In estate planning, a letter of instruction is an important component of the overall plan. It is an informal document that will give your loved one important information about personal and financial matters after your death. Letters of instruction are not legally binding and do not replace your need for a will or a living […]
Estate planning and elder law are both alike, but on the flip side, they are also quite distinct. The Concerns are Similar No matter what age we’re in, life can deliver some hard knocks. Hope for the best, but plan for the worst. We can get into accidents, especially when we’re young and under the […]
It depends on who you ask. Some “experts” report that rates are up. Some “experts” report they are down.
The Problem According to the U.S. Department of Health and Human Services, someone turning 65 today will have a 70 percent chance of requiring some long-term care service and support during his or her life. A woman’s average nursing home stay is 3.7 years. For men, it is about 2.2 years. Of the 70 percent […]
The long-term care (LTC) crisis is on the rise for aging Americans. Industry driven, massively underpriced policies are playing fiscal catch up with hefty premium rate increases. This price increase is forcing some aging Americans to abandon their policy while others struggle to reduce their amount of LTC coverage to keep their rates affordable or […]
Divorce after 50 can be an eye-opener for many. Your kids are gone and no longer the biggest concern. Instead, you are concerned about retirement. You want to hang on to some financial security because you know it will cost more to live apart than to live together. How are you going to divide the […]
Many people confuse Medicare and Medicaid. And why not? The words are similar, and both are government programs that have to do with health care. However, the programs are very different. A proper understanding of these two programs is necessary to make sure that you or your loved one does not misstep when making health […]
Don’t make these mistakes when thinking about your divorce litigation Don’t try to win at any cost. Divorce litigation brings out the worse in many people. Winning at any costs usually means you pay more than the outcome is worth just for revenge. After 29 years of litigating divorces, we can attest to to […]
How you handle the discussion may well cost you your custody case. A direct quote from a judge this morning: “If I hear that either party has discussed these proceedings with the child, it will not go well for that parent.” In a hotly contested custody case, it is tempting to try to get the […]
Unwed fathers have rights, but may need to take steps to enforce those rights. If you are an unwed father, you are not alone. The number of unwed fathers is growing. Your parental rights are constitutional right. However, enforcement of those rights seem to be automatic ONLY for the biological mother. You not only have […]
