Integrated life planning method and systems and products for implementation

• US 20030182290A1
• Filed: 10/19/2001
• Published: 09/25/2003
• Est. Priority Date: 10/20/2000
• Status: Abandoned Application

• Current Assignee: Denise S. Parker
• Original Assignee: Denise S. Parker
• Inventors: Parker, Denise S.
• Application Number:
  US10/013,888
• Publication Number:
  US 20030182290A1
• Time in Patent Office: Days
• US Class Current: 707/100
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 99/00 Subject matter not provided for in other groups of this subclass

Abstract

A method for facilitating final estate planning comprises gathering data in response to a series of questions organized into four points of estate planning, which are (1) client assets, (2) client fiscal and human/pet care responsibilities (i.e. creditors, children, spouse, employers and others that are dependent upon the client), (3) desired disposition of the client'"'"'s body before (e.g., assisted living, hospice, palliative care, life support) and after death (corporal disposition), and (4) funding arrangements and documentation for asset disposition to cover fiscal, human/pet care responsibilities, living body and subsequent remains disposition, and to carry out the client'"'"'s other wishes. A system for performing the method includes a computer program that is preferably accessible via an internet web site. A unique identification card, known as a denicard™, is provided which includes information for accessing the bearer'"'"'s or owner'"'"'s end of life (EOL) plans and data that is stored in a database accessible via a the web site or a designated entity, wherein the stored data is generated by the system when the FEP method was performed. Numerous variations of FEP and EOL planning methods and systems and products for implementation are described. These can be incorporated into a total life plan.

Claims

1. A device for providing and obtaining information about the owner or bearer thereof, comprising:

a first medium for storing information, and

identity information stored on said first medium, wherein said identity information includes a code for identifying the owner or bearer of the device and contact information, said contact information comprising instructions for communicating with a contact entity, wherein, in the event of the incapacity or death of the owner or bearer of the device, communication of said code to said contact entity causes instructions stored by said owner or bearer relating to the incapacity or death of same to be implemented, wherein said instructions comprise at least one of the group consisting of;

information required to complete a death certificate, health insurance information, organ donation desires, funeral information, long term care desires, a living will, life insurance information, family information, and representative information.

2. The device of claim 1, wherein said device includes words to advise a viewer thereof to communicate said code to said contact entity in the event of the incapacity or death of the bearer.

3. The device of claim 1, wherein said contact information comprises at least one of the following contact communication details:

a phone number, an email address, a facsimile number, a physical mailing address, and an internet address.

4. The device of claim 1, wherein said identity information is not damaged by contact of said device with water.

5. The device of claim 1, further comprising a second medium for storing information, said second medium selected from the group consisting of an electronic data storage device and a magnetic data storage device, wherein said second medium can be used to store information about the assisted living and final estate plans of the bearer or owner.

6. The device of claim 5, wherein said second medium is capable of accessing data stored at a location remote from the location of said device.

7. The device of claim 1, wherein said instructions are incorporated in a data file, said data file comprises final estate plans for the bearer or owner of said device.

8. A system for conducting life planning, comprising at least one computer in operable relationship with a data storage device, a data input device, and a data output device, wherein a hierarchical set of interrogatories are incorporated into a computer program that can be stored and implemented by said computer, wherein said system can be used to obtain, store, analyze, update and output information provided in response to said interrogatories, wherein a method for end of life planning for assisting individuals to gather information related to final estate planning can be performed, said method comprising obtaining information in response to inquiries organized into a first, a second, a third and a fourth category, said first category comprising inquiries about an individual'"'"'s assets and the location of said assets, said second category comprising inquiries about the individual'"'"'s responsibilities, said third category comprising inquiries about the individual'"'"'s corporal plans in the event of incapacity or death, and said fourth category comprising inquiries about how the individual desires said assets to be applied to meet said responsibilities and said plans and documentation expressing said desires.

9. The system of claim 8, wherein said computer program is accessible via an internet hub, wherein individuals may remotely access said program, enter personal data, and store said data with said hub.

10. The system of claim 8, further comprising an identity device for providing and obtaining information about the owner or bearer thereof, said identity device comprising a first medium for storing information, and identity information stored on said first medium, wherein said identity information includes a code for identifying the owner or bearer of said identity device and contact information, wherein said code is linked to information about the owner or bearer of said identity device provided in response to said inquiries, and said contact information comprises instructions for communicating with a contact entity, said contact entity having access to said information about the owner or bearer of said identity device provided in response to said inquiries.

11. The system of claim 10, wherein providing said code to said contact entity causes instructions relating to the incapacity or death of same to be implemented, said instructions provided by the owner or bearer of said identity device in response to said inquiries, wherein said instructions comprise at least one of the group consisting of:

information required to complete a death certificate, health insurance information, organ donation desires, funeral information, long term care desires, a living will, life insurance information, family information, emergency contact information, medical history, and representative information.

12. The system of claim 10, further comprising a list of end of life planning resources, said resources being linked to said inquiries, wherein at least one of said inquiries is accompanied by information about at least one of said end of life planning resources to assist in answering the inquiry.

13. The system of claim 8, further comprising data on end of life planning resources, said resources being linked to said inquiries based on subject matter, wherein at least one of said inquiries is accompanied by information about at least one of said end of life planning resources in a subject matter corresponding to the subject matter of said inquiry to assist in answering the inquiry, wherein said system provides for individuals answering said inquiries to be provided a vendor referral for a resource that will enable an inquiry to be answered.

14. The system of claim 13, wherein data provided in response to said interrogatories can be updated by a vendor.

15. The system of claim 10, wherein said hub is linked to at least one internet search term selected from the group consisting of deni, deni.net, death, dying, disability, will, trust, probate, estate, funeral, casket, urn, cemetery, burial, grief, mourning, retirement, obituary, life insurance, health insurance, assisted living, and financial planning.

16. The system of claim 10, further comprising an assessment program for identifying final estate or end of life plan deficiencies and for making vendor referrals to assist in curing said deficiencies.

17. The system of claim 16, wherein said vendor referrals include a program for acknowledgement of a disclaimer of liability by said hub.

18. The system of claim 16, wherein said assessment program includes a checklist for identifying final estate or end of life plan details and deficiencies.

19. The system of claim 18, wherein information provided to complete said checklist is automatically analyzed and vendor referrals are made as needed automatically in response thereto.

20. The system of claim 19, wherein said vendor referrals include referrals to at least one of the group consisting of an insurance provider, an investment advisor, a financial planner, a funeral planner, a legal advisor, a casket vendor, an urn vendor, a florist, a crematory service vendor, a cemetery, a long term care provider, an assisted living provider, a bank, a real estate agent, a retirement home, and a grief counseling provider, said insurance provider comprising a provider of at least one of the group consisting of health insurance, life insurance, disability insurance, funeral insurance, and burial insurance.

21. The system of claim 19, wherein revenue can be raised by the operator of said system by at least one of the group consisting of fees for vendor advertising, fees for listing vendors on a preferred vendor list, fees for vendor referrals, sales commissions, fees for using the program to obtain and store data, fees for identity devices, fees for updating stored plan data, and fees for implementing stored instructions.

22. A method for end of life planning for assisting individuals to gather information related to final estate planning, said method comprising obtaining information in response to inquiries organized into a first, a second, a third and a fourth category, said first category comprising inquiries about an individual'"'"'s assets and the location of said assets, said second category comprising inquiries about the individual'"'"'s responsibilities, said third category comprising inquiries about the individual'"'"'s corporal plans in the event of incapacity or death, and said fourth category comprising inquiries about how the individual desires said assets to be applied to meeting said responsibilities and said plans and documentation expressing said desires.

23. A kit for end of life planning, comprising a series of inquiries accessible via computer or in paper form, said inquiries comprising inquiries for assisting individuals to gather information related to final estate planning, said inquiries organized into a first, a second, a third and a forth category, said first category comprising inquiries about an individual'"'"'s assets and the location of said assets, said second category comprising inquiries about the individual'"'"'s responsibilities, said third category comprising inquiries about the individual'"'"'s corporal plans in the event of incapacity or death, and said fourth category comprising inquiries about how the individual desires said assets to be applied to meeting said responsibilities and said plans and documentation expressing said desires, said kit further comprising an identity card, said card having a data field for a code corresponding to a particular entity and information for accessing said data provided in response to said inquiries for a particular entity.

24. A computer program for final estate planning embodied in a computer readable medium, said computer program comprising:

a user interface routine, said user interface routine capable of providing questions and information to and receiving information from a user;

a first storage routine coupled to said user interface routine, said first storage routine comprising a plurality of interactive messages, each of said plurality of interactive messages operative to derive a response from a user, at least one of said interactive messages being related to a user'"'"'s final estate plans;

a second storage routine coupled with said user interface routine, said second storage routine operative to receive and direct the storage of responses to each of said plurality of interactive messages in a record; and

a program logic routine coupled with said user interface routine and said first and second storage routines wherein said program logic routine utilizes said user interface routine to present each of said plurality of interactive messages to said user and receive each response, said program logic routine including a storage routine to store each response in said record,

wherein said plurality of interactive messages further comprises first, second, third and fourth subsets of interactive messages, said first subset comprising interactive messages about an individual'"'"'s assets and the location of said assets, said second subset comprising interactive messages about the individual'"'"'s responsibilities, said third category comprising interactive messages about the individual'"'"'s corporal plans in the event of incapacity or death, and said fourth category comprising interactive messages about how the individual desires said assets to be applied to meet said responsibilities and said plans and related documentation.

25. The computer program of claim 24, wherein said program logic routine including a routine to generate an access medium to said user, said access medium being transferable to a transferee and comprising an authorization to access at least part of said record from said second storage.

26. The computer program of claim 25, wherein said program logic is further operative to receive said authorization and provide said record in response thereto.

27. The computer program of claim 24, wherein at least one of said plurality of interactive messages is coupled with a resource external to said computer program, said resource operative to assist said user to provide said response.