre to close the account and ask for the points to be transferred to a different Clubcard.
The Nectar loyalty card allows cardholders to collect points with over 300 partners and redeem points with various brands. It allows shoppers to collect one point for every £1 qualifying spend in store and online, including one point for every litre of fuel purchased at Sainsbury’s fuel stations. Sainsbury’s often run various promotions enabling you to collect more points.
Nectar’s TS&Cs state that “points can only be transferred from a Nectar Account to another Nectar Account on death.”
Morrisons Match & More Card
Members of the Morrisons Match & More loyalty scheme can collect five points for every £1 spent in store, online, and you get ten points per £1 spent at Morrisons petrol stations.
Morrisons Ts&Cs state that ‘Your card, More Points, More Vouchers, coupons and card account are personal to you, are not transferable and cannot be shared, sold, exchanged, bought, or traded in any way’.
Boots Advantage Card
This loyalty scheme is generous in that it allows shoppers to collect 4 points for every £1 qualifying spend in store and online, and each point is worth a penny that can be used as payment both in store or online
Boots allows members to pass their points to a nominated person, and this can be done via a phone call or an email to Boots Customer Care.
Is it worth claiming these points?
According to TopCashback.co.uk, there is over £5 billion currently tied up in various loyalty schemes. It falls to the heirs and executors to decide if it is worth the hassle in trying to claim the value held in these loyalty schemes, although it is worth pointing out that in some circumstances there could be substantial value stored in them especially as some people have never cashed in their rewards at all.
Very, very few people mention loyalty cards in their Wills. Perhaps you could buck the trend and declare your cards when you make a new Will.
Many people assume that getting divorced cancels out any Will they made during their marriage. However, this isn’t the case, and failing to update your Will following divorce could have serious consequences for your estate.
Here we will answer explain what divorce means for your Will, and how to make sure that you put everything in order.
Updating your Will should be a priority if you have recently divorced or dissolved your civil partnership.
Divorce Leads To Issues With Wills
Does Divorce Mean My Will Is Automatically Revoked?
Divorce does not revoke a Will, nor does it mean your Will from before you were married comes back into effect. Your current Will remains valid, but for inheritance purposes, your ex-spouse is treated as if they had died on the date of the decree Absolute.
This can have a serious effect on your estate. If your Will doesn’t specify reserve beneficiaries, the dreaded rules of intestacy, which dictates who can inherit from your estate, could apply. These rules come into effect when someone dies without a valid Will, or sometimes when the original primary beneficiary of a Will dies and the Will doesn’t include details about what should happen next.
Will My Original Will From Before I Was Married Come Back Into Effect?
No it will not. Marriage revokes any previous Will you had, but divorce does not have the same effect.
If you divorce, your Will from the marriage remains valid, but your ex-spouse is now treated as if they were dead.
What Happens If I Don’t Make A New Will?
If you don’t make a new Will, you can’t be sure your loved ones will be provided for. Even if your divorce is amicable and you and your ex-spouse verbally agree about how your property will be shared, there’s no legal guarantee this will happen unless you write it in a Will.
If you don’t create a new Will to reflect the fact you are divorced, your estate might be divided up differently to how you intend, and could jeopardise any inheritance you had planned for others.
Other problems could arise if you’d named your ex-partner as an executor in your Will as this appointment will be revoked.
Can My Ex Have Any Claim On My Estate?
This depends on the terms of your divorce and your financial settlement.
If you’re financially maintaining your ex-spouse after you’ve divorced (i.e. if you pay them maintenance), and you don’t include them in your Will, they could make a claim under the Inheritance Act after you have died, causing further distress on those who you want your estate to go to.
If you don’t want your former spouse to inherit from your estate after your death, unfortunately there’s no certain way to prevent it. The best thing to do is to make sure your executors are prepared in case there is a challenge, and to give them some flexibility to negotiate with your ex-spouse if necessary to protect the interests of your other beneficiaries.
Can A Clean Break Order Help?
A financial settlement order – also known as a clean break order – is an agreement that means neither party has financial ties to the other once the divorce has gone through. You won’t owe spousal maintenance or any other kind of financial provision.
Clean break orders are very useful to help protect your estate against future claims under the Inheritance Act, but they don’t suit every situation – especially if there are young children involved who still need to be provided for.
Clean break orders are no substitute for a new Will. In order to make sure your estate is still going to be divided up the way you want after your death, it’s essential to have a new up to date Will.
How Can I Ensure My Children Still Get An Inheritance If I’m In A New Relationship?
If you’re in a new relationship and you want to ensure your children from a previous earlier marriage still get their inheritance, it’s important to make sure your Will is revised to reflect your wishes.
I’m Still Married But Separated – Can I Exclude My Spouse From My Will?
Yes – you’re allowed to leave your estate to whoever you choose. However, even if you’re separated, your spouse could make a claim on your estate under the Inheritance Act. We always recommend you write a “Letter of Wishes” setting out that you choosing to omit your ex-spouse from your Will was not an oversight.
Why Should I Make A New Will?
It’s always a good idea to write a new Will when your personal circumstances change, especially for something as life-changing as a divorce.
Making a new Will after divorce allows you to make sure that your estate is divided up in the way you want, and making a new Will can also help prevent potential claims being brought against your estate under the Inheritance Act.
This guide answers many questions about donating organs. Let’s never forget that organ donors save lives. One thing that is often overlooked is that organ donors have typically died in a hospital intensive care unit or emergency department and that 99% of people do not die in circumstances that make it possible for them to donate their organs.
This guide explores the issues if you were able to donate your organs.
Which organs can be donated?
When you register a decision to donate, you will be asked whether you want to donate some or all of your organs when you die. You can choose to donate your heart, lungs, kidneys, liver, corneas, pancreas and small bowel. You also have the opportunity to donate tissue. This information will be available to specialist nurses when your record is reviewed and your decision around donating specific organs and tissue will always be respected.
Let’s never forget that organ donors save lives.
Organ Donation Procedure
The organ donation process involves a specialist team who ensure that donors are treated with great care and respect during the removal of organs and/or tissue for donation. The retrieval of organs takes place in a normal operating theatre under sterile conditions, and is carried out by specialist surgeons. Afterwards the surgical incision is carefully closed and covered by a dressing in the normal way. Only those organs and tissue specified by the donor and agreed with the family will be removed.
End of Life Discussions
There are strict criteria in place in the UK to help those caring for the dying, by providing safe, timely and consistent criteria for the diagnosis of death. Organs are never removed until a patient’s death has been confirmed in line with these criteria.
Healthcare professionals also have a duty of care to save a person’s life first and foremost and only if, despite the best efforts of healthcare professionals, death is inevitable, is organ and tissue donation considered as part of the end of life care discussions that may be held with a person’s family, friends and next of kin. At this time the NHS Organ Donor Register is accessed by a specialist nurse and the possibility of organ donation is considered and discussed with the family.
Death is confirmed by doctors who are entirely independent of the transplant team and this is done in the same way for people who donate organs as for those who do not.
Funeral arrangements are generally not affected by organ donation. Your family are always consulted to see if there are considerations around faith, beliefs or culture with respect to funeral arrangements. The donation operation is performed as soon as possible after death and after the operation, the body is returned to the family of the deceased in the same way as any death in a hospital. Families are given the opportunity to spend time with their loved one after the operation if they wish. Organ and tissue donation doesn’t prevent having an open-casket funeral. The body is clothed ready for burial, so there are no visible signs of organ or tissue donation.
All major religions in the UK are open to the principles of organ donation and transplantation and accept that organ donation is the choice of an individual.
When you register as an organ donor on the NHS Organ Donor Register, you have the opportunity to say whether or not you would like the NHS to speak to your family, and anyone else appropriate, about how organ donation can go ahead in line with your faith or belief system.
The “opt-out” system
In an “opt-out” system, if there is no recorded decision for you, it will be considered that you agree to donate your organs after death unless you are in an excluded group, or you have let your friends or family know you do not wish to donate any organs, and they pass this on to the team involved in your end of life discussions.
The “opt-out” system presumes consent to organ donation unless otherwise specified so if you don’t want to donate, then you must record your decision on the NHS Organ Donor Register. Within an “opt-out” system the decision about whether or not to choose to donate your organs is up to the individual which will be respected in the event of your death.
The donor card
Carrying an organ donor card is a valid form of consent but it is possible that your donor card might not always available to specialist nurses. For this reason, we would always recommend that you register your decision on the NHS Organ Donor Register and share this decision with your family. A donor card can be picked up from a doctors or pharmacy.
The family’s role in organ donation
Families are always consulted prior to donation for a number of reasons, including consideration as they are facing the loss of someone close to them and information the family may have about donation that is more recent than the decision recorded on the NHS Organ Donor Register.
The information that families provide before organ donation goes ahead, together with medical tests, is vital to understanding whether the person’s organs are safe to transplant into somebody else.
Organ donation can only go ahead the donor’s consent and/or the support of their family. The best way to make sure the right course of action is followed is to register it on the NHS Organ Donor Register and tell your family, or a loved one. By telling your family what you’ve decided, you can relieve them of the burden of having to make a difficult decision at such a stressful time.
What if the family object to organ donation?
If your family, or those closest to you, object to donation even when you have given your permission (either by telling relatives, friends or clinical staff, by joining the NHS Organ Donor Register or by carrying a donor card) healthcare professionals will discuss the matter sensitively with them.
They will be encouraged to accept your decision and it will be made clear that they do not have the legal right to veto or overrule your decision. There may, nevertheless, be cases where it would be inappropriate for donation to go ahead if donation would cause distress to your family.
What if there is no family?
If no family members are available, a friend of long standing can be consulted. The Human Tissue Authority have set out Codes of Practice, which include a list of those who should be approached about organ donation. This starts with your family, then includes friends and care workers who will have known you and may be able to speak for you. Organ donation would not go ahead if the NHS cannot contact someone who knew you well, even if you have registered a decision to donate on the NHS Organ Donor Register. The NHS has a duty to consider the safety of any organs for transplant. This is why speaking to the family, or someone else appropriate, about medical and lifestyle history is so important.
Children and consent
If someone under the age of 18 dies in England, their parents would normally be approached about organ donation and given the opportunity to consent on their child’s behalf. Organ donation would only go ahead with the agreement of the family.
The deemed consent, or ‘opt out’ system in England does not apply to children. If there was a decision recorded on the NHS Organ Donor Register, this information would be shared with the family.
You can donate some organs and tissues for research purposes if other organs and tissues are taken for transplantation. Your organs and tissue can only be used for research after you die if they are not suitable for transplant. Donating organs for medical research is not part of the deemed consent or opt out system for organ donation in England.
Also, donating your whole body for medical research is not part of the deemed consent or opt out system for organ donation in England. Whole bodies are not accepted for teaching purposes if organs have been donated or if there has been a post-mortem examination. Your body may be used for anatomical examination, teaching and research. The best and most useful way to do this is to specify a teaching hospital in your will, so that your executors can contact the right people immediately after your death.
Organ donation wishes and Wills
People wanting to donate their organs can leave their wishes in a Will, and in recent years, there has been an increase in clients expressing organ donation wishes in their Wills.
Of course, the Will is most often read some time after a person has died so it is important that an individual’s preferences are discussed with their family whilst everyone is alive.
However, if you make it clear in your Will that you wish to give your body for teaching and research, or to donate organs, it is most likely that your executors will do their best to carry out your wish.
If you have found this useful, and want to donate your organs, now is a good time to write a new Will.
The beginning of any new year is recognised as a good time to evaluate personal matters and get your affairs in order. Often that includes working on your weight, looking for a new job and getting fit and changing lifestyle.
The beginning of a new year brings with it a fresh perspective and so it’s a very good time to sort out personal and financial affairs, as well as making plans for the future, and that includes updating your Will.
January is a busy time for us as many people decide the New Year is a good time to update their Wills.
The coronavirus restrictions in 2020, and in particular over the Christmas period, have meant that many families couldn’t get together in the usual way, and the worry about what the future may hold have spurred many people into action to write their Wills for the first time to ensure their loved ones are protected in the future.
Updating your Will
Without a valid Will in place, you have no control over who will inherit your estate – your possessions, your money, property and even your pets after you die. Instead, the law will decide who will get what under inheritance laws called the rules of intestacy.
Despite this, a lot of people have not yet made a Will. This is not clever, as when they die, everything they own may well be distributed in line with the rules of intestacy, oftentimes against their wishes. This can cause upset and undue distress for loved ones and family members left behind at an already challenging time.
If you do have a valid Will in place, it’s important to review it regularly to check that it is still an accurate reflection of your wishes. The New Year is a very good time to do just that to make sure your Will is still effective and whether it is still a true reflection of your wishes. If it isn’t, then you should make a new Will as soon as possible.
The term “chattels” invokes the language from a time when Britain had an Empire and people were concerned with what would happen to their carriages and horses after they had passed.
According to the Administrations of Estates Act 1925, “Personal Chattels” means carriages, horses, stable furniture and effects (not used for business purposes) motor cars and accessories (not used for business purposes) garden effects, domestic animals, plated articles, linen, china, glass, books, pictures, prints, furniture, jewellery, articles of household or personal use or ornament, musical and scientific instruments and apparatus, wines, liquors and consumable stores, but does not include any chattels used at the death of the intestate for business purposes nor money or securities for money.
The statutory definition of personal chattels was updated in 2014 as part of the Inheritance and Trustees Powers Act 2014 and the definition of personal chattels is now defined as tangible movable property other than any such property which consists of money of securities for money or was used at the death of the intestate solely or mainly for business purposes or was held at the death solely as an investment.
So, any personal goods other than “money, securities for money or property used solely or mainly for business purposes” falls into the definition of chattels, so it is quite a broad definition, and it has clearly moved on from just horses and carriages.
Chattels can often have sentimental value, and are not always high value items. It is common practise for people to make specific gifts of items in their Wills such as pieces of jewellery to a named person. This is an excellent way of ensuring that a specific chattel goes to the intended beneficiary.
If a deceased’s Will does not refer to what is to happen to their chattels, then they will fall into the residue of the estate to be split between the beneficiaries.
Chattels or Fixtures?
As an aside, the law distinguishes between chattels and fixtures when it comes to buying and selling property. As we know now, a chattel is a movable property. A fixture is a chattel that has been fixed or attached and can no longer be easily moved. For example, curtains would be classed as a chattel, whereas a built-in bookcase would be a fixture.
In a Will, it is worth considering gifting high value items which may be held as a significant investment as identified items of estate and not simply as chattels especially when they have been used for business purposes. In that instance such articles should be listed as specific legacies rather than simply fall into the residuary of an individual’s estate.
The key take away is that chattels are movable items, that are not used for business purposes – and they can be of any value.