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Muslim Guide to Delusions Estate Planning

June 20, 2023 By Ahmed Shaikh

Do you believe imposters have taken the place of your wife and children?  The good news is you are not alone.  Many people throughout history thought the same thing.  The bad news is you are probably suffering from a delusion.  

The subject of delusions is complex and controversial in the law.   Several cases of delusions in estate planning involve demonic possession or control by satan.  

In Muslim societies, some may believe a loved one (or the person) is a victim of Jinn possession or black magic.

Muslims and Non-Muslims Treat Delusions Differently

There are major differences between Muslim communities as opposed to non-Muslim communities.  You cannot disinherit because you think Jinn has possessed your child.  If you believe your child has been abducted by aliens and replaced by an elaborate lookalike, you still cannot disinherit your child.  You should appoint a Trustee in an Islamic Estate Plan that can distinguish between the alien and the actual child if you want.  You don’t plan for today anyway; it’s for a time after you are gone.  

The concept of “delusion” is something the law and mental health professionals have struggled with.  As a general matter, legal definitions and explanations of things don’t correspond with mental health definitions of issues, and both are often in flux.  So, for example, in a recent case in California, a court ruled a delusion is not a delusion if there is some factual basis for it, never mind how farfetched, or even if they are “irrational and false beliefs.”  

Mental health professionals will regard things as delusions even when there is a kernel of truth behind them (there often are).  It’s possible to make sweeping conclusions based on very little information. 

When I discuss “delusion,”- I don’t mean people who have lost the capacity to make a living trust or will or those subject to “undue influence.”  The individual may be otherwise smart, organized, and on top of things, yet believes things that appear divorced from reality.  

Delusions in Islamic Estate Planning

The Islamic Rules of Inheritance include a uniform system of inheritance. You don’t get to decide who receives an inheritance.  Your subjective belief of reality does not enter the equation. 

Often families have struggles.  Some unbelievable things have happened, and I usually don’t know if things people say are what happened.  I will say that your heirs in Islam are entitled to inheritance. Your delusions about your heirs are usually irrelevant.  That’s true for Muslims. 

If you are not Muslim, delusions can cause injustice.  Testamentary freedom, which is not an Islamic concept, gives you near-dictatorial power over the distribution of your wealth.  Dictators are known for having spectacular delusions.  In Islam, you don’t have this kind of power.  Inheritance is a function of worship and obedience to Allah.  

If you want to schedule a 15-minute mini-consultation with Islamic Estate Planning Attorney Ahmed Shaikh for Islamic Estate Planning, click here.  

Prophetic MENtality podcast on Zakat

May 10, 2023 By Ahmed Shaikh

I was invited to a podcast studio at the Institute of Knowledge (the views expressed are not theirs) on Zakat this Ramadan.  If you are interested in the subject of Zakat (the thing other than Islamic Inheritance) that I have written about extensively, this covered a lot of ground.  This is how the podcast hosts broke it down:

00:00 Intro

01:44 Disclaimer

02:13 Why write about Zakat?

08:33 Non-Profits handling of Zakat

11:52 Ahmed Shaikh’s attitude towards Zakat

16:50 Letter of the Law vs. Spirit of the Law

19:51 Why pay Zakat when you pay taxes

23:20 Why is Zakat limited

27:33 Number one concern for doners

31:25 Dangers of writing about Zakat

33:00 The UN is now collecting Zakat

 

Avoiding Family Fitna Masjid Video Presentation

May 1, 2023 By Ahmed Shaikh

 

A recent presentation on avoiding fitna at the Islamic Center of Claremont.  Please check it out and share it with your friends and family if you feel it is beneficial.

Asking Muslims to do Haram, for Money

February 26, 2023 By Ahmed Shaikh

 

Haram Rizq and Islamic Estate Planning

Some Reflections on Halal Rizq and Islamic Estate Planning

Jabir ibn Abdullah reported: The Messenger of Allah, peace and blessings be upon him, said, “O people, fear Allah and be graceful in seeking provision, for a soul will never die until it finishes its provision. If it is slow coming, fear Allah and be graceful in seeking provision. Take what is lawful and leave what is unlawful.” (source)

Early in my now decades old legal career I remember vividly a case I had of psychological injury.  You see, I was a lawyer for a company that slaughtered pigs.  They had an employee who did the actual slaughtering.  After years of doing this work, this man was haunted, day and night, by all the pigs he killed.  The long dead pigs would approach him at all hours, speak to him and confront him about the violence he perpetuated against them.

Now at this point, you may be wondering, what on earth does this have to do with Islamic Estate Planning, and why is a Muslim lawyer representing a pig slaughterer anyway?  Well, it does.  Lawyers must often think about ethics, and Muslim lawyers often must consider Islam in the work they do and how they earn their pay.  But lawyers, as a general matter do not think of themselves as much different than a plumber or an electrician in several important ways.  We usually don’t really care what clients do for a living unless it affects our work.  A plumber does not usually concern himself with how a customer earns his money, unless he is helping a customer do something illegal.

Please note, as a disclaimer, this is about how I drew my lines.  I think everyone else can draw their own lines on the way they earn a living and consult with knowledgeable and learned people they respect.  It’s not my intent to lay out principles that would be applicable to everyone, but I think they should be helpful as the perspective of an Islamic Estate Planning Attorney.

Why I turn down clients

Over the course of many years, here are a few reasons I have had to turn down clients (not an exhaustive list by any means, and not all because it’s haram to help):

  1. Muslim parents want to disinherit their Muslim daughter because she married a black man (who is Muslim).
  2. Man wants to use asset protection to launder bags of cash to hide it from ex-wife and men he evidently cheated to obtain said bags of cash, who are soon getting out of prison and may come after him.
  3. The client turns out to be a very public white nationalist media figure.

It’s Haram to Help Someone Do Something Haram

ۘ وَتَعَاوَنُوا۟ عَلَى ٱلْبِرِّ وَٱلتَّقْوَىٰ ۖ وَلَا تَعَاوَنُوا۟ عَلَى ٱلْإِثْمِ وَٱلْعُدْوَٰنِ ۚ وَٱتَّقُوا۟ ٱللَّهَ ۖ إِنَّ ٱللَّهَ شَدِيدُ ٱلْعِقَابِ

“[…]cooperate with one another in goodness and righteousness, and do not cooperate in sin and transgression. And be mindful of Allah. Surely Allah is severe in punishment.”

-Quran 5:2

I do a lot of asset protection work, both for Muslims and non-Muslims. Asset protection is one of those areas of law that can attract  people who want to both protect their family and wealth from lawsuits that they don’t know about yet.  Alternatively, shady characters may contemplate asset protection, and helping such people can implicate the lawyer in cheating and theft.  While clients often rely on Attorney-Client Privilege, so attorneys keep their clients’ secrets even to the point that they cannot testify, there is a “crime-fraud” exception.  Lawyers can and do get in trouble for helping their clients cheat and steal. They can go to jail.

For a lawyer, that’s an easy line to draw.  Don’t help someone steal. Stealing is haram.  Stealing is against the law.  Great we are clear.

What about Inheritance?

Where I won’t get in any legal trouble, is when a client asks me to do an estate plan that gives everything to a son and excludes a daughter for an unjust reason or gives equally to a daughter and son (which is pretty banal).  People have testamentary freedom and lawyers do these kinds of plans all day.

I will turn away Muslims who want to exclude or diminish the rights of heirs for the exact same reason I would turn down a client who wants my help laundering money: It’s haram to help someone so something haram.

Inheritance is ordained in Islam.  It is literally a God-given right.  In the context of the rules of Inheritance, the Quran is quite clear

وَمَن يَعْصِ ٱللَّهَ وَرَسُولَهُۥ وَيَتَعَدَّ حُدُودَهُۥ يُدْخِلْهُ نَارًا خَـٰلِدًۭا فِيهَا وَلَهُۥ عَذَابٌۭ مُّهِينٌۭ

But whoever disobeys Allah and His Messenger and exceeds their limits will be cast into Hell, to stay there forever. And they will suffer a humiliating punishment.

–Quran 4:14

It’s not a right for non-Muslims who have their own values that I am happy to put into a plan.  But if I help a Muslim deny a right Allah gave to a child, I am helping in that theft.  I don’t think helping steal future inheritance from a future orphan is any better than helping a criminal launder money.  Yes, one is perfectly legal and the other is not, but that is not my sole inquiry when it comes to my comfort about how I earn my rizq.

 

But Muslims Keep Asking Me to Do Haram things Anyway

I write and speak about Islamic Inheritance frequently.  It’s important to me,  Still I do get Muslims to call me because they don’t want to do Inheritance Islamically.  Some Muslims, even those that you might consider conventionally religious, go to the Masjid, fast in Ramadan and so forth, are offended by what the Quran says about Inheritance.

.   As the years have gone on and there is more education about Islamic Estate Planning, I have grown more offended by this over time.  It’s like a Muslim demanding another Muslim serve him whiskey.  If you want whiskey, have the decency to not demand it be served to you by another Muslim.

Other Muslims may have worked out difficult ethical issues about how they earn their rizq in ways that may not sit well with everyone.  Yet to them, it’s still vital to make sure inheritance is distributed the way ordained by Allah.  They don’t want their last act in this world, their parting shot, to be one of injustice against the orphans and others they leave behind.

To talk about Islamic Estate Planning in a 15-Minute mini-consultation with Ahmed Shaikh, click here.

 

Is sharing your wealth with your spouse a good idea?

December 27, 2022 By Ahmed Shaikh

The Financial Boundaries of Marital Partnership

The Wall Street Journal recently had an article about how spouses share or don’t share their finances. Not everyone does, but the report argues pooling resources helps families achieve “milestones” and is better overall. The couple who pool funds are not just spending their own money, they are spending their spouse’s money too, and there is “accountability” for making spending decisions that are not sensible.  

In the United States, about 23% of all couples keep their finances completely separate, while 43% don’t distinguish. The rest have some accounts together and some separately.  

Immersive Partnership and other ideas 

Your marriage may not be like your best friend’s marriage. Some view marriage as a social and family partnership but not a “partnership” about money. Others don’t view it as a social or family partnership or an economic partnership. A married couple may not live together and maintain separate sets of children, grandchildren, and social circles.  

Then there are the married couples, who see their union as an immersive Partnership that covers every social, family, and economic aspect of each partner’s life. Many people love that kind of marriage. Not everyone does, and that’s okay.  

Why Keep it Separate? 

First, there is the matter of personal autonomy. Maybe a husband does not want to explain to his wife, after a review of the credit card bill, that he splurged on a giant chocolate ice cream sundae on his way back from work two weeks ago. Perhaps the husband wants to share the same account because he wants to be accountable for where he eats and what he does with the money he and his wife earn.  

The second reason may be that you earned it. If a wife wants to buy jewelry with money she earned, send it to her family overseas or purchase real estate, she should be able to do it. In Islam, men must spend on their family’s benefit; women have no such obligation. I have seen some Muslim families that regard their earnings as jointly held while taking no ownership interest in money earned by their wives. Not all husbands interpret their obligation to provide for their family as the same as giving everything to their wives.  

Life Has Surprises

Third, not everyone gets married in their early 20s stays married to each other until old age, after which they pass in rapid succession. Marriages end, and it’s often in ways the husband and wife did not expect. A spouse may die early, the couple may divorce, and maybe they would have wanted something more nuanced than sawing everything in half. 

Fourth, it may keep people sharp when it comes to financial affairs. I have seen several situations where a widow or widower is completely lost regarding money and finances because the husband or wife handled that. Yes, both spouses can have kitchen table financial discussions, pay bills and make major financial decisions, but in an immersive partnership, one spouse tends to take the lead. The other may not have a clue as to what’s going on.  

Guard Against Elder Abuse

Lastly, an immersive marriage partnership can harm family relationships and even be abusive. Marriage is sometimes a vehicle for elder abuse, especially financial elder abuse. A typical scenario is when a widower re-marries. Adult children often suspect the new spouse of coming in for the money, which is sometimes wrong and unfair, but the suspicion is occasionally spot-on. Abusive late marriages are perhaps the biggest fitna I have had to deal with in the world of Estate Planning.  

Why Keep it together? 

There are also compelling reasons to keep finances together. Many couples start with nothing and build a family and life together. It’s expensive to purchase a home and pay for expenses. One partner may go through a financial setback, a layoff, or a failed business startup; the other can help through tough times.  

The married couple can view themselves and their efforts as a 50/50 partnership and organize their economic affairs virtually the same way unmarried business owners may do if they were a partnership.  

Islam does not regulate how spouses organize their finances. If the husband wants to buy his wife a Ferrari as a gift, nothing in Islam stops him. If he wants to hand over half his paycheck to his wife, and his wife wants to hand over half her paycheck to her husband, there is nothing wrong with that.  

You are separate economic units

For purposes of Islamic Inheritance, you need to be separate economic units. If spouses share, it’s no different from unmarried partners owning a business together.  

So say, for example, Aslam and Adil are 50/50 partners in a hardware store; Aslam’s heirs are entitled to shares of inheritance per the Islamic Rules of Inheritance for 50% of the value of the hardware store. If Aslam is married to Bilquis, Aslam’s heirs, including Bilquis, are entitled to inheritance per the Islamic Rules of Inheritance.  

Unless either Adil or Bilquis is Aslam’s only heir, under no circumstances should they get everything. 

Unfortunately, this happens. 

Understand the difference between “partnership” and “everything.”  

Unfortunately, one cultural marital expectation in the United States is that the surviving spouse gets everything. Getting everything is not a partnership. If like in the above example, Aslam dies, he has heirs who have rights in Islam. He may have parents, children, and a spouse, who all get their shares as ordained in the Islamic Rules of Inheritance.  

While Islam does not regulate how your Partnership works during life, so long as it is halal, Islam most definitely regulates how property is supposed to be distributed after death. 

Click here for a 15-minute mini-consultation over zoom with Ahmed Shaikh on the Islamic Estate Planning process. 

 

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