Six Questions to Ask Your Aging Parents

Six Questions to Ask Your Aging Parents

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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

  1. 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.

Tips for Seniors in Preparation for Hurricane Season

Tips for Seniors in Preparation for Hurricane Season

As storm season approaches, the safety of our senior loved ones is a high priority. Have you considered the importance of the actions we take now to prepare for evacuating in the time of COVID-19? Let us review our hurricane preparedness checklist to help you anticipate an evacuation or emergency that might arise in the wake of a catastrophic storm. 

1. Appoint a Check-In Person. With power outages likely and access to essential services potentially cut off, it can be critical to have an able-bodied person checking in periodically to ensure you or your loved one has everything they need. Preferably, it should be someone who lives nearby and can provide support if evacuation orders are issued. Your check-in person should have a list of important numbers, including close relatives and doctors, to relay information if needed. 

 2. Prepare an Emergency Kit. Your hurricane kit should be assembled and placed into a sealable, water-tight tub to keep items dry and safe. Keep your kit close at hand, up off the floor, and easily accessible so you can just grab and go. Here is a list of items you should include in your storm emergency kit:

  •     Flashlight and plenty of batteries
  •     Battery or crank-operated radio
  •     Blanket
  •     Face masks, disposable gloves, and hand sanitizer
  •     List of emergency contact numbers
  •     A couple of changes of clothes, socks, and shoes
  •     Toiletries
  •     Fully stocked first aid kit
  •     At least three days’ worth of medication and pharmacy contact info
  •     Extra emergency medications like inhalers if needed
  •     Cell phone charger
  •     An additional mobile phone, in case the primary phone is damaged by water
  •     Hearing aid batteries, if needed
  •     Extra pair of glasses, if needed
  •     A little bit of cash
  •     Important documents, such as identification and medical alert info
  •     Medical devices, such as diabetic or CPAP supplies, as needed
  •     Protein bars, almonds, or other high-nutrient snacks

 3. Stock up on non-perishable foods. Fill a cupboard with canned goods and other non-perishable food items. Be sure you have a manual can opener too. Lay in a supply of bottled water. A good rule of thumb is one gallon per person or pet for every three days. If you have a pet, purchase extra food and other essential supplies for them as well. 

Being prepared in an emergency will help you and your loved ones weather the storm without undue worry. If you have concerns about a vulnerable senior in your life, reach out to them to find out how you can help them stay safe during hurricane season. For more information on how you can prepare for hurricane season, and related legal matters, please feel free to give our office a call.

Three Reasons Not to Put Off Estate Planning

Three Reasons Not to Put Off Estate Planning

Do you have an estate plan yet? If not, why not? Be honest. Have you been procrastinating? If so, you are not alone. Many people put off making an estate plan. They may procrastinate because they think they do not have enough assets to make it worthwhile. Some people may think they are too young to consider it. Some may see making an estate plan as a stark reminder of their own mortality, and avoid it based on that. Still others, who are unmarried and have no immediate family, may feel there is no need to create an estate plan at all. Perhaps one or more of these reasons resonates with you. To be honest, however, these reasons are all based on common misconceptions about estate planning. Estate planning is important for everyone and there is no time like the present to put your estate plan in place. Let us take a look at three compelling reasons to stop putting off estate planning.

1. An estate plan provides peace of mind. Few of us want to think about dying, getting seriously injured, or being diagnosed with a serious illness. As we all know, however, death is inevitable and injury and illnesses occur. The potential of catastrophic illness or injury is remote, but still all too real. A comprehensive estate plan gives you some say in what will happen if you are seriously hurt or ill and cannot express your wishes. One document in an estate plan that does this is a health care surrogate. This document allows you to designate someone to ensure that your preferences regarding treatment are carried out if you cannot speak for yourself. Furthermore, a living will allows you to specify how much and which medical interventions you would want at end of life. 

2. An estate plan addresses practical concerns regarding your family’s future care. The legal documents in an estate plan vary based on each person’s immediate and long-term concerns. With that said, most estate plans include a last will and testament and one or more trusts. That is because these legal tools allow people to make certain provisions for their families. For example, a will allows you to designate someone as a guardian to care for your young children after you die. Wills and trusts also allow you to allocate money for your kids’ immediate and future needs in the event of your death. Without an estate plan in place, the courts will intervene when necessary. The courts may intervene to appoint a guardian for your minor children or determine the best use of your assets for them.

3. An estate plan lets you determine how your assets are distributed. Making an estate plan gives you significant control over what happens to your assets after you die. This is because wills and trusts allow you to specify who receives your assets. They also allow you to name someone, such as a personal representative, to ensure your instructions for the distribution of your assets are carried out. Absent any estate planning documents, your property will be distributed as per applicable state laws. 

If you still have questions about estate planning and its importance, we are here to help. Simply call our office to schedule a consultation at your earliest convenience. 

4 Mistakes Families Can Make When Advocating for Senior Loved Ones

4 Mistakes Families Can Make When Advocating for Senior Loved Ones

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.

How to Understand an Alzheimer’s Diagnosis

How to Understand an Alzheimer’s Diagnosis

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.

Older Americans Month Involves Much Needed Resources for Family Caregivers

Older Americans Month Involves Much Needed Resources for Family Caregivers

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.

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.