tag:blogger.com,1999:blog-42642273968742944002024-02-19T11:45:20.669-05:00Hall & Hall Boomers and Seniors Elder Law BlogAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comBlogger50125tag:blogger.com,1999:blog-4264227396874294400.post-14287701195295279212016-12-06T11:20:00.000-05:002016-12-06T11:20:20.380-05:00How Does Someone Qualify Medically for Medicaid to Pay for Long-Term Care?
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<span style="font-family: "Times New Roman",serif; font-size: 12pt;">Medicaid will pay
for skilled nursing home care only if it is medically necessary and the person
is otherwise qualified and meets the financial eligibility requirements. Unless
a nursing home stay is expected to last less than 30 days, a pre-admission
screening is required to determine if an individual living outside of a nursing
facility meets the level of care for Medicaid payment of long-term care
services. No screening is required for individuals who have lived in a nursing
home for longer than 30 days. Individuals who do not live in a nursing facility
and wish to enroll in Medicaid must be screened and approved before Medicaid
will authorize payment (assuming the individual meets the financial and other
eligibility requirements). The Department of Social Services will send a
representative to meet with and evaluate the individual, and this evaluation
will typically be conducted by a nurse or social worker.<o:p></o:p></span></div>
<span style="font-family: "Times New Roman",serif; font-size: 12pt;"><o:p> </o:p></span><br />
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<span style="font-family: "Times New Roman",serif; font-size: 12pt;">Virginia uses a
form called the Virginia Uniform Assessment Instrument to determine if an
individual medically needs skilled nursing home care. To qualify medically, the
individual must have a physical or mental condition that requires services,
such as nursing supervision and dependence in at least two activities of daily
living (such as bathing, dressing, toileting, transferring, and feeding). The
screener will determine how much assistance the person typically needs to
complete those activities. The assessment team will also assess the
individual’s mental orientation and behavior, mobility, joint motion, and
ability to self-administer medications. When an individual is going through a
medical needs assessment, it is important for a family member or advocate to
inform the team of all the things with which the person needs help. If the
pre-admission screening team determines that the person is not functionally or
medically in need of long-term care services, the decision can be appealed to
the Department of Medical Assistance Services (“DMAS”) in Virginia.<o:p></o:p></span></div>
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Written by Heather W. WinterAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-58661708251058782492016-11-30T12:58:00.001-05:002016-11-30T12:58:11.875-05:00Will Medicare Pay for Care in a Rehabilitation Facility?
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Medicare will pay for skilled nursing care in a
skilled nursing facility if a senior has a qualifying hospital stay and the
patient needs the services of professional personnel. A qualifying hospital
stay is one where the senior was admitted as an inpatient to the hospital for 3
consecutive days or more. Make sure that the senior isn’t admitted for
“observation” only and was actually admitted to the hospital as an inpatient. For
a period of time in the skilled nursing facility, Medicare will cover a
semi-private room, meals, skilled nursing care, medical social services,
medications, medical supplies and equipment and other services such as physical
therapy, occupational therapy, or speech-language pathology if those services
are needed to meet the patient’s health goal. Medicare will pay the full cost
of the skilled nursing facility for only the first 20 days. Medicare will pay
all but the daily coinsurance for days 21-100 and the patient would need to
cover up to $157.50 per day for the care. Medicare will not pay for anything
beyond 100 days in the benefit period. It is important to know a senior’s
rights to care. Medicare will continue to cover the skilled nursing care if the
care is necessary to help improve a senior’s condition or to maintain their
condition and prevent or delay it from getting worse. The patient does not
necessarily have to keep making improvements for Medicare to continue coverage.
If the care will keep the patient from slipping, the senior has Medicare
coverage for the first 100 days in the benefit period.<o:p></o:p></span><br />
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Written by Heather W. Winter, EsquireAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-35749645825657743512016-11-01T15:47:00.002-04:002016-11-01T15:47:26.034-04:00What Are Some Legal Considerations Senior Couples Should Think About Before Marrying?
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">As people live longer,
multiple marriages are more common and proper elder law planning is important.
Couples who marry should consider the legal implications of marriage at any
age, but especially later in life marriages. Marriage creates certain rights and
obligations and it is important to understand those rights and obligations. It
is important to understand that married couples owe each other certain duties,
such as the duty to support one another. If one spouse has medical issues and
incurs high hospital expenses, the other spouse’s income and assets may be used
to pay for them.<o:p></o:p></span><br />
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<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Senior
couples may want to consider entering into a prenuptial agreement. Seniors may
have assets to protect, children from prior marriages whom they’d like to
provide for, and other concerns that can be addressed in a prenuptial
agreement. The prenuptial agreement can address spousal support, division of
debts and property, inheritance rights, and other issues. However, if one
spouse needed to qualify for Medicaid to provide long-term institutionalized
care, all assets of both spouses are considered available for the care of
either and Medicaid will ignore the provisions of the prenuptial agreement. <o:p></o:p></span></div>
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<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Finally,
after the wedding, the senior couple should ensure that their estate planning
documents are updated, including any wills, trusts, durable powers of attorney,
and advance medical directives, to make sure the documents reflect his or her
wishes and any new decisions he or she has made.<o:p></o:p></span></div>
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Written by Heather W. Winter, EsquireAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-2593529614461646432016-10-20T10:48:00.005-04:002016-10-20T10:51:59.040-04:00What are ABLE Accounts?<span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 107%;">ABLE stands for Achieving a Better Life Experience and the ABLE Act was
signed into federal law at the end of 2014. The ABLE Act creates tax-advantaged
ABLE Accounts which are financial accounts for certain disabled individuals to
use on disability-related expenses. Family members, friends, the disabled
individual, or anyone else may make contributions to the disabled person’s ABLE
Account. The ABLE Act recognizes that people with disabilities have extra costs
that public benefit programs such as SSI, SNAP, or Medicaid cannot always meet.
The significance of these accounts is that the funds in the account generally
are not considered for SSI, Medicaid, and certain other federal means-tested
benefits and the funds help the disabled person finance a more independent
life. Virginia has enacted the ABLE bill which authorizes the Virginia College
Savings Plan (Virginia529) to create and implement these types of accounts.
Virginia529 is currently working to get the program ready. To learn more
information about the features of these accounts and to check for any updates
on Virginia ABLE Accounts, head to <u>Virginia529.com</u>.</span><br />
<span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 107%;"></span><br />
<span style="font-family: "times new roman" , serif; font-size: 12pt; line-height: 107%;">Written by Heather W. Winter, Esquire</span>Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-41085340281501611682016-10-10T13:32:00.002-04:002016-10-10T13:32:40.360-04:00There is a New Rule Making It Easier to Sue Nursing Homes<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">The Centers for Medicare and Medicaid Services recently announced a new
rule that preserves the rights of patients and families to sue long-term care
facilities in court for claims such as elder abuse, sexual harassment and
wrongful death. The rule bans any long-term care facility, including nursing
homes, that receives federal funding from requiring its residents to sign
forced arbitration contracts to resolve disputes through arbitration instead of
the court system. The parties may enter into an arbitration agreement after a
dispute arises, but not before. The rule promises to help deliver safety
measures for residents. Requiring patients and families to use the private arbitration
system for claims reduces legal costs for facilities, but may block patients
and families from getting the justice that they seek. The Administrator for the
Centers for Medicare and Medicaid Services announced that the rules “are a
major step forward to improve the care and safety of the nearly 1.5 million
residents in the more than 15,000 long-term care facilities that participate in
the Medicare and Medicaid programs.” The rule is scheduled to go into effect November
28, 2016 for facilities that participate in the Medicare and Medicaid programs.</span><br />
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"></span><br />
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-ansi-language: EN-US; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Written by Heather W. Winter, Esquire</span>Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-65100944928931667652016-09-28T09:15:00.002-04:002016-09-28T09:15:03.080-04:00How Do I Provide for My Special Needs Child?
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<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">For parents who have a special needs child, it is so
important to have an appropriate and well thought out estate plan in place. Parents
may worry about planning for their child’s future and want to ensure that their
child is cared for throughout the rest of his or her life, even when the parent
has passed. Having an estate plan in place will give parents peace of mind
about their child’s future. If a child receives government benefits such as
Medicaid or Supplemental Security Income (SSI), inheriting money directly can
cause problems with maintaining eligibility. Families have some options with
their estate plan, protecting their child’s eligibility to receive government
benefits.<o:p></o:p></span></div>
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"></span><br />
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Government
benefits generally provide only basic support and parents may want to provide
their child with some extra support. In order to provide their child with extra
support while keeping their child eligible for government benefits, some
parents may want to establish a special needs or supplemental needs trust for
the benefit of their child, which can be funded during the parent’s lifetime or
at their death. If properly drafted, this type of trust will not jeopardize
eligibility for government benefits and can provide the child with an enhanced
quality of life by having the trustee pay for extra things. Parents may also
want to consider joining a pooled special needs trust, where the funds of each
beneficiary of the trust are placed in an individual account and the assets
from all of the individual accounts are “pooled” together and invested and
managed by a trust company. A pooled trust is managed by a non-profit
organization and with this type of arrangement, families do not have to find a
trustee who is willing and capable to manage the trust for their child, unlike
the special needs or supplemental needs trust.<o:p></o:p></span><br />
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"></span><br />
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Parents
should discuss the future with family members and friends and have a plan in
place for their child’s future care, when mom, dad, a sibling or other family
member is no longer available or able to care for the special needs child.
Parents also need to take care of their own future, and have a Will, power of
attorney, and advance medical directive for themselves. Planning for the future
may seem overwhelming, but having a good plan in place can provide peace of
mind.<o:p></o:p></span><br />
<br />
Written by Heather W. Winter, EsquireAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-17124986268218279252016-09-16T10:26:00.002-04:002016-09-16T10:26:30.749-04:00Could Mom or Dad Qualify for VA Pension Benefits?
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">It is possible to receive various need-based pension
benefits from the Department of Veterans Affairs (VA) and it could be a good
idea to explore these benefit options fully if you think mom or dad may be
eligible. </span><!--[if supportFields]><span lang=EN-CA style='font-size:12.0pt;
line-height:107%;font-family:"Times New Roman",serif;mso-ansi-language:EN-CA'><span
style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>SEQ CHAPTER \h \r 1</span><![endif]--><!--[if supportFields]><span
lang=EN-CA style='font-size:12.0pt;line-height:107%;font-family:"Times New Roman",serif;
mso-ansi-language:EN-CA'><span style='mso-element:field-end'></span></span><![endif]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">A
qualified Veteran (together with any spouse) or a surviving spouse who has low
income and few assets can apply for non-service connected disability VA Pension
benefits. The VA pension program provides monthly benefit payments to certain
wartime Veterans who demonstrate financial need, and their survivors. The VA
offers both a Veterans Pension and a Survivors Pension, which are tax-free
monetary benefits payable to low-income wartime Veterans or low-income
surviving spouses and/or unmarried children of a deceased Veteran who served
during wartime. To be an eligible wartime Veteran, the service member must be
discharged under other than dishonorable conditions and served 90 days or more
of active military service with at least 1 day during a period of war (with
different requirements for those Veterans who entered active duty after
September 7, 1980).<o:p></o:p></span><br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">There
are three different levels of VA Pension that a Veteran and survivor may be
eligible to receive. The first is the <b style="mso-bidi-font-weight: normal;">Veterans
Pension</b>, which provides supplemental income and is a needs-based program
for low-income Veterans and survivors. The second pension available is the <b style="mso-bidi-font-weight: normal;">Housebound Pension</b>, which provides an increased
monthly pension amount when a Veteran or survivor is housebound as defined by
the VA and certified by their doctor. The third pension available, and one that
may be the most familiar, is the <b style="mso-bidi-font-weight: normal;">Aid
& Attendance Pension</b>. The Aid & Attendance pension increases the
monthly pension if the applicant needs help with at least 2-3 activities of
daily living and would normally require a protected environment, and certified
by their doctor.</span></div>
<span lang="EN-CA" style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-ansi-language: EN-CA;">The VA Pension is a great program to explore, however, it is important
to recognize that </span><!--[if supportFields]><span lang=EN-CA
style='font-size:12.0pt;line-height:107%;font-family:"Times New Roman",serif;
mso-ansi-language:EN-CA'><span style='mso-element:field-begin'></span><span
style='mso-spacerun:yes'> </span>SEQ CHAPTER \h \r 1</span><![endif]--><!--[if supportFields]><span
lang=EN-CA style='font-size:12.0pt;line-height:107%;font-family:"Times New Roman",serif;
mso-ansi-language:EN-CA'><span style='mso-element:field-end'></span></span><![endif]--><span lang="EN-CA" style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-ansi-language: EN-CA;">a</span><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">s far as VA benefits are concerned, the
law is complex and currently is unsettled due to changes that have been
proposed by the regulators and could change at any time.<o:p></o:p></span><br />
<br />
Written by Heather W. Winter, EsquireAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-14118950234418362292016-09-08T09:55:00.000-04:002016-09-08T09:55:45.012-04:00Welcome Back to School!
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<div class="MsoNormal" style="margin: 0in 0in 8pt; text-indent: 0.5in;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">It’s that time of year
again when the kids go back to school or even start a new school. While the
kids may have been nervous and sad that summer is over, hopefully they were
excited to start school and see their friends and make new friends. We hope
that everyone had a safe and enjoyable first day back to school!<o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-91011576619242706512016-08-29T13:23:00.003-04:002016-08-29T13:23:35.348-04:00What is adult day care and what services are available?
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<div class="MsoNormal" style="margin: 0in 0in 8pt; text-indent: 0.5in;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Adult Day Care Centers
are intended to provide care and companionship for adults who need assistance
or supervision. These programs provide caregivers and family members a
temporary rest from caregiving, while the senior adult receives care in a safe
environment. The senior adult benefits from staying in the community, structure
to his or her daily activities, and social interaction. Placing the senior
adult in a day care center allows the caregiver or family member to go to work,
run errands, or just relax while their loved one is safe.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="mso-tab-count: 1;"> </span>Generally,
there are two different types of Adult Day Care Centers: adult social day care
and adult day health care. Adult social day care provides a social outlet for
the senior and offers activities, meals, recreation, and some health-related
services. Social activities can include crafts, cooking, exercise, field trips,
and games. Adult day health care offers intensive health, therapeutic, and
social services for adults who otherwise may need institutionalized care. Adult
day care services can also include counseling, education, physical therapy,
medication management, assistance with eating, toileting, and/or walking, and
transportation services.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="mso-tab-count: 1;"> </span>The
cost of day care services vary depending on location, the services offered, and
other factors. However, adult day care services are often less expensive than
hiring a home health nurse or placing the senior in a facility and day care could
be a good option for families to consider. To explore Adult Day Care Centers in
Virginia, the Virginia Department of Social Services maintains an online search
database that can be found here:<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="mso-spacerun: yes;"> </span></span><a href="http://www.dss.virginia.gov/facility/search/adc.cgi"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="color: #0563c1;">http://www.dss.virginia.gov/facility/search/adc.cgi</span></span></a><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"> <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="mso-spacerun: yes;"></span></span> </div>
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="mso-spacerun: yes;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="font-family: Calibri;"><span style="font-size: 12pt; line-height: 107%;"><span style="mso-spacerun: yes;">Written by Heather W. Winter, Esquire</span></span></span></span></span><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-83348529722715258032016-08-18T10:02:00.001-04:002016-08-18T10:02:40.089-04:00What should I do after a loved one has passed away?
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">When a loved one passes away, it is an emotional and
difficult time. The last thing someone wants to think about are the practical
steps that need to be taken care of during this time of grieving. Some practical
steps family members and/or friends may want to take during this time include:<o:p></o:p></span></div>
<ol>
<li>
<b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Request copies of the death
certificate</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"> through the funeral home, mortuary or the
state’s vital records office.</span></li>
</ol>
<div class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">2.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Locate important papers</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">,
such as the decedent’s legal documents, financial records and information.</span><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><o:p> </o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">3.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Notify</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">
any bank or credit unions where the decedent did business, any brokerage firms,
and life insurance companies where the decedent maintained life insurance. Find
out whether these assets had named beneficiaries or were payable on death.</span><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><o:p> </o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">4.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Notify</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">
Social Security Administration, Department of Veteran’s Affairs (if the
deceased was a veteran), Medicare/Medicaid (if applicable) and similar
agencies.<o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpMiddle" style="margin: 0in 0in 0pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">5.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Start the probate process</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">,
if probate is necessary to administer the estate. <o:p></o:p></span></div>
<br />
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<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">6.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">The personal representative should collect
the decedent’s assets</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"> that are part of the probate estate and
follow the state’s laws of administration of the estate.</span><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><o:p> </o:p></span></div>
<br />
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<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">7.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Safeguard</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">
the decedent’s home and vehicle(s) and protect valuables, including checking on
insurance coverage for the estate or heirs for any real estate, vehicle(s) and
specifically insured items.</span><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><o:p> </o:p></span></div>
<br />
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<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">8.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Forward the decedent’s mail</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">
at the post office.<o:p></o:p></span></div>
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><o:p> </o:p></span><br />
<div class="MsoListParagraphCxSpLast" style="margin: 0in 0in 8pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<!--[if !supportLists]--><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">9.<span style="font-size-adjust: none; font-stretch: normal; font: 7pt/normal "Times New Roman";"> </span></span></span><!--[endif]--><b style="mso-bidi-font-weight: normal;"><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;">Cancel utilities</span></b><span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"> <b style="mso-bidi-font-weight: normal;">and other services </b>when appropriate and
request final bills.</span></div>
<div class="MsoListParagraphCxSpLast" style="margin: 0in 0in 8pt 0.5in; mso-list: l0 level1 lfo1; text-indent: -0.25in;">
<span style="font-family: "Times New Roman",serif; font-size: 12pt; line-height: 107%;"><span style="font-family: Calibri;"><span style="font-size: 12pt; line-height: 107%;"><span style="mso-spacerun: yes;">Written by Heather W. Winter, Esquire</span></span></span><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-9555568067623214272015-09-21T11:43:00.002-04:002015-09-21T11:43:33.836-04:00World Alzheimer's Day
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-size: 12pt; line-height: 107%;"><span style="font-family: Calibri;">Today,
September 21<sup>st</sup>, is World Alzheimer’s Day, which aims to raise
awareness about the disease that afflicts 47 million people worldwide.
Alzheimer’s disease is the most common form of dementia, a group of disorders
that impair mental functioning severely enough to interfere with daily life. In
the United States, someone develops Alzheimer’s disease every 67 seconds and
the disease is the sixth leading cause of death.<o:p></o:p></span></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;"><span style="color: #7030a0; font-size: 12pt; line-height: 107%;">Purple
</span><span style="font-size: 12pt; line-height: 107%;">is the official color of
the Alzheimer’s movement and we hope you’re wearing purple in support of the
movement. There are many different ways to show your support and help those
affected by it, such as joining the Alzheimer’s prevention registry,
volunteering your time, or thanking a caregiver. More information about
Alzheimer’s can be found at alz.org.<span style="mso-spacerun: yes;"> </span></span></span></div>
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;"><span style="font-size: 12pt; line-height: 107%;"><span style="mso-spacerun: yes;"></span></span></span> </div>
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;"><span style="font-size: 12pt; line-height: 107%;"><span style="mso-spacerun: yes;">Written by Heather W. Winter, Esquire</span></span></span></div>
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-44556842012556582692015-08-03T17:35:00.004-04:002015-08-03T17:35:46.993-04:00I Am My Mom’s Agent under a Power of Attorney. What are my Responsibilities?<!--[if gte mso 9]><xml>
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<span style="font-size: 12.0pt; line-height: 107%;">It is
important to remember that even though mom named you, her child, as her agent
under a financial power of attorney, mom is still able to act for herself. The
power of attorney does not take away mom’s ability to take care of her own
financial matters. Mom can choose the powers that her agent will have under the
document. When you act as agent under a financial power of attorney in Virginia,
the agent has four basic responsibilities. The basic responsibilities include
the following:</span></div>
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<br /></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">1.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%;">You must act in mom’s best interest</span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">2.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%;">You must manage mom’s money and
property with care</span></div>
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<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">3.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%;">You must keep mom’s money and
property completely separate from your own</span></div>
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<span style="font-size: 12.0pt; line-height: 107%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;"><span style="mso-list: Ignore;">4.<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-size: 12.0pt; line-height: 107%;">You must keep good records of all
transactions</span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 107%;">The agent is
managing money or property for mom and you’re supposed to enter into all
transactions for mom’s benefit, not for your own benefit. You must also be
honest and act in good faith. You should carefully read the power of attorney
and only do what the document allows you to do. You are under a duty to follow
mom’s instructions and wishes. </span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 107%;">Further, it is
important that you keep mom’s assets separate from your own. This means that
all of mom’s expenses should be paid from her own funds, and not from your own checking
account to be reimbursed by mom later. You should keep a detailed list of
everything that you receive or spend as agent and additionally keep all
receipts and a copy of all financial statements. If mom requests one, you must
give mom an accounting of all of the actions you have taken as agent. Acting as
agent under a financial power of attorney comes with a lot of responsibility
and the agent should know their obligations to avoid any legal problems.</span></div>
<br />
Written by Heather W. Winter, Esquire Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-41089917156698923862015-06-30T16:10:00.001-04:002015-06-30T16:10:25.294-04:00Can I Reduce My Chances of Developing Dementia? New research published in Alzheimer’s & Dementia: The Journal of
the Alzheimer’s Association indicates that people may be able to reduce
their chances of cognitive decline with lifestyle changes. Of course,
the risk of some cognitive problems is due to genetic factors, but there
is also evidence that various lifestyle factors can help keep your
brain healthy. Here are some tips from the Alzheimer’s Association that
may reduce your risk of cognitive decline:<br />
<br />
1. Exercise Regularly.
Exercising raises your heart rate and increases blood flow to the brain
and body. Consider joining a gym, jogging in your neighborhood, or
increasing movement by routine activities like gardening, cleaning, and
laundry. Also try parking your car further away in the parking lot while
running errands.<br />
<br />
<br />
2. Keep Your Mind Active. Education
helps reduce your risk of cognitive decline and dementia. Stimulate your
mind with activities such as puzzles, word games, memory training,
reading, or learning something new.<br />
<br />
<br />
3. Eat Healthy Foods.
Eating a healthy diet that is lower in fat and higher in fruits and
vegetables can help reduce cognitive decline. Consider following a
Mediterranean diet for meals that are full of whole grains, fresh
produce, fish, and nuts.<br />
<br />
<br />
4. Stay Social. Being socially
engaged may help your brain health. Studies have shown that the more
social we are, the better we perform on memory and cognition tests. Ways
to keep an active social life are through volunteering, joining a club
or social group, reaching out to neighbors, and getting out in the
community.<br />
<br />
<br />
5. Manage Stress Levels. Severe or chronic
stress has a negative effect on the brain, and simple tools can minimize
these harmful effects. Try doing breathing exercises, prioritizing
relaxation, meditating, or practicing yoga to mitigate the damaging
effects of stress.<br />
<br />
<br />
6. Quality Sleep. Not getting enough
sleep can impair your ability to think, problem-solve, and process,
store and recall information. Try getting 8 hours of sleep per night by
establishing a regular sleeping schedule, creating a relaxing bedtime
ritual, and minimizing light and noise before bedtime.<br />
<br />
Written by Heather W. Winter, Esquire Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-73800642669469974512015-06-22T09:00:00.000-04:002015-06-22T09:00:03.167-04:00How Do I Pay for Long Term Care?The United States Census Bureau estimates that between 2012 and 2050,
the United States will experience considerable growth in its older
population. The population aged 65 and older is expected to grow to be
83.7 million people, almost double its estimated population of 43.1
million people in 2012. Americans are living longer and often suffering
from debilitating conditions, such as dementia and Alzheimer’s disease.
Due to the age and health of our nation, Americans are needing long term
care more than ever before. Long term care is expensive and can cause a
family to drain all of their assets, creating problems for financial
security. The average cost of a skilled nursing facility in central
Virginia is $88,480 annually, according to Genworth. <br />
<br />
How do people pay for their care? There are essentially five ways to pay the cost of long term care. <br />
<br />
1.
PRIVATE PAY. Private pay means paying for the cost of a nursing home or
assisted living facility or for other needed care out-of-pocket. Many
people use this method, often relying on personal savings, pensions or
other retirement funds, or income from stocks and bonds. <br />
<br />
2. LONG
TERM CARE INSURANCE. Long term care insurance pays for many types of
long term care. The extent of coverage depends on the type of policy
purchased and what services are covered. If you have long term care
insurance, it is a good idea to check the terms of the policy and the
limits on how long or how much the policy will pay. There are also other
products available that combine long term care insurance with life
insurance. <br />
<br />
3. MEDICAID. Medicaid is a joint federal and state
program that helps with the cost of nursing home care for some people
with limited income and resources who need help with some activities of
daily living, like bathing, toileting, or feeding. There are proper ways
to preserve assets and qualify for Medicaid. <br />
<br />
4. MEDICARE.
Medicare is a federal health insurance program for people who are 65 or
older or certain other people with disabilities. Medicare will cover
skilled nursing facility care for the first 20 days. Medicare may pay
for skilled nursing care for an additional 80 days with a costly
coinsurance fee, and Medicare will not pay for skilled nursing care
beyond 100 days. Medicare will not pay for custodial care in a nursing
home. Skilled care is health care given when a patient needs skilled
nursing or therapy staff to treat, manage, observe, and evaluate their
care. <br />
<br />
5. VETERANS BENEFITS. Veterans Aid and Attendance benefits
may be available to offset the costs of long term care for wartime
veterans or their surviving spouses who meet certain financial criteria.
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-20978816222136318272015-06-11T11:22:00.002-04:002015-06-11T11:22:58.913-04:00What is probate?<!--[if gte mso 9]><xml>
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<![endif]-->Probate is the legal procedure
to administer and distribute an estate through a court-supervised process. The
estate includes the deceased person’s property, including real estate, personal
property and any other assets owned or controlled by the person who passed at
the time of his or her death. Probate in Virginia typically includes recording
the Will in the circuit court and having an Executor appointed to manage and
distribute the estate according to the provisions in the Will. Probate also
includes the administration of an intestate estate where the person who died
did not have a Will and an Administrator is appointed by the Court. Sometimes,
the probate process could include recording the Will without the appointment of
a personal representative.<br />
<br />
The Commissioner of Accounts is the
person appointed by the Court to supervise the process of administering and
distributing the assets of an estate in Virginia. The person administering the
estate takes control of the decedent’s assets, pays the debts of the estate,
reports to the court through the Commissioner of Accounts of the actions taken,
and distributes the remaining assets according to the Will or intestate
succession.
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-59906374619743930042015-06-01T09:32:00.002-04:002015-06-01T09:32:41.988-04:00What are the Duties of an Agent under an Advance Medical Directive?
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">When a person names an agent under an Advance Medical
Directive it is important that they discuss their religious values, beliefs or
preferences related to their medical care with their agent. Remember that an
agent only has authority to act on behalf of a patient when it is determined
that the patient is incapable of making an informed decision. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">When an agent acts on behalf of the patient, the agent has
the duty to base the agent’s decisions on the beliefs, values, and preferences
of the patient, to the extent possible. That’s why having that conversation
with the agent prior to your incapacity is beneficial. If the beliefs, values
and preferences of the patient are unknown, the agent has the duty to make a
decision in the patient’s best interests. <o:p></o:p></span></div>
<br />
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<span style="font-family: Calibri;">The agent has the responsibility to determine the risks and
benefits of and any alternatives to any proposed health care. Furthermore, the
agent cannot refuse or fail to honor the person’s wishes for anatomical gifts
or organ, tissue or eye donation. Having the conversation with your agent about
your religious values, beliefs or preferences is difficult, but knowing that
your agent will act upon your preferences when you can’t act for itself will
make the conversation worth it.<o:p></o:p></span></div>
<br />
Written by Heather W. Winter, EsquireAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-14886417193072030442015-05-13T08:53:00.000-04:002015-05-13T08:53:46.620-04:00How Do I Use a Power of Attorney for Mom or Dad?
<br />
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<span style="font-family: Calibri;">You or your parent should give a notarized copy of the power
of attorney to each bank or financial institution where mom or dad wants you to
have authority. It is possible that if mom or dad wants you to have access to
their accounts, the bank or financial institution may require them to sign
their own authorization form and a signature card for you as their agent.
Checking with the banks and financial institutions about their requirements before
mom or dad’s health declines will help to avoid future difficulty in using the
power of attorney.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">When you sign as an agent on your parent’s behalf, it should
always be clear that you are signing as the agent. The signature should look
similar to this:<o:p></o:p></span></div>
<br />
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">__________ (Your parent’s name) by __________(Agent's name),
agent for _________(Your parent’s name). <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">This signature or something similar indicating you are
acting as an agent is preferable because it will be clear that you are signing
on your parent’s behalf only and you will not be liable for the transaction.</span></div>
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;"></span> </div>
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Written by Heather W. Winter, Esquire </span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<o:p><span style="font-family: Calibri;"></span></o:p> </div>
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-5293110550198701562015-05-06T08:38:00.000-04:002015-05-06T08:38:49.868-04:00Caring for Mom & Dad<!--[if gte mso 9]><xml>
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<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Bullet 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Number 5"/>
<w:LsdException Locked="false" Priority="10" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Closing"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Signature"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="true"
UnhideWhenUsed="true" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="List Continue 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Message Header"/>
<w:LsdException Locked="false" Priority="11" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Salutation"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Date"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text First Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Note Heading"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Body Text Indent 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Block Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Hyperlink"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="FollowedHyperlink"/>
<w:LsdException Locked="false" Priority="22" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Document Map"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Plain Text"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="E-mail Signature"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Top of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Bottom of Form"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal (Web)"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Acronym"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Address"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Cite"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Code"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Definition"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Keyboard"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Preformatted"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Sample"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Typewriter"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="HTML Variable"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Normal Table"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="annotation subject"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="No List"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Outline List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Simple 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Classic 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Colorful 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Columns 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Grid 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 4"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 5"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 6"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 7"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table List 8"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table 3D effects 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Contemporary"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Elegant"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Professional"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Subtle 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 1"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 2"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Web 3"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Balloon Text"/>
<w:LsdException Locked="false" Priority="39" Name="Table Grid"/>
<w:LsdException Locked="false" SemiHidden="true" UnhideWhenUsed="true"
Name="Table Theme"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" SemiHidden="true" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" QFormat="true"
Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" QFormat="true"
Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" QFormat="true"
Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" QFormat="true"
Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" QFormat="true"
Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" QFormat="true"
Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" SemiHidden="true"
UnhideWhenUsed="true" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" SemiHidden="true"
UnhideWhenUsed="true" QFormat="true" Name="TOC Heading"/>
<w:LsdException Locked="false" Priority="41" Name="Plain Table 1"/>
<w:LsdException Locked="false" Priority="42" Name="Plain Table 2"/>
<w:LsdException Locked="false" Priority="43" Name="Plain Table 3"/>
<w:LsdException Locked="false" Priority="44" Name="Plain Table 4"/>
<w:LsdException Locked="false" Priority="45" Name="Plain Table 5"/>
<w:LsdException Locked="false" Priority="40" Name="Grid Table Light"/>
<w:LsdException Locked="false" Priority="46" Name="Grid Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="Grid Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="Grid Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 1"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 1"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 1"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 1"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 1"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 1"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 2"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 2"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 2"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 2"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 2"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 2"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 3"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 3"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 3"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 3"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 3"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 3"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 4"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 4"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 4"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 4"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 4"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 4"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 5"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 5"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 5"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 5"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 5"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 5"/>
<w:LsdException Locked="false" Priority="46"
Name="Grid Table 1 Light Accent 6"/>
<w:LsdException Locked="false" Priority="47" Name="Grid Table 2 Accent 6"/>
<w:LsdException Locked="false" Priority="48" Name="Grid Table 3 Accent 6"/>
<w:LsdException Locked="false" Priority="49" Name="Grid Table 4 Accent 6"/>
<w:LsdException Locked="false" Priority="50" Name="Grid Table 5 Dark Accent 6"/>
<w:LsdException Locked="false" Priority="51"
Name="Grid Table 6 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="52"
Name="Grid Table 7 Colorful Accent 6"/>
<w:LsdException Locked="false" Priority="46" Name="List Table 1 Light"/>
<w:LsdException Locked="false" Priority="47" Name="List Table 2"/>
<w:LsdException Locked="false" Priority="48" Name="List Table 3"/>
<w:LsdException Locked="false" Priority="49" Name="List Table 4"/>
<w:LsdException Locked="false" Priority="50" Name="List Table 5 Dark"/>
<w:LsdException Locked="false" Priority="51" Name="List Table 6 Colorful"/>
<w:LsdException Locked="false" Priority="52" Name="List Table 7 Colorful"/>
<w:LsdException Locked="false" Priority="46"
Name="List Table 1 Light Accent 1"/>
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Americans are living much longer lives and considerable
growth is expected in the older population (aged 65 years and older). In 2012,
the estimated population of older people was 43.1 million. The population aged
65 years and over is projected to almost double by 2050 to 83.7 million people.
As Americans age, many older people will need assistance with activities of
daily living such as bathing, dressing, eating, toileting and/or medical tasks.
Today, family members are providing much of the care for their parents. This
Thursday, May 7, 2015, PBS is airing a new hour-long documentary called “Caring
for Mom & Dad,” narrated by Meryl Streep. The documentary explores the
emotional, health and financial challenges that many caretakers experience on a
daily basis. The special follows eight families as they struggle with these
issues and offers solutions and tips to other families who may experience
caregiving in their future. Check your local listings to see when PBS will be
airing the documentary in your location. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Written by Heather W. Winter, Esquire </div>
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-63102159604870579992015-04-29T11:16:00.001-04:002015-04-29T11:16:01.335-04:00Who Should I Select As My Agent(s) for Powers of Attorney?
<br />
<div style="background: white;">
<span style="color: black; font-family: "Calibri",sans-serif;">You should select a competent person over the age of eighteen as
your agent. It is important that you trust the person you appoint because of
the powers you are giving to them. Your agent may be your
spouse, child, sibling, or close friend. It is a good idea to name
multiple agents in case one of the agents is unable or unwilling to act on your
behalf. The agents you name can act in succession or make decisions jointly if
you think they are capable of reaching an agreement.<o:p></o:p></span></div>
<br />
<div style="background: white;">
<span style="color: black; font-family: "Calibri",sans-serif;">The agent you name in your financial power of attorney should be
financially responsible. You should sit down with the agent you appoint for
your financial power of attorney and discuss your financial affairs. You should
inform your agent about your bank accounts, loans, credit card accounts,
investments, insurance policies, bills, and anything else you would like for
them to handle on your behalf.<o:p></o:p></span></div>
<br />
<div style="background: white;">
<span style="color: black; font-family: "Calibri",sans-serif;">The agent you name to act on your behalf in your advance medical
directive should be a person who will be able to make potentially difficult
decisions about your medical care. Make sure your chosen agent is aware of your
wishes for care.<o:p></o:p></span></div>
<br />
<div style="background: white;">
<span style="color: black; font-family: "Calibri",sans-serif;">Finally, make sure any agent that you appoint is able to handle
the duties of the job and willing to act on your behalf. </span></div>
<div style="background: white;">
<span style="color: black; font-family: "Calibri",sans-serif;"></span> </div>
<div style="background: white;">
<span style="color: black; font-family: "Calibri",sans-serif;">Written by Heather W. Winter, Esquire<o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-5510791085757252032015-04-20T13:03:00.000-04:002015-04-20T13:03:01.826-04:00What is a Revocable Living Trust and Why Would I want to Use One? A trust is a legal arrangement where a person called a trustee holds assets on behalf of one or more beneficiaries. The trust document will state the rules that the person making the trust wants the trustee to follow when managing the trust property. A revocable living trust is created during the lifetime of the person making the trust. The trust names a trustee who holds title to the trust property and performs the day-to-day management of the trust. The creator of the trust retains the power to revoke the trust and take back the assets. The creator may also change the trust terms during their lifetime. The creator of the revocable trust is often a trustee and a beneficiary of the trust during his or her lifetime. <br />
<br />
A person may want to create a revocable trust to have a plan in place if they ever become unable to manage their own assets. If the creator of the trust becomes unable to serve as their own trustee for health or other reasons, a successor trustee is named in the trust document. The successor trustee will then manage the trust for the creator’s benefit according to the instructions in the trust document. The trustee invests the assets prudently, and pays the creator’s debts and living expenses. The living trust is generally safer than a general power of attorney for purposes of managing the creator’s property in the event of his or her incapacity. The successor trustee can also continue trust administration without delay upon the creator’s incapacity. <br />
<br />
Assets held in a revocable trust during the creator’s lifetime, or paid to the trust at the creator’s death by beneficiary designation, are not included in the creator’s probate estate. This could result in reducing the expenses of estate administration. A revocable trust also keeps the creator’s assets private because the trust document is private, unlike a will, which is a recorded public document. A person who is considering setting up a revocable living trust should talk to an experienced attorney who can advise them whether this type of trust would be beneficial for them. Anonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-79974046782359799122015-04-13T10:30:00.001-04:002015-04-13T10:30:05.793-04:00Should I Become Mom or Dad's Legal Guardian?
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">As our parents become older, one of the most noticeable
changes is their inability to think as clearly as they once did. Unfortunately,
in some cases it becomes so severe that they are unable to make important
decisions on things such as their health and medical treatment. If your parent is
unable to handle matters himself or herself, you may need to consider
guardianship. Just as with a child, you can act as your adult parent’s legal
guardian. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Petitioning for guardianship is a serious matter and
involves taking legal action. If a judge finds that your parent is
incapacitated, he or she may appoint you as guardian to make personal and
health care decisions for your parent. In guardianship proceedings, “incapacitated”
means that the parent is incapable of meeting their health, care, safety, or
therapeutic needs without the assistance or protection of another person. An
incapacitated person may be a person who has a physical or mental problem that
prevents them from taking care of their basic needs and they are in danger of
substantial harm.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">The legal guardian makes everyday decisions about how the
parent lives. These decisions include decisions about health and medical
treatment, where the person lives, and their social activities. It is the
guardian’s responsibility to act in the best interest of the parent. This can
be a difficult subject to discuss among your family. While you may believe that
your parent lacks the mental capacity they once had, they may not feel this
way. They may feel extremely dependent and vulnerable because they can no
longer handle their own lives. This can cause turmoil between a parent and
adult child and can go as far as the elderly parent appointing an attorney to
object the guardianship. In other circumstances, if there are multiple children
involved, there may be a dispute as to who will become mom or dad’s legal
guardian.<o:p></o:p></span></div>
<br />
Written by Heather W. Winter, EsquireAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-34095973636792282802015-04-06T13:39:00.002-04:002015-04-06T13:39:38.364-04:00What are the Options for Living Facilities for Mom and Dad?
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Whether the search for housing is due to a serious medical
condition or the desire for a lifestyle change, finding the right place to live
can be both stressful and challenging for the senior and their family. There
are many options to consider when looking at housing facilities for mom and dad.
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style='mso-element:field-end'></span><![endif]-->Four options that you may want
to consider are Senior Apartments, Assisted Living, Group Homes, and Continuing
Care Retirement Communities. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Senior Apartments are subsidized apartments for low-income
elders who are still independent. They are completely specialized to take care
of the needs of the elderly. Because they cater to low-income elders, they are
usually run by a charitable organization or the government. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Another option is an assisted living facility. An assisted
living facility provides a small amount of supervision, but residents still
have a great deal of independence. The facility provides help and support when
needed throughout the day, including minor help with medications. Most
facilities like this provide a wide array of services as well as daily
activities to keep the residents active. Assisted living may be a good choice
if the senior needs more personal care services than what could feasibly be
provided at home and the senior doesn’t need continuous medical care and
supervision.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Group Homes are home facilities where an elder has a
roommate that he or she lives with. The facility usually provides housekeeping,
but does not necessarily provide any type of health care. The group home is
ideal for companionship and splits expenses between the two that live together.
<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Finally, there are Continuing Care Retirement Communities to
consider. Continuing Care Retirement Communities are complexes that provide all
types of care and housing. The facilities typically include independent living,
assisted living, and nursing home care in one location, so the senior can stay
in the same facility as their needs change over time. This is ideal for many
elders who want to continue their independence, have a large group of people to
interact with, and to have an array of activities to participate in. This type
of community is also ideal for those who have a spouse who requires a higher
level of care or who would like to live and age in one specific facility until
they pass away.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">We encourage you to contact the Virginia Department for the
Aging or any other contact that may be able to help you decide what facility
would be best for your elderly parent.<o:p></o:p></span></div>
<br />
Written by Heather W. Winter, EsquireAnonymoushttp://www.blogger.com/profile/11221395757962873164noreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-41384081142506213162015-04-02T15:15:00.002-04:002015-04-03T09:36:50.021-04:00World Autism Awareness Day<br />
<div class="MsoNormal" style="margin: 0in 0in 0pt;">
<span style="font-size: 12pt;"><span style="font-family: Calibri;">Today, April 2, 2015, marks
the eighth annual World Autism Awareness Day. Autism affects 1 in 68 children
and 1 in 42 boys. Hall & Hall joins the effort to inspire compassion,
empowerment and hope by wearing blue on World Autism Awareness Day. For more
information about autism, please visit: </span><a href="https://www.autismspeaks.org/"><span style="color: #0563c1; font-family: Calibri;">https://www.autismspeaks.org</span></a><o:p></o:p></span></div>
<br />
Written by Heather W. Winter, Esquire <br />
<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ0avpFu5SgMMklZz8hy0UhCj1yj7zZ2yWSRLEYSrm2q98_jUEqB4d8SJTzhyphenhyphen5iYNaCGeQ1Be7WVO4O7xtDLklRV-8ECgAFCKOdmQM44lsPyRzvJ0sVIcSfi-cfYeNTuHGpIVXH2R9A2E/s1600/Chf+Staff+Autism+Awareness+Day.4.2.15.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhQ0avpFu5SgMMklZz8hy0UhCj1yj7zZ2yWSRLEYSrm2q98_jUEqB4d8SJTzhyphenhyphen5iYNaCGeQ1Be7WVO4O7xtDLklRV-8ECgAFCKOdmQM44lsPyRzvJ0sVIcSfi-cfYeNTuHGpIVXH2R9A2E/s1600/Chf+Staff+Autism+Awareness+Day.4.2.15.jpg" height="313" width="400" /></a></div>
Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-55021943642226718962015-03-30T16:04:00.003-04:002015-03-30T16:07:13.701-04:00What is Medicaid Asset Protection Planning for Seniors?<span style="font-family: Calibri;">Asset protection planning helps
plan for how to pay for long term care. The national average cost of a nursing
home is over $6,000 per month. Nursing home costs generally exceed the average
person’s ability to privately pay, and approximately 60% of nursing home
residents use Medicaid to pay for their care. Because of the high cost of long
term care, Medicaid planning recognizes that an individual may need at some
point to try to qualify for Medicaid to pay for long term care in a nursing
home. Medicaid is a needs-based program with its own current and ever-changing
requirements. To financially qualify for Medicaid, a person is permitted to have
$2,000 in assets and may keep only $40 of income. A person may be penalized for
gifts or transfers made for less than fair market value. For each approximately
$6,000 gift during the five year period immediately prior to any Medicaid
application, Medicaid will impose a one month penalty. There are complicated
planning techniques to help put individuals in a better position to qualify
when they need long term care in a nursing home. Careful planning can also help
to protect the person’s estate, whether to provide for a spouse or for
children. </span><br />
<span style="font-family: Calibri;"></span><br />
<span style="font-family: Calibri;">Written by Heather W. Winter, Esquire</span>Unknownnoreply@blogger.comtag:blogger.com,1999:blog-4264227396874294400.post-53591719587006794052015-03-23T09:39:00.000-04:002015-03-23T09:39:53.452-04:00What is a Special Needs Trust and Why is One Important?
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Sometimes referred to as a supplemental needs trust, a
Special Needs Trusts (SNT) may be created to benefit a family member or close
friend who has a disability. <span style="mso-spacerun: yes;"> </span>The trust
is set up for a person with special needs to supplement any benefits the person
with special needs may receive from government programs. Any funds in a SNT
will not be counted for purposes of qualifying and maintaining eligibility for
certain governmental benefits programs. Governmental programs that require the
protection of a special needs trust such as Supplemental Security Income,
Medicaid, and Veterans Benefits, are needs-based programs and the person who
you want to provide for may be disqualified from these programs if the person
held the assets or funds directly.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">Programs like SSI and Medicaid only meet basic needs such as
food and housing. The SNT can give the means to provide the disabled person
with an enhanced quality of life. The trust pays for supplemental and extra
care over and above what the government will pay. The trust funds are disbursed
to third parties who provide goods and services for use and enjoyment by the
disabled person. The person who manages the trust assets, called the trustee,
is able to purchase things like a phone, a computer and electronics, a
television, a vehicle, cable and internet services, clothing, tuition, books,
travel, entertainment, household furnishings and furniture, special accommodations
for housing, and other items that allow the beneficiary a richer life.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">If the trust is funded during the lifetime of the person who
established the trust, it is effective immediately, and other family members,
including grandparents, aunts, uncles, brothers, sisters, or friends can give
money to the trust either by writing a check or by naming the trust as a
beneficiary in their will. A parent of a disabled child may also choose to
purchase a life insurance policy payable to the trust. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">The person making the trust may attach an optional letter of
intent, which is a letter expressing their wishes on how the funds should be
used, along with special notes about the disabled person’s preferences.<o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="margin: 0in 0in 8pt;">
<span style="font-family: Calibri;">The trust is beneficial to families and friends of disabled
people receiving government benefits who want to enhance that person’s quality
of life. Even if a disabled person is not currently receiving government
benefits, the trust protects public benefit eligibility in the future or offers
a way to assist in managing the assets of a special needs person.<o:p></o:p></span></div>
<br />
Written by Heather W. Winter, EsquireUnknownnoreply@blogger.com