| ADVANCE ESTATE PLANNING TECHNIQUES |
| Many seniors involved in planning their estates try to avoid any probate proceedings upon their deaths. There are a number of estate planning techniques that govern the disposition of property and assets upon death and even incapacity that can void probate. Joint ownership of property and assets is one method of estate planning that does so, but its advantages must be carefully weighed. More... |
| Medical/Health Care Decision Making - Saving Money on Prescription Drugs |
| As the cost of prescription medicines continues to rise, more and more Americans are looking for ways to decrease their drug-related out-of-pocket costs. Seniors, who are more likely to be affected by disease and infirmity, are particularly affected by rising costs. More... |
| Medicare - Supplemental Health Insurance - Changing Medigap Policies and Losing Medigap Coverage |
| Sometimes, elderly Americans who have Medigap insurance to supplement their Medicare coverage wish to switch to a different policy. Other times, they must select a new policy if they wish to continue coverage because their insurance company goes bankrupt or because they move out of the policy's service area, for instance. This article discusses the typical circumstance in which an insured wishes to change policies to obtain additional covered services or to find lower premiums. More... |
| Housing - Federal Public Housing Programs - Public Housing Developments |
| The United States Department of Housing and Urban Development (HUD) provides financial assistance to local agencies to build, own, and operate rental housing for low-income families. More... |
| A LAWYER'S ETHICAL DUTIES TO AN INCAPACITATED CLIENT |
| An attorney who practices elder law may be confronted with issues of the client's or potential client's capacity. For example, a potential client asks an attorney to represent her in a guardianship petition challenge. She explains that possibly well meaning family members no longer think she is able to make important health care and financial decisions. She insists that she remains capable of taking care of herself and managing her affairs. In another scenario, an attorney has a longstanding relationship with a client who is now elderly. The client no longer seems to have the rational and functional capabilities he once displayed. Perhaps the client suddenly and uncharacteristically has decided to cut a beloved family member out of his will and to designate a person who has just befriended him as his sole beneficiary. What is the attorney's ethical and professional duty these situations?More... |
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