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Steve
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“A daily money manager can pay the bills, keep the checkbook in balance and oversee investments. They can go through and toss the junk mail, sorting out what is important, saving the elderly from potential fraud and ensuring that important documents do not slip through the cracks.” You visit your... Continue reading
Posted 5 days ago at Elder Law Firm of Steve Bailey
“Do you want to track the activities and daily routines of your aging loved ones who live far away, by monitoring when they use their electronic appliances? We have AI for that.” Families worry about their aging loved ones who live independently. They want to know if Grandma is safe... Continue reading
Posted 5 days ago at Elder Law Firm of Steve Bailey
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“In a bizarre twist, although the Centers for Medicare & Medicaid Services (CMS) is not raising the Medicare Part B standard premium amount in 2018, most retirees will have to cough up 23 percent higher premiums this year.” Medicare sounds like a simple concept – if you paid into the... Continue reading
Posted 6 days ago at Elder Law Firm of Steve Bailey
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“The Center for Medicare Advocacy cautions that the proposed revisions to the rules will increase the risk of harm, injury, or death for nursing home residents.” Regulations enacted during the Obama administration tried to achieve a higher quality of care and improved safety for our seniors who live in nursing... Continue reading
Posted 7 days ago at Elder Law Firm of Steve Bailey
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“The new Republican tax bill could cut taxes – as well as spending for Medicare.” People receiving Medicare benefits get nervous every time lawmakers start talking about cutting the amount of money spent on entitlements. The new tax bill Republicans are promoting could cut taxes – as well as spending... Continue reading
Posted Jan 8, 2018 at Elder Law Firm of Steve Bailey
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“The new tax plan ill use the Chained CPI method of calculating inflation for tax purposes instead of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) that the Internal Revenue Service (IRS) currently uses.” Rumors and speculation fill the air about President Trump’s proposed tax bill,... Continue reading
Posted Jan 7, 2018 at Elder Law Firm of Steve Bailey
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“Talk with your aging parents about predatory lending schemes. Make them aware of the dangers of loans for home improvements and other loans tied to the equity in their homes.” Millions of poor and elderly Americans are the victims of predatory lending schemes. The scammers bilk them out of billions... Continue reading
Posted Dec 22, 2017 at Elder Law Firm of Steve Bailey
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How Can I Qualify for Nursing Home Care? “An elder law attorney can guide you through the intricate Medicaid application maze and prepare a trust or other legal product that can help you retain some assets, without incurring a Medicaid penalty.” Nursing home care is expensive – thousands of dollars... Continue reading
Posted Dec 21, 2017 at Elder Law Firm of Steve Bailey
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“To pay for nursing home costs beyond 100 or 190 days, many people turn to Medicaid, veterans benefits, relocation to a less expensive part of the country, long-term care insurance or reverse mortgages.” You cannot count on Medicare paying for much, if you need nursing home care. Medicare can pay... Continue reading
Posted Dec 20, 2017 at Elder Law Firm of Steve Bailey
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“There is just as much misinformation as accurate information floating around about the payment of nursing home costs by Medicare and Medicaid.” Many people get their information about whether Medicare and Medicaid will pay for their nursing home care through the rumor mill and by speculation. Since nursing home care... Continue reading
Posted Dec 19, 2017 at Elder Law Firm of Steve Bailey
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“You are about to put pen to paper to designate who will one day reap the benefits of your generosity, but then you remember hearing stories about problems with the beneficiaries of life insurance policies.” You have a life insurance policy to take care of your loved ones. You are... Continue reading
Posted Dec 18, 2017 at Elder Law Firm of Steve Bailey
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“Guardianships focus on the daily welfare of the senior, and conservatorships deal with the money.” The words “guardianship” and “conservatorship” refer to legal proceedings that appoint a person or organization to care for and decide for someone who cannot do those things for himself. Although the terms are related, is... Continue reading
Posted Dec 8, 2017 at Elder Law Firm of Steve Bailey
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“A living will is one type of advance directive.” Many different legal terms are used to refer to arrangements a person makes about medical decisions if the person cannot communicate those choices in the future. Living wills, medical powers of attorney, and advance directives are some terms. What is the... Continue reading
Posted Dec 7, 2017 at Elder Law Firm of Steve Bailey
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“Your parent can sign several legal documents that will protect him and handle his legal issues. These documents include a durable power of attorney for health care decisions, a durable power of attorney for financial matters and a will or living trust.” When caring for a parent with Alzheimer’s or... Continue reading
Posted Dec 6, 2017 at Elder Law Firm of Steve Bailey
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“In addition to helping with monthly cash flow issues, some people using reverse mortgages to help one spouse qualify for Medicaid assistance with nursing home bills while letting the co-borrower spouse remain in the home and get a monthly check.” If your parents are considering a reverse mortgage, they must... Continue reading
Posted Dec 4, 2017 at Elder Law Firm of Steve Bailey
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Caring for Senior's Emotions During Downsizing “When your aging loved one needs to downsize for health or financial reasons, she may experience sadness, anxiety, fear, and other emotions.” When your aging loved one must downsize for health or financial reasons, she may experience sadness, anxiety, fear, and other emotions. This... Continue reading
Posted Nov 23, 2017 at Elder Law Firm of Steve Bailey
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“If you disagree with the full or partial denial of a claim, you must file an appeal within 120 days of getting the MSN. Complete a Redetermination Request Form and send it to the Medicare contractor at the address provided on the MSN.” You do not just have to accept... Continue reading
Posted Nov 21, 2017 at Elder Law Firm of Steve Bailey
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“The Part D (prescription drug) coverage may be going down in some plans in 2018, but you should be careful, read your entire plan and ask questions, until you are comfortable that you understand it.” Medicare premiums and coverage details can change every year. Medical expenses and insurance premiums can... Continue reading
Posted Nov 20, 2017 at Elder Law Firm of Steve Bailey
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“With so many of our aging population experiencing abuse, we should all be aware of how to detect when a senior might be suffering abuse.” As a society, we are becoming more aware of the problem of elder abuse. Much of the mistreatment of our seniors comes from friends or... Continue reading
Posted Nov 18, 2017 at Elder Law Firm of Steve Bailey
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“To get the added benefit of Aid & Attendance, a veteran must need someone’s help to perform routine daily activities, such as grooming, dressing, eating, and administering medications.” If your loved one is a veteran over the age of 65 who needs assistance with his daily living activities, you may... Continue reading
Posted Nov 17, 2017 at Elder Law Firm of Steve Bailey
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Birmingham financial planning for Alzheimer’s spouse, Birmingham legal planning for spouse with Alzheimer’s, Birmingham how to plan for your spouse’s care with Alzheimer’s, Shelby County financial planning for Alzheimer’s spouse, Shelby County legal planning for spouse with Alzheimer’s, Shelby County how to plan for your spouse’s care with Alzheimer’s Continue reading
Posted Nov 16, 2017 at Elder Law Firm of Steve Bailey
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“We want to enjoy our retirement years, while getting the care we need now and down the road.” Many options are now available for retirement living. People are living longer and healthier lives. We want to enjoy our retirement years, while getting the care we need now and later. Some... Continue reading
Posted Nov 15, 2017 at Elder Law Firm of Steve Bailey
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“Planning for incapacity is a lot like buying homeowner’s insurance. Not everyone will become incapacitated, just as not everyone will experience a house fire. However, it is prudent to prepare so you are ready for whatever life may bring.” Planning for incapacity is a lot like buying homeowner’s insurance. Not... Continue reading
Posted Nov 14, 2017 at Elder Law Firm of Steve Bailey
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“You can usually only find out private medical information about your parents from their doctor, if they give the doctor permission to tell you the information or you have a medical records release that satisfies the strict HIPAA requirements and is signed by them.” Before the days of HIPAA regulations,... Continue reading
Posted Nov 13, 2017 at Elder Law Firm of Steve Bailey
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“Medicare Part A is also called Medicare Hospital Insurance. It covers inpatient medical care in a hospital or skilled nursing facility and provides benefits for hospice care and some types of home health care.” When approaching age 65, you must enroll in Medicare. You will have a limited amount of... Continue reading
Posted Nov 10, 2017 at Elder Law Firm of Steve Bailey