I recently presented a program on caregiver legal issues at the 2nd Annual St. Clair County Family Caregiver Resource Seminar & Open House at The Council on Aging, Inc. which was sponsored by a number of local senior services organizations. …
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Estate Planning With No Kids
Recently, I spent a few days on a boat in Lake Huron with a friend of mine who has no children. It got me thinking. I have never written a column specifically directed at the issues that may be encountered …
Jul Savvy Powers of Appointment Changing Irrevocable Trusts
You have a revocable living trust. You can change it, amend it or revoke it while you are alive and well. So long as you are not mentally disabled, you can do what you want with your trust. However, as …
Importance of Funding Your Trust
You brought home your brand new trust. It sure looks great. It may be in a shiny new binder with tabs and everything. But how do you know your trust is going to work? And you got your trust at …
Unrecorded Deeds Bad Bad Bad
“I want my house to go to my kids after I die, but want to avoid probate. Can’t I just sign a deed now that transfers the house to the kids and keep it with my other important papers along …
Medicaid and Nursing Home Spend Down
You have probably heard many things about nursing home Medicaid qualification. For example, you may have heard that if you are single, you have to spend down all of your assets on nursing home costs to a mere $2,000 before …
No Plateau Standard to Cease Medicare Rehab Services
You had a fall and were admitted to the hospital for five days. You are discharged from the hospital to an in-patient rehabilitation facility. If you have traditional Medicare or certain Medicare Advantage plans, since you have spent three full …
Providing for Special Needs Loved Ones
You may have a special needs child or other loved one who is developmentally disabled and/or legally incapacitated. As a result of this disability or incapacity, your child or other loved one may also be on some form of governmental …
Social Security Q&A
I regularly get questions regarding Social Security qualification and benefits, especially disability benefits. Today, we will go through a few of the more common questions that you may have about your Social Security. Q: I applied for a replacement Social …
Savvy Buying Investment Real Estate
You have your CDs, stocks, bonds, mutual funds and other investments. You want to diversify your investments more with real estate. There are some real deals out there in the current bargain market. Just like with any other investment, with …