Month: July 2025

Whose Voice Counts? Florida’s “Substituted Judgment” Standard in Healthcare Decisions

Making a medical decision for yourself is difficult. Making one for a loved one who cannot speak or decide for themselves can feel overwhelming. These moments are often filled with emotion, urgency, and uncertainty, especially when family members do not agree.

But in Florida, the law offers a clear and compassionate answer:
Do not decide based on what you think is best. Decide based on what they would have wanted.

What Is “Substituted Judgment”?

Florida follows the substituted judgment standard for healthcare decisions made on behalf of someone who is incapacitated.

This means: when you are authorized to make a decision for another person, your legal duty is not to choose what seems best to you, but rather to make the choice they would make if they were able.

This standard applies to:

  • A healthcare surrogate named in an advance directive.
  • An agent under a valid healthcare power of attorney.
  • A proxy (e.g., a spouse or adult child) acting under Florida’s statutory hierarchy when no written directive exists.

No matter your title, your responsibility is the same: represent the patient’s values, not your own.

What Florida Law Says

Florida Statutes § 765.205(1)(b) requires that a surrogate must act in accordance with the principal’s instructions and known wishes. Only if those wishes are unknown can you make decisions based on what seems objectively to be in their best interest.

This is not just a recommendation — it is a legal and ethical obligation.

How to Understand Someone’s Wishes

Making decisions using substituted judgment is not guesswork, it is a process of reflection and discovery.

You can look for clues in:

  • Past conversations about healthcare or end-of-life care.
  • Religious, cultural, or spiritual beliefs.
  • How they reacted to the medical situations of friends or family.
  • Social values or personal philosophies.
  • Emails, texts, or even light-hearted remarks that hint at their views.

The goal is to form an honest picture of how that person thought about life, health, and dignity, and apply that understanding to their current situation.

When There Are No Clues

Only if no prior statements, values, or consistent behavior are available to guide you can you shift to the “best interest” standard.

But Florida law expects you to try — in good faith — to reconstruct what they might have wanted. The “best interest” fallback must be thoughtful and compassionate and should never be the first resort.

Why Substituted Judgment Matters

Florida’s substituted judgment rule exists to:

  • Protect vulnerable patients’ autonomy and dignity.
  • Prevent unnecessary family conflict.
  • Ensure decisions remain deeply personal, not merely clinical, or convenient.
  • Encourage advance care planning and open conversations.

Even when someone cannot speak for themselves, their voice and their values still matter.

Give Your Surrogate the Tools to Speak for You

Designating a healthcare surrogate is not just about picking someone you trust; it is about equipping them with the insight and authority they will need to represent your wishes. That is why it is so important to:

  • Create clear advance directives.
  • Talk openly with your surrogate about your values.
  • Put your preferences in writing — early and clearly.

If you have ever had to make these decisions for someone else, you understand how crucial this guidance can be. And, if no one has made these choices for you yet, now is the time.

The foregoing is a brief and general overview of the topic and the need for specific and experienced legal and tax advice is emphasized.

Let Us Help You Plan With Purpose

At Caserta & Spiriti, we help individuals and families throughout Florida document their healthcare wishes with clarity and compassion. We will walk you through:

  • Drafting legally valid advance directives.
  • Naming a healthcare surrogate.
  • Understanding your rights and responsibilities under Florida law.

Contact our office today to protect your voice and give your loved ones the peace of mind they deserve.

What Is a Florida Family Trust, and Do You Need One?

When it comes to protecting your legacy, reducing estate taxes, avoiding probate, and providing for your loved ones, a family trust can be a powerful tool in your Florida estate plan. However, it is not a one-size-fits-all solution—and understanding whether it is right for you begins with the basics.

What Is a Family Trust in Florida?

A family trust is a legal entity that holds and manages assets for the benefit of family members. Like other trusts, it involves:

  • The Grantor – the person who creates the trust and funds it with assets.
  • The Trustee – the individual or institution responsible for managing those assets.
  • The Beneficiaries – typically family members, who receive financial benefits according to the terms of the trust.

Florida family trusts are typically revocable living trusts, meaning they are created during the grantor’s lifetime and can be altered or revoked at any time. However, irrevocable trusts, which are permanent and cannot be changed once established, are sometimes used for asset protection or tax planning purposes.

What Are Family Trusts Used For in Florida?

A Florida family trust serves several key estate planning functions:

Avoiding Probate

Assets held in a properly funded trust bypass the probate court process altogether. This saves time, reduces legal costs, and preserves privacy for your beneficiaries.

Maintaining Control

You can specify when, how, and under what conditions beneficiaries receive distributions—whether at certain ages, for specific purposes, or only under trustee discretion.

Protecting Assets

Irrevocable family trusts may shield assets from creditors, lawsuits, or financial mismanagement, particularly when beneficiaries are young or vulnerable.

Minimizing Taxes

While Florida does not have a state estate tax, federal estate tax planning may still apply, especially for high-net-worth families. Trusts can help reduce tax liability and preserve generational wealth.

Preserving Family Privacy

Unlike probate, which is public record, the administration of a trust is private. This can help avoid disputes, gossip, or financial exposure.

How Do You Set Up a Family Trust in Florida?

Here is a general guide to creating a family trust in Florida:

  1. Consult an Estate Planning Attorney
    Start with experienced legal guidance. Florida has unique trust and probate laws, and a local attorney can ensure your trust is properly drafted and compliant with state requirements.
  2. Choose the Right Type of Trust
    Most family trusts are revocable, giving you flexibility and control during your lifetime. However, if your goal is asset protection or estate tax planning, an irrevocable trust may be more appropriate.
  3. Select a Trustee
    You may serve as your own trustee during your lifetime, but it is essential to name a successor trustee to step in upon incapacity or death. This can be a trusted individual or a professional fiduciary.
  4. Name Your Beneficiaries
    Decide who will benefit from the trust and under what conditions. Children, grandchildren, spouses, or even charities can be included.
  5. Create the Trust Agreement
    Your attorney will draft a formal document outlining the trust’s terms, the trustee’s powers, and the distribution instructions.
  6. Fund the Trust
    This step is crucial: transfer ownership of your assets such as your home, bank accounts, investment portfolios, or business interests into the name of the trust. Unfunded trusts do not avoid probate and may fail to achieve their goals.
  7. Keep It Current
    Your family trust should evolve with your life. Revisit and revise it after major life changes such as births, deaths, marriages, divorces, or significant financial shifts.

Is a Family Trust Right for You?

A family trust is not just for the wealthy. It is for any Florida resident who wants to avoid probate, control how assets are distributed, and protect their family’s future.

You might benefit from a trust if:

  • You want to avoid probate in Florida.
  • You have minor children or dependents with special needs.
  • You own property in multiple states.
  • You want to protect assets from creditors or lawsuits.
  • You have a blended family or complex family dynamics.

On the other hand, if your estate is small and your beneficiaries are adults with no special concerns, a trust may not be necessary and a well-drafted Last Will & Testament as well as Lady Bird deed for real property and designated beneficiaries on appropriate accounts may suffice.

Do not Trust Online Forms—Get Local Legal Guidance

While online tools and financial advisors can help you learn the basics, only an experienced Florida attorney can ensure your family trust is legally valid and tailored to your specific needs. Mistakes in setup, funding, or compliance can cost your family dearly in court fees and taxes later on.

The foregoing is a brief and general overview of the topic and the need for specific and experienced legal and tax advice is emphasized.

Talk to CASERTA & SPIRITI Today

At CASERTA & SPIRITI in Miami Lakes, we help Florida families build customized estate plans, including trusts, which reflect their values, goals, and financial legacy. Whether you are just getting started or reviewing an existing plan, we are here to help you navigate the process with clarity and care. Contact our office for a consultation and find out whether a Florida family trust is right for you.

Weathering the Storm: 6 Legal Tips for Florida Residents After a Natural Disaster

In Florida, hurricanes, floods, and wildfires are an unfortunate reality. While the physical and emotional toll of a disaster can be overwhelming, the legal and financial aftermath can be just as challenging. Knowing your rights, and what steps to take, can make a significant difference in your recovery.

The following are six (6) key legal tips to help Florida residents protect themselves, their property, and their financial well-being in the wake of a disaster:

1. Understand Your Legal Rights After a Disaster

If your home or property has been damaged or destroyed, it is important to know where you stand legally. Florida laws vary depending on whether you are a homeowner or renter. You may have questions like:

  • Am I still required to pay rent or my mortgage?
  • Who is responsible for debris cleanup?
  • What are my rights if my landlord will not make repairs?

Your rights often depend on local ordinances, insurance policies, and federal disaster declarations. Check your homeowner’s or renter’s insurance policy and reach out to FEMA or the Florida Division of Emergency Management for guidance.

Tip: Download FEMA’s “Disaster Recovery Resources” guide or consult a Florida attorney to fully understand your rights under state law.

2. Know Who to Call and Where to Get Help

In the chaos that follows a disaster, it is helpful to have trusted resources at your fingertips. Below are key contacts for Floridians:

  • FEMA Disaster Assistance: 1-800-621-3362
  • Florida Emergency Information Line: 1-800-342-3557
  • Florida Department of Insurance (DFS): 1-877-693-5236
  • Vital Records (Birth/Marriage/Death Certificates): 1-877-550-7330
  • Florida Bar Disaster Legal Services: 1-866-550-2929

Also, the Florida Bar Young Lawyers Division often partners with FEMA to provide free legal assistance during declared disasters.

3. Beware of Scams and Price Gouging

Unfortunately, disasters bring out scammers hoping to take advantage of people in distress. After a hurricane or fire, be cautious when hiring contractors or responding to unsolicited offers.

Florida law prohibits price gouging during a declared emergency (Florida Statutes § 501.160). If you believe you have been overcharged, contact:

  • Florida Attorney General’s Price Gouging Hotline: 1-866-966-7226

When hiring contractors:

  • Do not pay in full upfront.
  • Always get a written contract.
  • Ask for proof of Florida licensure and insurance.
  • Avoid making decisions under pressure.

4. Protect Yourself from Identity Theft

Disasters often scatter documents and compromise personal security. If your home was looted, your belongings displaced, or paperwork lost, you may be at increased risk of identity theft.

Consider placing a fraud alert on your credit report. This is free and legally guaranteed if you believe you are a victim:

  • Equifax: 1-800-525-6285
  • Experian: 1-888-397-3742
  • TransUnion: 1-800-680-7289

An initial fraud alert lasts 90 days and notifies lenders to verify your identity before approving new credit. You only need to contact one credit bureau, and they are required to notify the other two.

Tip: Keep records of any lost or stolen financial documents and report them immediately.

5. Prevent Contractor Disputes with Proper Contracts

Rebuilding is stressful enough without legal battles over home repairs. Protect yourself before the first hammer swings:

  • Never begin work without a signed contract.
  • Review the contract with a Florida attorney, if possible.
  • Ensure the agreement details labor, materials, cost, payment schedule, and timeline.
  • Choose contractors licensed by the Florida Department of Business and Professional Regulation.

Disputes can be costly. A properly drafted contract is your best defense against delays, overcharges, and unfinished work.

6. Know Your Rights in Insurance Disputes

Filing insurance claims is a critical but often frustrating step. Many Floridians are forced to dispute delays, underpayments, or claim denials after disasters.

To protect yourself:

  • Document everything—photos, receipts, videos, and emails.
  • Review your policy for coverage limits, exclusions, and deadlines.
  • Keep a record of every communication with your insurer.
  • Respond to written or emailed inquiries promptly and thoroughly.

If you believe your insurance company is acting in bad faith, you may have legal recourse under Florida’s Insurance Consumer Protections (Florida Statutes § 624.155).

Tip: You may also be eligible for free assistance through the Florida Department of Financial Services Consumer Helpline at 1-877-693-5236.

Final Thoughts: Be Legally Prepared Before and After Disaster Strikes

Natural disasters can destroy more than property—they can leave people legally vulnerable. From housing issues to identity theft and contractor fraud, knowing your rights is a critical part of disaster recovery in Florida.

The foregoing is a brief and general overview of the topic and the need for specific and experienced legal and tax advice is emphasized.

At Caserta & Spiriti in Miami Lakes, we assist Florida families with emergency legal matters, property disputes, and post-disaster estate planning. Whether you are updating your legal documents after a storm or facing a denial of insurance coverage, we are here to help you rebuild with confidence. Contact our firm today for a consultation or legal guidance following a disaster.

Do It and Store It Safely Away? Not So Fast — Why Your Florida Estate Plan Needs Regular Check-Ups

Estate planning is not a one-and-done task. While it may feel satisfying to sign your documents, file them away, and cross them off your to-do list, real life does not stand still, and neither should your estate plan.

As your family, finances, and the law evolve, an outdated estate plan can become a ticking time bomb, potentially leading to confusion, disputes, delays, or unintended outcomes. The good news is with regular reviews; your estate plan can stay just as dynamic as your life.

When Life Changes, So Should Your Plan

Major life events are the biggest reasons to revisit your estate plan. Ask yourself:

  • Have you gotten married or divorced?
  • Has your family grown—through a new child or grandchild?
  • Has anyone named in your documents passed away or become unable to serve?
  • Have your children reached adulthood and no longer need guardians or special provisions?
  • Have you received a significant inheritance, sold a business, or taken on new investments?
  • Has there been a change in your health or long-term goals?

If you have answered yes to any of these questions, your estate plan likely needs an update.

Florida Laws and Tax Rules Do Not Stand Still

Even if your personal situation has not changed, the law might have. Florida statutes on probate, guardianship, homestead, and healthcare directives can shift over time. Federal estate and gift tax laws also change, affecting how assets pass to your heirs.

For example:

  • Outdated healthcare directives might not meet current HIPAA or state requirements.
  • Old powers of attorney might be rejected by banks or institutions if they do not reflect current formatting or statutes.
  • Changes to the federal estate tax exemption or Florida’s elective share laws could impact distributions to a surviving spouse.

The Overlooked Frontier: Digital Assets

Estate planning used to focus on homes, bank accounts, and insurance policies. But in today’s world, your digital footprint is just as important. Have you accounted for:

  • Online bank and investment accounts
  • Cryptocurrency wallets
  • Email, social media, or cloud storage
  • Subscription or rewards programs
  • Digital business assets or intellectual property

If your estate plan does not include specific language for digital asset access, your loved ones could face frustrating roadblocks or even lose access entirely.

Built for Flexibility—If You Use It

Your estate plan is designed to evolve with your life, but only if you revisit it regularly. A good rule of thumb is to review your plan every 3 to 5 years, or sooner if a major event occurs.

Here is how to stay on track:

  • Set a recurring calendar reminder to review your documents with your attorney.
  • Keep a folder (physical or digital) with updates to your assets or beneficiary wishes.
  • Consider an annual family meeting to discuss your estate planning intentions, if appropriate.
  • Monitor your digital asset inventory just like you would your checking or retirement accounts.

Why This Matters More Than You Think

When an outdated estate plan surfaces after your passing or during incapacity, it is often too late to fix it. That could mean:

  • Assets going to the wrong person
  • Guardians not named for minor children
  • Healthcare wishes not followed
  • Disputes among family members
  • Costly court intervention and legal delays

A small update today can prevent a major issue tomorrow.

The foregoing is a brief and general overview of the topic and the need for specific and experienced legal and tax advice is emphasized.

Let Us Help You Keep Your Plan Current

At CASERTA & SPIRITI, we do not just help you create an estate plan, we help you maintain it. Our Florida-based attorneys are here to review your documents, incorporate legal updates, and ensure your plan reflects your life today—not five or ten years ago.

Contact our firm in Miami Lakes to schedule your complimentary estate planning review or to learn more about how your current plan can be updated pursuant to Florida law and your evolving family needs.