Collectively, Americans are getting older. As a result, experts predict a significant shift in demographics in the next fifteen years. They say by2035, the number of people in the United States age 65 and older will greatly outnumber the number of people here age 18 and under. They also say by 2030, all Baby Boomers will be at least 65. In other words,1 out of every 5 Americans will be eligible to retire in ten years.
As a result, there is heightened public awareness about age-related issues. Being properly informed can help you recognize when you or a loved one may need help. It will also allow you to address age-related relevant concerns such as a potential need for long-term care.
With a bit of luck, you and your loved ones will be happy and healthy well into your older years. With time, however, you may succumb to some of the common effects of aging or you may already be experiencing them. These can include, but are not limited to, physical ailments such as:
Loss of strength
as well as cognitive impairment, such as:
Memory loss and personality changes not related to Alzheimer’s Disease
Memory loss and personality changes related to Alzheimer’s Disease and similar conditions
Other issues impacting Older Americans include grief, especially following the loss of a spouse, social isolation following retirement, and loneliness. These issues can exacerbate chronic and underlying health conditions. They can also cause anxiety, depression, and even over-reliance on alcohol or medication. They can also make you more susceptible to criminal activity, such as fraud and other forms of financial exploitation.
We know that this blog may highlight concerns you are having for yourself or for a loved one. Remember, it is never too soon to start asking questions and get the support you need in your local community. Long-term care challenges are not easy but we can work together to develop a plan for what is ahead. We routinely work with seniors and their loved ones, and encourage you to schedule a meeting to discuss these, as well as other, important issues.
For most of us, the idea of moving to a nursing home can be a difficult subject to discuss. Whether you are a Florida senior who needs to consider moving out of the home or an adult child looking to help your aging parent, you may be confused as to where to start. Where do you find the information you need? How do you know how to choose the right facility for you? How will you be able to afford it?
We deal with each of these questions on a daily basis when we work with our clients and their loved ones. We know the challenges you face and want to be able to help you navigate these issues.
As you complete your research on finding the right nursing home for you or a loved one, you need to have the right tools to review and compare the places you are considering. Medicare does have a resource for you. Medicare has created the Nursing Home Compare Tool. According to Medicare, when using this tool, you may find “detailed information about every Medicare nursing home in the country.” You can perform a search using city, state, and zip code features.
Recently, The Center for Medicare and Medicaid Services (CMS) has made an effort to give consumers even more critical information. We have been watching these chances that were announced to be put into play this year. CMS reported that updates were coming “to Nursing Home Compare and the Five-Star Quality Rating System to strengthen this tool for consumers to compare quality between nursing homes.”
How does this work? According to The Center for Medicare and Medicaid Services:
“Nursing Home Compare has a quality rating system that gives each nursing home a rating between 1 and 5 stars. Nursing homes with 5 stars are considered to have above average quality and nursing homes with 1 star are considered to have quality below average. There is one Overall 5-star rating for each nursing home, and a separate rating for each of the following three factors:
Health Inspections: Inspections include the findings on compliance to Medicare and Medicaid health and safety requirements from onsite surveys conducted by state survey agencies at nursing homes.
Staffing Levels: The staffing levels are the numbers of nurses available to care for patients in a nursing home at any given time.
Quality Measures: The quality of resident care measures are based on resident assessment and Medicare claims data.”
Further, on October 7, 2019, CMS announced more enhancements where “CMS will display a consumer alert icon next to nursing homes that have been cited for incidents of abuse, neglect, or exploitation. According to CMS, this critical move toward improved transparency is yet another way the Agency is delivering on its five-part approach to ensuring safety and quality in nursing homes.”
We know this article may raise more questions than it answers. We also know the challenges you face when searching for nursing home care for yourself or a loved one. We encourage you not to wait to reach out to us and schedule a meeting to find answers to your questions.
On June 15, citizens worldwide will commemorate World Elder Abuse Awareness Day to help bring awareness to the millions of older adults subject to elder abuse, neglect, and exploitation each year. According to the Department of Health and Human Services, 2.1 million older Americans are mistreated annually, and that’s just the beginning. For every case of elder abuse reported, as many as five more remain unreported.
How do we protect our Florida loved ones from becoming the next unsuspecting victim of elder abuse? We want to share with you some simple steps that you can take to help protect your loved ones from harm.
1. Be proactive. Even if your loved one is in good health, being prepared in the event of an emergency will provide you both with some comfort. Encourage your loved one to establish an agent through his or her Durable Power of Attorney, designate a health care surrogate, and create a living will or a trust before an emergency occurs or his or her mental capacity diminishes. Work with your loved one and his or her attorney now to plan for any long-term care decisions that may need to be made in the future. These crucial legal decisions can help protect your loved one’s assets and simplify any future legal needs.
2. Stay informed. Make a point to visit your loved one often. By keeping in regular contact, you will recognize changes in behavior and have an opportunity to step in and take over affairs if necessary. Be involved, ask direct questions, and pay attention. Asking simple questions – for example, did you make this transaction? Or how did you get that bruise? – may reveal underlying issues and provide your loved one with a reliable outlet to express his or her concerns.
3. Know the signs. Elder care abuse typically begins with isolation. It’s crucial to have access to your loved one at any time of day or night. Not being allowed to meet with your loved one alone, unexplained signs of injury, or your loved one being taken to multiple medical facilities for treatment may signal that abuse is occurring. Keep in mind that abuse is not always physical. Neglect, emotional abuse, and financial exploitation are all forms of elder care abuse.
4. Check-in regularly, even from afar. If you live in a different state from your aging parent, you may not be immediately available to address any sudden changes in his or her health or daily needs. Many long-distance caregivers seek help from geriatric case managers and elder care law attorneys to oversee the day-to-day financial, medical, and long-term care concerns of their loved ones. Establishing a local support system is crucial. In addition to your elder care attorney, recruit the help of local neighbors, family, and friends to check in on your loved one every day or two. If the time comes that a caring neighbor isn’t enough, you may wish to consider long-term care options to ensure your loved one is receiving more assistance than can reasonably be provided at home and we can guide you through this process.
5. Know when to take further action. Remember, at all times we are a resource for you. Further, if you suspect your loved one is in immediate danger, don’t hesitate to call 911 or report the suspected abuse. If you don’t believe the danger is immediate but suspect abuse is occurring, voice your concerns to adult protective services, the state ombudsman, or involve the local police department. When it comes to protecting your loved one, no measure is too extreme.
Does this article raise more questions than it answers for you? We know how to plan for the elder care law needs of you and your Florida loved ones. Do not hesitate to contact our office to schedule a meeting about your planning needs.
Each month, many of us worry how to best ensure that our older parents who live alone in Florida are safe. This starts with making sure that our senior loved one has the Florida estate and long-term care planning he or she needs to protect him or herself now, and well into the future.
While for many of us it is enough to have basic estate planning in place, this is not the case for Older Americans living in Florida. “Older Americans” are the generation of individuals who are over 60 years of age. These seniors especially need to prepare for a time when they may need long-term care assistance outside the home.The cost of long-term care continues to rise and Florida seniors are at risk of losing all of their assets if they do not plan ahead for long-term care.
The rising cost of long-term care is just one type of protection that Florida seniors need. Today, the scams that target Older Americans continue to be on the rise. Each month, there are new scams that emerge that specifically target elders. Let us help you protect yourself and the seniors you love by sharing several of the most common scams with you.
1. Medicare scams. No matter what month of the year it is, Medicare scammers continue to target Older Americans. These scammers have a variety of ways to interact with their intended senior victims. Discussions of copayments, coverage, and medication, are just the beginning. They reach out to seniors in numerous ways including through the mail and phone scams. As a senior, be wary of any call or piece of mail you receive claiming to be from Medicare.
2. Hurricane insurance companies. Insurance scams are especially on the rise in Florida. In the wake of recent hurricanes, seniors not only need to watch out for false construction repair companies but also for companies trying to sell them fraudulent insurance policies. Although hurricane insurance can have a significant value for you and your senior loved ones, before providing any financial information to a policy that you believe would help you, do your research. Investigate to make sure that the company is a real company and is not attempting to scam you.
3. Jury Duty Scams. Recently, more and more jury duty scams are on the rise. This type of scam focuses on telling seniors that they have to call in and report for mandatory jury duty. This phone number, may try to extort money from the senior or obtain access to private information. This scam may also track the senior’s phone number and collect any data that he or she may give. Be extremely suspicious of any piece of mail that you receive and call your local courthouse before responding or taking any action.
Do not wait to take action to protect your aging parents from threats like these listed in this article. Seniors need more protection. Do not wait to contact us and let our form protect you and the Older Americans you love most.
Ensuring your loved one with autism’s elder care needs are provided for in the event you are no longer here, is a critical planning step. You need to create the special needs planning that will ensure he or she is not only protected but will not lose access to vitally important government benefits. For programs such as Florida Medicaid, there are strict income and asset requirements that must be adhered to in order to remain qualified.
We work with Florida seniors and their loved ones on these very issues every day. It is important for you to put special needs planning in place to ensure that your autistic loved one can be taken care of when you are no longer able to assume the responsibility. Without special needs planning in place, your loved one could lose the benefits he or she relies on.
If you are creating a long-term care plan for someone with autism, let us share a few questions you can ask.
1. Will I still be the disabled person’s decision maker once he or she becomes an adult?
No. Just like any other adult, people with autism become legal adults when they reach the age of majority. Even someone will severe developmental, cognitive and/or mental health disabilities is able to make legal decisions at this age.
2. Should I become the guardian of my child with autism?
Yes. Guardianship of a developmentally disabled person, however, is different from a guardianship that is needed for reasons of incapacity later in life.
3. What should I do first?
Start by assessing which areas of your child’s life he or she can maintain control over. This may include medical, educational, financial or vocational decisions. The key is that he or she remain safe at all times and not be a danger to himself, herself or others. What your child cannot handle independently could be put under your authority through the Florida guardian advocacy process.
4. Is an attorney necessary for this process?
An attorney is extremely helpful during this process although you can represent yourself pro se. Your attorney will have specific experience with these matters and the challenges you face. He or she can help answer questions and provide guidance on how to navigate this legal landscape.
5. Do I name another guardian in case something happens to me?
Speak with your attorney about this as soon as possible. You do want to plan ahead for when you could pass away or no longer be able to handle the responsibility of caring for your loved one with special needs.
6. Are there any government assistance benefits that can help my loved one in the future?
Yes. We help seniors and their loved ones gain access to programs such as Florida Medicaid. Both Medicaid and Supplemental Security Income (SSI) are two examples of government assistance.
7. Is there another way to ensure my loved one is financially stable?
A special needs trust can be established through which you can leave money to your disabled loved one. This type of trusts protects the money of a third-party so the disabled individual may still qualify for government benefits. Depending on where the funds for the trust originate from, there are different special needs trust available. Your attorney will help you determine which trust is right for you.
Creating a plan for a loved one with autism is one of the most important steps you can take to ensure his or her future. Remember, ensuring continued access to Florida Medicaid and other government programs is critical. Do not hesitate to schedule a meeting with a member of our legal team to discuss this further!
When deciding between a trust agreement and a last will and testament, there are many things to consider. You need the right plan in place for you and your loved ones. When it comes to elder care law, what is the difference between will and trust planning?
The first, and arguably most important, is that wills do not offer the complete coverage you need in Florida. This is a key difference between will and trust planning. A will, on its own, cannot be your financial, legal and medical plan. It is only used when you pass away and does nothing to protect you from the high costs of long-term care or the guardianship court. A trust agreement, however, can offer more comprehensive planning in Florida.
Together, you and your elder care attorney can create a plan to meet your specific needs. We know it can be challenging to understand the difference between will and trust planning. Let us share a few critical reasons why you need a trust agreement instead of a will to protect your elder care needs.
1. Stay out of probate court. When you place your assets in a trust, you do not own them – your trust does. This is a key difference between will and trust planning documents. Your trust is seen by the eyes of the court as a “legal person.” You control the assets as if they are yours throughout your lifetime. When you die, only your assets go through probate. Since your assets are placed in a trust and you legally do not own the trust property, it doesn’t have to go through probate.
2. Trusts are completely private. A trust agreement is a private document. Unlike a will, which becomes public through the Florida private process, a trust ensures your privacy. If you want to make an important legal decision but want it to remain private, such as disinheriting a child, this may be the planning choice you want to use.
3. Trust agreements are quicker than probate. In probate, you are subject to the court’s timeline. This can be a process that lasts months or years. Timing is a main difference between will and trust planning. Because trust agreements are managed by an attorney and not subject to probate, the trust administration process can be much quicker.
4. Trusts allow you to protect your assets. While a will simply lays out instructions for your assets and beneficiaries once you pass away, a trust agreement allows you to maintain control of your assets. This can include protecting your assets from the high cost of long-term care. Specific trusts can be created to reach very specific goals. Do not wait to discuss this with your attorney.
5. Trusts can take the place of a durable power of attorney. If you become incapacitated, your trustee can manage your assets in trust without court supervision. In this capacity, having a trust can take the place of your durable power of attorney. This a yet another main difference between will and trust planning that is a key consideration for you.
Most people assume creating a will is enough to protect themselves and their family members but this is far from the truth. Our goal in this article is to share the difference between will and trust planning. We know you may have many more questions and want you to contact our office to let us help you protect your future!