Should Nursing Homes Be Immune From COVID 19 Lawsuits
by Paul Lorrah

Skilled nursing facilities face many challenges on a regular basis     but during the coronavirus they have proven to be especially           challenging.







In response, many states are attempting to issue immunity to nursing homes and assisted living facilities from
lawsuits related to the care they are providing during the pandemic.

The coronavirus pandemic has hit nursing homes particularly hard. One-third of all deaths are residents or workers
in nursing homes or other long-term care facilities, and in 15 states more than half of all COVID-19 deaths have
been related to long-term care.

In many circumstances this is due to the fact that Governors have ordered these facilities to take patients that
have COVID-19 instead of having them remain in a hospital.

Some feel that making the facilities immune is right because of the orders from the Governors and some
long-term care advocates are fiercely opposing the measures. 

If the measure goes through residents and families who are unhappy with the way their facility has handled
the outbreak may not have much recourse.

To date, at least 18 states have granted long-term care facilities some level of legal immunity from lawsuits related
to the pandemic and another 10 states are considering protections.

These provisions tend to grant immunity from civil, but not criminal, lawsuits to facilities that are providing care in
good faith during the pandemic (an exception is New York’s recently enacted law, which gives immunity to
nursing homes from both civil and criminal lawsuits).

is this because the Governor of New York is trying to shield himself from being drawn into these lawsuits because he was one of the Governors who directly ordered the facilities to take patients with coronavirus instead
of having the remain in a hospital setting for care?

While the immunity does not apply to willful or criminal misconduct or gross negligence, it may apply to
harm stemming from resource and staffing shortages. As the states act, industry lobbying groups are pushing for
the federal government to enact broad immunity protections as well. 

Long-term care advocates are opposing the rush to grant immunity to nursing homes, with one advocate calling
it “basically a license for neglect.”
 
One group of organizers that advocate on behalf of nursing home residents sent a letter to Congress arguing
that residents need the protection that a lawsuit can provide now more than ever.

The letter points out that none of the previous safeguards for residents (including long-term care ombudsmen,
regular inspections, and family supervision) are currently available to residents due to lockdowns. 

Despite states' grants of immunity, families of nursing home residents affected by COVID-19 are looking for ways
to hold the facilities accountable. E-Street Band guitarist Nils Lofgren has spoken out about his anger
and disappointment over New Jersey’s immunity provisions and has filed a lawsuit against his mother-in-law’s
nursing home.

A Florida law firm is also planning to file suit against two nursing homes for their handling of the pandemic,
and a California family is suing a nursing home, arguing that the nursing home negligently allowed a staff member
with COVID-19 to work at the facility. 

Another potential avenue of liability for nursing homes is from staff lawsuits. Many nursing home workers contracted COVID-19 at work. The family of a deceased nursing home employee in Texas is suing the nursing home for wrongful death. The lawsuit alleges the facility did not properly respond to the pandemic and did not provide their employees with personal protection equipment. 
 
What do you think? 
Is immunity valid?
Do you think that the facilities did everything they could based on the circumstances at hand?
Do you think this is a way to shield politicians? 
Do you think this is just a way for attorneys to cash in on the pandemic?

Let us know.

Questions about long term care, Medicaid planning or asset protection?  contact us today for a free phone consultation  855.471.6771

Many Americans will not qualify for the relief payment sent for the economic hard times triggered by the coronavirus pandemic. 

Among those will be adults with special needs and even some seniors.




​Why?  any adult who is claimed as a dependant on another person's tax return to include adults with special needs
The Coronavirus Aid, Relief, and Economic Security (CARES) Act (signed by President Donald Trump) included one-time payments of up to $1,200 to millions of eligible individuals, based on their income.

 While the law provides an additional $500 per child to parents of minor children, adults who are claimed as dependents are not eligible for either the up to $1,200 relief payment or the $500 for minor dependents. This is true even if the senior or individual with a disability receives Social Security or works. 

Many caregivers claim their parents or adult children with disabilities as dependents in order to get a tax credit. The IRS allows taxpayers who support a relative to claim a $500 tax credit for any non-minor dependents.
However, when Congress wrote the CARES legislation, it decided that if seniors and individuals with disabilities are claimed as dependents, they are not eligible for the coronavirus relief payments. 

Currently, AARP is urging Congress to address the issue in the next economic recovery package. “A lot of times when people think about caregiving or dependent care, they initially think children and don’t always extend that same kind of thinking to older dependents in the household,” David Certner, legislative policy counsel for the AARP, states “We think that’s a mistake because it’s just as important to be able to provide for the caregivers of those dependents as well.”

Many other people are not eligible as well, adult students claimed on parent's tax return, individuals or married couples with income too high, etc.
​
Who else is not eligible?    Click here to read more.

                       

The CARES Act, signed by President Donald Trump on 3.19.2020 waives RMD distributions for 2020.

This will help many Americans who were affected by the stock market drop due to the coronavirus paranoia.





​Normally, Federal law would require individuals who were age 70 1/2 before the end of 2019 to begin taking required minimum distributions (RMDs) from their retirement plan in April of 2020. (Note that those who were younger than 70 ½ at the end of 2019 can wait until they turn 72 to take RMDs)

The amount of the distribution is based on the value of the account at the end of the previous year, but the funds you withdraw are treated as taxable income in the year you take the distribution. This would be more detrimental because the stock market values were much higher at the end of 2019. Although the market has rallied tremendously it still has not yet returned to the value at the end of 2019 [ DOW closed at 28,462.14 on 12.31.2019].

Currently as of this blog the DOW is at 23,876 - still way above the close of 2015 [18,312.39]

Recognizing this, the coronavirus relief bill known as the CARES Act [signed by President Donald Trump] waives the requirement that individuals take RMDs from their non-Roth IRAs and 401(k)s in 2020. This includes any 2019 distributions that would otherwise have to be taken in 2020.  

Waiving RMDs will allow retirees to retain more of their savings. The waiver applies to individuals taking RMDs from their own retirement accounts as well as people who have inherited retirement accounts. 

Generally, it is considered a good idea to not take a withdrawal if it's not necessary as leaving the money in the account allows it to continue growing tax-deferred. Taking a withdrawal can also increase your tax burden.

However, there are circumstances where it may make financial sense to take an RMD even if it's not needed, for example if you know you are going to be in a much lower tax bracket in 2020, but expect your tax bracket to increase in 2021, it might make sense to withdraw the money now so you can pay a lower tax rate. 

If you have already taken an RMD distribution in 2020 you may have the option to return it to the account it came from or another retirement account.

Usually RMD's cannot be rolled over into another account but voluntary distributions can.

Since The CARES Act waived RMD's, they are now considered voluntary distributions. This means they can be re-deposited or rolled over into a new retirement account (including a Roth account) as long as you do it within 60 days.

The IRS has provided guidance, waiving the 60-day rule if you took an RMD between February 1 and May 15 as long as you roll over the RMD by July 15, 2020. This type of rollover can only occur once per year, so if you rolled over a distribution within the previous 365 days, you cannot do it again. 

Questions about financial planning for long term care costs?  Contact us today, 855.471.6771  or email at [email protected]

The Centers for Medicare & Medicaid Services (CMS) announced new guidance for state and local officials to ensure the safe reopening of nursing homes across the country.






​​The guidance details critical steps nursing homes and communities should take prior to relaxing restrictions implemented to prevent the spread of COVID-19, including rigorous infection prevention and control, adequate testing, and surveillance. The recommendations allow states to make sure nursing homes are continuing to take the appropriate and necessary steps to ensure resident safety and are opening their doors when the time is right.

CMS is recommending that nursing homes do not advance through any phases of reopening or relax any restrictions until all residents and staff have received results from a baseline test.  In addition, CMS recommends that state survey agencies inspect nursing homes that experienced a significant COVID-19 outbreak prior to reopening.  Finally, CMS recommends that nursing homes remain in the current state of highest restriction even when a community begins to relax restrictions for other businesses, and should be among the last to reopen within the community, to ensure safety of the residents.  Nursing homes may receive visitors during phase three, which is when there has been a sustained decrease in COVID-19 cases. A variety of factors must go into making this decision, including states not only relying on case count, but assessing the individual nursing home and other local factors. Visitors must be screened and wear a cloth face covering at all times.

The new guidance encourages state leaders to collaborate with the state survey agency and local health departments to decide how these criteria should be implanted.  Given the critical importance in limiting COVID-19 exposure in nursing homes, CMS recommends that decisions on relaxing restrictions be made with careful review of the following facility-level, community, and state factors:

• Status of COVID-19 cases in the local community
• Status of COVID-19 cases in nursing homes
• Adequate staffing
• Baseline test of all residents, weekly testing of all staff, practicing social distancing, and universal source control   for residents and visitors (e.g., face coverings)
• Access to adequate personal protective equipment (PPE)
• Local hospital capacity

​

State and local leaders are urged to regularly monitor the factors for reopening and can adjust their plans accordingly, depending on local data about the circulation of the virus in their community.

The New Guidance for Nursing Home Reopening Recommendations for State and Local Officials is attached below

Questions about Medicaid Planning, Long Term Care Planning and Medicaid Applications?

Contact us today for a FREE consultation.  855.471.6771     [email protected]   

What If I Haven't Worked Long Enough to Qualify for Medicare?

You may have more options for coverage than you think
by Paul Lorrah, Medicaid Plus, P.C.






Q. I haven’t worked long enough to qualify for Medicare. What are my options?
Medicare is a big umbrella, covering several different aspects of health care. So strictly speaking, not having worked long enough to “qualify” means only that you can’t receive benefits for Medicare Part A (hospital insurance) without paying premiums for them. But you most likely qualify for Medicare Part B (which covers doctors’ services, outpatient care and medical equipment) and for Part D (prescription drug coverage) because these have nothing to do with how long you’ve worked.
Normally, you need to have earned about 40 “credits” or “quarters” by paying Social Security and Medicare payroll taxes while working — equal to about 10 years of work — in order to get Part A services without paying premiums. The premiums have already been covered by your payroll taxes. 
However, if you don't have enough credits you may qualify for premium-free Part A services on the work record of your spouse, provided that you are 65 or older and your spouse is at least 62. In some circumstances, you may qualify on the work record of a spouse who is dead or divorced. 

Otherwise, if you’re 65 or older, you can buy into Medicare by paying monthly premiums for Part A hospital insurance. You can also join Part B and pay the same premiums as other people. In both cases, you must be a U.S. citizen or a legal resident (green card holder) who has lived in the United States continuously for at least five years.
The amount you pay for the Part A premium in 2020 is $252 a month (if you have 30 to 39 work credits) or $458 a month (if you have fewer than 30 work credits). These amounts usually change a little each year. If you continue working until you’ve earned 40 credits (about 10 years' work in total), you’ll no longer be required to pay Part A premiums.

If you buy Part A, you must also enroll in Part B. But you can enroll in Part B without having Part A. You can get Part D prescription drug coverage if you’re enrolled in Part A or Part B. 
To join a private Medicare Advantage plan or to buy Medigap supplemental insurance, you must have Part A and Part B.

It’s important to know that if you don’t enroll in Part B when you’re supposed to, you risk having to pay a permanent late penalty when you finally sign up, even if you haven’t worked long enough to qualify for Part A without paying a premium for it.
 
You qualify for full Medicare benefits at age 65 or older if:

• You are a U.S. citizen or a permanent legal resident who has lived in the United States for at least five years; and
• You or your spouse has worked long enough to be eligible for Social Security or railroad retirement benefits — usually having earned 40 credits from about 10 years of work — even if you are not yet receiving these benefits; or
• You or your spouse is a government employee or retiree who has not paid into Social Security but has paid Medicare payroll taxes while working.

 
 
Younger than 65? You still may be eligibleYou qualify for full Medicare benefits under age 65 if:

• You have been entitled to Social Security disability benefits for at least 24 months that need not be consecutive, or
• You receive a disability pension from the Railroad Retirement Board and meet certain conditions, or
• You have Lou Gehrig's disease, also known as amyotrophic lateral sclerosis, which qualifies you immediately; or
• You have permanent kidney failure requiring regular dialysis or a kidney transplant — and you or your spouse has paid Social Security taxes for a specified length of time depending on your age.

Other ways to get coverage If you do not qualify on your own or your spouse's work record but are a U.S. citizen or have been a legal resident for at least five years, you still can get full Medicare benefits at age 65 or older. You just have to buy into them by:

• Paying premiums for Part A, the hospital insurance. If you have fewer than 30 work credits, you pay the maximum premium, $458 in 2020. If you have 30 to 39 credits, you pay less, $252 a month in 2019. If you continue working until you gain 40 credits, you will no longer pay these premiums.
• Paying the same monthly premiums for Part B, which covers doctor visits and other outpatient services, as other enrollees pay. In 2020, the amount is $144.60 for individuals with a yearly income of $87,000 or less or those filing a joint tax return with $174,000 in income or less. Rates are higher for people with higher incomes.
• Paying the same monthly premium for Part D prescription drug coverage as others enrolled in the drug plan you choose.

You can enroll in Part B without buying Part A if you want to. But if you buy into A, you also must enroll in B.
You can get Part D if you're enrolled in either A or B.

 
You cannot enroll in a Medicare Advantage plan, such as health maintenance organization or a preferred provider organization, or buy a Medigap supplemental insurance policy unless you’re enrolled in both A and B.
Most people receive statements from Social Security saying whether they're yet eligible on their work records. If you don't get these statements or are still not sure if you qualify, call Social Security at 800-772-1213.

​

Coronavirus Relief Funds Paid to Deceased Americans Must Be Returned
by Paul Lorrah
​

​The federal coronavirus relief bill has sent direct emergency payments to some 150 million Americans in the wake of the pandemic. Among the recipients are possibly millions of deceased individuals, raising questions about what their survivors should do with the money.

After weeks of silence, the IRS has finally confirmed that the money must be returned and explained how to do it.

The Coronavirus Aid, Relief, and Economic Security (CARES) Act, signed into law March 27, 2020, included one-time payments of up to $1,200 to millions of eligible individuals, based on their income. To determine who was eligible, the IRS looked at 2018 and 2019 tax returns, without first cross-checking with the Social Security Administration’s master file of U.S. deaths, which apparently would have taken weeks. 

As a result, some individuals who passed away after filing 2018 or 2019 taxes have been receiving relief payments, causing confusion for their families. According to the Centers for Disease Control and Prevention, 2.8 million people died in 2018, which means the IRS potentially could have sent out millions of checks to deceased individuals. Although Treasury Secretary Steven Mnuchin said in an interview that the money had to be returned, the IRS was slow to explain how exactly to go about doing that. 

The IRS has now issued guidance, clarifying that the money must be returned. According to the agency, the full amount of the payment sent to a deceased individual should be returned unless there is a surviving spouse. In that case, only the deceased spouse’s portion should be returned. Checks should be voided and returned by mail to the IRS. If a family member cashed a check or the money was received via direct deposit, the recipient of the funds should send the funds back via a personal check or money order. 

For further instructions on how to return the payment see below [as per the IRS website]

A41. You should return the payment as described below.
​
If the payment was a paper check:

1. Write "Void" in the endorsement section on the back of the check.
2. Mail the voided Treasury check immediately to the appropriate IRS location listed below.
3. Don't staple, bend, or paper clip the check.
4. Include a note stating the reason for returning the check. 

If the payment was a paper check and you have cashed it, or if the payment was a direct deposit:

1. Submit a personal check, money order, etc., immediately to the appropriate IRS location listed below.
2. Write on the check/money order made payable to “U.S. Treasury” and write 2020EIP, and the taxpayer identification number (social security number,  or individual taxpayer identification number) of the recipient of the check.
3. Include a brief explanation of the reason for returning the EIP.

For your paper check, here are the IRS mailing addresses to use based on the state:
Maine, Maryland, Massachusetts, New Hampshire, Vermont
Andover Internal Revenue Service
310 Lowell St.
Andover, MA 01810

Georgia, Iowa, Kansas, Kentucky, Virginia
Atlanta Internal Revenue Service
4800 Buford Hwy
Chamblee, GA 30341

Florida, Louisiana, Mississippi, Oklahoma, Texas
Austin Internal Revenue Service
3651 S Interregional Hwy 35
Austin, TX 78741

New York
Brookhaven Internal Revenue Service
5000 Corporate Ct.
Holtsville, NY 11742

Alaska, Arizona, California, Colorado, Hawaii, Nevada, New Mexico, Oregon, Utah, Washington, Wisconsin, Wyoming
Fresno Internal Revenue Service
5045 E Butler Avenue
Fresno, CA 93888

Arkansas, Connecticut, Delaware, Indiana, Michigan, Minnesota, Missouri, Montana, Nebraska, New Jersey, Ohio, West Virginia
Kansas City Internal Revenue Service
333 W Pershing Rd.
Kansas City, MO 64108

Alabama, North Carolina, North Dakota, South Carolina, South Dakota, Tennessee
Memphis Internal Revenue Service
5333 Getwell Rd.
Memphis, TN 38118

District of Columbia, Idaho, Illinois, Pennsylvania, Rhode IslandPhiladelphia Internal Revenue Service
2970 Market St.
Philadelphia, PA 19104

A foreign country, U.S. possession or territory*, or use an APO or FPO address, or file Form 2555 or 4563, or if you are a dual-status alien.
Austin Internal Revenue Service
3651 S Inter-regional Hwy 35
Austin, TX 78741

    Mind Your Loved Ones (MYLO) medical records storage app for Apple and Android

Launched by the American Bar Association (ABA) Commission on Law and Aging, Mind Your Loved Ones, known as MYLO, is a mobile app that gives individuals the ability to store their own and their loved one’s critical medical information and other related data on their Apple or Android phones, iPads or tablets.

With this app individuals can store on their smartphones their key medical information– such as medications, physician contacts, insurance information, medical notes, and any other material important to them.





MYLO can be used for purposes such as:

• Create separate profiles for each loved one. Reports are automatically created and can be shared electronically,
• Names, numbers, email addresses of important contacts,
• Event notes, Routine Appointment Checklist, Vital Signs, and Activities of Daily Living can be maintained and measured over time,
• Insurance information, medical directives, copies of cards and insurance forms
• A list of Prescriptions and medical records for themselves and their loved ones - and more

All of this may be great in an emergency, you'll have your loved one's medical information at your fingertips and won't have to hunt for it.

However, is it safe to have you and your loved one's information where it can be hacked or accessed by Apple or Android and provided to the authorities upon request.

The DNA information stored at the genealogy companies such as Ancestry 23andme, etc. that information has been provided to law enforcement dozens of times when requested to check for familial DNA, which is basically a "fishing" expedition -  casting a large net to see if anyone's DNA in the data-bank is close to DNA their looking for.

Is the app right for you? Maybe yes, maybe no - if interested, take some time to do some research before deciding.

The app is available through the American Bar Association for $7.99

Questions about planning for long term care or asset protection?  Contact us today 855.471.6771    [email protected]

The CARES Act signed by President Donald Trump



​The Coronavirus Aid, Relief, and Economic Security (CARES) Act is well known for how it has helped small businesses, similar to your husband’s. Many don’t realize that the CARES act was also designed to help older Americans adapt to the unprecedented public health emergency.

Through the CARES act, the Department of Health and Human Services (HHS) announced that nearly a billion dollars in grants from the Administration for Community Living (ACL) will go towards helping to meet the needs of older adults and people with disabilities during the COVID-19 pandemic. The grants will fund the following services for seniors: home-delivered meals; care services in the home; respite care and other support to families and caregivers; and more.

The CARES Act provides funding for programs authorized by the Older Americans Act of 1965 and the Rehabilitation Act of 1973, as amended by the Workforce Innovation and Opportunity Act of 2014. Through these programs, community-based organizations such as Area Agencies on Aging, Centers for Independent Living, senior centers, faith-based organizations, and other non-profits can provide resources and services to help seniors and help people with disabilities stay healthy and live independently in their communities.

Why CARES Act Provisions for Seniors are So Desperately Needed
Many seniors typically receive services in the community to help them stay healthy, safe, and independent, such as personal care assistance, home-delivered meals, and respite care for weary caregivers. Many of these services have been shuttered and the providers have temporarily closed down in an effort to slow the transmission of the coronavirus. The need for these services is still there, however, now more than ever. Adaptations necessary to provide these services in the current environment have increased costs to service providers. Funding from the CARES Act will hopefully help in making such adaptations. The $955 million dollars in CARES Act funding for senior programs is allocated as follows:

• $200 million for Home and Community Based Services (HCBS), which will help greater numbers of seniors shelter in place to minimize their exposure to COVID-19.
  • These include personal care assistance; help with household chores and grocery shopping; transportation to essential services (such as grocery stores, banks, or doctors); and case management.
• $480 million for home-delivered meals for seniors. With this funding, states can also expand “drive-through” or “grab-and-go” meals for seniors who typically would participate in meal programs at community centers and other locations that have been closed due to social distancing measures.
• $85 million for Centers for Independent Living to provide direct and immediate support and services to individuals with disabilities who are experiencing disruptions to their independent, community-based living due to the COVID-19 pandemic.
  • Services will ensure individuals with disabilities have the supports they need to safely stay in their homes or return home after a hospitalization or institutionalization during (and directly after) COVID-19.
• $20 million for nutrition and related services for Native American Programs to help tribes and tribal organizations provide meals and supportive services directly to Native American elders.
• $100 million for the National Family Caregiver Support Program to expand a range of services that help family and informal caregivers provide support for their loved ones at home.
  • These include counseling, respite care, training, and connecting people to information.
• $20 million to support State Long-term Care Ombudsman programs in providing consumer advocacy services for residents of long-term care facilities across the country.
  • Restrictions on visitation have significantly increased demand for ombudsman services, as families seek assistance in ensuring the well-being of their loved ones. Ombudsman programs will seek to expand their virtual presence to residents and their families, and continue to promote the health, safety welfare, and rights of residents in the era of COVID-19.
  • This funding will give Ombudsman programs the flexibility to hire additional staff and purchase additional technology, associated hardware, and personal protective equipment once in-person visits resume.
• $50 million for Aging and Disability Resource Centers (ADRCs), which will fund programs that both connect people at greatest risk to COVID-19 to services needed to practice social distancing and seek to mitigate issues created by it, such as social isolation.
  • ADRCs across the country are reporting unprecedented demand for assistance with applications for services, care coordination, services that support people in returning home following hospitalization, and similar services.

For seniors facing income losses in the wake of the crisis, the CARES Act also prohibits landlords from evicting tenants and charging fees and penalties related to nonpayment of rent for a period of 120 days. This only applies if the landlord’s mortgage is insured, guaranteed, or assisted in any way by several programs including HUD, Fannie Mae, and Freddie Mac.

According to Administration for Community Living Administrator, Lance Robertson, “Area Agencies on Aging, Centers for Independent Living, and other community-based organizations are working hard to expand capacity to meet the needs of older adults and people with disabilities during this extraordinary time. These additional funds will allow for an incredible response at the state and local level to meet the needs of people who are facing some of the greatest risks during the COVID-19 emergency.”

Another law that was enacted that provides $250 million dollars towards senior nutrition programs is the Families First Coronavirus Response Act (FFCRA).


How Seniors Can Access Assistance During this Time
The following are resources to help seniors and people with disabilities during the coronavirus pandemic:

• Older adults who need assistance can contact the Eldercare Locator to find services available in their community. The Eldercare Locator can be reached at 1-800-677-1116 or https://eldercare.acl.gov/. In addition, the Eldercare Locator can help people with disabilities find their local Aging and Disability Resource Center.
• People with disabilities can locate their local Center for Independent Living at https://www.ilru.org/projects/cil-net/cil-center-and-association-directory.
• Medicare Coverage During Coronavirus Q&A – This helpful resource answers FAQs about Medicare coverage during coronavirus.
• Q&A on How CARES Act Payments Affect Eligibility for Benefits
• Senior Centers Connect: This toolkit provides tips to promote social connection for senior center participants when your center is closed.
• COVID-19 Fraud Alerts and Resources, from the Senior Medicare Patrol Resource Center
• gov Get the details on when to expect economic impact payments coming from CARES Act legislation.
• gov Learn how Medicaid and CHIP will cover and pay for COVID-19 testing and benefits in this fact sheet.
• Social Security Stay up-to-date on developments with Social Security benefits during the pandemic.
• Veterans Administration Find out where veterans can go for testing and treatment if they suspect they have coronavirus.
• World Health Organization Stay updated on what’s happening across the globe.
• For more information about COVID-19, please visit: https://www.cdc.gov/coronavirus/2019-ncov/index.html

Get Your Planning in Place Today!
For anyone who does not have their planning in place, now is an ideal time to do so for many reasons, one of which is peace of mind. Medicaid Plus, P.C. is offering discounts to get your planning done (50% off incapacity planning documents for healthcare professionals and first responders and 20% off for everyone until the end of May).

Medicaid plus, P.C. has strategies to help everyone plan for themselves and their loved ones. With advance planning, each person can retain the income and assets it has taken a lifetime to accumulate, and provide themselves the peace of mind that they are prepared should something happen to them or their loved one.

If you or your loved ones have not done Incapacity Planning or Estate Planning, or if a loved one needs nursing home care or even if your loved one is already in a nursing home, please contact us as soon as possible to make an appointment for a no-cost initial consultation. For those who feel safer in their homes, we offer phone appointments or video conference appointments in lieu of in-person meetings (but we are still open for in-person ​meetings, of course using social distancing, safe sanitation, and face masks):

contact us today for a FREE phone consultation!    855.471.6771    [email protected]