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4 Planning Tips for Parents of Disabled Children

Buy enough life insurance . You can’t be replaced, but someone will have to fill in if you aren’t there. Your family will probably have to pay for some services that you used to provide. You can provide the money necessary, even if you don’t have much now, with life insurance. Set up a trust . Any assets left for a child with special needs, including life insurance proceeds, should be held in trust. Leaving money directly to someone with a special need jeopardizes public benefits. Some families disinherit children with special needs, relying on siblings to care for them. This approach is fraught with potential problems. The best approach is a trust fund set aside for the child with special needs. Write down the care plan . You must write down what a future caregiver will need to know about your special needs child. You may know everything but you need to write it down so it can be passed on. The memo or letter can be kept in the attorney's files or with the parent's estate plan...
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It's really Spring!

It's clearly Spring around here.  On the way to work this morning I saw several groups of Turkeys.  In each group there was at least one male presenting his tail for the females.  This looks like the classic picture you see of a Turkey around Thanksgiving with his big tail unfurled like a peacock.  But, you won't see that in November, it is courting behavior used in the Spring to find a mate.  Imagine if we humans had some sort of mating system like that.  The males puff themselves up, furl out their tails and strut around waiting for a female to find them attractive ... that would be something  ... oh, wait! Three Turkeys at my Bird Feeder - April 2011 (C) Edward Adamsky, 2011
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Elder-Friendly Amendments in Latest Health Bill

At a session that ended at 2:18 a.m. on Friday, October 2, the Senate Finance Committee completed its markup to health reform, the America's Healthy Future Act. The bill contains some recently added amendments that are of great interest to elders. The bill now includes an amendment offered by Sen. John Kerry (D-MA) that "would protect against spousal impoverishment in all Medicaid home and community based services programs by requiring states to apply the same spousal impoverishment rules currently provided to the spouses of nursing home residents in Medicaid. The provision would sunset after five years." The bill also incorporates the provisions of the Elder Justice Act (S. 795), which would establish "Offices of Elder Justice" in the Department of Health and Human Services and in the Justice Department and provide federal resources to support state and community efforts to fight elder abuse. Elder Law Attorneys contributed to the effort to see the Elder Jus...
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