Showing posts with label seniors. Show all posts
Showing posts with label seniors. Show all posts

Thursday, June 6, 2013

Are You or a Senior You Know Eligible For Benefits?

This article was published in our monthly Elderlaw News E-Newsletter, but thought it was so important it was worth pointing out again! this information could be useful to our clients and their families.  

"How to Track Down Financial Assistance Programs for Seniors," was posted on NBC's Savvy Senior page  

http://www.savvysenior.org/article_20120430.htm?type=quicklink.

The article suggests ways you can take advantage of over $20 billion in aid that millions of seniors are missing out on "simply because they aren't aware or savvy in navigating these helpful assistance programs." The first step this article suggests in identifying possible benefit programs available to you is to complete a free and confidential easy, 15-minute, on-line benefits check questionnaire at benefitscheckup.org. This on-line questionnaire will ask about your basic information, expenses, income, and assets. After completion, the service will provide you with a detailed report advising you of programs you may be eligible for from over 2,000 federal, state, and private benefit programs nation-wide and details on how to apply for each individual program. These programs could financially assist you in prescription drug costs, health care, utilities, and other basic needs. Visit the article for more information.

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The Law Offices of Jeremy W. Howe, LTD. are ElderLaw attorneys in Rhode Island who specialize in wills and trusts, estate planning, guardianship, probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for family law issues such as divorce, child custody and visitation, support, and military family law. 

Call them today at 401-841-5700 or visit them on the web at http://www.CounselFirst.com.

Friday, March 8, 2013

Law Office of Jeremy Howe Elder Law Attorney Kristy Garside to Speak at Growing Older Seminar


Elder Law Attorney Kristy Garside will speak at a free seminar entitled

"Growing Older: How Can I Pay for Healthcare and the Services I Need?"


March 14, 2013 in Newport, Rhode Island.

The free seminar is being held from 5:30PM to 7:30PM at the Blenheim Newport, 303 Valley Road, Middletown, RI. Some of the topics and questions that will be addressed include Medicare Coverage, Medicare vs. Medicaid, Homecare, Assisted Living and Veterans Benefits.

Attorney Garside commented on her involvement by stating, "Medicare does not cover expenses associated with the care that an Alzheimer’s patient will need.  It is important to know what other financial programs and services are available."

This seminar is designed for boomers, children of aging parents, and seniors; will answer your questions and educate you on programs, products, opportunities, and strategies; and all while enjoying refreshments at the beautiful Blenheim Newport in Middletown. RSVP to Lynn Squatrito @ 401-239-2509 A light dinner is served at 5:30 pm, Program starts at 6.

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The Law Offices of Jeremy W. Howe, LTD. are ElderLaw attorneys in Rhode Island who specialize in wills and trusts, estate planning, guardianship, probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for family law issues such as divorce, child custody and visitation, support, and military family law.

Call them today at 401-841-5700 or visit them on the web at http://www.CounselFirst.com.

Friday, January 20, 2012

Eligibility Verification Reports (EVRs) are DUE Soon!

Eligibility Verification Reports

We thought our clients and friends may find this information useful. It was provided to us by the Veterans Advocate Group of America (VAGA), and written by Victoria L. Collier, of Collier & St. Clair, LLP. She is a co-founder of VAGA, co-author of VisPro, author of 47 Secret Veterans Benefits for Seniors...Benefits You Have Earned but Don't Know About, and a national speaker and educator of VA Improved Pension benefits. Learn more about Victoria at www.elderlawgeorgia.com

Article:


It is that time of year to reach out to your veteran clients and either remind them or guide them in completing their annual EVR.


What is an EVR? The Eligibility Verification Report is an annual report due no later than March 1st of each year for beneficiaries who are receiving the Improved Pension. Because eligibility for this program is based on disability status and financial criteria, the VA must ensure that the beneficiary remains eligible from year to year. The EVR provides a report of actual income and dependency status in order to verify that the payment the beneficiary is receiving is correct.

What are the required forms to complete and return to the VA? The VA will send the required forms to the beneficiary in late December or early January. One of the following forms should be completed, based on the type of beneficiary:

21-0510 EVR Instructions
21-0516-1 Improved Pension EVR (veteran without children)
21-0517-1 Improved Pension EVR (veteran with children)
21-0518-1 Improved Pension EVR (surviving spouse without children)
21-0519s-1 Improved Pension EVR (surviving spouse with children)

In addition to the aforementioned forms, the beneficiary must also complete a Medical Expense Report on VA Form 21P-8416 (NOTE: THIS FORM WAS UPDATED DECEMBER 2011). This form must be completed twice. The first one is to report actual medical expenses paid out of pocket by the beneficiary during the EVR reporting period. The second one is for the beneficiary to report the next 12 month's projected medical expenses. This form must also be signed by the beneficiary or the fiduciary if one has been appointed.

Where are EVRs Processed? There are three Pension Management Centers (PMC), Philadelphia, Milwaukee, and St. Paul. Whichever PMC adjudicated the initial application for pension benefits will be the same PMC to process the EVR.

Is Anyone Exempt from Filing an EVR? Annual EVRs are not required for Improved Pension recipients who have no countable income, or whose only countable income is from VA or Social Security. However, filing an EVR may be helpful even in this situation if the beneficiary is not receiving the maximum VA pension due to the amount of medical expenses projected at the beginning of the year. If the medical expenses increased throughout the year, or if the beneficiary paid out of pocket for medical expenses that are not considered "recurring" (i.e. doctor co-pays, prescriptions, travel expenses, hearing aids, expenses related to burial of spouse or dependent child, etc.), then these expenses can be reported on the EVR and the VA will recalculate what the monthly pension should have been. If the pension amount for prior months should have been higher based on the medical expenses reported in the EVR, the VA will pay a lump sum payment to the beneficiary for the appropriate amount.

Termination of Benefits. If a person does not return the EVR, benefits will be terminated as of the beginning of the EVR reporting period. Because of that, the beneficiary will receive notice that the VA overpaid them and, thus, they will owe the money they received back to the VA. Clients are usually not able to return the money because it has been spent on their high cost of medical care. It is essential that the EVR is returned by March 1st, that it is completed accurately, and that it is signed by either the beneficiary of the benefits or by the fiduciary if one has been appointed (neither a 21-22a representative, a power of attorney agent, nor a guardian can sign the EVR).

For more information, refer to M21-1MR, Part V, Subpart iii, Chapter 7 and 38 CFR 3.277.

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The Law Offices of Jeremy W. Howe, LTD. are Elder Law Attorneys in Newport, Rhode Island who specialize in Wills and Trusts, Estate Planning, Guardianship, Probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for Family Law issues such as divorce, child custody and visitation, support, and Military Family Law.

Call them today at 401-841-5700 or visit them on the web at http://www.counselfirst.com

Thursday, December 8, 2011

Safe Voyage! Travel For Older Adults

Travel for Older Adults

This is an article from our friends at Senior Helpers that our readers may find helpful. Contact Information: Chad Neighbors (401)825-7200 cneighbors@seniorhelpers.com in Warwick, Rhode Island.

Safe Voyage! Travel for Older Adults

Staying physically active and connecting with other people are two important keys to successful aging, and travel is a great way to do both at once! Discounted travel packages designed for seniors are one of the "perks" of being an older traveler. And with the generations spread across the country, visits keep families connected. But some seniors hesitate to travel because they are afraid of illness or injury, or of getting lost, or encountering hazards along the way.

Even if an older adult's physical condition makes travel more of a challenge, many obstacles and potential problems can easily be overcome with a little advance planning. It is important to:

-review the traveler's health insurance policy before the trip. What are the conditions for receiving medical care out of the service area? Do benefits apply when traveling abroad?

-make sure immunizations are up to date, including the specific immunizations recommended or required for the area being visited.

-bring along enough medication for the trip, packed in carry-on luggage. Especially if traveling abroad, leave medications in their original prescription containers.

Special Assistance for Disabled Travelers


Some seniors are reluctant to travel because they feel insecure negotiating the crowded service desks and corridors of busy airports and other transportation terminals. A person with hearing difficulty often has the hardest time when there is significant background noise. A person with dizziness, limited vision, or mobility problems may fear falling or being jostled by crowds. But people who are basically able to travel and just need a little extra assistance can take advantage of these services available to travelers:

Boarding assistance-
Most airlines and rail lines have wheelchairs available for those unable to walk long distances, and some also offer formal "meet and assist" programs. It is best to confirm these services when booking tickets. At the gate, pre-boarding is usually available for persons who need extra time or feel unsafe in the crowding of general boarding.

Oxygen-
Persons with medical conditions requiring the use of an oxygen tank can travel safely on most kinds of public transport. Airlines have strict requirements about oxygen use. These usually include a letter from a physician explaining the person's oxygen requirement and a statement certifying that the oxygen provided by the airline is acceptable.

Disabled accessibility-
Most aircraft are wheelchair-accessible, though some small commuter planes are not. Trains and ships generally have a limited number of disabled-accessible cabins or compartments. Many resorts offer specially designed rooms and suites for use by persons in wheelchairs. Reservations for special facilities should be confirmed in writing before the trip begins.

Five Health Tips for Airline Passengers


Gone are the days when traveling by plane was a pampering treat! Nowadays, long security lines, delays and cramped seats are the norm. You can minimize discomfort by following a few steps:

-Get plenty of sleep before you leave.
-Drink water and avoid alcohol and caffeinated beverages to avoid becoming dehydrated.
-Change sitting position frequently and walk down the aisle occasionally to avoid stiff joints or (in rare cases) dangerous blood clots.
-If you have a cold, take a decongestant and chew gum on takeoff and landing to avoid ear pain.
-Check with your doctor ahead of time if you have any questions about flying with your medical conditions.


(c)2008 IlluminAge Communication Partners

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The Law Offices of Jeremy W. Howe, LTD. are Elder Law Attorneys in Newport, Rhode Island who specialize in Wills and Trusts, Estate Planning, Guardianship, Probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for Family Law issues such as divorce, child custody and visitation, support, and Military Family Law.

Call them today at 401-841-5700 or visit them on the web at http://www.counselfirst.com

Friday, November 4, 2011

RI Division of Taxation Announces Estate Tax Changes

Rhode Island Estate Tax Threshold Increased

The Rhode Island Division of Taxation has announced that the estate tax threshold for the estates of decedents dying in 2012 will be increased to $892,865.  This is a 3.9% increase over the current threshold of $859,350.

Rhode Island state law requires that the threshold amount be adjusted each January, based on annual inflation, compounded annually, and rounded to the nearest $5 increment.

Generally speaking, for a person dying in 2012, his or her net taxable estate, if valued at $892,865 or less, will not be subject to Rhode Island’s estate tax.  Rhode Island’s General Laws Chapter 44-22 provides full details on the computation of the estate tax, including such factors as the marital and charitable deductions.
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The Law Offices of Jeremy W. Howe, LTD. are Elder Law Attorneys in Newport, Rhode Island who specialize in Wills and Trusts, Estate Planning, Guardianship, Probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for Family Law issues such as divorce, child custody and visitation, support, and Military Family Law.

Call them today at 401-841-5700 or visit them on the web at http://www.counselfirst.com

Wednesday, August 17, 2011

Tips on How to "Age In Place"

How to "Age in Place"

Attached please find an article that was received by our office as part of an e-newsletter called "Pathways to Independent Living," which is sent to us from a Rhode Island business out of Warwick called Senior Helpers. Senior Helpers provide "companion care" to seniors in their own homes. To reach Senior Helpers, contact Chad Neighbors at (401) 825-7200, or by email at cneighbors@seniorhelpers.com.


Prepare to 'Age in Place'

Take Action Today, for Independent Living Tomorrow


When asked what they fear most, senior citizens ranked losing their independence (26%) and moving into a nursing home (13%) higher than fear of death (only 3%), according to a commissioned study, "Aging in Place in America," conducted by independent research company Prince Market Research. An overwhelming majority of seniors want to grow older in their own homes, yet over half are concerned about their ability to do so.

It may or may not become evident over time that you (or your loved ones) need assistance to continue living in your own home. Often, a major event will cause you to recognize such a need. It might be death of a spouse, a stroke, a broken limb from a fall, or concern from a relative or neighbor following a visit during which they recognize things are just not right.

It is important to take steps today to help ensure that you can "age in place" tomorrow. Some of the easiest things that can be done include simply organizing documents and creating reference sheets.

Organize Documents. The following documents should be assembled in one place so they are available when needed:

· Medicare, Social Security, and health insurance cards
· Copy of birth certificate
· Names, phone numbers, and addresses of doctor(s)
· List of health conditions
· List of current medications with contact information for pharmacy and prescribing physician
· Allergies to food or medications
· Will, living will, and powers of attorney
· Copies of insurance policies, including life insurance and long-term care insurance
· Financial information, including contact information for tax preparer or accountant

Create a Laminated Reference Sheet. Create a complete list of emergency telephone numbers and information. Laminate the list and put it in an obvious place so it will be available for Emergency Medical Technicians (EMTs) or others who may need it. The sheet should contain the following:

· Name, address, telephone number, birth date, social security number, and medical insurance information.
· Primary and specialist physicians' names and contact information.
· A list of medications and dosages.
· Name and phone number of your pharmacy.
· Names and contact information for caregivers, relatives, and close neighbors.
· Whether you have a living will and/or a durable power of attorney that allows another person(s) to make financial and/or medical decisions if you are unable to do so (include contact information).

Develop a Plan for Help. Recognize when you need help and list needs in the following areas:

· Housekeeping-laundry, shopping, and household paperwork.
· Nutrition-meal planning, cooking, and meal delivery
· Health care-nursing, social work, physical and rehabilitative therapy, and medication monitoring
· Personal care-assistance with personal hygiene, medical equipment, dressing, bathing, and exercise
· Other-transportation, companionship, and daily telephone checks

Once you have compiled the list, decide if a friend or family member can assist you or if you need outside help.

Make Your Home Safe(r). According to The American Academy of Orthopaedic Surgeons (AAOS), one in every three seniors fall each year. Falls cause many seniors to lose their independence, requiring a change in living arrangements such as moving to a nursing home or assisted living facility.

Although falls can happen to anybody, anytime, and anyplace, you can prevent many falls by recognizing and correcting common hazards in the home. Senior Helpers has developed a "Home Safety Checklist" that provides tips for fall-proofing each room in the house.

· Use good lighting. Put light switches at the top and bottom of every staircase.
· Use grip bars and install handrails in bathtub and toilet areas.
· Use a bed that is easy to get in to and out of without injury.
· Secure throw rugs and fasten loose area rugs with double-sided tape or slip-resistant backing.
· Clean up spills, dropped food, etc. from floors immediately.

Exercise. Regular, moderate physical activity is very important. Physical activity can reduce pain in joints and muscles and improve mobility and balance. The benefits of exercise help reduce the risk of falling. Talk with your doctor about starting an exercise program that fits your level of ability and meets your needs.

Sources: www.orthoinfo.aaos.org/, www.metlife.com

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The Law Offices of Jeremy W. Howe, LTD. are ElderLaw attorneys in Rhode Island who specialize in Wills and Trusts, Estate Planning, Guardianship, Probate, and Veterans Aid and Attendance Benefits.

They also are Newport Rhode Island Divorce Lawyers, Attorneys, Mediators, and Arbitrators providing services for Family Law issues such as Divorce, Child Custody and Visitation, Support, and Military Family Law. 

Call them today at 401-841-5700 or visit them on the web at http://www.CounselFirst.com.