Tag: florida seniors

Resources and Ideas to Support Family Caregivers This November

Are you aware that the month of November has been devoted to recognizing and encouraging the nation’s family caregiver population? During November, National Family Caregivers Month formally acknowledges the work of these unselfish family members who are crucial to our society and understands their value. In fact, without the vital and year-round aid of family caregivers, millions of seniors would have serious difficulties.

Throughout the nation there are over 53 million of these compassionate individuals. In recognition of National Family Caregivers Month, we would like to share some very important resources for caregivers and seniors on our blog.

1. Respite care should be available for caregivers. Caregiving is often a sacrifice in terms of time, money and opportunity costs, especially if a senior loved one has a physical or mental health disability. Therefore, many times caregivers are at risk of developing their own health problems due to exhaustion and unmet needs. By having respite care available, caregivers are able to take breaks and care for themselves.

2. Health care options for seniors. Do you know all the health care options available to seniors today? Please look at this list.

  • 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 many 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 planning is essential. If you have a senior loved one, the time to start legal planning is now. Do you have questions about what you or your aging loved ones need? From advance directives to estate planning to long-term care proactive planning, a Florida elder law attorney can help.

We know you may have questions. Elder and Estate Planning Attorneys, PA, is a law office small enough to provide personal service but large enough to provide service in Jupiter, as well as Palm Beach, Martin, St. Lucie, and Indian River Counties in Florida. Our law firm will guide you through legal challenges involving elder law, estate planning, trusts, veterans benefits, real estate, and more. We encourage you to contact us and schedule a meeting with our attorneys.

Helping Your Aging Florida Parents Answer Key Questions Before it is Too Late

Are you the child of aging parents living in Florida? As your parents age, are you looking for ways to support them in the challenges they face, including mobility and physical challenges, changing health care or financial providers and aging in place issues, to name a few. All these circumstances your parents and you face may, at times, feel overwhelming.

As you look to the future for your aging parents, do you have questions about how best you can support them? We advise our clients that have issues like this in our practice each day and we want to share a few key questions for you to ask them right now.

1. Do your aging parents have short term goals? If they do have definite goals for what they want now, and in the immediate future, then start the conversation, but do not hesitate to include these conversation points:
• Are they approaching retirement?
• Will they be able to afford their lifestyle when they no longer have a paycheck?
• Do they need to address any advancing health care concerns now?
• Do they have long-term care insurance?
• Do they want to live in their home as long as they can or do they plan to relocate?
By starting to ask questions like this, you and your parents can begin to find answers and begin planning in order to help them reach their goals.

2. Do your parents have any long-term goals? This may be an uncomfortable conversation, but it is critical to have with your aging parents sooner rather than later. Be mindful that no one wants to consider end of life plans, or a time when only one spouse is alive, so be thoughtful. Another difficult conversation, but also very important is the conversation in regard to a potential disability or the need for skilled care.

3. Have they thought about aging in place? Aging in place is still a fairly new term across the nation. It is the idea of being able to stay in your own home longer and avoid skilled institutional care. You need to begin talking to your aging parents about this as soon as possible. Because when it comes to aging in place, proactive planning is critical and you can make a difference when you talk to your parents as soon as possible. If they like the idea, they should meet with an experienced Florida elder law attorney to address their needs.

4. Do they have an estate plan and does it reflect their current goals? Believe it or not less than half of all Americans have an estate plan. Therefore, the first step is to be sure your parents have an estate plan. If they do not, you need to explain to them that you do not want them in the vulnerable position of not being protected against probate or at risk of not having a healthcare decision maker in times of crisis. If they do have an estate plan be sure your parents are updating their estate plan on a regular basis and that it reflects their current wishes for both their legacy and their decision makers.

5. Do your parents have a Florida estate planning and elder law attorney? It is critical that your aging parents have the representation that comes from working with an experienced estate planning and elder law attorney. She can step in to ensure both their lifetime and end of life decisions can be met. To the extent you can be included as you respect the privacy of your aging parents, request to be so that you have a full understanding of your parents wishes.

We know this article may bring up more questions than it answers. Helping your aging parents address issues like this will both help you care for them and ensure everyone is working toward the same goal together.

Elder and Estate Planning Attorneys, PA, is a law office small enough to provide personal service but large enough to provide service in Jupiter, as well as Palm Beach, Martin, St. Lucie, and Indian River Counties in Florida. Our law firm will guide you through legal challenges involving elder law, estate planning, trusts, veterans benefits, real estate, and more. We encourage you to contact us and schedule a meeting with our attorneys.

2022 Medicare Open Enrollment Tips for You and Your Aging Parents

Are you the adult child of aging parents? Do you look with them each year during Medicare’s Annual Open Enrollment Period to see if there are any health and drug plan changes? These changes can range from out of pocket costs and network coverage to providers and pharmacies within their networks. Beginning October 15, there is much for you and your aging parents to review.

Have your aging parents had health care changes this past year? Because of their health changes and possible Medicare plan coverage changes it is wise for every Florida senior to revisit their health plans at least annually and make the changes they need during the open enrollment period. Below we have a few tips that you can use to be sure your aging parents have the Medicare coverage that best meets their needs.

1. Be sure to review the Annual Notice of Change letter that was sent to your aging parents. Your parents, as Medicare beneficiaries, should have received an “annual notice of change” letter from their Medicare plan. They should have received this letter no later than September. Medicare explains all the changes coming in the new year in this benefits letter. You and your aging parents will now see an overview of their plan, including coverage and costs, premiums, deductibles, and copays.

2. Are you and your parents debating whether to switch plans? Do you and your aging parents want to see what additional plans are out there in your area? Be sure to look at The Medicare Plan Finder on the Medicare website. This is an online tool from the government to help you select and compare plans. You enter the zip code of your parents and details about their medications and whether they receive them by mail, then you and your aging parents can compare plans available in your area.

3. What do your parents need as Florida seniors and have their care needs changed, in fact, is there a less expensive option? If you and your aging parents are thinking about switching to a new plan we recommend you start by looking at their medical expenses over the last six months. This way you can get an accurate picture of whether their Medicare plan is the best fit. By reviewing the medical care for your parents in the last six months, you can account for changes in their health as well as changes in their plan. That being said, is there a less expensive option for your aging parents? Premiums for some parts of Medicare are based on your modified adjusted gross income (or MAGI) from two years ago. MAGI also adds in capital gains, Social Security, and required minimum distributions from individual retirement accounts and 401(k) plans. You and your parents, of course, cannot change your income but you can plan for 2022’s premiums.

For more information, we encourage you to call 1-800-MEDICARE or visit Medicare.gov.

Elder and Estate Planning Attorneys, PA, is a law office small enough to provide personal service but large enough to provide service in Jupiter, as well as Palm Beach, Martin, St. Lucie, and Indian River Counties in Florida. Our law firm will guide you through legal challenges involving elder law, estate planning, trusts, veterans benefits, real estate, and more. We encourage you to contact us and schedule a meeting with our attorneys.

Are There Ways Technology Can Help Florida Seniors Age in Place?

Are there ways technology can help Florida seniors age in place? Absolutely! You may not realize that when used appropriately, the right technology can make it easier for Florida seniors to engage with their family and friends and remain healthy and safe in their independent living situation.

Do you have a Florida senior loved one or know a Florida senior who wants to age in place? In fact, they have always lived in their own home, taking care of themselves by handling their own shopping, cooking, medications and driving to appointments. Do you only call or visit occasionally? However, are you beginning to notice that your senior loved one or senior friend are beginning to age and may need some extra help? Are you wondering where that help can come from? We would like to share a few technologies that might help your Florida aging loved ones and friends. We encourage you to share and discuss these technologies with your senior loved ones and friends. We also recommend that you and your senior loved ones and senior friends should consult with their primary care practitioners to help identify areas where technology may help them now and in the future.

To begin, we know that health and wellness are very important for your senior loved one and you. Technology may be of great assistance, in fact in the aftermath of Covid 19, many of us are familiar with telehealth. This technology will enable your senior loved ones to manage their illnesses and connect with their health care professionals while at home. Be proactive and plan to assist your Florida senior and friends during the first few video visits that they have with their physicians. By helping them you will give your senior loved one and friends the confidence to connect with their physicians independently. Another very useful technology is medication management. These technologies can dispense medications, issue reminders, monitor medication usage, and notify caregivers when doses are missed. Two of the products available to consumers to purchase or rent are epill, and MedMinder.

Next, it is very concerning that many of our senior loved ones and friends are often isolated or lonely. This is an area of technology that can definitely help. A cell phone, which for many is a simple technology, can increase the ability of our Florida seniors to connect with all their family and friends. For your loved ones, you can even look for phones with large buttons and clear screens. The Lively Flip phone was designed for seniors, and comes with a special one-click button to connect with a member of the Lively Response Team. This team can summon help or connect the caller with a board-certified doctor or nurse. Florida seniors with a hearing loss may have help with a captioning app like Clear Captions, which will enable them to read the phone.

Finally, to enable your senior loved one to age in place, consider a Medical Alert System. In fact, this type of system now comes standard in many home security systems. There are immediate responses for crises such as falls, as well as daily check-ins to make sure your loved one is alright throughout the day. You should start by determining if your loved one would wear a care button or bracelet to have immediate access to help or if there needs to be a home monitoring system instead. There are many companies available to choose from.

We know this article raises more questions than it answers. Elder and Estate Planning Attorneys, PA, is a law office small enough to provide personal service but large enough to provide service in Jupiter, as well as Palm Beach, Martin, St. Lucie, and Indian River Counties in Florida. Our law firm will guide you through legal challenges involving elder law, estate planning, trusts, veterans benefits, real estate, and more. We encourage you to contact us and schedule a meeting with our attorneys.

Tips and Pointers on Where to Keep Your Original Florida Estate Planning Documents?

As a senior adult, are you like many Americans, still keeping your important paperwork and valuables at your bank? Do you believe a safe deposit box is the best place for storing important documents? After all, is it not logical that renting a safe deposit box is a much safer bet than keeping everything at home? These are all good questions and we would like to address them in our blog.

Now that you, together with your experienced Florida estate planning attorney, have created your documents for your Florida estate plan, you may be thinking about keeping your documents at your bank. However, you may be surprised to learn that there are pros and cons to this plan. We would like to share more on this topic so you can make a decision and, as always, do not hesitate to ask us your questions.

Interestingly, many estate planning attorneys may urge their clients not to keep the original copies of their estate planning documents in a safe deposit box. Let us share four tips and pointers as to why: 1. The bank is only open on certain days and at specific times. 2. Access to safe deposit boxes is limited to the owner or owners. 3. If you are the sole owner of a safety deposit box, your family and/or the personal representative(s) of your estate may need a court order to get your documents. 4. There can be ways around this, such as adding additional owners to the box, but you may not want to or forget to use them. We recommend you speak with your attorney because you can designate access to your safe deposit box in your durable power of attorney. A word of caution, though, banks do not always honor these documents when the time comes. Further, they cease to work upon your passing.

Where should you put your original estate planning documents, other papers and valuables? Instead of putting your original estate planning documents in a safe deposit box, consider these tips and pointers: 1. A fireproof and waterproof lockbox at home. 2. A home safe. 3. A secure container on an upper shelf of a closet or cabinet.

No matter where you decide to keep your original documents, remember to make copies. You can safely take copies of your documents with you to any professional visits you need to make, for example, your physician. Your original estate planning documents need to remain safely stored away so that there will be no challenges in the future for your needs, the needs of your family and your legacy. Be sure to discuss this now with your experienced Florida estate planning attorney.

As always, we are here to answer any of your questions and help address your concerns. You are welcome to ask us about storing your original estate planning documents, or about any estate planning matters, at any time. Elder and Estate Planning Attorneys, PA, is a law office small enough to provide personal service but large enough to provide service in Jupiter, as well as Palm Beach, Martin, St. Lucie, and Indian River Counties in Florida. Our law firm will guide you through legal challenges involving elder law, estate planning, trusts, veterans benefits, real estate, and more. We encourage you to contact us and schedule a meeting with our attorneys.

Do You Know the Pros and Cons of Planning for Medicaid Early in Florida?

Are you a senior living in Florida and enjoying your golden years? That is good, but are you also considering your future? Have you started planning for any long-term care needs you may have in the future? Right now would be a good time to begin to investigate how you could pay for your care if you were to need it in the future. Let us discuss more about planning for long term care in the Sunshine State.

Are you planning for Medicare coverage as an option for long-term care? Unfortunately, even though you use Medicare for your health insurance, it will not cover much in the way of long-term care, whether in a nursing home or in your own home. Although Medicare is what most senior citizens use for health insurance, it has an extremely limited nursing home benefit, covering only up to 100 days of care and only in some circumstances. It is not a reliable source of coverage if you end up needing real long-term care.

Are you wondering what other options for long-term care are available for seniors? Some seniors may rely on family members to help as they get older. There may be an adult child or another relative who can come to the senior’s home regularly or the senior may be able to move in with them. We are, however, living longer these days, and with different generations living in different parts of the country, in-person consistent help from family might not be something you can rely on. This may be particularly true if your children are raising their own children at the same time you need the most help.

If you have no other options, you might be wondering what to do next. A Florida elder law attorney is an excellent next step. Make an appointment and consult with a Florida elder law attorney who specializes in Medicaid planning to find out whether you qualify for Medicaid or how you can plan to qualify for Medicaid when the need for long-term care arises. Qualification depends on your income and assets at the time of your application for coverage. The sooner you meet with a Medicaid attorney, the better the attorney may be able to help you plan for the future. If you are able to qualify for coverage, Medicaid will cover all nursing home costs you may need in the future.

Elder and Estate Planning Attorneys, PA, is a law office small enough to provide personal service but large enough to provide service in Jupiter, as well as Palm Beach, Martin, St. Lucie, and Indian River Counties in Florida. Our law firm will guide you through legal challenges involving elder law, estate planning, trusts, veterans benefits, real estate, and more. We encourage you to contact us and schedule a meeting with our attorneys.