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The difference between “home health care” and “non-medical in-home care” is not always clear, but it is a distinction with a big difference. “Home health care” is covered by Medicare, but “non-medical in-home care” is not. Senior citizens who fail to pay sufficient attention to which side of the line their in-home services fall may be in for a bad surprise when the provider’s bill comes due. Aside from mere …
By Marion M. Walsh, Esq., Littman Krooks LLP We all wish you a holiday season filled with peace, joy, and success. We recognize how difficult this season can be for those with disabilities or mental health challenges and for the elderly. During this time of year, especially, we remember all of those vulnerable individuals, particularly those who do not have the appropriate understanding, services, home or placement. At the same …
By Ryan J. Byrnes, Esq., Littman Krooks LLP In the movie “It’s a Wonderful Life,” when George Bailey stands on that bridge outside Bedford Falls, contemplating whether life for his young wife and five children really would be better without him, George has just one tangible asset: the $15,000 life insurance policy tucked in his suit pocket. Small-town banker George Bailey, a paragon of self-sacrifice and family responsibility, knew that …
Statistically, senior citizens are one of the happiest demographic groups in the United States. With age comes acceptance of one’s strengths and weaknesses, wisdom and an appreciation that each day is a gift not to be taken for granted. Gone are the days of competition, comparison and stress. Time opens up to allow more space for friends and family and diversions set aside earlier in life. In fact, some studies …
Medicare beneficiaries have a once-a-year chance to modify their drug prescription plans and switch to a Medicare Advantage plan for 2019. The 2019 Medicare Open Enrollment period is just around the corner. From October 15 to December 7, current Medicare beneficiaries will have the opportunity to change important aspects of their health insurance coverages. Now is the time to start thinking about 2019. Will this year’s coverages meet a beneficiaries’ …
Perhaps it was the sight of a fresh dent on your mother’s car, or a report from a family member about an unnecessarily exciting excursion when Dad was behind the wheel. Maybe it’s just the sense that Dad is having a lot of trouble getting around in that big old car. Regardless of the cause, in many families, there comes a time when family members begin to seriously question whether …
Multi-generational living arrangements are on the rise, and for good reason. Growing numbers of aging parents are seeking both comfortable surroundings and affordable care by sharing space with family members. Millennials are moving back into their parents’ home until they acquire sufficient income to live independently. And in some cases multi-generational households are being created merely because family members are discovering that they can purchase a larger, more desirable residence …
By Marion M. Walsh, Esq., Littman Krooks LLP If you are a parent sending your child off to college this year, make sure you are prepared. In the flurry of packing, parents must not overlook obtaining advance consent from their children so they can have access to important health and educational information—or risk begin left out in an emergency. Once a person turns 18, the law presumes that they have …
The rising cost of long-term care for seniors, combined with rising real estate prices, are making multi-generational co-ownership of a shared family home an increasingly attractive proposition. In theory, everyone in the family benefits from a multi-generational living arrangement. Grandparents can downsize into a smaller, affordable living space in close proximity to their children and grandchildren. The grandparents gain proximity to a family support network that will help care for …
It’s difficult for children to know when to step in and assist aging parents with their financial affairs. Conversations about money are uncomfortable and aging parents may become defensive, suspicious or confused. It is easy to see why we resist having these conversations. Unfortunately, as parents age, they will inevitably lose the capacity to manage their financial affairs. Cognitive decline, abetted by isolation, is a powerful force that makes aging …
