Have you considered that one of the most common side effects of aging parents seems to be an inevitable change in family dynamics? After being taken care of by your parents your entire childhood, followed by enjoying a beautiful co-existence with them as adults, it may now be time to take care of your parents. This can be a daunting task, but one thing may be certain in all of this. Planning for long-term care will likely make everything go smoother. With the holidays and family time approaching, it may be a good time to begin the conversation of long-term care planning. When talking to your parents about long-term care over the holidays, try to use these 5 tips:
Remember this is likely as challenging for them, as it is for you. As people age, there can often be a lot of fear surrounding the loss of control and independence. There may also be feelings of embarrassment with their children they always cared for now caring for them. Since you will likely have spent time thinking and preparing for the conversation, extend your parents the same courtesy by not ambushing them. Consider calling or sending an e-mail a few days before your visit, letting them know you would like to talk about their long-term care plan.
This is about their wishes too. While you may have your own ideas about what is best for your parents, allowing them to participate in the decision making process also allows them to retain their dignity.
Provide information. Your parents may want to do long-term care planning, but have found the entire process overwhelming. If you have done some research on wills, long-term care insurance, life insurance, and Medicaid planning, you may be in a good position to help them understand some of the basics.
Offer to assist. Instead of just providing information and leaving your parents to do the rest, offer to see the long-term care process through with them. For example, you can assist them in locating an elder law attorney and attend the appointments with them.
Consider another messenger. You know the old saying about lashing out at the ones you love the most. If the talk does not go as planned, consider having a more neutral party, such as their physician, broach the topic, and then, you can step in to assist.
While discussing long-term care planning with your parents can feel uncomfortable, you can take comfort in knowing they can relax in their golden years, once they have a secure plan for long-term care. For assistance establishing a long-term care plan, please reach out to our office to schedule an appointment.
September 21st is World Alzheimer’s day, sponsored by Alzheimer’s Disease International, to raise awareness and challenge the stigma surrounding Alzheimer’s and other forms of dementia. Currently, an estimated five-million Americans have Alzheimer’s disease, yet its symptoms may be often dismissed as a natural part of aging. Did you know that, when this happens, an Alzheimer’s diagnosis can be delayed until the disease has progressed to severe cognitive impairment, which raises the question of whether an Alzheimer’s patient can sign legal documents?
Whether a person possesses the legal capacity required to execute legal documents can be a complex analysis. The legal requirements for capacity are governed by state law and vary, but generally include the following criteria:
Orientation to self and family members; Understanding of the composition of his or her estate; and Understanding of the legal actions he or she is taking, as well as, the possible consequences of these actions
The fact that a person is diagnosed with Alzheimer’s does not necessarily mean that legal capacity is lacking. There are various stages of dementia, and a person may meet the legal requirements of capacity, especially in the earlier stages of the disease.
Inevitably, the disease will progress, and an Alzheimer’s patient will likely have diminished legal capacity. Due to impending diminished legal capacity, it can be vital to have important financial and legal conversations early on and to execute any necessary legal documents. Legal planning can be a good way to preserve a measure of dignity for an Alzheimer’s patient facing the uncertainty of what his or her future will look like. It can be a great comfort to participate in the legal planning, and helping to ensure wishes are honored in terms of the medical care he or she receives and how his or her estate is handled, both during the illness and after death. It can also be important to do some asset protection planning in anticipation of the high medical costs associated with Alzheimer’s care and treatment.
If you or your loved one has been diagnosed with Alzheimer’s disease, contacting our office early can be a significant step to conduct legal planning before capacity is diminished. We are here to help you and your loved ones set up legal protections for what can be a difficult future. Contact us today.
When we were younger, our parents tried to help us plan for the future to protect our best interests. Now, the time may have come, if you have an aging parent, to assist them in making plans for the future as well. Where do you start? Even though there may be a lot of uncomfortable questions that you have to ask, we have gathered six of the important ones for you to begin this difficult conversation. We hope that these help you and your parents to understand the needs of proper estate planning.
Do they have a health care surrogate in place?
This may be one of the most important questions to ask. You want to ensure that they may be properly taken care of should they become seriously ill. Having a health care surrogate in place, your parents can empower a trusted individual to make health care decisions on their behalf should they ever become incapacitated. The decision of who to appoint should not be taken lightly. Try to ensure the person that they have chosen is responsible and, of course, is of sound mind.
Where are the original estate planning documents kept?
If the time arrives when your parent becomes incapacitated or dies, do you know where the original estate planning documents are? The original documents can be necessary and, also, required to commence probate. In fact, if you do not have the original, it may be very difficult to probate the estate according to the terms of the missing will.
Are your parents’ estate planning documents up-to-date?
To be most effective, an estate plan should remain up-to-date. Estate plans should reflect current living circumstances and major life events. This means that your parents should take the time to periodically review their estate plans for accuracy. It can be especially important to review and update estate plans after major life events such as a birth or a death in the family.
Have your parents chosen trusted decision-makers?
Talk to your parents about the people they have appointed in their estate planning documents. This could refer to a power of attorney agent, a health care surrogate, or a personal representative. All of these positions put the selected individual in an important position that should not be taken lightly. Help your parents reflect on their selections to make sure they have selected trustworthy individuals who are properly equipped to handle the responsibilities before them.
If your parents have a trust, is it properly funded?
If not, it could mean a long and expensive probate before you can have access to their assets. To understand it a little better, remember that funding a trust means taking assets that are titled in the individual settlor’s name and retitling them into the name of the settlor’s trust.
Is your parent working with an attorney they trust?
An estate planning attorney is tasked with the critical job of helping to ensure that estate plans are properly drafted and accurately reflect the needs and wishes of those establishing them. Talk to your parents about the estate planning attorney they have worked with or are working with to help ensure that they are both confident and comfortable with their selection.
For more information on important estate planning questions that should be addressed, our office is here to provide you with much needed answers. Get in touch with us today to schedule a meeting.
How do you respond to a health care emergency involving a senior loved one? The COVID-19 crisis has forced millions of families to confront this important question. The pandemic has hit elder adults disproportionately harder than the rest of society. Too often families realized they lacked the basic health care documents needed to act effectively on their behalf.
The coronavirus scare is far from over and taking steps to protect a senior relative means addressing key estate planning items. Many people think of estate planning as pertaining to wills and trusts, but it also means drafting legally sound health care documents, such as a health care surrogate, a living will, a health care privacy release, and more.
Whether a hedge against the coronavirus, or other health considerations like dementia and Alzheimer’s Disease, let us discuss four mistakes to avoid when using estate documents to advocate for a senior loved one:
Failing to understand a living will. A living will differs from a last will and testament. It is a completely separate legal document that tells others what an elderly family member’s personal choices are concerning their health care, and, in particular, end-of-life medical decisions. A living will is also different from a health care surrogate in that the elder adult’s “agent” must abide by the instructions laid out in the living will document.
Not knowing what the elder adult wanted. If an elder loved one’s health care wishes are either unknown or unclear, then even the most expertly drafted documents can be lacking. Make sure to have specific conversations with an older loved one about health care and put them in writing. This can serve as the basis for constructing accurate health documents, or updating them, and provide future guidance to more effectively advocate for them.
Failing to understand a health care surrogate. A health care surrogate may be one of the most important health care estate items an elder family member and trusted advocate can have. They may be useless, however, if poorly constructed or if the agent fails to understand his or her granted authorities.
Choosing the wrong “agent.” Advocating for an elder loved one involves a lot more than legal documents. While critical, they cannot impart tenacity, communication skills, or the ability to observe and question results. Those qualities must come from the chosen advocate. If they are lacking, families should not wait long before choosing someone who is up to the task.
Health care planning may have never been more important than it is now in these times of great uncertainty. If you or someone you know would like more information or guidance on related legal matters, contact our office to schedule a meeting.
A positive Alzheimer’s Diagnosis is a life-changing event both for the person receiving it and for those who care about him or her. Did you know that understanding the diagnosis and early stages of the disease are critical for identifying effective medical treatments, caregiving options, and future planning items aimed at providing long-term care?
June is Alzheimer’s and Brain Awareness Month. Alzheimer’s is a brain disease and the most common form of dementia, which is a general term for memory loss and degenerative mental capability. Toxic changes in the brain occur long before any Alzheimer’s symptoms are exhibited. Abnormal protein deposits form plaques throughout the brain and cause healthy neurons to cease functioning. To diagnose Alzheimer’s, doctors conduct tests to assess memory impairment, cognitive reasoning skills, functional abilities, and behavioral changes. They also perform a series of tests to rule out other possible causes of impairment.
While there is no known cure for Alzheimer’s Disease, family caregivers and adult children can better understand a senior loved one’s diagnosis by asking the evaluating physician important questions, such as:
What tests or tools were used to determine the diagnosis?
What were you measuring when the tests were performed?
How will the disease progress?
What treatment options are available?
What care planning services do you provide?
What support services or resources are available to help with the disease?
Early detection usually provides the best opportunities for long-term care and access to clinical trials. Traditional and experimental drug and non-drug interventions can ease the burden of the disease, and slow memory loss and other symptoms. If diagnosed during more developed stages, specializing physicians can still impart caregiving strategies to enhance safety and maximize quality of life for as long as possible.
Understanding an Alzheimer’s Diagnosis also helps families plan for the future. For example, a trusted family member can obtain a durable power of attorney document that would allow him or her to make binding decisions on the elder adult’s behalf when the elder adult is no longer competent. Advance health care directives, medical privacy releases, and updates to estate plans are also important planning items for long-term care needs and inheritance wishes.
If you or someone you know would like more information or guidance on related legal issues, we are here to help. As an elder law firm, we are committed to providing legal counsel on matters relating to degenerative diseases such as Alzheimer’s. Contact us today to schedule a meeting.
Since 1963, the month of May has been devoted to honoring and supporting the nation’s senior population. Older Americans are an indispensable part of our shared society and the annual May designation of National Older Americans Month formally recognizes their value. May is also National Elder Law Month, which is dedicated to promoting and providing legal support for a wide range of senior-related issues.
Without the aid of family caregivers, however, millions of seniors could be at risk. Indeed, family caregivers are integral to year-round elder care. In honor of National Older Americans Month, National Elder Law Month and family caregivers across the country, let us share a few much needed resources on our blog.
1. Respite care. Caregiving can be a tremendous sacrifice in terms of time, money, and opportunity costs, especially if a senior loved one has a physical or mental health disability. Often, caregivers are at risk of developing their own health problems due to exhaustion and unmet needs. Respite care, however, can allow caregivers to take breaks and care for themselves.
National Adult Day Services Association. This is a professional organization that provides adult day care consumer resources, including an adult day care locator and counseling on choosing the right facility for a senior loved one.
Senior Corps. Senior Corps’ Senior Companions program provides respite care by matching older volunteers with seniors who need help with daily tasks.
2. Health Care. Older Americans need good health care. They also need to find a way to pay for it. Let us share a few resources with you that can help you and your family with both.
Department of Veterans Affairs. The V.A. provides a vast array of support services for qualifying senior veterans and their families, including a paid family caregiver benefit. The program is called Veteran-Directed Home and Community Based Services. Elder law attorneys are potent advocates for senior veterans’ rights and often help secure V.A. benefits if they are denied.
Medicare. Medicare is a massive federal health program for people aged 65 and older. Senior caregivers might not realize that Medicare covers home health and skilled nursing services in certain circumstances.
Medicaid. Medicaid is a federal-state partnership program that provides health coverage for people with limited income and assets. Medicaid can also pay for long-term care in nursing homes.
SHIPs. State Health Insurance Assistance Programs, or SHIPs, provide free support to Medicare beneficiaries and their caregivers.
3. Legal. You need a trusted advocate on your side at all times. Navigating the myriad of issues that Older Americans and their families face, is not always easy. Know that, at all times, we are here to help.
National Academy of Elder Law Attorneys — NAELA is a nonprofit association of lawyers and organizations that provides legal services for older adults and people with special needs. NAELA established National Elder Law Month as a way to acknowledge the elder law profession and provide critical support for the nation’s senior community.
We know that you may have questions based on these resources we are sharing with you. If you or someone you know would like more information or specific guidance on legal matters, do not wait to contact us today.