Saturday, October 17, 2015
Wednesday, September 16, 2015
The Difference Between Medicaid’s Lookback and Penalty Periods - AgingCare.com
The Difference Between Medicaid’s Lookback and Penalty Periods - AgingCare.com: The Difference Between Medicaid’s Lookback and Penalty Periods
Most people have heard that gifting an asset can cause problems if you later need to apply for Medicaid to cover a nursing home stay.
But what exactly are the rules you need to be aware of when helping an elderly loved one qualify for Medicaid?
Most people have heard that gifting an asset can cause problems if you later need to apply for Medicaid to cover a nursing home stay.
But what exactly are the rules you need to be aware of when helping an elderly loved one qualify for Medicaid?
Saturday, August 22, 2015
Can You Cancel a Will? - AgingCare.com
Can You Cancel a Will? - AgingCare.com
Note that a well-drafted will should always include the statement “hereby revoking all prior wills signed by me,” or words to that effect. This is to make it clear that your new will is not deemed an amendment to an existing will, but is a complete replacement to any prior wills.
K. Gabriel Heiser, Expert
Attorney, author, Medicaid asset protection planning
Note that a well-drafted will should always include the statement “hereby revoking all prior wills signed by me,” or words to that effect. This is to make it clear that your new will is not deemed an amendment to an existing will, but is a complete replacement to any prior wills.
K. Gabriel Heiser, Expert
Attorney, author, Medicaid asset protection planning
Friday, August 7, 2015
Tips for avoiding scams | Loving Hands Group
Tips for avoiding scams | Loving Hands Group: Scams are perpetrated by phone, mail, e-mail, text message, social media and door-to-door contact. Scammers are very good at making their targets feel guilty about saying no. They typically act very friendly, call you by your first name and pretend to care about your family and your health situation, while making you feel guilty for not trusting them.
Scammers also try to confuse you into accepting their offer. They will talk fast, avoid questions, give incomplete or confusing explanations and pressure you into accepting immediately. If you are not completely clear about and comfortable with what they are proposing, either say no or tell them you need time to think it over. Always consult with a trusted friend or family member before you decide.
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Scammers are hard at work. Apr 18 2015
Received a phone call from a man saying he was Michael Collins comptroller at Publishers clearing house.
Notifying me I had won millions of dollars. All I need to do is call
866 996 5997 register my winners number, pay a delivery fee for
something and PCH will show up and deliver a million dollar prize and
car etc etc. I was told the IRS had already taken
out their 15%, but Federal Taxes were still owed.....
A quick check on the Net http://info.pch.com/consumer-
If only I had won Glad I was online and could do vetting.
He was very very convincing
Dave
Scammers also try to confuse you into accepting their offer. They will talk fast, avoid questions, give incomplete or confusing explanations and pressure you into accepting immediately. If you are not completely clear about and comfortable with what they are proposing, either say no or tell them you need time to think it over. Always consult with a trusted friend or family member before you decide.
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Scammers are hard at work. Apr 18 2015
A quick check on the Net http://info.pch.com/consumer-
If only I had won
He was very very convincing
Dave
Sunday, July 19, 2015
6 Online Resources to Start Advance Care Planning Conversations | American Society on Aging
6 Online Resources to Start Advance Care Planning Conversations | American Society on Aging
By Judy Thomas, JD {Q}It’s never too soon to start talking about advance care planning. Talking with patients and their loved ones—or even your own family members—and helping them plan for future medical needs is the best way to make sure their wishes will be respected.{EQ}
By Judy Thomas, JD {Q}It’s never too soon to start talking about advance care planning. Talking with patients and their loved ones—or even your own family members—and helping them plan for future medical needs is the best way to make sure their wishes will be respected.{EQ}
Thursday, July 2, 2015
Options To Pay Off A Reverse Mortgage After Parent Dies | Bankrate.com
If the borrower was married, the surviving spouse might be able to remain
in the home even if he or she wasn't a co-borrower, according to Sarah
Mancini, an attorney at the National Consumer Law Center, a nonprofit
advocacy organization in Washington, D.C.
That's important,
Mancini explains, because some borrowers remove a younger spouse from their home's title to secure a larger reverse mortgage, leaving that younger spouse vulnerable to eviction and foreclosure after the older spouse's death.
The rules that affect surviving non-borrower spouses are complicated, and surviving spouses and heirs may need to consult an attorney to interpret their rights and options if the spouse wants to continue occupying the property.
Mancini says,"There are serious legal issues, and possible grounds for a legal challenge if the lender forecloses while there is still a surviving spouse."
Read more: http://www.bankrate.com/finance/mortgages/pay-reverse-mortgage-after-parent-dies.aspx#ixzz3ekV3iYqn
Follow us: @Bankrate on Twitter | Bankrate on Facebook
That's important,
Mancini explains, because some borrowers remove a younger spouse from their home's title to secure a larger reverse mortgage, leaving that younger spouse vulnerable to eviction and foreclosure after the older spouse's death.
The rules that affect surviving non-borrower spouses are complicated, and surviving spouses and heirs may need to consult an attorney to interpret their rights and options if the spouse wants to continue occupying the property.
Mancini says,"There are serious legal issues, and possible grounds for a legal challenge if the lender forecloses while there is still a surviving spouse."
Read more: http://www.bankrate.com/finance/mortgages/pay-reverse-mortgage-after-parent-dies.aspx#ixzz3ekV3iYqn
Follow us: @Bankrate on Twitter | Bankrate on Facebook
Friday, June 12, 2015
Who Will Care For You When You’re Old? | Griswold Home Care
As more seniors turn to reverse mortgages, their adult children might well be puzzled or concerned about what will happen to that debt when one or both of their parents eventually dies. At that time, questions about how to pay off the loan will need to be resolved -- and relatively quickly.
rrower dies
If the borrower was married, the surviving spouse might be able to remain in the home even if he or she wasn't a co-borrower, according to Sarah Mancini, an attorney at the National Consumer Law Center, a nonprofit advocacy organization in Washington, D.C.
That's important, Mancini explains, because some borrowers remove a younger spouse from their home's title to secure a larger reverse mortgage, leaving that younger spouse vulnerable to eviction and foreclosure after the older spouse's death.
The rules that affect surviving non-borrower spouses are complicated, and surviving spouses and heirs may need to consult an attorney to interpret their rights and options if the spouse wants to continue occupying the property.
"There are serious legal issues," Mancini says, "and possible grounds for a legal challenge if the lender forecloses while there is still a surviving spouse."
Read more: http://www.bankrate.com/finance/mortgages/pay-reverse-mortgage-after-parent-dies.aspx#ixzz3ekV3iYqn Follow us: @Bankrate on Twitter | Bankrate on Facebook
rrower dies
If the borrower was married, the surviving spouse might be able to remain in the home even if he or she wasn't a co-borrower, according to Sarah Mancini, an attorney at the National Consumer Law Center, a nonprofit advocacy organization in Washington, D.C.
That's important, Mancini explains, because some borrowers remove a younger spouse from their home's title to secure a larger reverse mortgage, leaving that younger spouse vulnerable to eviction and foreclosure after the older spouse's death.
The rules that affect surviving non-borrower spouses are complicated, and surviving spouses and heirs may need to consult an attorney to interpret their rights and options if the spouse wants to continue occupying the property.
"There are serious legal issues," Mancini says, "and possible grounds for a legal challenge if the lender forecloses while there is still a surviving spouse."
Read more: http://www.bankrate.com/finance/mortgages/pay-reverse-mortgage-after-parent-dies.aspx#ixzz3ekV3iYqn Follow us: @Bankrate on Twitter | Bankrate on Facebook
Wednesday, May 13, 2015
Managing Stress - Visiting Nurse Service of New York
Managing Stress - Visiting Nurse Service of New York: Stress Management Tools
Symon also recommends incorporating relaxation techniques. These tools can be very helpful to people coping with long-term stress, such as caregivers, she says.
Pausing to take a few deep breaths slows down the heart and sends a message to the brain that you are calm, which releases hormones to counteract stress. Exercise, such as taking a walk, will also help.
But there's another technique that you might not think of: Do something you find enjoyable. “One of the most important things we remind our clients to do is to make sure they find ways to bring joy into their lives,” she says. “You might get a moment to yourself and think it would be a good time to pay a bill. But instead try to incorporate something that brings you joy. You can’t get rid of the stress, but you can do things that will help to decrease it.” So call a friend, spend time with a grandchild, or find a favorite TV show or movie on Netflix.
Symon also recommends incorporating relaxation techniques. These tools can be very helpful to people coping with long-term stress, such as caregivers, she says.
Pausing to take a few deep breaths slows down the heart and sends a message to the brain that you are calm, which releases hormones to counteract stress. Exercise, such as taking a walk, will also help.
But there's another technique that you might not think of: Do something you find enjoyable. “One of the most important things we remind our clients to do is to make sure they find ways to bring joy into their lives,” she says. “You might get a moment to yourself and think it would be a good time to pay a bill. But instead try to incorporate something that brings you joy. You can’t get rid of the stress, but you can do things that will help to decrease it.” So call a friend, spend time with a grandchild, or find a favorite TV show or movie on Netflix.
Saturday, May 9, 2015
Getting the Family to Agree on a Care Plan - AgingCare.com
Getting the Family to Agree on a Care Plan for an Older Adult - AgingCare.com:
Generally, disagreements about money—who is in charge of it and how it will be used
Friday, May 1, 2015
Eldercare Resource Services - Helping You Help Your Loved Ones
Home: ElderCare Resource Services is a Geriatric Nurse/Social Worker partnership that assists families in investigating, assessing, and recommending the medical and non-medical resources required for the care of Seniors. We are strong advocates for our clients, delivering the information and resources necessary to make them the best consumers and ensuring their relative the best possible care. We are Geriatric Care Managers Linda Sullivan RN and Debbie Gitner Licensed Certified Social Worker.
Wednesday, April 8, 2015
Senior Living Technology Blog
Tools to Keep Your Staff and Residents Happy with Built-in Support
Jerry Grove
Apr 8, 2015
Seniors are not prepared to leave their cell phones, tablets, e-readers, or laptops behind. Dependable high-speed wireless Internet is the bare minimum expected of senior living communities catering to a leisure lifestyle.
Along the same lines, seniors don’t want to depend on their son-in-law or a staff member to help install the latest application or fix a bug. Communities catering to residents should have built-in resident support personnel in place that can get a senior’s technology running in no time.
Jerry Grove
Apr 8, 2015
Seniors are not prepared to leave their cell phones, tablets, e-readers, or laptops behind. Dependable high-speed wireless Internet is the bare minimum expected of senior living communities catering to a leisure lifestyle.
Along the same lines, seniors don’t want to depend on their son-in-law or a staff member to help install the latest application or fix a bug. Communities catering to residents should have built-in resident support personnel in place that can get a senior’s technology running in no time.
Sunday, March 29, 2015
Why We Need To Get Rid Of Senior Centers
Why We Need To Get Rid Of Senior Centers Kerry Hannon
Time to Make Centers Multigenerational
That’s why I say: Let’s get rid of senior centers.
I’m not suggesting abolishing places for older men and women to get together and to learn things. I’m suggesting turning traditional centers into places where young and old spend time together.
This idea is actually catching on.
Kerry Hannon is a contributor to Next Avenue and
has spent more than 25 years covering personal finance for Forbes,
Money, U.S. News & World Report and USA Today. Her website is kerryhannon.com. Follow her on Twitter @kerryhannon.
Time to Make Centers Multigenerational
That’s why I say: Let’s get rid of senior centers.
I’m not suggesting abolishing places for older men and women to get together and to learn things. I’m suggesting turning traditional centers into places where young and old spend time together.
This idea is actually catching on.
Kerry Hannon is a contributor to Next Avenue and
has spent more than 25 years covering personal finance for Forbes,
Money, U.S. News & World Report and USA Today. Her website is kerryhannon.com. Follow her on Twitter @kerryhannon.
Saturday, March 28, 2015
Wednesday, February 11, 2015
4 Key Things to Know about Trusts and Medicaid Planning - AgingCare.com
4 Key Things to Know about Trusts and Medicaid Planning - AgingCare.com
There are many types of trusts that can be helpful in protecting your assets while allowing you to qualify for Medicaid. This article is a brief overview of the things you need to know when setting up a trust.
It must be irrevocable: An irrevocable trust cannot be altered or amended, and are thus the only type of trust that offers any benefit for Medicaid planning.
There are many types of trusts that can be helpful in protecting your assets while allowing you to qualify for Medicaid. This article is a brief overview of the things you need to know when setting up a trust.
It must be irrevocable: An irrevocable trust cannot be altered or amended, and are thus the only type of trust that offers any benefit for Medicaid planning.
Thursday, February 5, 2015
“Uncompensated Pending Medicaid Beneficiary Payment Relief Act,”
A3928
An Act providing compensation relief to long term care
facilities when Medicaid eligibility determinations are delayed, designated the
“Uncompensated Pending Medicaid Beneficiary Payment
1. The Commissioner of
Human Services shall make an advance payment to a nursing facility, an assisted
living residence, or a comprehensive personal care home licensed pursuant to
P.L.1971, c.136 (C.26:2H-1 et seq.), at the facility’s request, whenever the
facility is providing uncompensated services to one or more residents whose
eligibility for Medicaid has not been determined more than ninety days after an
application has been filed. Any such advance payment shall not exceed fifty
percent of the estimated amount due for the uncompensated services. No later
than 30 days after any such application is granted and payment has been made to
the facility, or after any such application has been denied, the commissioner
shall: provide reimbursement for any balance due to the facility; or recover
any advance payments made on behalf of an applicant deemed ineligible for
Medicaid by reducing any payments due to the facility.
2. The Commissioner of
Human Services shall apply for such State plan amendments or waivers as may be
necessary to implement the provisions of this act and to secure federal
financial participation for State Medicaid expenditures under the federal
Medicaid program.
3. The Commissioner of
Human Services shall, in accordance with the “Administrative Procedure Act,”
P.L.1968, c.410 (C.52:14B-1 et seq.), adopt any rules and regulations as the
commissioner deems necessary to carry out the provisions of this act.
4. This act shall take
effect on the first day of the fiscal year next following the date of
enactment, except that the Commissioner of Human Services may take such
anticipatory administrative action in advance thereof as shall be necessary for >
the implementation of the act.
/>
STATEMENT
This bill, designated the
“Uncompensated Pending Medicaid Beneficiary Payment Relief Act,” would provide
payments to certain long term care facilities for residents who have applied
for Medicaid but whose eligibility has not been determined more than 90 days
after the initial application. The bill requires the Commissioner of Human
Services to make advance payments to a nursing facility, an assisted living
residence, or a comprehensive personal care home, at the facility’s request,
whenever the facility is providing uncompensated services to one or more residents
whose eligibility for Medicaid has not been determined more than ninety days
after an application has been filed. Any such advance payment would not exceed
fifty percent of the estimated amount due for the uncompensated services. No
later than 30 days after any such application is granted and payment has been
made to the facility, or after any such application has been denied, the
commissioner would be required to: provide reimbursement for any balance due
to the facility; or recover any advance payments made on behalf of an applicant
deemed ineligible for Medicaid by reducing any payments due to the facility.
Saturday, January 17, 2015
BayPath Elder Services | Caregiving MetroWest
Caregiving MetroWest –is a program of BayPath Elder Services, Inc. information, resources, and support for MetroWest caregivers.
The site offers Information on all aspects of caregiving; "Caregiving is a complex and demanding undertaking. There are many elements involved in the caregiving role, and we’ve assembled some helpful information on a variety of areas of importance to caregivers.}
BayPath Elder Services, Inc
BayPath Elder Services, Inc. administers programs offering home care and related services enabling people to live independently and comfortably in their homes while promoting their well-being and dignity.
Many BayPath services are free, others are based on one's ability to pay, and some are offered on a fee-for-service basis.
“This non-profitcorporation is organized to plan, develop and implement the coordination and delivery of services and supportive programs for persons sixty years of age and over unless otherwise restricted by conditions of grants or contracts, in the City of Marlborough, and the townships of Ashland, Holliston, Hopkinton, Dover, Sherborn, Natick, Framingham, Wayland, Sudbury, Hudson, Northborough , Southboro ugh and Westboro ugh , Massachusetts. The corporation shall endeavor to assist older persons to obtain services including but not limited to information and referral, homemaker and chore assistance, housing services, health maintenance and rehabilitation, nutritional services, legal and advocacy assistance , transportation, emergency assistance, and whatever medical or supportive services may be needed to prolong the life and well - being of older persons in the community and to prevent premature institutionalization.
The site offers Information on all aspects of caregiving; "Caregiving is a complex and demanding undertaking. There are many elements involved in the caregiving role, and we’ve assembled some helpful information on a variety of areas of importance to caregivers.}
BayPath Elder Services, Inc
BayPath Elder Services, Inc. administers programs offering home care and related services enabling people to live independently and comfortably in their homes while promoting their well-being and dignity.
Many BayPath services are free, others are based on one's ability to pay, and some are offered on a fee-for-service basis.
“This non-profitcorporation is organized to plan, develop and implement the coordination and delivery of services and supportive programs for persons sixty years of age and over unless otherwise restricted by conditions of grants or contracts, in the City of Marlborough, and the townships of Ashland, Holliston, Hopkinton, Dover, Sherborn, Natick, Framingham, Wayland, Sudbury, Hudson, Northborough , Southboro ugh and Westboro ugh , Massachusetts. The corporation shall endeavor to assist older persons to obtain services including but not limited to information and referral, homemaker and chore assistance, housing services, health maintenance and rehabilitation, nutritional services, legal and advocacy assistance , transportation, emergency assistance, and whatever medical or supportive services may be needed to prolong the life and well - being of older persons in the community and to prevent premature institutionalization.
Friday, January 16, 2015
Thursday, January 8, 2015
Normal aging vs dementia | Tips for coping with normal age-related memory difficulties
Normal aging vs dementia
Tips for coping with normal age-related memory difficulties:
- Keep a routine
- Organize information (keep details in a calendar or day planner)
- Put items in the same spot (always put your keys in the same place by the door)
- Repeat information (repeat names when you meet people)
- Run through the alphabet in your head to help you remember a word
- Make associations (relate new information to things you already know)
- Involve your senses (if you are a visual learner, visualize an item)
- Teach others or tell them stories
- Get a full night's sleep
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