tag:blogger.com,1999:blog-34522551505949880292024-03-04T20:53:15.227-08:00Shepherd Elder Law Group, LLCHelpful information for seniors, individuals with disabilities and their families. Guidance for paying for long term care, avoiding probate, estate planning, establishing and administering special needs trusts, powers of attorney, medicaid applications, MoHealthnet eligibility, guardianship.Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.comBlogger161125tag:blogger.com,1999:blog-3452255150594988029.post-56880117916208611402018-01-02T13:29:00.000-08:002018-01-02T13:29:16.144-08:00Real Client Stories<br />
<br />
<b><u>A Case for Division of Assets: George and Ruthanne</u></b><br />
<b><u><i><br /></i></u></b>
<i>The names have been altered for the sake of client confidentiality.</i><br />
<i><br /></i>
In early December of 2017, I met with the Adams family for an initial consultation while they were in the middle of a healthcare crises. Dad, George Adam, was in rehab at the time of our meeting and so I met with George's wife, Ruthanne, and their daughters, Sara and Amy. The Adams family shared with me that they were not sure if Dad would be able to come home. They felt that the reason they came to me was because they were lost in a sea of information given to them by various people, the internet, the nursing home, the rehab folks and their financial planner. They were not even sure what an elder law attorney was or what I could possibly do for them. They just knew they were struggling to work through information and needed a game plan.<br />
<br />
The more the story progressed, the more certain I became that unfortunately Dad would definitely not be able to return home. Dad is in his late 70s and is physically weak. He has fallen on multiple occasions and most recently has broken one of his hips. Currently he is in his second week of rehab, but is about to be discharged. He can not seem to regain strength enough to support his own weight. He can dress himself, but only with the help of an aide. He can roll himself to the toilet in his wheelchair, but he can't lift himself from the toilet to the stool and back again to his wheelchair. Dad also suffers from dementia. In his current condition, this means that Dad often forgets that his legs are not sufficiently strong enough to support his weight and, consequently, he falls when he attempts to stand, leading to further injury. He requires constant supervision. He and his wife, Ruthanne, live alone in their home of many years.<br />
<br />
Ruthanne knows that she can't bring George home, but she is equally terrified that she can not afford to keep him at the nursing home. She would even be willing to bring George home to "give it a try," contrary to her doctor's advice, because of the fear she has of losing everything they have worked their lives to earn. The billing representative from the nursing home stopped in to visit with her and relayed that once the rehab days end, the base cost of the care required for George is $250 per day. $250 a day for the care is not all inclusive, but covers most things except for medications, incontinence supplies, haircuts, clothing, personal needs. The Adams have income from only three sources: his social security, her social security and a small pension that George receives from his former employer. They have never really looked at their income as "his income" or "her income," but I had to ask in order to help them.<br />
<br />
The Adams family have approximately $200,000 in assets, in addition to their car and their home. They own their home outright. The value of the home is somewhere around $150,000. George has an IRA worth $50,000 and Ruthanne has an IRA worth $50,000. They have $100,000 in CDs. Someone told the Adams family to put everything into George's name, since George was going to need a nursing home.<br />
<br />
My job was to provide the family with knowledge, resources and options. I offered the suggestion of the Division of Assets process and guided the Adams family step by step through the process. Ruthanne did not have to become impoverished in order to ensure that George gets the care that he needs. I helped Ruthanne to apply and qualify George for MEDICAID and keep significant amounts of their joint assets. In Kansas, the name for the Medicaid program is KANCARE. In Missouri, the name for the Medicaid program is MoHealthnet. Both programs share the same basic goal of preventing Ruthanne from becoming impoverished. It is not true that Ruthanne should have rushed out and changed the CDs into her name as soon as she felt that George was too weak to return home. It is irrelevant whose name is listed as the owner on the CDs; as a married couple, the assets of one are considered the assets of both. There is an exception for retirement assets in Kansas. In Kansas, the retirement assets of Ruthanne are not part of the equation. Ruthanne can keep her $50,000 IRA.<br />
<br />
The process for protecting the Adams assets for the benefit of Ruthanne is called Division of Assets. It is extremely important to know that Ruthanne did not have to "spend-down" all of the Adams family assets before KANCARE will take over and help pay for George's nursing home care. The Division of Assets process will permit Ruthanne to keep the house. She was able to keep all of her $50,000 IRA, as she is a Kansas resident. The remaining assets, consisting of the $50,000 IRA belonging to George and the $100,000 in CDs are first divided, resulting in $75,000 in each. Then, the $75,000 in George's share can be used to buy exempt assets. For example, the funeral plans of both Ruthanne and George can be purchased with George's share. In addition, home repairs, furniture, electronics, hearing aids, a new car, a new wheelchair, can all be purchased from George's share. Lastly, once all desired purchases have been made, then Ruthanne can consider options to supplement her income. In other words, she can used any of George's remaining share to purchase a stream of income. Often this will take the form of either a promissory note or an annuity. Either method is approved by the state of Kansas.<br />
<br />
The timing of the Division of Assets process is key. Ruthanne should not spend-down any money that she would otherwise not wish to spend before George enters into long term care. Spend-down for purposes of the Division of Assets does not occur until after George entered the hospital to seek care for his broken hip. After the process is initiated, then Ruthanne must remove George's name from the CDs and other assets. Ruthanne should absolutely not give Sara and Amy an annual gift of $10,000-$15,000 that her neighbor told her would save the money from the government. <span style="-webkit-text-stroke-width: 0px; background-color: transparent; color: black; display: inline !important; float: none; font-family: Times New Roman; font-size: 16px; font-style: normal; font-variant: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: left; text-decoration: none; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px;"> Thankfully, the Adams family sought elder law advice before they started paying for the nursing home care for George. George was able to stay at the nursing home and KANCARE will take over paying for the care he receives. Ruthanne will get to keep the house and the vast majority of their assets.</span><br />
<b><br /></b>
Every story has twists and turns and gets tangled up here and there. This story is not intended to be legal advice, but is intended to demonstrate that there are unique solutions in every case to help Dad get the care he needs and to protect the remaining assets for Mom. Both Sara and Amy are "good" girls, not intending to take any money from George and Ruthanne. They gave back the gifts they had received in the last 5 years. George was never in the military. Neither of the children have a disability. The asset calculations are different in every case (there is a maximum that a well spouse can keep, for example).<br />
<br />
I am grateful every day that my job is to help people.<br />
<br />Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com2tag:blogger.com,1999:blog-3452255150594988029.post-90057018801561336622017-01-24T10:19:00.001-08:002017-01-24T10:20:32.839-08:00CMS Reports 'Sharp' Drop in Avoidable Hospitalizations Among Long-Term Care Residents<h2 class="articleHeadline">
From McKnight's...</h2>
<h2 class="articleHeadline">
<a href="http://www.mcknights.com/news/cms-reports-sharp-drop-in-avoidable-hospitalizations-among-long-term-care-residents/article/632414/">http://www.mcknights.com/news/cms-reports-sharp-drop-in-avoidable-hospitalizations-among-long-term-care-residents/article/632414/</a></h2>
Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-31748401340188996972016-08-09T09:47:00.003-07:002016-08-09T09:47:55.330-07:00Jobs Report Offers Mixed Message On Disability EmploymentFrom <a href="http://disabilityscoop.com/">Disabilityscoop.com</a><br />
<br />
The unemployment rate for Americans with disabilities fell
significantly in the latest jobs report from the U.S. Department of
Labor, but that doesn’t tell the whole story.<br />
<br />
The jobless rate declined to 11.1 percent in July, the Labor Department said, down from 12.1 percent the month prior.<br />
<br />
However, the shift appears to be at least partly due to fewer people
being counted in the total disability population that the monthly jobs
report reflects.<br />
<br />
While less people were unemployed in July than the month prior, the
number of employed people also dropped and the participation rate —
which measures the number of people who are employed or actively looking
for work — actually declined slightly as well.<br />
<br />
At the same time, the economy added 255,000 jobs and the unemployment
rate for the general population remained steady at 4.9 percent.<br />
<br />
Federal officials began tracking employment among people with
disabilities in October 2008. There is not yet enough data compiled to
establish seasonal trends among this population, so statistics for this
group are not seasonally adjusted.<br />
<br />
Data on people with disabilities covers those over the age of 16 who
do not live in institutions. The first employment report specific to
this population was made available in February 2009. Now, reports are
released monthly.<br />
<br />
Written by: Shaun Heasley Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-30939327409301630902016-06-26T06:04:00.005-07:002016-06-26T06:04:44.887-07:00Important Information for CPAs!!!!If you advise the elderly, click on this link to read important information regarding Medicaid Eligibility & Spousal Responsibility.<br />
<br />
<a href="https://drive.google.com/file/d/0B9JhZVsi7bYpbGtxSkhZYzNPdEk/view?ts=576fcfae">https://drive.google.com/file/d/0B9JhZVsi7bYpbGtxSkhZYzNPdEk/view?ts=576fcfae</a>Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-70655542605811641712016-06-16T09:53:00.005-07:002016-06-16T09:53:51.863-07:00Approval of Medicaid Dollars to Fight the Zika Virus<div dir="ltr">
From TheHill.com </div>
<div dir="ltr">
<br /></div>
<div dir="ltr">
States can use Medicaid dollars to pay for tools to fight
the Zika virus such as mosquito repellent and condoms, according to a
new memo from the Obama administration.</div>
<div dir="ltr">
<br /></div>
<div dir="ltr">
The five-page <a href="https://www.medicaid.gov/federal-policy-guidance/downloads/cib060116.pdf" target="_blank">letter</a>,
distributed by the Centers for Medicare & Medicaid Services (CMS)
on Wednesday, offers long-awaited guidance for states looking to bolster
their response to the mosquito-borne virus without extra funding from
Congress. </div>
<div dir="ltr">
<br /></div>
<div dir="ltr">
For the first time since the beginning of the epidemic, the White House
is taking steps to clarify how existing state funding can be used to
fight the disease at a time when it says it is short more than $1
billion to fight the disease nationally.</div>
<div dir="ltr">
<br /></div>
<div dir="ltr">
President Obama has
requested $1.9 billion for the domestic and international effort. The
Senate has lowered that total figure to $1.1 billion, while the House
has said it will provide $677 million — two amounts that congressional
leaders will work to reconcile after the weeklong Memorial Day recess.</div>
<div dir="ltr">
The White House has already moved about a half-billion dollars from its Ebola virus fund to speed up the national response. </div>
<div dir="ltr">
<br /></div>
<div dir="ltr">
CMS's
letter told states for the first time that they can receive Medicaid
reimbursement for over-the-counter insect repellents when prescribed by a
healthcare provider.</div>
<div dir="ltr">
<br /></div>
<div dir="ltr">
Written by: Sarah Ferris </div>
Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-36013872583400765422016-05-26T10:07:00.001-07:002016-05-26T10:07:15.715-07:00Upcoming Event - Kansas Medicaid: Helping Your Clients Navigate KanCare Click on the link below for complete details and to register.<br />
<br />
<a href="https://drive.google.com/file/d/0B9JhZVsi7bYpSXVNU3pHOGhmUlk/view?usp=sharing">https://drive.google.com/file/d/0B9JhZVsi7bYpSXVNU3pHOGhmUlk/view?usp=sharing</a>Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com1tag:blogger.com,1999:blog-3452255150594988029.post-5787996431483718112016-05-25T13:13:00.002-07:002016-05-25T13:13:41.182-07:00Legal Recourse for Aging Parents When Their Adult Children Won't Visit?!?!?<h2>
In Shanghai, not visiting elderly parents could harm children's credit ratings</h2>
Posted 4/7/2016<br />
<br />
From China Daily - Children in Shanghai who fail to visit their parents regularly
will find their credit standing adversely affected, according to a new
rule set to take effect on May 1.<br />
<br />
If a child refuses to visit an elderly parent, the parent can file a
lawsuit. If the child still refuses to follow through with their
obligations after the court makes a ruling, it will be recorded into a
credit platform, which could adversely affect their future work and
general life.<br />
<br />
The rule, aimed at better protecting the rights and interests of
senior citizens, also requires children who have sent their parents to
nursing homes to regularly visit. If they fail to do so, nursing
services have an obligation to remind them.<br />
<br />
Shanghai has also stepped up legal support for senior citizens, including a series of free authentication services.<br />
<br />
The city had a registered population aged over 60 of about 4.36
million by the end of 2015. The number will surpass 5 million by 2018,
and exceed 5.4 million by 2020, according to statistics released by
local authorities.<br />
<h2>
</h2>
Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com1tag:blogger.com,1999:blog-3452255150594988029.post-89079115168269549272016-05-24T08:06:00.000-07:002016-05-24T08:06:31.303-07:00Four Social Security Myths Debunked<h1 class="title">
From Elder Law Answers</h1>
<img alt="Social Security card and cash" height="119" src="https://attorney.elderlawanswers.com/uploads/media/images/istock_000008687939_extrasmall_sm.jpg" style="float: right; margin-left: 10px; margin-right: 10px;" title="Social Security card and cash" width="180" />There
are a lot of misconceptions surrounding the Social Security system.
Here are four common myths and the truth about how Social Security works
and its future prospects.<br />
<br />
<strong>Myth 1: You Should Collect Benefits Early</strong><br />
This is one of the biggest Social Security myths. In 2015, more than half of Social Security recipients began <a href="http://money.usnews.com/money/retirement/articles/2015/06/01/the-most-popular-ages-to-sign-up-for-social-security" target="_blank">collecting benefits</a>
before their full retirement age (66 for those born between 1943 and
1954), potentially costing themselves thousands of dollars in additional
benefits. If you take Social Security between age 62 and your full
retirement age, your benefits will be permanently reduced to account for
the longer period you will be paid.<br />
On the other hand, if you delay taking retirement, depending on when
you were born your benefit will increase by 6 to 8 percent for every
year that you delay, in addition to any cost of living increases. There
are a lot of factors that go into the decision as to <a href="http://www.elderlawanswers.com/when-should-you-take-your-social-security-retirement-benefits--5730" target="_blank">when to take Social Security benefits</a>, but if possible it is usually better to wait until your full retirement age or older. <br />
<br />
<strong>Myth 2: Your Money Goes into an Account with Your Name on It</strong><br />
When you pay into Social Security, the money is not set aside in a
separate account, as with a 401(k) or IRA. Instead, your contributions
are used to pay current recipients. When you start receiving benefits,
people paying into the system will be paying your benefits.<br />
<br />
<strong>Myth 3: Social Security Will Be Out of Money Soon</strong><br />
Many young people believe the Social Security system will run out of
money before they have a chance to collect anything. Currently, the
Social Security trustees predict that the trust fund will run out of
money in 2034. Politically, it seems unlikely that Congress and the
President would let this happen. Changes will likely be made to the
system by either raising taxes (such as by lifting the cap on income
subject to Social Security tax), reducing benefits for high-income
individuals, increasing the retirement age, or doing something else that
will allow Social Security to be fully funded. However, even if the
trust dries up and there isn't enough money to pay all the promised
benefits, people will still be paying into the system and Social
Security will be able to pay at least 75 percent of benefits.<br />
<br />
<strong>Myth 4: If You Haven't Worked, You Cannot Collect Benefits</strong><br />
If you haven't worked outside of the home, you will not be able to
collect Social Security benefits on your own record, but you may be able
to collect them based on your <a href="http://www.elderlawanswers.com/social-securitys-benefits-for-spouses-9585" target="_blank">spouse or ex-spouse's record</a>.
Spouses are entitled to collect as much one half of a worker's
retirement benefit. This rule applies to ex-spouses as well, as long as
the marriage lasted at least 10 years and the spouse applying for
benefits isn't remarried.<br />
To learn more about Social Security, <a href="http://www.elderlawanswers.com/social-security" target="_blank">click here</a>.Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-26189767616180704302016-05-23T14:04:00.004-07:002016-05-23T14:04:56.143-07:00What is Alzheimer's Disease?Click on the link to watch a brief but informative video on this all-too-common disease:<br />
<br />
<a href="https://www.youtube.com/watch?v=9Wv9jrk-gXc">https://www.youtube.com/watch?v=9Wv9jrk-gXc</a><br />
<br />Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-43992736801522625472016-05-17T07:45:00.002-07:002016-05-17T07:45:19.300-07:00Treasurer Zweifel announces participation in nine-state consortium to establish ABLE program in Missouri<strong><em> From Missouri State Treasurer Clint Zweifel:</em></strong><br />
<strong><em>Multi-state effort will allow for access to a lower-cost, higher-quality plan for Missourians</em></strong><br />
<br />
<span style="font-size: 14px; line-height: 150%;"></span><br />
JEFFERSON CITY – <strong>State Treasurer Clint Zweifel</strong>
announced today Missouri’s commitment to work with a nine-state
consortium to create and implement an ABLE program in Missouri.
“Achieving a Better Life Experience” legislation passed Congress in 2014
and in Missouri in 2015. It allows states to create tax-advantaged
savings accounts for expenses related to disabilities and special needs.
By participating in the consortium, Missourians will be able to
leverage their savings with those in other states to solicit a
lower-cost plan with higher-quality investment options, increasing the
value for users.<br />
<br />
“In creating these ABLE accounts, our priority
first and foremost is to serve the needs of Missourians with
disabilities in a fiscally sound way that honors their circumstances,”
Treasurer Zweifel said. “These accounts will give families more
financial security and empower them to make long-term planning decisions
surrounding their specific needs.”<br />
<br />
ABLE accounts come with
advantages similar to 529 savings programs like MOST—Missouri’s 529
College Savings Plan. For Missourians, those advantages include a tax
deduction of up to $8,000, or $16,000 if married and filing jointly.
Savings also grow tax deferred and may be withdrawn tax-free when used
for qualified expenses.<br />
<br />
“Enactment of ABLE in Missouri was an
enormous victory for families and people with disabilities in Missouri,”
said Bill Bolster, Chairman of the Board for Autism Speaks St. Louis.
“Now, through Treasurer Zweifel’s work with nine other states in
implementing the ABLE Act, Missouri families with disabilities will be
able to save and invest in the future of their loved ones. We applaud
and thank Treasurer Zweifel for his work on behalf of Missourians with
disabilities.”<br />
<br />
Currently, nine states are committed to working
together to help individuals and families with special needs - Alaska,
Illinois, Iowa, Kansas, Minnesota, Missouri, Nevada, Pennsylvania, and
Rhode Island. These states represent more than 47 million people across
the country. While a majority of states have passed ABLE legislation,
none are yet offering ABLE accounts at this time.<br />
<br />
“The ABLE Act
offers an important promise: sustainable independence for people with
disabilities through the opportunity to save for future expenses without
losing necessary benefits,” said Aimee Wehmeier, Executive Director and
CEO of Paraquad. “Joining this consortium and sharing expertise is an
efficient way to start investing in the future of people with
disabilities. We are grateful for Treasurer Zweifel’s leadership and
vision.”<br />
<br />
The Treasurer’s <a href="https://treasurer.mo.gov/content/achieving-a-better-life-experience">website</a>
now has more information on the background and goals of the program,
frequently asked questions, and resources related to ABLE. Individuals
can also sign up for ABLE-related email updates <a href="https://treasurer.mo.gov/emailus/AbleSignUp.aspx">here</a>.<br />
<br />
Following
the establishment of the consortium, the next step is to seek public
bids for investment services, record keeping, and marketing services.
Although working together for the procurement, the nine-state consortium
encourages, and in no way jeopardizes, individual state autonomy in the
administration of these accounts.Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-32616259966487541012016-05-14T05:25:00.001-07:002016-05-14T05:25:51.530-07:00Nursing homes increasingly eject residents; are they following the law?<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">From the American Bar Association Journal:</span></span><br />
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;"><br /></span></span>
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">Nursing homes are increasingly ousting residents, often expelling
patients who are considered undesirable because they require more care
or because their families complain more often, according to elder
advocates.</span></span><br />
<br />
<br />
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">Federal law restricts the reasons that nursing homes can evict
residents, but advocates say the nursing homes sometimes bend the rules,
the <a href="http://bigstory.ap.org/article/95c33403b5024b4380836d3ed3dfecb0/nursing-homes-turn-eviction-drop-difficult-patients">Associated Press</a>
reports. Complaints about evictions were the top grievance reported to
the Long-Term Care Ombudsman Program in 2014, which found eviction and
discharge complaints have increased about 57 percent since 2000.</span></span><br />
<br />
<br />
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">Federal law allows residents to be transferred from nursing homes if
the facility closes, the resident doesn’t pay, the resident poses a risk
to others, the resident no longer needs nursing home services, or the
nursing home can no longer meet the person’s needs. Federal law also
requires nursing homes to hold beds for Medicaid patients who are
hospitalized for a week or less.</span></span><br />
<br />
<br />
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">Even when residents’ families appeal an ouster and win, nursing homes don’t always obey the rulings. A February 2016 <a href="http://www.npr.org/sections/health-shots/2016/02/25/467958665/nursing-home-evictions-strand-the-disabled-in-costly-hospitals">story by National Public Radio</a>
highlights one such case. Bruce Anderson had been a resident at Norwood
Pines Alzheimer’s Care Center in Sacramento, California, before his May
2015 hospitalization for pneumonia. When Anderson was ready to go back
to the nursing home, it refused to admit him.</span></span><br />
<br />
<br />
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">Anderson’s family appealed to the California Department of Health
Care Services, which oversees Medicaid, and won. Yet the nursing home
still refused to permit Anderson’s return. The decision has spurred a
lawsuit filed on behalf of Anderson and two other nursing home residents
that seeks a court decision requiring California to enforce its own
rulings.</span></span><br />
<br />
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">The nursing home says in court documents that it refused to readmit
Anderson because he is a danger to staffers and residents. Anderson’s
daughter, Sara Anderson, told AP she believes the nursing home refused
because she had complained about its use of restraints on her father.
Bruce Anderson remains in the hospital, which costs Medicaid about 2½
times more than the nursing home does.</span></span><br />
<br />
<span style="font-size: small;"><span style="font-family: Georgia,"Times New Roman",serif;">Written by: Debra Cassens Weiss </span></span>Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-37978182478445125882016-05-12T12:20:00.002-07:002016-05-12T12:20:24.322-07:00Things Not to Include in a Will: Documents Have Limitations, and Some Language Is Not Suitable Written by: Hyman G. Darling & Todd C. Ratner<br />
<br />
A will is an essential estate planning document that everyone should
have. If drafted properly, your will serves important purposes such as
nominating a personal representative to administer your estate according
to your wishes and designating guardians for minor children. However, a
will has a number of limitations, and include certain items and
language are not suited to be included there.<br />
<br />
<strong>Property Held in Joint Tenancy</strong><br />
Property owned by two or more joint tenants is automatically
distributed to the surviving joint tenant(s) by the operation of law.
Therefore, upon your death, the joint property passes directly to the
surviving joint tenant(s), despite will language to the contrary.<br />
<strong>Property in a Living Trust</strong><br />
Providing language in your will to distribute property that is
already delegated to someone by a living trust is inconsistent. The
property in the living trust is automatically distributed to the
beneficiaries, as directed by the living trust, and is managed by the
trustee(s) set forth by it. In the event that you wish to make revisions
to the beneficiary provisions, you must do so through the living trust
and not through your will.<br />
<strong>Accounts with Designated Beneficiaries</strong><br />
Certain assets, such as financial accounts and life insurance are
often are distributed to beneficiaries pursuant to a designated
beneficiary form and cannot be distributed to someone else through a
will. To revise a named beneficiary, you should complete a subsequent
beneficiary designation form provided by the financial or insurance
company.<br />
<strong>Nomination of Joint Guardians</strong><br />
The ability to nominate a guardian for minor children is a
significant benefit of a will. However, nominating joint guardians to
serve together is not always in the child’s best interest. If you
nominate a guardian and his or her spouse jointly, each will have equal
rights to the child’s care. In the event of a divorce, each proposed
guardian will have the legal right to be the guardian, which right may
become contested and impede the child’s care.<br /> <strong>Provisions for Pets</strong><br />
Under Massachusetts law, you cannot distribute funds in a will
directly to a pet. A pet is considered to be personal property, not a
person or entity, and cannot receive funds. If you attempt to leave
funds directly to your pet in your will, the distribution language would
be null and void, and those funds would pass to the beneficiary
inheriting the residue of your estate. The alternative to distributing
assets to the pet in a will is to create a Massachusetts Pet Trust.<br />
<strong>Funeral Instructions</strong><br />
It is not proper to leave your funeral, memorial service, and/or
burial instructions in a will, since a will is oftentimes reviewed after
the funeral occurs. It is better practice to have a meaningful
conversation with your loved ones, leave a letter of instruction, and/or
include language within your health care proxy, as that document is
oftentimes reviewed immediately prior to death. You may also pre-arrange
your wishes with a funeral home.<br />
<strong>Language to Eliminate or Minimize Estate Taxes</strong><br />
Assets distributed by a will are still subject to estate taxes. In
the event that you have a taxable estate, which is currently defined as
having assets in excess of $1 million upon death for Massachusetts
purposes, you may wish to consider a trust specifically designed to
eliminate or minimize estate tax obligations.<br />
<strong>Provisions for those with Special Needs</strong><br />
Providing assets for people with disabilities requires special estate
planning, and a will is not the appropriate document to distribute such
assets. There are certain types of trusts, such as special or
supplemental needs trusts that specifically address the management of
the specific needs of a disabled loved one.<br />
<strong>Information You Wish to Keep Private</strong><br />
Upon your death, a will is filed at the requisite probate court and
is available to the public. If this is a concern, you may wish to
contemplate planning with a trust. A trust is a private document and is
not available to the public.<br />
<br />It is a common misconception that having a will automatically
causes you to avoid the probate process. This is incorrect. Financial
assets that are distributed through a will are required to be
administered through the probate process. Probate is the court’s
supervision of the process that transfers the legal title of property
from the decedent to his or her beneficiaries. If you wish to avoid
probate, you may designate beneficiaries, hold assets jointly, or create
and fund a trust.<br />
A will is a necessary document that, if drafted properly, can save
your loved ones time and expense as well as provide you with peace of
mind. However, if drafted improperly, there is the very real potential
that the distribution of assets and final instructions will not be
administered as you wished. The advice of an experienced estate planning
attorney will greatly assist you in avoiding the pitfalls of an
incorrectly drafted will.Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-9127658467417423462016-05-03T12:02:00.003-07:002016-05-03T12:02:56.242-07:00Advising the Elderly: What Every CPA Should Know About Medicaid Eligibility and Spousal Responsibility
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">As clients progress through their
retirement years, it is incumbent upon the trusted adviser, the CPA, to become
acquainted with the basics of Medicaid in the context of long term care.
Specifically, the CPA should have a working knowledge of the Medicaid laws
preventing Spousal Impoverishment, including the Division of Assets process. In
the past, the CPA could effectively advise clients with only a cursory
knowledge of Medicaid; this is no longer the case. Our clients are living
longer. The number of our clients who are over age 65 is increasing. Baby
boomers are turning 65 at a rate of 10,000 a day and approximately 1 out of
every 4 of these boomers will spend time in a nursing home. At a median cost of
$180 per day, the cost of nursing home care in Kansas can cause financial
hardship and ruin to couples of moderate means; hence the need for Medicaid.</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">In Kansas, the Medicaid program is
called Kancare. Kancare is a needs based program. It is typically a program for
the indigent (assets less than $2000), except in the case of married couples.
In lieu of impoverishment or divorce, married couples of moderate means may
turn to Kancare when one spouse requires nursing home care. The theory behind
the division of assets process and the spousal impoverishment laws is to
prevent divorce and to protect the financial well-being of the spouse in the
community.</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">If a married couple has long term care
insurance or adequate assets to pay for a nursing home for a period of two to
three years without suffering financial drain (anticipated cost for two to
three years exceeds $200,000), eligibility for Kancare may not be necessary.
However, if the cost of $200,000 for nursing home care is overwhelming,
then the couple may need to consider Kancare.</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">In order for an individual to be
eligible for Kancare, a nursing home resident must have no more than $2000 of
“non-exempt” or countable assets. If the nursing home resident is married,
assets of both spouses count toward the $2000 limit. This particular fact is
shocking to many clients. In addition, even if the couple entered into a
pre-nuptial agreement the assets of both spouses count toward the $2000. The
federal and state law is unambiguous on this issue. All is not lost. Spousal
impoverishment is not the only answer. The spouse of the nursing home resident,
called the community spouse, can complete a process called a Division of Assets
to prevent impoverishment.</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Division of assets describes the
process of splitting the couple’s assets when one of the two spouses needs
nursing home care. First, all assets of both spouses are considered in the
Medicaid eligibility equation, regardless of how the assets are titled. An
asset is not protected simply by removing the name of the sick spouse from the
asset. In addition, an asset is not protected for Medicaid eligibility purposes
because the asset is titled in the name of a revocable living trust. Quite the
opposite is true in Kansas. </span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Next in the division of assets process,
certain assets are considered exempt. This means that the community spouse can
keep these assets and the assets are not part of the eligibility equation. For
example, the primary residence is exempt (up to a value of $552,000 in 2016)
and the community spouse may remain living in the family home. The family car is
also exempt. In addition, the pre-paid irrevocable funeral plans for both
spouses are exempt. In Kansas, the retirement assets (IRA, Pension, 401K) of
the community spouse are exempt. This last exemption is a significant benefit
for Kansans. Notably, the retirement assets of the community spouse are not
protected in the adjacent state of Missouri. Income producing assets are also
exempt in Kansas, such as rental properties, businesses and farms. Non exempt
assets include cash, CDs, bank accounts, stocks, bonds, annuities, jewelry and
gun collections, boats and trusts.</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Once a list of all non-exempt assets is
complete, the total asset value is divided by two. One half of the value, up to
a total of approximately $119,220 of the non-exempt assets, are allocated to
the community spouse. The least that the state allows the well spouse to retain
is $23,844. In other words, if the combined assets of both spouses is $23,844
or less then the community spouse can keep the total of $23,844. The community
spouse has 90 days after Medicaid eligibility to change the title of these
assets into his or her name. The second half of the assets is allocated to the
spouse in the nursing home. In order to qualify for Kancare the spouse in the
nursing home may have only $2000 in his or her name. The process of reducing
the assets to $2000 is called spend-down. </span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Spenddown can be accomplished in a
number of ways. The couple may purchase personal supplies, hearing aids,
adaptive equipment, eye glasses, furniture, funeral plans and clothing. In
addition, the couple may make home improvements or purchase a more reliable
vehicle. Legal fees can also be part of spenddown. The couple may also purchase
a Medicaid compliant annuity or loan assets in return for a Medicaid compliant
promissory note.</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">Once spenddown is complete, the couple
can apply for Medicaid benefits. Additional factors to consider include:
whether either spouse is a veteran, whether the couple has a child with a
disability and whether the couple has transferred assets for less than fair
market value within the past five years. Each of these factors requires
additional analysis and the assistance of an elder law attorney is encouraged.</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">The Gift Myth</span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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<span style="color: black; font-family: Arial; mso-bidi-font-family: Arial; mso-fareast-font-family: "Times New Roman";">CPAs are often approached to provide
guidance to a Medicaid applicant in the context of gifts and taxes. The
distinction must be drawn between the IRS and its view of gifting and the
Kancare program and its view of gifting. While an individual may gift up to
$14,000 per year (and a couple $28,000) and not be subject to a federal gift
tax, this gift tax rule will not trigger immunity from the a transfer penalty
in the Kancare program. If an individual gives away assets, including a gift of
$14,000 or less, within the 5 year look-back period for Medicaid eligibility,
the gift will be subject to a transfer penalty. </span><span style="font-family: "Times New Roman"; font-size: 12.0pt; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman";"></span></div>
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For additional information, please feel free to contact The
Shepherd Elder Law Group, LLC.</div>
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Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-59317100174344397322016-02-18T12:13:00.002-08:002016-02-18T12:13:08.091-08:00Legal Answers - From Our Associate Maureen McHughClick on the link below to find answers to some legal issues which families are facing.<br />
<br />
<a href="http://www.aplaceformom.com/qa/c/profile/maureen/">http://www.aplaceformom.com/qa/c/profile/maureen/</a><br />
<br />Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-25353782968979193912016-02-01T14:34:00.000-08:002016-02-01T14:34:12.714-08:00 CMS Issues Final Rule Prohibiting "Homebound" Requirement for Medicaid Home Health ServicesGreat News!!!!<br />
<br />On February 2, 2016, the Centers for Medicare and Medicaid Services (CMS) will issue a final rule codifying the homebound prohibition for Medicaid home health services, and clarifying the settings where homebound services may be provided. The final rule revises Medicaid home health regulations (42 C.F.R. § 440.70(c)(1-2)) to make clear that a Medicaid beneficiary does not need to be "homebound" in order to receive home health services. In addition, CMS explains that home health services may be provided in any setting where normal life activities take place, and are not limited to a hospital, nursing facility, or other institution.<br /><br />In its commentary, the agency explains that the prohibition codifies longstanding agency policy, previously articulated in a 2000 letter to state Medicaid directors, that a Medicaid homebound requirement for home health services violates the Americans with Disabilities Act (ADA), as articulated in Olmstead v. L.C., 527 U.S. 581 (1999). <br /><br />Unfortunately, the final rule is limited to Medicaid's homebound requirement, and does not change the Medicare homebound requirement. The agency cites what it describes as an inherent difference between the Medicaid statute and Section 1814(a) and 1835(a) of the Social Security Act, which imposes a Medicare homebound requirement. Acknowledging the challenge that this Medicaid v. Medicare misalignment places on dual eligible individuals, the agency notes in the rule commentary: "we would permit states the flexibility to authorize additional hours of home health services to account for medical needs that may arise out of the home." (pg. 56)<br /><br />The clarification that Medicaid home health services should not be limited to services furnished in the home reflects principles set forth in two prior court cases, Skubel v. Fuoroli, 113 F. 3d 330 (2d. Cir. 1997) (finding a state could not limit coverage of home health services to those in an individual residence); and Detsel v. Sullivan, 895 F. 2d 58 (2d Circ. 1990) (invalidating a regulation that limited private duty nursing services to an individual's residence).<br />Aging and disability advocates welcomed the final regulation's codification of agency policy, which comes after over a decade of advocacy for more community-based options for long-term services and supports.<br /><br />The rule's other provisions include:<br />Prohibiting absolute exclusions on medical supplies, equipment or appliances;<br />Requiring states to provide and make available to individuals a reasonable and meaningful procedure for individuals to request items not on a preapproved list; and<br />Greater alignment of the definitions of home health medical supplies, equipment and appliances with the Medicare definition of DME.<br />The rule will take effect July 1, 2016. CMS will delay enforcement until a state's legislature has had an opportunity to implement necessary changes (either one or two years, based on the state's legislative cycle). <br />Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-44869019592050073442016-01-04T17:01:00.001-08:002016-01-04T17:01:08.592-08:00The Link Between Alzheimer's Disease and Lack of SleepClick on the link to listen to this eye-opening report from NPR.<br />
<br />
<br />
<a href="http://www.npr.org/sections/health-shots/2016/01/04/460620606/lack-of-deep-sleep-may-set-the-stage-for-alzheimers">http://www.npr.org/sections/health-shots/2016/01/04/460620606/lack-of-deep-sleep-may-set-the-stage-for-alzheimers</a><br />
<br />Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-48819473005559958542015-12-18T08:08:00.002-08:002015-12-18T08:09:32.665-08:00Great Resource from AARP on Preparing to Care for a Loved OneThe busy lifestyle of most Americans today — two-earner couples, single-headed households, geographically scattered families — can make caring for an older relative challenging. Whether you are taking parents to a doctor's appointment, helping them pay bills or providing full-time care for them in your home, you likely have questions about how to best fulfill your role as a caregiver.<br />
<br />
woman helps with another woman's shopping bags, caregiving resource center AARP<br />
Get advice on how to have difficult conversations about caring for a loved one. — Photo by Getty Images<br />
<br />
Prepare to Care: A Resource Guide for Families was developed by AARP to help make the job more manageable. It includes information on how to have vital conversations with older family members, organize important documents, assess your loved one's needs and locate important resources. It provides simple, straightforward information and checklists that help guide family conversations. And it outlines what you need to do — in five simple, easy-to-understand steps — to take care of your loved one in the best possible way.<br />
<br />
Step 1: Start the Conversation<br />
<br />
Step 2: Form Your Team<br />
<br />
Step 3: Make a Plan<br />
<br />
Step 4: Find Support<br />
<br />
Step 5: Care for Yourself<br />
<br />
It's never too early or too late to help your family <a href="http://www.aarp.org/home-family/caregiving/info-07-2012/prepare-to-care-planning-guide.html" target="_blank">"Prepare to Care"</a> by downloading this free resource guide (pdf).Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-72601455061786152402015-12-17T01:59:00.000-08:002015-12-17T01:59:01.332-08:00Medicare - Providing for End-of-Life "Quality" Care?????http://mobile.nytimes.com/blogs/opinionator/2015/12/09/imagine-a-medicare-part-q-for-quality-at-the-end-of-life/?emc=edit_ty_20151209&nl=opinion&nlid=48944919&_r=1&referer<br />
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<br />Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-87961857675118980692015-10-04T11:54:00.003-07:002015-10-04T11:54:47.960-07:00Early-Onset Alzheimer's Disease - One Man's Journey<div class="MsoNormal" style="font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
In recognition of this year's Alzheimer’s Walk, I encourage each of you to take a minute to reflect on the impact that Alzheimer’s has on families every day. The beauty of the work we do helps these families through one of the toughest things a family has to go through, losing a family member while they are still here on Earth. Below you’ll find a link to a local radio production contest. The wining piece was created and produced by Esther Honig, the daughter of one of our clients, Jordan Honig. It is of an interview with her father who has early-onset Alzheimer’s. Take a listen…</div>
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<a href="https://www.blogger.com/redir.aspx?C=HgaNIoTNk0ma2dHJIFj1cSsc9D9o0tIINrqxh7AiH3SUOa-k-q8GxtkRlYlpb861mvmZoXypEPM.&URL=http%3a%2f%2fblogs.kcrw.com%2fwhichwayla%2f2015%2f08%2fannouncing-the-winners-of-kcrws-2015-radio-race" style="color: #954f72;" target="_blank">http://blogs.kcrw.com/whichwayla/2015/08/announcing-the-winners-of-kcrws-2015-radio-race</a></div>
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Maureen McHugh, JD</div>
Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-90512962953982858352015-05-01T09:56:00.007-07:002015-05-01T09:56:57.063-07:00DESIGNATED HEALTHCARE DECISION MAKER ACT<br /><div class="MsoNormal">
<b>Introduction</b><o:p></o:p></div>
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A Designated Healthcare Decision Maker is an individual authorized
by law to make healthcare decisions on behalf of an incapacitated patient that
does not have an Attorney-in-Fact for healthcare decisions.<o:p></o:p></div>
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Missouri is 1 of 6 states that does not have a Healthcare
Decision Maker Law.<o:p></o:p></div>
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When a medical situation is urgent, the delay in obtaining a
court-ordered guardianship may jeopardize the patient's health and place large
financial burdens on the family.<o:p></o:p></div>
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There exists proposed legislation to amend chapter 404,
RSMo, by adding thereto 11 new sections relating to Designated Healthcare
Decision-Maker’s authority for medical treatment of an incapacitated patient.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>A healthcare provider or healthcare facility may rely in
good faith upon the healthcare decisions made for an incapacitated patient by a
Designated Healthcare Decision Maker, provided two licensed physicians
determine that the patient is incapacitated and does not have:</b><o:p></o:p></div>
<div class="MsoNormal">
A guardian with medical decision-making authority appointed
in accordance with section 475.010 et seq.;<o:p></o:p></div>
<div class="MsoNormal">
An attorney in fact appointed in a durable power of attorney
for healthcare; or<o:p></o:p></div>
<div class="MsoNormal">
Any other known person with the legal authority to make healthcare
decisions for the incapacitated patient.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>If a patient is unable to consent, decisions concerning the
patient's healthcare may be made by the following competent persons in the
following order of priority:</b><o:p></o:p></div>
<div class="MsoNormal">
Spouse<o:p></o:p></div>
<div class="MsoNormal">
Adult child<o:p></o:p></div>
<div class="MsoNormal">
Parent<o:p></o:p></div>
<div class="MsoNormal">
Adult sibling<o:p></o:p></div>
<div class="MsoNormal">
Grandparent or adult grandchild<o:p></o:p></div>
<div class="MsoNormal">
Niece, nephew, or next nearest blood relative<o:p></o:p></div>
<div class="MsoNormal">
A nonrelative who is reasonably believed by the physician to
have a personal relationship with the patient and is familiar with the
patient’s personal values; or a person designated unanimously by the persons
listed above who are involved in the patient’s care.</div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<b>Priority of a Healthcare Decision Maker is not given if:</b><o:p></o:p></div>
<div class="MsoNormal">
The healthcare provider or healthcare facility has
reasonable cause to make a report of abuse or neglect against an individual for
treatment of the incapacitated patient, then that individual will not be given
authority or priority to make any healthcare decisions for the patient.</div>
<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The persons of equal priority as listed above do not
unanimously agree with regard to the healthcare to be provided to the patient,
they may file a petition seeking the appointment of a temporary or permanent
guardian for the incapacitated patient.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The healthcare provider or healthcare facility has made reasonable
attempts to contact the designated healthcare decision-maker using known
telephone numbers and other contact information and receives no response.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The healthcare provider or healthcare facility for the
incapacitated patient has knowledge that before becoming unable to consent, the
patient did not want the authorized person involved in decisions concerning the
patient's care.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The Designated Healthcare Decision Maker cannot override the
best interests of the incapacitated patient. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Any healthcare services that the patient has unambiguously,
without contradiction or change of instruction, expressed to their healthcare
provider when the patient had capacity shall be honored.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
No Designated Healthcare Decision Maker may, with the intent
of causing the death of the patient, authorize the withdrawal of nutrition or
hydration which the patient may ingest through natural means.<o:p></o:p></div>
<div class="MsoNormal">
Artificially supplied nutrition and hydration may be
withheld or withdrawn during the pendency of a guardianship proceeding only if
the patient’s physician and a second licensed physician certify that the
patient cannot tolerate it.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The Designated Healthcare Decision Maker’s authority is not absolute.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Nothing within the proposed legislation permits any
affirmative or deliberate act to end the patient’s life. <o:p></o:p></div>
<div class="MsoNormal">
The rights of the Designated Healthcare Decision Maker end
upon the physician’s certification that the patient is no longer incapacitated.
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
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<div class="MsoNormal">
No designated healthcare decision-maker may, with the intent
of causing the death of the patient, authorize the withdrawal of nutrition or
hydration which the patient may ingest through natural means.<o:p></o:p></div>
Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-39797805688614692452015-05-01T09:53:00.001-07:002015-05-01T09:53:28.129-07:00The ABLE Act - Read the details here...<div class="MsoNormal" style="text-align: center;">
<b>Achieving a Better Life Experience (ABLE) Act</b><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
What is the Able Act?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Living with a disability can be costly with constant
out-of-pocket expenses to pay for care. Recently, President Obama signed into
law the <a href="https://www.congress.gov/bill/113th-congress/house-bill/647"><span style="color: windowtext; text-decoration: none; text-underline: none;">Achieving
Better Life Experience (ABLE) Act</span></a>. The ABLE Act allows people with
disabilities and their family the ability to create a tax-exempt savings
account that can be used for improving one’s health, independence, and quality
of living.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
How does it work?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Individuals with disabilities depend on a variety of publically
funded programs (Medicaid, SSI, SNAP, etc.) to provide financial assistance with
everyday needs. Eligibility for these benefits varies from state to state, but
generally the individual would need to have $2,000 or less in assets, or
“countable funds”, in order to qualify. With the Achieving a Better Life
Experience Act, eligible individuals are able to create an ABLE account without
fear of damaging their eligibility for programs like SSI and Medicaid.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Who can open an account?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
If you have a significant disability with an age of onset of
26 years old or younger and are currently receiving SSI/Medicaid benefits- you
are automatically eligible to create an ABLE account. If you are not a
recipient of SSI/Medicaid, but still meet the age of onset disability
requirement, you may be eligible to open an ABLE account if you meet the SSI
requirements regarding significant functional limitations. Individuals over the
age of 26 are still eligible for an ABLE account, but must have the
documentation of disability that indicates an age of onset before the age of
26.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
What are the limitations?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There are limitations ton an ABLE account. For example, the
total annual contribution by all participating individuals may not exceed
$14,000. For individuals with disabilities who are recipients of SSI/Medicaid,
the first $100,000 towards your ABLE account would be exempt from the resource
limit of $2,000. If the ABLE account exceeds $100,000, you (the beneficiary)
would then be suspended from SSI eligibility; however, you would still continue
to be eligible for Medicaid. Only one account per individual is allowed.<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
What expenses are covered?<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
ABLE accounts cover "qualified disability expenses”,
meaning any expense related to helping you manage daily life with a disability.
These include: housing, education transportation, employment support, healthcare,
support services, and other. Consult your financial planner or attorney to see
a full list today.<o:p></o:p></div>
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Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-17127695399555128732015-04-24T09:17:00.001-07:002015-04-24T09:17:12.488-07:00The Partnership Program - Some Good News!!!<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Life is filled with uncertainty, but one thing <i style="mso-bidi-font-style: normal;">is</i> certain, people need to know that
they will be taken care of when they grow old. As of 2013, the number of
persons aged 65 or older rose to 46 million in the United States with
statistical promises of doubling by 2050. Seniors have several means at their
disposable to help ensure whatever care needs they require in the future are met;
unfortunately, the inadvertent consequences arising from an instable care plan may
be worse than the idea of not having one at all. As a solution, many states
have enacted The Long Term Care Partnership Program; a joint federal-state
policy initiative that conjoins the perks of private pay insurance with the
regulation of Medicaid. This is good news for taxpayers everywhere. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">The latest report from <i style="mso-bidi-font-style: normal;">The
National Spending for Long-Term Services and Supports</i> offered that
Americans financed $219.9 billion dollars towards elderly and disabled care,
62% of which was devoted entirely to Medicaid. The eligibility for Medicaid
covered Long-term care can be complicated, and the requirement to deplete
assets, or “spend down” can put seniors in an incredibly vulnerable (and
emotional) situation. State laws differ about how much income and assets you
can keep and still be eligible for Medicaid. (Some assets, such as your home,
may not keep you from being eligible for Medicaid.) However, federal law
requires your state to recover from your estate the costs of the Medicaid
benefits you receive. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Enter the Partnership Program.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Most states allow a dollar-for-dollar asset disregard for
claims paid on qualified partnership policies and will not require that the
policy holder exhaust the benefits offered under the partnership policy in
order to qualify for Medicaid.<span style="mso-spacerun: yes;"> </span>Under
this program, if additional coverage is needed beyond what is provided by the
qualified partnership policy, the policyholder can access Medicaid. Simply put,
whatever the policy paid toward care, that amount of hard-earned money will be
protected.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">In order for a policy to qualify as a partnership policy in
Missouri, it must have been issued after August 1, 2008, the policyholder must
be a resident in Missouri at the time the coverage became effective, the policy
must include inflation protection, and the policy has to meet the definition of
a Long Term Care insurance policy as defined in as defined in 7702B(b) of the
Internal Revenue Code of 1986. Kansas, also a partnership policy state,
requires the policyholder to be a resident of Kansas at the time coverage
became effective, the policy must be issued after April 1, 2007, it must
include inflation protection, and the policy has to meet the definition of a
Long Term Care insurance policy as defined in 7702B(b) of the Internal Revenue
Code of 1986.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Prior to 2006, when the Deficit Reduction Act (DRA) was
enacted, only four states (CA, CT, IN and NY) adopted a private-public
partnership plan to protect the assets of people unable to afford private
insurance, yet had too many assets for Medicaid. <span style="mso-spacerun: yes;"> </span>In the years since the DRA eased its
restrictions, almost every state in the country now has a partnership program.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">States like Indiana and New York offer a total asset
approach which allows an individual to keep all their assets, not just an
amount equivalent to the Partnership policy benefits received. However, for someone
to fully qualify for total asset protection their policy must provide a certain
amount of benefits.<o:p></o:p></span></div>
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<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
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<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Some of the benefits of a Partnership Program are:<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Tax-qualified.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">The
policy must provide inflation protection.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .3in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Care
eligibility does not require depleting or transferring assets.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .3in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Once
private insurance benefits are used, special Medicaid eligibility rules are
applied if additional coverage is necessary.<o:p></o:p></span></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">Regulated
premium rates.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="margin-left: .3in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";"> </span></span></span><!--[endif]--><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">States
with Partnership Policies tend to have reciprocity. <o:p></o:p></span></div>
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<span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">To locate the state insurance website to determine the rules
for each state, go to </span><a href="http://www.naic.org/state_web_map.htm"><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;">www.naic.org/state_web_map.htm</span></a><span style="font-family: "Times New Roman"; font-size: 12.0pt; line-height: 115%;"><span style="mso-spacerun: yes;"> </span><span style="mso-tab-count: 1;"> </span><o:p></o:p></span></div>
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Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-86776796271801330592015-02-10T12:39:00.001-08:002015-02-10T12:39:06.324-08:00Elder Law Video SeriesIn this video, we have the chance to hear about one family's story as they navigate the roads with an aging loved one. As an Elder Law practice, these are the types of scenarios in which our firm can be of service. Please take a look.<br />
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<a href="https://www.youtube.com/watch?v=e4trmZeYBVE">https://www.youtube.com/watch?v=e4trmZeYBVE</a><br />
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<br />Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-54893853831854415202015-01-21T08:28:00.002-08:002015-01-21T08:28:43.699-08:00A Social Security Disability Primer<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">The Social Security Act provides
financial benefits to qualified individuals who have suffered a physical or
mental disability. "Disability" is defined as the "inability to
engage in any substantially gainful activity by reason of any medically
determinable physical or mental impairment ... which has lasted or can be
expected to last for a continuous period of not less than 12 months" [<a href="file:///http/:"><span style="color: #20005e; text-decoration: none; text-underline: none;">42 U.S.C. Sec. 423(d)(1)(A)</span></a>]. This comment
briefly outlines the process of obtaining Social Security disability benefits.
Always consult an experienced legal professional in Social Security disability
cases.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">Successfully proving a disability
is the key barrier that claimants face. The U.S. Code states:<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">"An individual shall be
determined to be under a disability only if his physical or mental impairment
or impairments are of such severity that he is not only unable to do his
previous work but cannot, considering his age, education, and work experience,
engage in any other kind of substantial gainful work which exists in the
national economy, regardless of whether such work exists in the immediate area
in which he lives, or whether a specific job vacancy exists for him, or whether
he would be hired if he applied for work" [<a href="file:///http/:"><span style="color: #20005e; text-decoration: none; text-underline: none;">42 U.S.C. Sec.
423(d)(2)(A)</span></a>].<o:p></o:p></span></div>
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<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;"><br /></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">There is a five step process for
determining if an individual is "disabled" as defined above: <o:p></o:p></span></div>
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<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;"><br /></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">1. The claimant must prove that she
is not currently engaged in substantial gainful activity.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">2. The claimant must prove that she
has a severe mental or physical impairment(s) that significantly limits her
ability to perform basic work activities.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">3. The claimant must meet the
definition of "disabled." Disability is presumed if one has certain
listed impairments. Otherwise, a residual functional capacity assessment is
conducted to determine the claimant's work environment limitations. This
concludes with a job exertion category classification.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">4. The claimant must prove that her
impairment(s) prevent her from performing the physical and mental demands of
her previous work.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">5. If the claimant has satisfied
all previous four steps, then to challenge the disability classification the
Social Security Commissioner must prove that the claimant is capable of
performing some other substantially gainful work that exists in significant job
numbers in the national economy. The claimant may rebut the Commissioner's
proof.<o:p></o:p></span></div>
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<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;"><br /></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">Procedurally, a Social Security
disability claim process begins with a filing either with an authorized state
agency or the Social Security Administration. A claimant may request a
reconsideration of a denial of benefits. Denial of benefits may be subsequently
appealed to an administrative law judge and beyond that step to the Appeals
Council of the Social Security Administration. After these steps, the
unsuccessful claimant may appeal to a federal District Court.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">This court's review determines if
the Commissioner applied the proper legal standard and the Commissioner's
decision was supported by substantial evidence. Substantial evidence has been
defined to be relevant evidence that a reasonable mind might accept to support
a conclusion. The administrative law judge has broad discretion in determining
the merits of medical and other testimony. A treating physician's testimony is
not necessarily superior to that of a non-examining consultant.<o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;"><br /></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">In a January 9 decision, the
federal District Court for the Northern District of Illinois, Eastern Division,
in a sharply critical opinion, reversed and remanded an Administrative Law
Judge's denial of benefits for several reasons including using
"boilerplate" language that failed to link conclusions with evidence
in the record [<a href="file:///http/:"><span style="color: #20005e; text-decoration: none; text-underline: none;">Wilcox v. Colvin</span></a>].
Additionally, the Court criticized the Administrative Law Judge's determination
of the claimant's credibility based solely upon medical evidence, the Judge's
failure to address limited concentration in the context of an unskilled job,
and a failure to adequately address the impact of the claimant's obesity. <o:p></o:p></span></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="mso-layout-grid-align: none; mso-pagination: none; text-autospace: none;">
<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">The precise amount of benefits that
a successful disability claimant receives is calculated with a somewhat complex
formula. While private long-term disability insurance benefits typically do not
reduce Social Security disability benefits, government disability benefits such
as workers' compensation may reduce benefits in some circumstances.<o:p></o:p></span></div>
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<span style="color: #262626; font-family: Georgia; font-size: 11.0pt; mso-bidi-font-family: Georgia;">Commentators have noted
inconsistencies between Social Security decision makers in our national legal
environment. This may be unavoidable, but further emphasizes the disability
claimant's frequent need for professional representation throughout the claim
process. This brief comment can only provide a brief educational outline of a
difficult topic. Consult the Social Security Administration and experienced
professionals in specific situations.</span><span style="font-size: 11.0pt;"><o:p></o:p></span></div>
Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0tag:blogger.com,1999:blog-3452255150594988029.post-44268488491819013982014-12-20T06:46:00.001-08:002014-12-20T06:46:55.380-08:00Great News - Congress Passes ABLE Act<blockquote type="cite">
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Congress Passes ABLE Act</div>
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Yesterday, Congress passed the Achieving a Better Life Experience Act of 2014 (ABLE Act). The <a href="https://www.blogger.com/redir.aspx?C=lvmRLayNRUWbF7FG2d0EPi4Un6b679EIyJa7pksTqwxI6BY7Y8nHFw-nnIF8TyGH1UXhVAueGNw.&URL=http%3a%2f%2fr20.rs6.net%2ftn.jsp%3ff%3d001eHQYxagrYYz8TXDMhn0qd-RnLuhpE6vOAS5q6ZWYbSZN8DreMgcbVaDFZsjtV9xmyAHuzVsqil-WjVsOJiV6IkxJafTqgH7gliFNm6Av2dQSeMQOUhmS9PxYlbyy8Li7Jtl8RS3QFEyGs4k3N0BAAAjxBakl8dpork8T_Dp1uPk0n3I6rg5oqLSEeWqRyhuzUDmp0yLKSQxHdxTItmKcUYB31UfcZqforaj1Qx04CFwIUtoKmzqTo64mxYrTLA6lBFQ_0-eaglEjLNYyAU6gsJfRUI_5OewIO4G840mAbjSmfBKT8incgmgWBTqSkGss%26c%3dUl_oSQZihhPKohOGDjrJql_q80rMt1SRZCI6AMQp7s6pQ4CMu6utfg%3d%3d%26ch%3dkDvm6Jm_O0JJpFcSdIqukN0n3fKjEM0CxtE2c25_WLVsvG9aO-76IQ%3d%3d" shape="rect" style="color: #1818be; font-weight: bold;" target="_blank">ABLE Act </a>will create tax-favored accounts for children and adults whose disability occurred before the age of 26; a step in the right direction to helping families take care of their disabled children.<br />
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The purposes of this Act is to: (1) encourage and assist individuals and families in saving private funds for the purpose of supporting individuals with disabilities to maintain health, independence, and quality of life; and (2) provide secure funding for disability-related expenses of beneficiaries with disabilities that will supplement, but not supplant, benefits provided through private insurance, title XVI (Supplemental Security Income) and title XIX (Medicaid) of the Social Security Act, the beneficiary's employment, and other sources.<br />
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The ABLE Act will allow anyone to contribute to this tax-favored account however, beneficiaries are limited to one account. These accounts are able to receive up to the annual gift tax exemption (currently $14,000 per year). The ABLE Act will start to apply to taxable years beginning 2015.<br />
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The Act requires amounts in ABLE accounts to be disregarded in determining eligibility for means-tested federal programs, except distributions for housing expenses under the supplemental security income program and for amounts in an ABLE account exceeding $100,000. The payment of supplemental security income benefits to an individual are suspended during any period in which such individual has excess resources in an ABLE account, but does not suspend or affect the Medicaid eligibility of such individual.<br />
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The Act will allow qualifying parents to create tax-free savings account for their disabled or <a href="https://www.blogger.com/blogger.g?blogID=3452255150594988029" shape="rect">special needs</a> child to be used for approved expenses such as education, housing, and health care. In addition to this, another big for many families is that the savings account will not take the place of other benefits that the child may be eligible for including SSI and Medicaid. This is very important for families who have been faced with making a decision between providing for their child's future and getting their child the help that they needed through available programs now.<br />
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Over 19 organizations signed a letter of support for the ABLE Act urging congressional leaders to the pass the bill including the Autistic Self-Advocacy Network, <a href="https://www.blogger.com/blogger.g?blogID=3452255150594988029" shape="rect">Autism</a>Speaks, Muscular Dystrophy Association, and the National Federation of the Blind. Congress for a change worked together on this legislation which went through many twists and turns.</div>
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The ABLE Act has been a labor of love for a lot of advocates, but it started as an idea by a fellow father, Steve Beck. Beck has a daughter with Down syndrome.<br />
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Under existing law, individuals who qualify for SSI disability and Medicaid cannot hold more than $2,000 in assets in their own name. This creates forced poverty. Adults with Down syndrome, and other disabilities, must choose to work less, or be paid less, or not work at all so that they maintain the social support services they depend on for providing the basics. It's a system that enforces disability on the disabled.<br />
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Beck wanted to try to fix this in some measure. Kids with just 46 chromosomes can receive tax advantages through college savings accounts to help them live independently. Beck thought something similar for individuals with disabilities should be acceptable to most policy-makers. While it took some time, it turns out he was right. The ABLE Act allows a savings account for specific purposes-education, transportation, housing, and other services-to be established to benefit individuals with disabilities, like Beck's daughter.</div>
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Anonymoushttp://www.blogger.com/profile/09901133885890524827noreply@blogger.com0