Elder Law

The Issue of Nursing Home Evictions

Nursing home evictions are an issue for many elderly people. Reports of evictions and complaints against nursing homes attempting to evict patients are widespread. Nursing homes are businesses and eviction problems often occur for residents when financial issues arise. 

Federal Regulations 

There are federal regulations concerning nursing home evictions. However, it is largely dependent on the state to enforce these regulations. Some residents or their families choose to fight back with complaints and legal action. Unfortunately, many of these cases go unreported as is the case with other types of elder abuse. 

Eviction Guidelines 

Nursing homes do have guidelines that allow for evictions in certain cases. A resident may be evicted but the facility must follow the minimum guidelines of federal and state law to be successful. One reason an elderly person may be evicted is if their clinical or behavioral status puts others in the facility in danger. This is one of the reasons often cited for discharging patients involuntarily. 

Force Discharge 

Force discharges are also commonly attributed to the patient’s care not being paid. This can happen when private pay patients run out of resources and fall back on enrollment in Medicaid.  This program pays substantially less for the same service and the home is looking to replace this lost income.  Another common trigger for eviction notices occurs when Medicare patients change from being a patient under the Medicare program to requalifying under Medicaid.  This transition can mean a reduction in the resources the facility is being paid. 

Involuntary Discharge 

Involuntary discharge can also occur if the facility is unable to meet the resident’s needs or if it is necessary for the resident’s welfare.  A patient’s needs and the facility’s ability to meet those needs should be assessed before the person is admitted to the facility. For this reason, the inability to meet a patient’s needs should be a rare reason for discharge. If it is determined that the person no longer needs the care the nursing home provides, they can be discharged. Finally, if the facility is closing, patients can be legally discharged. 

Be Informed 

It is important for residents and their families to do their homework and be informed about the regulations governing nursing homes. Not only must nursing homes follow these regulations, but they must also follow strict procedural guidelines in order to evict. If these guidelines are not strictly followed, the discharge can be reversed. If a resident is threatened with eviction, this must be done in writing and must include a written reason for the eviction. If you or your family receives a discharge notice, contact an elder law attorney immediately

Even if the resident does not want to stay in that particular facility, it is important to take the discharge notice to an attorney because it may affect the patient’s ability to get into another facility. The window for appeals is short so be sure to contact an attorney quickly in order to give the attorney time to build the case and file the appropriate documents. The Nursing Home Reform Act helps to protect residents. The problem is that many people are uninformed and miss their opportunity to appeal these evictions. Timely response is essential in these cases. 

Living in a nursing home is a difficult experience for many patients and their families. A threat of eviction adds stress to the situation.  Contact our office at 718-979-7477 to schedule an evaluation.  We are your best advocate to enforce your loved one’s rights as a nursing home resident and provide protection within the mandatory time frames.

 

 

The Stress of Caring for Aging Parents Alongside Raising Children

In 2006, Miriam Webster included the term sandwich generation in the dictionary for the first time. Sandwich generation is defined as “a generation of people, typically in their thirties or forties, responsible for bringing up their own children and for the care of their aging parents”. This is occurring because medicine and technology are allowing people to live longer and couples are waiting to start families at a later age. This often leaves people sandwiched between caring for both aging loved ones and young children simultaneously. 

Financial and Time Burdens Placed on the Sandwich Generation

One major issue for the sandwich generation is financial burden. Because many in the sandwich generation may not have anticipated the need to provide for their aging parents, they may be stretched thin financially. Another issue for this group that is often compounded by financial struggle is stress. When pulling double duty of caring for children and aging parents, stress is an understandable and expected side effect. Whatever the living situation of the aging parent, the responsibilities of caring for the aging parent often adds to the already busy schedule related to parenting their own children. The sandwich generation then feels pulled in too many directions. This can often leave them feeling as though they do not have enough of themselves to give to everyone who depends upon them which in turn leads to guilt and burnout. 

Depression in the Sandwich Generation

Stress and financial burdens can contribute to feelings of depression.  Depression can set in when the sandwich generation has little time for hobbies or social interactions, leaving them feeling isolated. The bottom line is that the sandwich generation must recognize these potential problems and find ways to deal with them. Otherwise they will be ineffective in their care for aging parents and their own children and the pressure will continue to mount. 

Dealing with Issues for the Sandwich Generation

In order to be a good caregiver, the sandwich generation must find ways to take care of themselves and to ask for and accept help when necessary. One way for the sandwich generation to find time for themselves is respite care. Respite care provides short-term relief from caregiving responsibilities. Respite care provides a way for caregivers to find time for themselves and take care of other family responsibilities. 

Caregivers should plan ahead for tasks and finances to help tackle stress and financial burdens. Having a family meeting to delegate responsibilities to other family members can be very beneficial. This means giving up some things to the spouse and children. Meeting with siblings or other involved family members to share the task of caring for the aging parent can help to lessen the burden on one person. Having a close friend to talk to about the struggles can also be a very therapeutic way to deal with the stress experienced by the sandwich generation. 

Being a member of the sandwich generation has many challenges. The demands on a person caring for aging parents while also raising their own family can be overwhelming. Self-care is essential to avoiding the pitfalls associated with caregiving. In addition, it is important to remember that it is perfectly acceptable to seek or ask for help in order to maintain mental health and provide good care for everyone. 

Contact our office at 718-979-7477 to begin planning for the financial and long term care of your aging parents today.

 

 

Simplify Your Life with a Bill Paying Service for Seniors

If you are a senior or have a loved one who is struggling with the process of paying their household bills, Silver Bills can eliminate the task and alleviate the worry about proper handling of monthly bills. As many baby boomers continue to opt for aging in place, home administrative tasks can become difficult. Family members who would like to help may live out of state or are too busy in their own careers to manage a loved one's household bills. Silver Bills has created a seamless service that will handle bill paying on your behalf.

How a Bill Paying Service Works

At your direction, Silver Bills will mail you an enrollment packet. You will need to provide bills and one voided check to Silver Bills in the envelope they provide. Silver Bills then converts your bills to “ebills”. Once enrolled in the service you will have a dedicated customer service representative that will assist you with any concerns or questions. Silver Bill’s service will receive, review, and ensure that your bills are paid. The service guarantees that you will not incur late fees or penalties.

Benefits of Utilizing a Bill Paying Service

Automating your bills through a bill paying service is becoming more commonplace particularly for seniors 75 and older. A bill paying service means you will no longer need to go to the mailbox or PO Box on a regular basis to look for bills. You will also not need to purchase stamps, worry about due dates, or write checks.  Once a month you will receive a statement showing your bills have been paid. There are no contracts; you can cancel your service at any time. Silver Bills uses the same 256-bit encryption used by banks so that your transactions are secure. 

Additional  Information and Tips

Silver Bills is one of a growing number of daily money management companies. The services are typically expensive ($100 and up, per month) but the peace of mind a family can have knowing the day-to-day bills are being correctly handled is worth the price to many. The American Association of Daily Money Managers is an online resource that can help you find the right professional service for you or your loved one. Always ask for references and check accreditations before allowing access to your banking information.  You should also be aware that these bill paying services do not act as accountants or financial advisers. They are similar to having a personal financial assistant with the added bonus of consumer advocacy because they look for bill errors and potential fraud.

There are many reasons that accurate bill paying becomes unmanageable for seniors. Silver Bills and services like them can help. Talk with your family or advisor to see if it is the right choice for you. Contact our office at 718-979-7477 if you have any questions or would like assistance with your financial planning needs.If you are a senior or have a loved one who is struggling with the process of paying their household bills, Silver Bills can eliminate the task and alleviate the worry about proper handling of monthly bills. As many baby boomers continue to opt for aging in place, home administrative tasks can become difficult. Family members who would like to help may live out of state or are too busy in their own careers to manage a loved one's household bills. Silver Bills has created a seamless service that will handle bill paying on your behalf.

How a Bill Paying Service Works

At your direction, Silver Bills will mail you an enrollment packet. You will need to provide bills and one voided check to Silver Bills in the envelope they provide. Silver Bills then converts your bills to “ebills”. Once enrolled in the service you will have a dedicated customer service representative that will assist you with any concerns or questions. Silver Bill’s service will receive, review, and ensure that your bills are paid. The service guarantees that you will not incur late fees or penalties.

Benefits of Utilizing a Bill Paying Service

Automating your bills through a bill paying service is becoming more commonplace particularly for seniors 75 and older. A bill paying service means you will no longer need to go to the mailbox or PO Box on a regular basis to look for bills. You will also not need to purchase stamps, worry about due dates, or write checks.  Once a month you will receive a statement showing your bills have been paid. There are no contracts; you can cancel your service at any time. Silver Bills uses the same 256-bit encryption used by banks so that your transactions are secure. 

Additional  Information and Tips

Silver Bills is one of a growing number of daily money management companies. The services are typically expensive ($100 and up, per month) but the peace of mind a family can have knowing the day-to-day bills are being correctly handled is worth the price to many. The American Association of Daily Money Managers is an online resource that can help you find the right professional service for you or your loved one. Always ask for references and check accreditations before allowing access to your banking information.  You should also be aware that these bill paying services do not act as accountants or financial advisers. They are similar to having a personal financial assistant with the added bonus of consumer advocacy because they look for bill errors and potential fraud.

There are many reasons that accurate bill paying becomes unmanageable for seniors. Silver Bills and services like them can help. Talk with your family or advisor to see if it is the right choice for you. Contact our office at 718-979-7477 if you have any questions or would like assistance with your financial planning needs.

The Potential Cost of Wedded Bliss

When people marry for the second, third, or fourth (or more) time, losing assets to pay for their new spouse’s serious illness is probably the last thing on their minds when they say “I do.” But that could very well happen.

Current costs for long-term care facilities can run between $70,000 – $150,000 annually. Studies show that 70% of Americans will need that kind of care, perhaps for three years or longer, in their life.

If one spouse in a marriage becomes ill, the assets of both spouses are, by and large, required to be spent on the ill spouse’s care before Medicaid benefits become available. This could be a big problem, especially if money that the well spouse had saved for her children’s’ inheritances goes to pay for the ill new spouse’s care instead.

With careful planning, this can be avoided. Financial arrangements can be made to protect the estate of the well spouse and to ensure that the spouse who needs care will be responsible to pay his or her own way.

The benefits rules do provide that the spouse who does not need care yet may keep an allowance of a certain sum for that spouse’s benefit. This is known as the “Community Spouse Resource Allowance” (CSRA). But many find that the CSRA is too small to permit the well spouse to maintain their standard of living, pay for retirement, and still leave enough for the children to inherit.

Any planning or shifting of assets must be done very carefully and only after consulting with experienced professionals knowledgeable about Medicaid asset protection strategies.

The Medicaid rules heavily penalize transfers of assets made without receiving value in return. Gifts, in other words. Assets can be protected, though, by a number of strategies that are permitted by the Medicaid rules. Some or all of the well spouse’s assets could buy a Medicaid-compliant annuity. This would provide an income stream for the well spouse, without the assets being otherwise deemed available to pay for the ill spouse’s care.

In turn, the assets of the spouse needing care could be transferred to people whom that person especially trusts: a trustee, or an agent for financial affairs, or a family member or beneficiary. That kind of transfer would be subject to penalty, but planned-for, using the strategies permitted under the Medicaid rules. Some relief from penalties can be achieved using existing Medicaid rules.  

There are also insurance products available to provide for long-term care coverage, which any newly married couple—or everybody, really—ought to consider. Find advice on various insurance options here.

The best strategy of all, is to consult an experienced elder law attorney . The sooner the consult, the more options available and the more money that can be saved.

When we embark on the adventure of marriage, nobody can tell what the future has in store. But with thoughtful planning, assisted by qualified elder law attorneys, you can relax and let the nuptial celebrations begin.

If you would like to schedule a consultation to learn more and begin implementing planning to protect your assets and family, contact us at 718-979-7477.

The Senior Safe Act: Financial Protection for Elders

The Senior Safe Act, signed into law by President Trump in 2018, is designed to protect our elders from financial abuse from either within a family or support system, or by scam artists preying upon them. Tens of billions of dollars each year are illegally taken from US seniors and these numbers only reflect the crimes being reported.

Issue and Percentage of Cases Reported

  • Third-party abuse/exploitation: 27%

  • Account distributions: 26%

  • Family member, trustee or power of attorney taking advantage: 23%

  • Diminished capacity: 12%

  • Combined diminished capacity and third-party abuse: 12%

  • Fraud: 6.30%

  • Elder exploitation: 5.70%

  • Friend, housekeeper or caretaker taking advantage: <1%

  • Excessive withdrawals: <1%

SOURCE: North American Securities Administrators Association

Often a senior does not report financial abuse or identity theft because they are unaware, embarrassed, or worse, they think that someone will deem them mentally unfit and they might be “put away” as a consequence of having been exploited.  While these are real issues and fears experienced by elderly people, the scale of financial exploitation is so great it has to be addressed.  This is why the enacted Senior Safe Act, coupled with the Elder Abuse Prevention and Prosecution Act (signed into law October 2017), as well as two Financial Industry Regulatory Authority (FINRA) rule changes (which have already taken effect), will provide the legal protections and financial industry framework our senior population need and deserve. One of the most important aspects of the new FINRA rules is the ability for member firms to place a temporary hold on disbursement of funds or securities when there is a reasonable belief that a senior is experiencing financial exploitation, thus protecting assets before they are taken from the senior. This new rule, in conjunction with the Senior Safe Act, can help keep seniors’ assets from vanishing.

The Senior Safe Act, which was originally initiated by Rep. Bruce Poliquin of Maine, is based on the already existing program in that state with the same name. Similar to the Maine program, the federal legislation allows insurance and financial advisors to report incidence of suspected cases of financial fraud involving their senior clients to financial institutions, who in turn could pass the suspicions on to the proper authorities.  

As long as the insurance and financial institutions elevate concerns in good faith and their employees have received the proper training, the law will protect the institution and its workers from liability in a civil or administrative proceeding where information had been presented to authorities in the hopes of protecting a senior client from financial abuses or identity theft. The training includes a collaborative effort between state and federal regulators, financial firms and legal organizations, credit unions, broker-dealers, insurance companies and agencies, and investment advisers to educate employees on how to spot and report suspected elder financial abuse.

Seniors who are most active in communicating with a trusted professional third party about their finances are the least likely to fall victim to financial fraud. Counter-intuitively, most financial fraud happens to seniors who do not display signs of cognitive impairment. Senior participation with professional and properly trained employees of financial institutions is the back-story of this bill. All of the legal protections of the Senior Safe Act will achieve nothing if there is no participation by seniors.

It is advisable to find a trusted professional adviser to help protect against financial abuse and identity theft. The Senior Safe Act should make it much easier for seniors to find a properly trained individual who will monitor their financial accounts and be able to report signs of potential trouble to authorities. That trusted individual will be able to identify the warning signs of common scams and educate seniors as to how best to protect themselves; such as how often to check credit ratings for signs of identity theft, reviewing financial statements, identifying common phone and online scams, and more. The laws are in place to help seniors stay protected. Get protected by becoming more involved in your own personal financial world.

Contact our office to schedule an appointment to discuss how we can help you with your planning.

Happy 2019!

How to ensure your wishes are carried out, and how to plan for "when I die" and "when I live"

The importance of making end-of-life preparations cannot be stressed enough. Many put off making these plans thinking there is always time. The sad reality is that none of us are guaranteed time. Others may be bothered by the thought of death itself and allow this to paralyze them when it comes to making plans and getting their affairs in order for the end of life. However, most of these same people have wishes and thoughts about where and to whom their assets are distributed. Many of them also have ideas about what they do and do not wish to have happen when their life ends. Lack of preparation and planning means that these wishes likely will not be honored. Also, it causes additional strain and stress on the people who are left to sort out the affairs.

Those who do consider planning, do so to address the question, “what happens when I die?” Keep in mind that it is also important to consider, “what happens if I live?” Proper planning ensures that if you have assets when you die they are passed on in the manner you wish. It does not, however, guarantee that there will be anything left. Your assets could be nearly or completely depleted by illness or a hospital/nursing home stay, leaving your loved ones with nothing. 

If you or your loved one have not made end-of-life preparations, make time to do so as quickly as possible. An elder law attorney can help guide you in what you should be doing, and can make sure the proper documents are in place to carry out your wishes regarding your health, care you want (or don’t want) to receive, and who should receive your money and possessions.

The first key document to be sure you have is a will or a living trust. A will allows you to specify where your money and possessions should go upon your passing. It also allows you to choose an executor of the estate. The executor will take care of managing the estate, paying debts, and distributing property as specified. A will only takes effect upon your death.

A living trust does everything a will can do but also allows for you to choose someone to manage your assets if you become incapacitated because it is effective during your lifetime. A living trust also provides privacy, as it is not subject to court proceedings that become open to the public like a will is. There are numerous other advantages to a living trust that can be explored with the help of an attorney.

A living will and health care power of attorney are two additional documents that take effect while you are alive. A living will specifies your wishes for end-of-life medical care. For example, you can specify whether you want to be kept alive by artificial means if you are in a terminal state. A health care power of attorney provides for someone to make health care decisions for you, in case you aren’t able to make decisions yourself. Both of these documents outline your wishes about medical treatment and care when you can’t make them for yourself, so it’s important to seek legal guidance to make sure these documents are drafted properly.

A financial power of attorney should be in the plan as well. A financial power of attorney names an agent to handle your finances in the event you are no longer able to.  An agent can open and close bank accounts, write checks, and sell the property if you choose to allow them the authority to do so. Like the health care power of attorney, the financial power of attorney should be created with legal advice to make sure your wishes regarding your finances are properly documented.

If you wish to have a say in what happens to you and your assets, an estate plan is necessary. This type of planning also helps those you leave behind to carry out your wishes without delay or discourse and to do so effectively.

If you have any questions about something you have read or would like additional information, please feel free to contact us.