Good Retirement Investing Guidance & Methodology .
It can be overpowering and because you need to live your retirement years with a little nest egg it's also something you do not wish to screw up. Retirement planning can be complicated to start with, it looks that there are so very many things to think about and to work out in the plan. Lots of folks in that scenario would give up or ask their family or buddies, but why don't you use a retirement planning services? This is a great idea for all who need to plan their retirement successfully. These are made to make the most sensible plan for you. Retirement planning services have all of the info and know exactly what you need.
Pro solutions are excellent since they give you a new point of view in opposition to the commonly accepted you've got. The services are excellent tools which basically help offer you ways you can help in saving money even in your limitations and also put your cash where it can work for you. With an ardent eye for figures and a good heart beat on what's predicted of this business, they help to give you relevant solutions which can work for you practically and also appear highly appealing to you. Otherwise, you could pass thru the surprise of seeing your techniques fail and so, you may want to have some of your questions untangled in some form. Solutions that you find will give you a full experience of where you stand and what you must look to realize. Therefore , they can not do too much about changing their option and stopping the loss of cash. An alternative way to contemplate the difficulty would be that you have got to have some hedge funds prepared so that with the tiny amount of cash you have prepared, you'll be ready to receive some kind of revenue during every month.
For the ones that are prepared to take more risk than normal with their money invested in retirement plans, then the best piece of guidance is usually to give them encouragement to put their cash into their instruments, because that would assist them to have an amount of security toward not losing money in the long run. Unlike plenty of other states of west, in India we don't have state-sponsored social security for the retired folks. Though the mandatory savings in prudent fund thru both worker and employer contributions should offer some cushion, it might not be adequate to support you through your retirement. More over with hedge funds the stockholders can basically plan for themselves and also attain their planned objectives. That explains why retirement planning is critical for each one. In comparison to direct instruments this option of retirement fund is safer for planning your retirement corpus. IRA property investing compensates for roughly half of the U.S.’s net worth per capita, and virtually twice that much of wealth is acquired via real-estate. But unhappily enough, some p.c of that's purchased from IRA making an investment in real-estate. So why is it that so many folks are still not using their IRA accounts for real-estate investing? The raw easy fact is ‘ignorance ‘ ( shortage of information ) or self education. You'd be astounded by how many CPA’s still have no idea to the incontrovertible fact that their customers may be using IRA’s for real-estate investing and it's basically ‘legal’.
5 Things You Have Got To Know When Deciding The Easiest Way To Invest For Retirement.
So what do fiscal planning and retirement planning have to do with one another? The answer's everything. Your monetary planning should just be an exercise to help get there. Most individuals lose touch with their retirement, particularly when it feels like a good way off, as an alternative they focus only on having the ability to obtain enough assets for the here and the now. As a backer myself I've seen first hand the changes taking place and the possibility to hand. And so I suspect the question is, Are you one of those folks? Are you prepared financially for your retirement future? Or are you one of those people that just desire more and won't take less than the best? Which is great, do not misunderstand me. Or perhaps your at this point and have nothing to no retirement. The point is, why take less if you can have your dream and security all by employing your IRA and making an investment in property. In India folks still rely on bank savings and fixed deposits for retirement purpose, which is sadly insufficient.
This is critical, because, unlike developed countries, India hasn't got a social security net. Retirement should be the best period of your life, when you can relax and relax or enjoy life by reaping advantages of what you earn in so many years of tough work. Retirement Planning takes added seriousness due to the fact that though longevity has increased the quantity of working years haven’t, so you finish up spending the last segment of your life without earning. Retirement planning services take a really methodical, systematic approach to the entire process of planning. Pro solutions are perfect since they give you a new viewpoint in opposition to the commonly accepted that you have got. They help you analyse your present position and fiscal pliability, and help suggest possible choices which can work in your favor. With an ardent eye for figures and a good heart beat on what's predicted of this business, they help to give you relevant solutions which can work for you practically and also appear intensely appealing to you. Solutions that you find will give you a full experience of where you stand and what you must look to realize. Otherwise, you could pass thru the surprise of seeing your secrets fail and so, you may want to have some of your questions untangled in some shape.
An alternate way to contemplate the difficulty would be that you really need to have some hedge funds prepared so that with the little amount of cash you have prepared, you'll be able to receive some type of revenue during every month. So , they can not do too much about changing their option and stopping the loss of money. For the ones that are ready to take more risk than normal with their money invested in retirement plans, then the best piece of information is to give them encouragement to put their cash into their instruments, because that would permit them to have a certain amount of security toward not losing cash in the long run.
Seniors : Benefits And Flaws .
You have worked hard all of your life and now it is time for the reward-the liberty to do what you need when you would like. Naturally you are as young as you're feeling but being a bit older can imply there are some extra risks . Travel is becoming so easily reached that it hasn't ever been more well-liked by seniors. The reality is, travelers are likely to fall sick or fall prey to accidents than younger travelers. Celebrate and love the body you have! Each wrinkle, stretch mark, grey hair, rounded contour, ache and agony is a mark of your increasing maturity and knowledge! Bette Midler once declared that if you're a lady and consider yourself uninviting — visit another culture for a wake-up call. American stereothypes of physical beauty are mad dreams conceived by marketing experts who are playing on our stresses and worries so as to sell us more products. What to do : Relax! Enjoy your other half. – Fretting about sexual performance may very well scale back the body’s capability to perform sexually, men may experience penile dysfunction, girls a lack of ability to lubricate. Look into their eyes. Manual Wheelchairs The selection of manual wheelchair or power scooter can at times be simple if you're forced in one particular direction or the other.
Chatting to your physician or pro who will aid you in determining your requirements when it comes choosing a power wheelchair. Have you got buddies that have bought or employed a motorised wheelchair, they could be able to help you in choosing on if you want a power chair and which one to buy. Users of motorised wheelchairs often have limited power in their arms or body and need the employment of a power wheelchair. You must understand that many au pairs come from developing nations so you won't be confounded when you find one. An au pair is a good addition to your house as she will help with routine daily activities of elders ,eg cooking recipes, serving, and washing. For both possibilities, you need to ensure that you select the ideal individual who has experiences in looking after elders and has compassion in doing her job. Getting a geriatric care nurse, either part-time or full time, is another choice you can consider.
Seniors : Is There An Alternative Choice To CDs For Senior Retirement Planning.
As a kid your mom and pop anxious about your well-being the looked after you the provided for you, and put your interest before their own. They made certain that the children came 1st, now the children should ensure the elders come first or at the very least not fret about what they are going to get when the pass away. To several kids of seniors and the senior’s themselves are too anxious over what will be left when their gone. If there should be anything left over for us to leave our kids they ought to look at it as just what it should be a present. These provide care for elders getting over a selection of problems, and offer private care, care, and hobbies like crafts. Some twenty-five years back, I glance at the assets of my folks and did some future planning with them, and came to the decision that what they'd was theirs and they shouldn't care about what they left at the back for us youngsters. An adult day care center lets you your duties throughout the day or take a required break from the demands of elder care. Probably, an adult day care facility can deliver the best mixture of private care and urge to stay home.
In the evening or alternatively acceptable time, the one that you love returns home with you. If you choose not to use the Web to hunt for your senior’s cover then it's often possible to turn to an insurance broker. The precise pricing of seniors insurance will depend upon a large amount of different factors like geographic coverage, single vs multi trip limitations, and other considerations. But when you use online sources you can help your search and compare seniors insurance plan quotes. Without reference to the specifics of the policy, you'll be able to find travel insurance for seniors that are both cheaply priced and complete.
More Self-defense Tips For Seniors.
Although you will live in a safe or protected community, it can never hurt for an old age pensioner to carry a pleasant, dynamic yet compact OC gas. A tiny, simple to use self-protection item like this is ideal, unless, naturally, you've got some kind of physical limitation that would stop you from utilising the self-defense item of choice for the majority of people in their golden days. You do not have to be a sportsman to tug out a tiny container and spray it at somebody just as if you were spraying a bug! In the event that you can't employ a pepper gas, purely for protection, naturally, or if you should happen to feel unsure about carrying one, you need to definitely consider an individual alarm or electronic whistle. Some older citizens wish to carry both the OC gas AND the private alarm or electronic whistle, of course, you can't take too much care, right? Nowadays, with crime rising, you never can say when some young person may think that due to your age, that you'd be a fat target, for them to bump you down, grab your wallet or purse, and run away! Though the pepper sprays don’t cause any long-term harm or damages to the assailant, he's going to be out of commission for twenty or half an hour, with his eyes slamming shut, and a strong burning feeling. These are devices that are battery-powered, and if anybody ever attempts to trouble you, grab your wallet, or what have you, simply push the button, and the device will emit a slightly loud whistling sound that may actually attract interest. He's going to have breathing problems, he is going to be coughing and choking, and he actually won't be well placed to focus on taking from you whatever it was that he was considering before the OC spray blast to the face! We reside in a time where folks have to guard themselves more and more before, and whether you get an electronic whistle or alarm, or an OC spray, or both, the important thing is to carry something to extend the likelihood of you walking away unhurt! Items like these aren't usually found in a convenience or corner store, but they sometimes can be purchased online from a site that sells self-protection items.
Sadly , infrequently pensioner housing is the sole choice you have got. You can't leave your mum and dad or grandparents alone at home where they may endanger themselves. There's no one who can look after them or help them as they start wanting help to do certain activities that they once used to be in a position to do by themselves. Many accidents have occurred because folk keep leaving their elders alone at home though they understand that those old folk can't look after themselves as they were. If you choose not to use the Net to go looking for your senior’s insurance cover then it's usually possible to turn to an insurance broker. But when you use online sources you can accelerate your search and compare seniors insurance cover quotes.
Without regard for the specifics of the policy, you'll find travel insurance for seniors that are both cheaply priced and thorough. The precise pricing of seniors insurance will rely upon lots of different factors like geographic coverage, single vs multi trip limitations, and other things. The weight of the chair is considerably increased over that of the manual wheelchair. If you decide that you actually do need a power wheelchair you need to discover if you qualify for a free or low cost power scooter. That is because of the simple fact the power wheelchair homes the weight of the battery and motor. A fast net search will bring up different corporations that sell power chairs and they have specialists available which will fill out all of the obligatory documentation. I actually ordered not to put me in the will that I wanted them to use each dime they could for their delight in life in their retirement years. With the country in mess our elders are seeing the worse industrial times in their life, and they most likely won't see it turn around during their lifetime, this is correct for many that are in retirement.
They have seen their houses use in value their allowance vanish and the price of living treble in the last couple of years. So what to do to help? If you're truly anxious there's one place that may still give them some revenue to help with survival the Reverse Home Loans. I hear it all of the time when I sit down with seniors to chat about how they can unlock some money to live, when the youngsters are concerned there is in many cases stupidity from the kids they're chucking away money.
Man Charged With Abuse of Elderly Mother (MI. USA)
Man Charged With Abuse of Elderly Mother (MI. USA)
by LaNia Coleman
The Bay City Times
June 25, 2009
Authorities claim an 84-year-old woman had to have her foot amputated because her 54-year-old son neglected her.
District Judge Stephen P. Carras has arraigned Jonathan P. Nelson of Midland on one count of first-degree abuse of a vulnerable adult.
The victim was taken to the emergency room at MidMichigan Medical Center – Midland on May 12 where staff reported she had a fractured ankle, open wounds on one foot and dried feces on various parts of her body, earlier reports indicated.
Nelson remained jailed on $250,000 cash bond. He is awaiting a Wednesday, July 1, preliminary hearing.
At that time, a judge will decide whether sufficient evidence exists for Nelson to face charges in Circuit Court.
First-degree elder abuse is a felony that carries a maximum 15-year prison sentence.
Nelson is 16 months in to a five-year probation sentence for domestic violence, third offense, and attempted resisting and obstructing a police officer, state Department of Corrections records show.
He pleaded no contest to the charges in Midland County.
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Kiwanians Hear About Elder Exploitation (FL. USA)
Kiwanians hear about elder exploitation
6/25/09
The program for the weekly Kiwanis luncheon on Tuesday, June 23, was presented by Glenda F. Swearingen, an attorney from Marianna. Swearingen’s practice focuses on elder law, and her topic Tuesday was elder exploitation in Florida.
According to Swearingen, “exploitation” is when a person in a position of trust and confidence by deception or intimidation obtains, uses, or attempts to obtain or use a vulnerable adult’s funds, assets, or property with the intent to temporarily or permanently deprive a vulnerable adult of the use, benefit or possession of the funds, assets or property for the benefit of someone other than the vulnerable adult.
Common types of elder exploitation are: identity theft, imposter fraud, mail fraud-solicitation, moving scams, investment scams, long distance calling scams, home repair fraud, charities fraud, telemarketing fraud, and water softener scams.
Sadly, the most common exploiters of the elderly are children, with other relatives or friends also common. Least likely are the siblings of the elder person.
A test for these scams is, IF IT SOUNDS TOO GOOD TO BE TRUE, IT IS!
If you know of or suspect exploitation of a vulnerable adult, Florida law requires everyone to report the problem to Adult Protective Services immediately. The Florida Abuse Hotline is 1-800-96-ABUSE. The Florida Elder Help Line is 1-800-963-5337. The Florida Domestic Violence Hotline is 1-800-500-1119.
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Panel Focuses on the Dangers of Elder Abuse (CA. USA)
Panel focuses on the dangers of elder abuse
By Michelle Knight
knight@theacorn.com
Esperanza Boggs, 89, lost everything after her son, David Boggs, 51, set fire to their Camarillo home and killed himself on June 11.
Described by his mother as armed and dangerous, David Boggs had been under investigation for alleged elder abuse, accused of holding his mother a virtual hostage for years in their home and embezzling $211,000 from her.
He set the home ablaze shortly after Ventura County deputies arrived at the mobile home to serve him with court papers to move out.
Esperanza Boggs’ story, although more extreme than most, is familiar to social workers who deal with the increasing problem of elder abuse in Ventura County.
To help protect the county’s growing senior population, a panel of experts recently addressed how the elderly can protect themselves from abuse, financial and otherwise, during a discussion at the Goebel Senior Center in Thousand Oaks.
Marcy Snider, coordinator of Ventura County Human Services Agency’s adult protective services, said her agency received 2,100 referrals of elder abuse last year.
“This year, we’ll easily surpass that,” Snider said.
Social workers with adult protective services investigate neglect or abuse and connect elderly victims to resources in the community. The statemandated program is voluntary, free of charge and available to those 65 and older.
Many referrals to the agency involve caregivers not taking proper care of their elderly charges, Snider said. But financial abuse of seniors has become the No. 1 complaint in the past four months, she said.
Snider described an elderly woman in the East County who was lonely and befriended by a salesperson over the phone. Eventually the salesperson scammed her out of $50,000. Scam artists have duped money from retired teachers, lawyers and other well-educated professionals.
Family members and friends have also taken advantage of the elderly, Snider said. Caregivers have bought groceries for the senior but also for themselves and have filled up their gasoline tank on the senior’s credit card. The elderly person may have poor eyesight and not notice the extra charges on the statement. A friend or family member may steal blank checks from the bottom of the senior’s checkbook so they won’t be missed right away.
To report elder or dependent adult abuse, call the 24-hour hotline at (805) 654-3200.
To talk to Pollara, call (805) 654-2505.
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[Guidance Overview] CMS Update of Creditable Coverage Disclosure to CMS Form
[Guidance Overview] CMS Update of Creditable Coverage Disclosure to CMS Form
Excerpt: “EBIA Comment: Happily, there are few changes to the Disclosure to CMS Form, and none of them are rocket science. Most seem aimed at fixing practical problems raised by how individuals were filling out the previous version of the Form.” (Employee Benefits Institute of America)
Source: www.ebia.com
Police Need Help Finding a Woman Accused of Elder Abuse (CA. USA)
Police Need Help Finding a Woman Accused of Elder Abuse (CA. USA)
Bakersfield police need help finding a woman accused of elder abuse
6/24 /2009
Bakersfield Police need help finding a woman accused of victimizing an elderly person.
Police say the suspect stole property, and money from the victim’s northeast Bakersfield home.
The suspect is 24-year-old Lauren Ruth Vance, the incident she’s wanted for stems from a burglary in April where authorities say Vance was familiar with the elderly victim, and cased the home prior to burglarizing it. “The elderly are more vulnerable, they come from a time period where they want to trust people.” said Detective Mary DeGeare with the Bakersfield Police Department.
It’s that trust police say may have been violated Vance allegedly broke into a home in April, stealing money, and property from an elderly resident.
“She knew them, she was familiar with their habits, with their assets, and waited until they were not home, and planned and participated in the burglary.” said DeGeare.
Police say Vance is wanted for residential burglary, grand theft and financial elder abuse.
“Financial abuse to an elder is financial suicide.” said Sandy Morris, with the BPD’s crime prevention unit.
Morris say in these types of situations, where the suspect knows the victim, then takes advantage of them, it can be especially damaging.
“If you and I get taken advantage of, we buy something that’s bogus and we have to recoup the money, we can go to work tomorrow and make it back.” said Morris.
“But a senior has no way of doing that.”
That’s why Morris says it’s important to keep a watchful eye on your elderly residents.
If you have any information on this case, or know the whereabouts of Lauren Vance.
You are asked to call police at 327-7111.
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Son Responsible For Mom?s Nursing Home Bill
Fredrick P. Niemann, Esq., NJ Asset Protection Attorney Many times the children of elderly clients ask whether they can be held responsible for Mom or Dad’s long term care costs. My answer always was that there wasn’t anything to worry about unless you take your parents money. That no longer appears to be the case. A recent […]
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Elder Fraudster Found Guilty (CA. USA)
Man faces more than 300 years for $11 million Ponzi scheme
June 30, 2009
In a case billed as one of the largest elder-abuse cases ever handled by the Orange County District Attorney’s Office, Jeffrey Butler, 51, was deemed guilty of 693 counts – the majority of them involving financial elder abuse and the sale of unqualified securities, according to Deputy District Attorney William Overtoom.
The jury deadlocked on another 86 counts – leading Orange County Superior Court Judge James Stotler to declare a mistrial on those charges.
Butler was found not guilty on another 30 counts.
The reading of the verdicts began Monday morning and ended at about noon Tuesday.
Butler’s wife, Peggy Warmuth Butler, 49, was found guilty of four counts of filing false tax returns. She began crying when Stotler said he would allow her to remain free until sentencing for the couple, which is scheduled for Sept. 18.
Jeffrey Butler remains in custody at Orange County Men’s Jail until sentencing.
He was arrested in February 2006 and accused of defrauding senior citizen clients by pretending to help them prepare their wills and trusts.
The trial, which began in November, last almost eight months and included testimony from 92 victims, prosecutors said.
Abridged
SOURCE: OCRegister – Santa Ana,CA,USA
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Cost-Cutting; Report Reveals Elderly ‘time bomb’ (Scotland, UK)
Cost-cutting planned as council report reveals elderly ‘time bomb’
25 June 2009
By Andrew Keddie
A report signed off by Scottish Borders Council social work director Andrew Lowe reveals that, in just 11 years time, the number of residents aged over 65 will rise by 40 per cent, while over the same period those aged 85 and over will rocket by 57 per cent.
And, at 2007/08 prices, the extra cost to cash-strapped SBC and NHS Borders will be £8.2million a year – up 39 per cent on the two organisations’ current expenditure on old people.
And, at 2007/08 prices, the extra cost to cash-strapped SBC and NHS Borders will be £8.2million a year – up 39 per cent on the two organisations’ current expenditure on old people.
The most controversial of the pair is to increase the share of home care delivered by private providers from 30 per cent to 50 per cent or 5,000 hours a week.
At today’s SBC meeting, Mr Lowe seeks approval to put four other key elements of the review out to public consultation.
These include introducing a so-called telecare service to allow the frail elderly to remain in their own homes rather than ‘blocking’ beds in hospitals and care homes. When piloted last year, it was discovered the sophisticated system, which uses monitoring and measuring devices to remotely alert clinicians to changes in a patient’s condition, rendered 181 sleepovers by carers and 457 home checks unnecessary.
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Employers and Job References; the Dilemma
There’s Hope in Immunity Fredrick P. Niemann, Esq., Business Litigation Attorney Whether an employer-employee relationship ends on good terms or with acrimony, a common final act – the employee’s request for a reference for a new job – is increasingly leading to litigation. From the former employer’s standpoint, it can be a case of damned if you do and damned […]
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What Happens If You Die Without a Will?
Fredrick P. Niemann, Esq., a NJ Estate Planning Attorney We all know we are supposed to do estate planning, but not all of us get around to it. So what happens if you don’t have a will when you die? Your estate will be distributed according to state laws, which may or may not be the […]
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How Banks, Marketers Aid Elder Scams (
July 1, 2009
Two weeks ago, I wrote about how difficult it was for our family to stop con artists from scamming an elderly relative who was convinced that he was on the verge of winning big lottery and sweepstakes prizes.
Digging into our family’s experience yielded another surprise: Some common business practices may have actually helped the scams continue, such as the sale of direct marketing lists and banks’ moves to automatically cover overdrafts—an issue that President Barack Obama has flagged for attention under his proposed Consumer Financial Protection Agency.
When our relative began to fall behind on bills, he agreed to give power of attorney to a son, who started paying the mortgage and other big bills, as well as reducing the amount available in his dad’s checking account. What the son didn’t count on was that the bank would automatically cover up to several hundred dollars a month of his father’s overdrafts, which essentially gave him more money to send to scammers. In addition, he was charged $33 for every overdraft—running up hundreds of dollars in fees. When the son called Sovereign Bank, his father’s longtime bank, he was told that the protection was standard and that he couldn’t turn it off.
Steven Mantelli, Sovereign’s senior vice president for retail banking, says the bank provides overdraft protection “on a courtesy basis” for customers, and it isn’t typically shut off. But in isolated situations, he says, the bank will stop it.
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Elder Abuse, Fraud Reports Rising As Economy Sinks
By Mike Sever
Record-Courier staff writer
It’s the same old see-saw — as the local economy sinks, reports of elder fraud and abuse are on the rise, officials say.
The number of elder abuse cases opened last year was 60 percent higher than in 2007, according to Cathi Rufener, family assessment supervisor for the Portage County Department of Job and Family Services. And, in the first quarter of this year, the department opened upwards of 70 cases.
A total of 210 cases of elder abuse were opened last year compared to 127 in 2007, Rufener said. How high the case load goes this year “probably depends on how the economy goes, how hot it gets this summer and how cold it gets this winter,” she said.
The department is working closely with the Portage County Sheriff’s Office, which has two investigators working with Adult Protective Services.
The close collaboration is important, Sheriff David Doak said. Caseworkers and investigators will respond together in serious cases.
“They are able to pick up those cases and run with them from start to finish,” he said. “If there is an in-house perpetrator we need to get on it right away.”
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State’s Democrats Seek Protection for Seniors (MI. USA)
State’s Democrats seek protection for seniors
By BARRETT NEWKIRK
THE ENQUIRER
JUNE 30, 2009
Democrats in the Michigan House of Representatives are pushing a plan to strengthen the state’s elder abuse laws.
The package of bills, dubbed the Elder Abuse Protection Plan, would increase penalties for people convicted of cheating senior citizens and increase consumer protections. Rep. Kate Segal, D-Battle Creek, is sponsoring one of the plan’s bills.
The legislation comes after some high-profile abuse cases made headlines around the state, including two Flint brothers charged with abuse this month after allegedly selling their grandfather’s prescription painkillers. Reports of elder abuse in Michigan have increased 40 percent since 1998, according to the Michigan Department of Human Services.
“What is happening in this state, it is unthinkable and unspeakable,” Segal said during a press conference Monday.
Segal’s bill would require legal guardians to report the cash and cash-convertible assets of an incapacitated person to the court.
Other bills in the plan would require employees of nursing homes and financial institutions to report suspected cases of elder abuse, make it a felony to obtain a signature through fraud or deceit, and prohibit someone charged with felony abuse to win an inheritance from the victim’s estate.
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Medicare Secondary Payer User Guide Updated With Guidance for Responsible Reporting Entities and Group Health Plans
Medicare Secondary Payer User Guide Updated With Guidance for Responsible Reporting Entities and Group Health Plans
Excerpt: “EBIA Comment: [‘Responsible reporting entities’] will likely welcome any assistance to deal with the thorny problem of collecting [Medicare Health Insurance Claim Number]/SSNs. It remains to be seen, of course, whether the new strategy will result in a higher level of cooperation from subscribers and their dependents. Collecting information about dependents is particularly difficult since information about them is harder to obtain and often less accurate than for subscribers. ” (Employee Benefits Institute of America)
Source: www.ebia.com
What Happens If You Die Without a Will?
What Happens If You Die Without a Will?
Fredrick P. Niemann, Esq., a NJ Estate Planning Attorney We all know we are supposed to do estate planning, but not all of us get around to it. So what happens if you don’t have a will when you die? Your estate will be distributed according to state laws, which may or may not be the […]
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The Frail Senior and Obama-Care
Fredrick P. Niemann, Esq., an Elder Law Attorney Have you been wondering if the proposed Obama-Biden “plan to lower healthcare costs and ensure affordable, accessible, health coverage for all” would provide long-term skilled nursing home care for frail seniors? The short answer is…no! The key features of the plan focus on providing access to healthcare to “over […]
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No Parental Immunity for Father Who Failed to Rescue Son from Fatal Fire
Christopher J. Hanlon, Esq., a Personal Injury Attorney A father’s failure to remove his child from a car before it burst into flames falls outside the exercise of child-rearing philosophy which the parental-immunity doctrine is intended to protect, a state New Jersey appeals could held. The three-judge Appellate Division panel reinstated a dismissed wrongful death suit by […]
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Nursing Homes for Veterans
Fredrick P. Niemann, Esq., NJ Veterans Attorney Nursing home coverage for veterans is available from two sources within the Department of Veterans Affairs — the veteran’s health care system and the state veteran’s homes system. Nursing Home Coverage Through the VA Health Care System Nursing home coverage along with other long term care services such as home care […]
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Helpline for Adults at Risk of Abuse (UK)
2nd July 2009
A HOTLINE to help adults at risk of abuse has been launched.
AskSal, a partnership between Thurrock, Southend and Basildon Safeguarding Adults Boards and national organisations Action on Elder Abuse and Voice UK, is a hotline for people to call if they are suffering abuse themselves or suspect an adult they know is at risk.
The helpline, which is the first of its kind in the UK, is the adult equivalent of Childline.
Gary Fitzgerald, Chief Executive of Action on Elder Abuse, said: “Many people do not report the abuse they suffer due to fear, shame and embarrassment. We hope that this unique partnership will cut through some of these barriers and enable people to access the support they desperately need.”
People calling the helpline will speak to skilled operators who can refer them to another agency if required, without the caller having to re-dial or re-tell their story.
The AskSal hotline number is 0808 80 10 345.
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When Not to Use a Special Needs Trust
By Fredrick P. Niemann, Esq., NJ Special Needs Trust Attorney Self-Settled Special Needs Trusts are often use when a person with disabilities receives a personal injury settlement, an inheritance, equitable distribution, alimony or child support. However, in many instances a Self-Settled Special Needs Trust is not appropriate. A disability lawyer must make an analysis on the […]
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Alzheimer Families Feeling ‘Betrayed’ as Respite Centre Shuts (Ireland)
Alzheimer families feeling ‘betrayed’ as respite centre shuts
June 25 2009
OPPOSITION is growing over the latest hospital closure to hit the health service — the summer shutting of a newly refurbished respite care unit at Cherry Orchard.
At least 25 families caring for elderly relatives including Alzheimer’s sufferers will be affected by the imminent move by the HSE.
Fearing disruption to the respite services, they are mounting a protest campaign demanding that the closure of the Beech Unit be called off, and claiming they had been “betrayed” by the Government.
Families from Ballyfermot, Clondalkin and Palmerstown are all set to be affected and some patients claim they have been told to look for private care in homes in Harold’s Cross and Lucan.
But the HSE denied that the unit would close “indefinitely”, insisting it would be up and running as normal again in October. The Executive also said those who could not be relocated elsewhere in the hospital would be sent to nursing homes as close as possible to where they lived.
A protest was mounted outside the hospital gates on June 19. A public meeting will be held in Ballyfermot next Tuesday to discuss the planned cuts and to organise support.
Lesley Gaynor, one of the main organisers of the campaign, said he had been inundated with phone calls since the announcement was made.
godsend
Lesley and his family care for his father-in-law and mother-in-law in their house on Kylemore Road and he says the short breaks they get thanks to the respite care are “a godsend”.
A spokesperson for the HSE blamed the closure on a combination of summer being “peak holiday period” and large numbers of staff being absent on maternity leave
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Elder Fraudster Found Guilty (CA. USA)
Man faces more than 300 years for $11 million Ponzi scheme
June 30, 2009
In a case billed as one of the largest elder-abuse cases ever handled by the Orange County District Attorney’s Office, Jeffrey Butler, 51, was deemed guilty of 693 counts – the majority of them involving financial elder abuse and the sale of unqualified securities, according to Deputy District Attorney William Overtoom.
The jury deadlocked on another 86 counts – leading Orange County Superior Court Judge James Stotler to declare a mistrial on those charges.
Butler was found not guilty on another 30 counts.
The reading of the verdicts began Monday morning and ended at about noon Tuesday.
Butler’s wife, Peggy Warmuth Butler, 49, was found guilty of four counts of filing false tax returns. She began crying when Stotler said he would allow her to remain free until sentencing for the couple, which is scheduled for Sept. 18.
Jeffrey Butler remains in custody at Orange County Men’s Jail until sentencing.
He was arrested in February 2006 and accused of defrauding senior citizen clients by pretending to help them prepare their wills and trusts.
The trial, which began in November, last almost eight months and included testimony from 92 victims, prosecutors said.
Abridged
SOURCE: OCRegister – Santa Ana,CA,USA
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Plan for Long Term Care… Now… or Else
Fredrick Niemann, New Jersey Long Term Care Insurance Attorney “According to some sources, 60% of us will need long term care sometime during our lives. It is important for all of us to prepare for that day when we will need to help loved ones with elder care or we will need elder care for ourselves.” “It […]
Source: hnlawfirm.com
Illinois Makes July ‘Elder Abuse Awareness’ Month (IL. USA)
By Associated Press
July 3, 2009
July is Elder Abuse Awareness month in Illinois.
Department on Aging Director Charles Johnson is announcing the fifth annual “Break the Silence” campaign.
An estimated 80,000 older adults suffer abuse each year.
Elder abuse is defined as neglect; physical injury; mental, sexual or financial exploitation of someone 60 or older.
There were more than 11,000 reports of elder abuse in the last year.
Those who suspect abuse should look for untreated injuries, changes in behavior, a caregiver’s refusal to allow visitors, dehydration or malnutrition, or changes in financial accounts.
Trained professional are available around the clock to take reports at 1-866-800-1409.
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