关于Beneficiary一问：Per Stirpes 和 Per Capita - 未名空间MITBBS历史存档

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关于Beneficiary一问：Per Stirpes 和 Per Capita

关于Beneficiary一问：Per Stirpes 和 Per Capita# Law - 律师事务所

c*h2007-06-27 07:06

1 楼

是IRA account上的Beneficiary, 有这样的两个选项和如下解释
You may select either per stirpes (or "By rights of representation") or per
capita next to each name if you wish the children of a beneficiary that
predeceases you to receive a share of this account.
这两个选项什么意思啊？该如何选？我的Agent的解释和wiki上解释完全相反。谢谢！

c*d2007-06-27 07:06

2 楼

Haha, I learned this in Bar/Bri today.

c*d2007-06-27 07:06

3 楼

This may sound complicated, but it's easier to understand if you draw a tree
diagram.
Suppose you have two children, A and B. Suppose A has 2 children, X and Y,
and B has 1 child, Z.
Suppose further that when you die, both A and B are dead, too.
Under per capita: X, Y, and Z each gets 1/3.
Under per stirpes: X and Y each gets 1/4 (because they get 1/2 through A),
and Z gets 1/2.

c*h2007-06-27 07:06

4 楼

终于有个内行出来解释,谢谢！
还有些疑问。每个beneficiary都有指定一个 % of Benefits. 在你的例子中，假设A和
B各继承50%。如果A dies, but B survives. 那么A的50%是给B呢？还是给A的孩子？
我的理解是：如果想把A的50%给B的话，就都不要选。这样by default, A的50%就给了B
。而如果希望A的孩子能够继承，就选择Per capita 或者 Per stripes. 而Per capita
和Per stripes只是决定这A的50%如何在A的Branch(Children)中分配。不知道这个理解
正不正确？
还有，Agent说，这种IRA, 401K, life insurance上的Beneficiary designation
supresedes will. 是不是啊？修改will比一个一个修改这些东西容易多了，似乎这个
规定不太合理。

tree

【在 c**d 的大作中提到】

: This may sound complicated, but it's easier to understand if you draw a tree
: diagram.
: Suppose you have two children, A and B. Suppose A has 2 children, X and Y,
: and B has 1 child, Z.
: Suppose further that when you die, both A and B are dead, too.
: Under per capita: X, Y, and Z each gets 1/3.
: Under per stirpes: X and Y each gets 1/4 (because they get 1/2 through A),
: and Z gets 1/2.

c*d2007-06-27 07:06

5 楼

"每个beneficiary都有指定一个 % of Benefits. 在你的例子中，假设A和B各继承50%
。如果A dies, but B survives. 那么A的50%是给B呢？还是给A的孩子？"
If A dies, A's heirs gets the 50%. The heir would be either A's surviving
spouse, or A's children. If A leaves no will and has no surviving spouse or
children, A's property MAY then pass to the sibling B.... it gets a little
complicated.
"如果想把A的50%给B的话，就都不要选。这样by default, A的50%就给了B
。而如果希望A的孩子能够继承，就选择Per capita 或者 Per stripes. 而Per capita
和Per stripes只是决定这A的50%如何在A的Branch(Children)中分配。不知道这个理
解正

c*h2007-06-27 07:06

6 楼

几点疑问
1.在Primary Beneficiary条款原文如下：
In the event of my death, pay the full value of my IRA (in equal proportions
in the case of multiple beneficiaries unless otherwise indicated) to the
Primary Beneficiary listed below. I understand that if a primary beneficiary
predeceases me, his or her share will be divided equally among all
surviving primary beneficiaries. You may select either per stirpes (or "by
rights of respresentation") or per capita next to each name if you wish the
children of a benefi