What is Hospice & Palliative Care and Who is Eligible?   no comments

Posted at 6:39 pm in Articles,Elder Law FAQ

Hospice vs Palliative Care

Hospice care essentially means “comfort care” and is intended for patients with a terminal prognosis, typically diagnosed with a life expectancy of six months or less, regardless of age. The goal is to make such a patient, whose condition cannot be cured or improved,  as comfortable as possible  in a warm, supportive environment.  All appropriate medication, medical supplies and equipment are included, as well counseling and spiritual support.

Palliative care may be available to anyone of any age suffering from physical and emotional pain and suffering, including that person’s family, and is not tied to a limited life expectancy. Palliative care focuses on the symptoms that cause physical and emotional pain following diagnosis of an illness, and includes medication to alleviate suffering and enhance the quality of life.

Hospice care may be provided in one’s own home, or in a dedicated hospice facility, or in a long-term care facility. Some counties provide free non-medical hospice care services, typically provided by trained volunteers. Perhaps the largest source of hospice care coverage is provided by the Medicare Hospice Benefit, which is available to individuals over 65 years of age. Since this benefit covers virtually everything relating to hospice care, one does not have to be concerned about out-of-pocket costs.

How does one get the Medicare Hospice Benefit?  The patient must satisfy four key requirements:

  • must be eligible for Medicare Part A
  • must have a terminal illness of six months or less
  • must choose hospice care instead of routine Medicare benefits and sign a form certifying that they are making this choice; and
  • must be in a Medicare-approved hospice program

Medicaid, private insurance or pre-paid health plans typically cover hospice most services. One should check their eligibility requirements and scope of coverage.  To be eligible for such coverage, one must have a prognosis of six months or less.

Written by RobG on April 20th, 2018

Does One Need a Lawyer to File For Guardianship?   no comments

Posted at 4:31 pm in Guardianship FAQ

When should one hire a guardianship lawyer to obtain guardianship?  Given the important issues involved, one should always get legal guidance.

The legal effect of guardianship is to take away a person’s legal right to make his or her own decisions.  Courts won’t do do this if there is a less restrictive alternative.

Just because you file to be appointed legal guardian does not mean the court will appoint you. The court could appoint an attorney or someone else.

Are you prepared to answer the court’s questions and convince the court you are a suitable, or the best person to serve as the disabled person’s legal guardian?

Family fighting over money and misunderstandings can make life very stressful for everyone, create anger and cloud one’s judgment.  Emotional reactions lead to hurtful comments and poor decisions that make matters worse.  The person that ends up suffering the most is the disabled person.

An experienced guardianship lawyer, like Rob Goldman, who has over 30 years of experience, which includes court ordered mediation in guardianship cases, can provide objective, legal and practical guidance, calm everyone down and help figure out the best way to address all concerns.

It is far less expensive to do things right the first time than to have to fix mistakes later.  Many people  get their information from friends and family, or the internet, but don’t really understand the issues. The first step should be to consult with a guardianship lawyer to ask questions and better understand the legal and practical considerations necessary to make informed decisions.

Judges want to be sure that a guardianship appointment is in the disabled person’s best interests.  An experienced guardianship attorney knows what a judge is looking for and help you understand the responsibilities of a guardian and what the court expects from you in terms of record-keeping and reporting to the court.

Although there is no legal requirement to hire an attorney to pursue guardianship, given the crucial personal rights and property interests involved, it is wise to consult with a knowledgeable guardianship lawyer. In problematic cases, the judge may insist you retain legal counsel. 

Moreover, there may other areas of law that have to be considered, such as estate planning, tax planning, marital property rights, and very importantly, Medicaid law. Mismanagement of the disable person’s planning for disability, in particular with regard to eligibility for public benefits, can very serious and possibly subject the guardian to personal legal liability and could even result in criminal prosecution. Long story short, don’t short-change yourself or the disabled person by cutting corners. You need to find out what you need to know and do things right!

Contact us now to discuss your concerns and determine whether guardianship is the best approach or how best to address the issues.

Baltimore Guardianship Attorney

How will filing bankruptcy effect my credit?   no comments

Posted at 6:01 pm in Bankruptcy FAQ

Bankruptcy will help improve your credit if it is already bad. Bankruptcy does not reduce your credit score as much as does being 90 days late on a payment. If you are deep in debt and struggling to pay, your income-to-debt ratio is probably so bad that no-one would extend you credit anyway.

If you are planning on buying a home, typically you won’t qualify for at least three years. You don’t have a realistic chance to qualify for a mortgage anyway when you have debt problems. If you already have a house and a car you probably don’t need big credit in the foreseeable future.

At at least you will have cleared up your debt and be on the road to a healthier, more affordable future, and will most likely improve your relationship with your significant other.

Since everyone’s situation is different, it makes sense to have an experienced lawyer review your options and guide you as to the best debt relief approach for you.

Contact us now to learn how to make a fresh start and rebuild your credit.

Contact Baltimore, Maryland Bankruptcy Attorney

Written by RobG on May 15th, 2017

How much does it cost to file for Chapter 7 bankruptcy?   no comments

Posted at 5:20 pm in Chapter 7 Basics

What is the cost of not knowing what you don’t know?

Volume bankruptcy lawyers don’t take the time to provide a thorough personalized experience to help you maximize the benefits of filing bankruptcy or to understand how you came to be in financial difficulty and consider other options. You may never know …

The out of pocket costs to file bankruptcy are: The filing fee for Chapter 7 is $335 and for Chapter 13 it is $310. There can be minor other costs such as credit counseling and search fees.

Why should you pay more than is necessary?  Every case is different.  If you want a fair fee, invest in a thorough evaluation of your circumstances and then the fee can be tailored to be fair for you, and me.

 

Contact us now to take the first step to “Peace of Mind.”

Contact Baltimore Chapter 7 Bankruptcy Attorney

Written by RobG on May 15th, 2017

What is Guardianship?   no comments

Posted at 10:32 pm in Elder Law FAQ

What is Guardianship?

Guardianship refers to the authority granted to a person by the Court to take care of a disabled person’s person and / or property. If a family member or someone in need is unable to manage his or her affairs due to frailty, long-term illness, disability or mental incompetency, you can petition the court for guardianship.

A person is deemed to be competent unless a court has determined otherwise. Before making a decision, the court appoints an attorney to represent the interests of the alleged disabled person, and that attorney provides the court with a written report. The alleged disabled person’s assets and income needs to be reported to the court, and there are strict rules governing the management and accounting of the assets of the guardianship estate.

The court may, but is not required to appoint the petitioner as guardian. There is no specific test to be met for a guardianship award. The court takes into account all the facts and circumstances and uses its discretion to make an equitable determination. An experienced attorney can assist you by explaining how a court may view the particular case and what should be done to satisfy the court to increase your chances of being appointed.

A guardianship order can be obtained in a day or two in an emergency situation, otherwise the process can take a month or several months. The cost, delay and administrative inconvenience of a guardianship can be avoided by having a durable general power-of-attorney signed before one becomes incompetent.

Planning and timing is important. Everyone, and senior citizens especially, should meet with an attorney with experience in these matters to review their basis estate planning needs and plan for disability. Having a power-of-attorney in place will make it easier for your representative to act quickly on your behalf and avoid the stress, delay, inconvenience and expense of a guardianship proceeding.

Contact us now to inquire about our elder law services.

Contact Baltimore, Maryland Elderly Family Attorney

Elder Law Misconceptions   no comments

Posted at 9:55 pm in Learning Center

Do any of the following situations apply to you?

  1. When I reach age 65 I will automatically be eligible to receive Medicaid benefits.
  2. I don’t need a Power-of-Attorney because I put my daughter’s name on my accounts?
  3. I don’t need a Will because I don’t have much.
  4. I can gift up to $14,000 a year to each of my children and thereby protect this money from the nursing home and qualify for Medicaid when my funds run out.
  5. I can protect my money by adding my son’s name to my accounts.
  6. I’ll just transfer everything I have into my children’s names. I know they will take care of me and then my money will be safe from the nursing home.
  7. I know many people who have added their children to their deed to protect their home against the nursing home and that will work for me!
  8. I don’t need legal documents now because I am in good health.
  9. I will never have to go into a nursing home because I have good kids who will take care of me and make sure I never have to go into a nursing home.
  10. I really don’t need legal documents now because my kids’ names are on all our accounts and our home.
  11. I have a disabled son who has lived with me his entire life. I recently put his name and my daughter’s name on all my accounts and on my house in case something happens to me. My daughter said she will make sure my son is taken care of and I know I depend on her.
  12. Mom has Alzheimer’s, and I want to put mom’s accounts and house in my name to protect them from the nursing home.
  13. Most of the money belongs to me and is only in my name, so my money is protected if my wife has to go into a nursing home.
  14. I have left my house and all my savings to my sister and my children equally in my Will. If I put my sister on all my accounts and name her as the Personal Representative in my Will that will avoid any conflict among my children, who don’t get along.
  15. I don’t need to plan for nursing home expenses because I have good health insurance and a good income.
  16. I’m in a second marriage. All my money belonged to me before I remarried and I keep all my money in separate accounts.
  17. If I need a legal guardian, my children will ask the Court to appoint my oldest child as guardian.
  18. The nursing home said they can help me apply for Medicaid and I don’t need to see a lawyer.
  19. I can apply for Medicaid myself and if the paperwork isn’t complete, the Dept. of Social Services will tell me what I need to do to address any issues.
  20. My kids all work full-time and have a busy life, but they promised they would never put me in a nursing home so all I really need right now is a simple Will.
  21. I want to treat all my children equally, but one has a drug problem and another is in a bad marriage and I don’t want their shares to go down the drain, so I’m leaving everything to my son who said he will take care of his sisters.
  22. I have three siblings but only I take care of my dad. My brothers state they are too busy. They hardly ever visit or call to find out how dad is doing. Dad told them he was going to take them off his Will. Now they accuse me of manipulating our dad and are threatening to take me to court if they are not treated equally.
  23. My friend’s daughter is a paralegal and she says I can save a lot of money by going onto the internet and doing things myself.
  24. If I give someone power of attorney, they will be in charge of me and my property and I won’t be able to make any more decisions myself.
  25. My mother has moderate Alzheimer’s and can be stubborn, even aggressive, at times. But she made me power-of-attorney a few years ago and so if she gets too difficult I can just place her in a nursing home.

Each statement, decision and belief above is erroneous. Not knowing what you don’t know can be scary. Not doing something about it can lead to catastrophic consequences.

How do you make your decisions? Friends can provide helpful pointers and referrals, but just because they are well-intentioned does not mean they are knowledgeable about the law. Effective planning depends on you making the right decision for you. How can you do that if you don’t understand the impact of the various laws that affect estate planning?

It takes considerable legal training and experience to be able to recognize all the issues and potential pitfalls on a case-by-case basis, explain them clearly so that you can make an informed decision, develop a plan that works for you, and help you every step of the way through implementation. – That’s what brings you ‘Peace of Mind!’ At Rob Goldman Legal Solutions, we do this stuff every day! The real question is: Can you afford not to do things right?

Are you a procrastinator? Do you have any idea how often a seemingly healthy person suddenly becomes disabled or dies from a heart attack, stroke, or aneurism, not to mention a car or other accident? Do you think it is sensible, or fair, for those who care about you, to have to take off even more time and run to lawyers and the court and get even more stressed out because you do not have the necessary documents in place to authorize someone to manage your affairs, get access to your information, and make decisions on your behalf? You can always change your documents later, but why not take care of getting your affairs in order now? Don’t wait until it is too late. You may miss out on valuable estate planning and asset protection possibilities.

If you need elder law services in Baltimore, Dundalk, Essex, Rosedale, Middle River, White Marsh, Parkville, Abingdon, Bel Air, Aberdeen, Havre de Grace, Owings Mills, Reisterstown, Pikesville, Maryland, ROB GOLDMAN LEGAL SOLUTIONS is the law firm Marylanders turn to for calm, sensible advice and Peace of Mind.

Contact us now to inquire about our elder law services.

Contact Baltimore, Maryland Elderly Family Attorney

Written by RobG on February 28th, 2016

Do I need to sign over my house and savings to pay for the nursing home cost of care?   no comments

Posted at 7:24 pm in Elder Law FAQ

Do not listen to what the nursing home office tells you! In many cases, the family home is or can be protected. Experience has shown that nursing home business office managers and Medicaid assistants do not understand key aspects of the Medicaid laws.  You could end up paying a whole lot of money to the nursing home that you didn’t need to!

Whether the issue is keeping your home or your savings, the Medicaid laws a re complicated and different rules apply depending on the facts and circumstances.

The most important first step is to consult with an elder law attorney, who can evaluate your case and explain your rights and options.

Retain an experienced Elder Law Lawyer to represent your interests. The nursing home only cares about what is good for the nursing home.

When you have the information you need to understand your Rights & Options, you will be able to make sound decisions. See the next question regarding asset protection planning.

Contact us now to inquire about our elder law services.

Contact Baltimore, Maryland Elderly Family Attorney

Written by RobG on February 28th, 2016

Should I sign a nursing home contract?   no comments

Posted at 7:18 pm in Elder Law FAQ,Learning Center

You should always review a proposed Nursing Home Contract with an Elder Law Lawyer before signing or providing significant financial information to the nursing home.

While most people prefer not to enter or place a loved one in a nursing home, there are times when, despite one’s best intentions, one has no alternative. Because nursing home care is so expensive, typically round $9,000 (in 2016), it is essential to consider the potential impact of nursing home care on one’s finances and to take advantage of whatever planning opportunities may exist. By doing so, you will maximize your options to protect the family assets and ensure that the community spouse is not left destitute.

Nursing homes have tremendous expenses, and their contracts are designed to protect the nursing home as much as possible. Although there are laws that protect nursing home residents and their families from over-bearing contracts and abuse, it is up to you to seek professional guidance and review of the contract before you sign it. You also want to be sure not to assume personal liability for the resident’s nursing home expenses. By obtaining professional legal advice before you sign anything, you will allow your attorney to show you how to avail yourself of income and asset protection planning opportunities that may no longer be available after the contract has been signed.

Some nursing home office managers will tell you they can help you apply for Medicaid and that you don’t need a lawyer.  Beware!  Experience has shown the nursing home assistants who do this often do not understand key aspects of the Medicaid laws and do not tell you what you can keep or advise you how to protect your assets.  And if the Medicaid application is delayed or denied, the nursing home will say they were only helpying you with the application and will hold you responsible. Can you imagine being suued by the nursing home for $18,000, $27,000 or more?  Invest in a professional Elder Law Consultation with an Elder Law Attorney so that you can understand your Rights and Options and make an informed decision.  

The decision over whether to place an elderly parent in a nursing home often leads to family tension among children and siblings.  Our experience includes relationship counseling and pragmatic problem solving.  Having a neutral professional consider the  various points of view and motivations can go a long way to easing family tension and finding a solution all or most can accept.

The quality of care your loved one receives at a nursing home depends a great deal on how much time you spend visiting and talking with the care-givers. The less interest you show, the greater the likelihood of neglect.

Contact us now to inquire about our elder law services.

Contact Baltimore, Maryland Elderly Family Attorney

Written by RobG on February 28th, 2016

What is the Spousal Elective Share?   no comments

Posted at 1:30 pm in Articles,Elder Law FAQ,Probate FAQ

The purpose of the spousal elective share  law is to provide some protection to a spouse against being disinherited by granting the surviving spouse a right to elect to receive a percentage of the decedent’s estate instead of what, if anything, is provided in the Will. See Estate & Trusts Article 3-208.  The statute also provides how the elective share may be waived (3-205).

Spousal election used to apply only to assets in the probate estate. Non-probate assets were exempt. Many states, including Maryland, now provides that spousal election extends to the augmented estate, i.e. which includes non-probate assets. The rationale for augmenting the scope of the assets that can be reached is to protect a spouse against estate planning designed to move assets out of the probate estate to reduce or eliminate a spouse’ elective share. There are exceptions, and in some instances matters are not always clear-cut.  For instance, a pre-nuptial agreement or a marital separation agreement may negate the spousal election. The distinction here, is that these are consensual agreements.

In the context of Medicaid paying for long term nursing home care, if the Medicaid recipient’s spouse predeceases, the Medicaid recipient is still entitled to his or her elective share.  His representative must claim the elective share timely and report this claim to the Dept. of Social Services managing the case. Failure to do so will result in the non-claimed assets being treated as a gratuitous transfer, which will trigger a penalty period and make the Medicaid recipient ineligible for continued Medicaid benefits. The Medicaid recipient’s representative may also become personally liable.  In the context of Medicaid eligibility, the State’s Medicaid Recovery Lien does not extend to the augmented estate. 

One must following the procedure and file the election timely or the right to elect against the Will will lapse. These are matters that should be discussed with an attorney exeprienced in Elder Law and probate matters as soon as possible.

 

Maryland Marriage Law Attorney

Written by RobG on November 6th, 2015

DO I REALLY NEED A PRE-NUPTIAL AGREEMENT?   no comments

Posted at 11:35 am in Articles,Elder Law FAQ

The key purpose of a pre-nuptial agreement is financial protection of assets owned by each spouse prior to the marriage, including income protection and liability for alimony, and can include assets acquired during the marriage. Should your new spouse become entitled to half of everything you own immediately upon your becoming married simply by virtue of being married to you?  Doesn’t it make sense to give the relationship time to prove whether and to what extent you have a true partnership in a future together?  If you were mistaken or misled and either party wants out of the marriage, are you really okay with giving up half your stuff?

A second key purpose of going through the pre-nuptial agreement process is that the process itself is an incredibly effective learning and bonding experience. Your learn a lot about how each other thinks, what they want and how they respond to and resolve differences.  This process can give you a terrific sense of validation in your choice of a partner and the confidence you need to move forward with peace of mind!

Marriage is more than milk and honey; marriage is an economic partnership that can have substantial financial impacts over time. The point is that if you want to provide for your spouse, be generous and so forth, you can provide for this in a sensible, graduated manner that protects you against unexpected revelations about your spouse and against people referred to as ‘gold-diggers.”  The latter type of people look for and prey on well off, often lonely, people, who they subtly manipulate, and when they feel the time is right, provoke a failure of the marriage and claim half, or more, of the assets.

Insisting on a pre-nuptial agreement does not imply that you don’t trust the person you love. It means you are intelligent enough to recognize that being in love doesn’t mean you should impulsively give away the farm without first allowing the relationship to stand the test of time. You want to be sure the person you are marrying is marrying you for the right reasons, that you are marrying that person for the right reasons, and that your goals and approach to reaching those goals are compatible. Do you really want to be with someone who is reluctant, or refuses, to consider and validate your concerns?

Over 60% of marriages end in divorce!  A relationship should be satisfying, with good communication, exchanges of ideas, learning how to compromise, a healthy sex life, fun times and working together. You should feel you are a team. Of course, there are some exceptions where people have disabilities and other life-changing issues. If this isn’t true of your relationship, have you really thought through what you want for the long haul?  Diving into a lottery pool where the odds are not in your favor is, simply put, not smart. Make sure you know what you are looking for in a spouse and whether the person you have chosen meets those criteria. Although managing a relationship can be challenging at times, and takes some effort and consideration to make smart choices, a good, healthy, sustainable relationship should not be hard work.  Do not ignore red flags! – This is the time to get some help to figure out how to handle the problem, how to re-evaluate and decide what is best for you.

The reality is that sometimes people are not who you think they are.  For some people, marriage is a passport and the culmination of an effective courtship. The sense of “mission accomplished” can mean there is no reason to try any longer and one can revert to one’s true self.  Surprise, surprise!    And people change. Goals change. Looks and outlooks change. Trust and loyalty can turn into mistrust and betrayal.  You can be doing everything right and it’s just not good enough.  In some cases, nothing is ever good enough.  The reasons unexpected or unforeseen changes occur are infinite. The reality is that change happens, often when you least expect it. Protect yourself! Protecting yourself does not mean you need to do so at the other’s expense. There is no place for a sense of entitlement.

If you are a young couple wanting to start a family, neither owns much, and you wish to build a life together, in most cases, a pre-nuptial agreement is not necessary. However, making sure you have good reasons to believe your are right for each other to make this journey together is still very important. Consulting together with an estate planning attorney/counsellor to review your thoughts as to careers, investments, retirement planning, decision-making, basic legal planning, and so forth, – before you get married may be very helpful in learning more about how each other thinks and how well you can discuss and resolve issues. This process may incease your sense of confidence or it may raise red flags that will give you reason for pause.

When one party is substantially wealthier, or if one has been married before, one person is considerably older, or there are other important considerations and interests that warrant protection against marital property claims if the marriage doesn’t work out, it makes sense to explore, with a professional, whether a pre-nuptial agreement is appropriate for you.  If you find yourself hesitating to invest the time or money to do so, ask yourself whether securing your financial security and happiness is important to you. If you care so little about protecting your own interests, do you really expect others to care about your wishes and needs?  Sensible planning is a smart investment in your financial security and peace of mind!

Again, … why should someone become entitled to a windfall solely by reason of having married someone of substance? Why should “half” or more be fair just because one got married? There is a huge difference in sharing equally the fruits of what a couple contributed during their marital partnership, and being forced to share with a taker and user. – There are many different ways to contribute to a marriage partnership and talking through that early on is important too.

Don’t you want to have a better understanding of the challenges, the risks, the pitfalls and the techniques to better equip you going forward?   The right adviser can be a cross between a mentor, a coach, a guidance counselor, a strategic planner, a marriage counselor, an investment counselor, an insurance counselor, and more!    If your intended spouse is not right for you, wouldn’t you rather find out now than after you’re married, have children, buy a house together and who knows what else you have committed yourself to?  For all these reasons, you owe it to yourself to invest in a thorough marriage partnership consultation?

A pre-nuptial agreement can provide for greater sharing as the marriage partnership proves its stability over time and ensure that the value of other spouse’s contribution to the marriage (in all ways), is fairly addressed. However, it makes no sense that a marriage partner who brings little into the marriage should be able to benefit at the expense of the other spouse or have an economic incentive to have the marriage fail. Bear in mind that a pre-nuptial agreement can be highly customized and creative to provide solutions for a variety of needs and concerns.  The bottom line is that it doesn’t hurt to get some good professional guidance early and enable yourself to decide how best to move forward with confidence, … and it may hurt you very badly if you don’t!– You are the master of you own destiny!

Contact Baltimore Pre-nuptial Attorney

Written by RobG on November 6th, 2015