Three Health Care Documents You Need to Include in Your Estate Plan

Decisions about your health care are some of the most important you will ever make. Don’t put off making plans until you are unable to assert your wishes. Including health care documents in your estate plan can ensure your decisions are always your choice, even if you...
Power of Attorney – What is it and Is it Enough?

Power of Attorney – What is it and Is it Enough?

Power of attorney (POA) is a document that grants a specific person, called an agent, the authority to make important decisions on behalf of another person, called the principal. There are many different kinds of power of attorney. The scope of the authority the...

How These Common Assets Can Affect Your Financial Aid Eligibility

Financial aid is a valuable resource for students and their families. And sending a child off to college is one of life’s biggest (and often most expensive!) events. Unfortunately, certain assets may adversely affect student financial aid eligibility. That’s why...
When Is the Purchase of Long-Term Care Insurance Worth It?

When Is the Purchase of Long-Term Care Insurance Worth It?

Elder Care is emerging as a significant issue for many people as life spans continue to increase. It is nice to know that because of health care advances, we can expect to live longer, but there are no included guarantees on the quality of life in the later years....

Legal Strategies to Avoid Guardianship

As senior citizens continue to age, the likelihood increases that they will become physically or mentally incapacitated. Hopefully, people in such a situation have family members who step in and help keep their affairs in order. However, that is not always the case....

What Happens to an Indigent Person After Death?

There are so many people in our midst who are considered indigent. We see them on street corners, in parks, and where homeless people congregate. We may wonder how they get by from day to day. But do you ever wonder what happens when an indigent person dies? Cities,...

Are You Entitled to Unpaid Time Off Without Risking Your Job?

The Family and Medical Leave Act may provide unpaid time off due to the serious health condition of an employee or an employee’s immediate family member. However, only certain employers, known as covered employers, are required to comply with this law. Additionally,...
Planning for What Happens Last

Planning for What Happens Last

Seth Godin is a well-known and oft-quoted American entrepreneur who has authored 13 best sellers that have been translated into 33 languages. Recently, he wrote a post on his blog at SethGodin.com that is a must-read for everyone. I am reprinting it here in its...

The Conversation You Must Have With Your Kids and Your Parents

Every single adult needs to have an advance health care directive written, signed and in place. This includes your children, as soon as they turn 18. This includes you. This includes your parents. Without an advance health care directive in place, you would not be...

How Long-Term Care Planning Can Protect You From Medicaid Divorce

Currently, it is estimated that 7 in 10 Americans will need some type of long-term care, with Medicaid expected to pay for two-thirds of those long-term care services. A recent Huffington Post article entitled, Is Divorce the Best Option for Older Americans? examined...

Signing Up for Medicare

People who are nearing the age of 65 should be making plans for the transition from private health care to Medicare. It is not a simple process or one that happens automatically. You have to initiate the enrollment process at a specific time or suffer a monetary...
How to Reduce the Cost of Long-Term Care Insurance

How to Reduce the Cost of Long-Term Care Insurance

A person who turns 65 today has a 70% chance of needing some type of long-term care at some time in their remaining years, according to the U.S. Department of Health and Human Services. On average, women will need 3.7 years of long-term care and men will need 2.2...
Steps after Dementia Diagnosis

Steps after Dementia Diagnosis

Legal Steps to Take When Facing a Dementia Diagnosis Maria Shriver knows the devastation of Alzheimer’s disease firsthand.  Her beloved father Sargent Shriver, founder of the Peace Corps and one-time candidate for Vice President of the United States, died of the...