Category: Elder Law

Stay informed on elder law with expert insights, legal updates, and practical advice.  This blog category covers estate planning, Medicaid, guardianship, wills, trusts, and senior rights to help you navigate legal matters with confidence. Explore the latest trends and guidance from seasoned professionals in elder law.

  • Nursing Home TV and the NFL Blunder

    Every nursing home TV will be turned to the NFL playoff games scheduled in the near future. Unfortunately, the NFL has failed our Seniors and Care Providers by moving their games onto a paid subscription app.

    Even if you are not watching the next playoff game from an assisted care facility, put yourself in your grandparents shoes for a brief moment.

    Smart TVs, with their advanced features and interactive capabilities, have become a staple in modern households. However, for the elderly, adapting to these technologically sophisticated devices can pose a significant challenge. The very features that make smart TVs appealing to younger generations can make them difficult for the elderly to navigate and utilize effectively.

    Of course, those making decisions on behalf of an elderly person are doing their best. But, failing to assist your loved one with their television is becoming an increasing problem.

    The Complexities of the Nursing Home Dynamic

    One of the primary issues is the complexity of the user interface. Smart TVs often come with intricate menus, numerous options, and a variety of apps, which may overwhelm elderly users who may not be familiar with modern technology.

    The small fonts and icons on the screen can also be challenging for those with visual impairments, even if the TV boasts high resolution. If you want to experience this issue firsthand, try picking up your nephew’s Nintendo Switch.

    Anyways, navigating through television interfaces, downloading an app carrying an NFL football game, paying for a subscription, and being ready for the kickoff is getting ridiculously complicated for our elderly. Even worse, using a remote control or a smart TV keyboard can be cumbersome for seniors, especially those who are not accustomed to using such devices.

    More Television Hurdles for our Elderly

    Another hurdle is the constant need for software updates and the potential for changes in the user interface. While updates are essential for improving functionality and security, they can create confusion for older users who may struggle to adapt to new layouts or features.

    Crud, what about nursing homes located in rural areas with bad internet service? The need for internet connectivity to access various smart TV functionalities may be a barrier for elderly individuals who are not comfortable with or do not have reliable internet access. Never mind those that have access and need help updating ports, extenders, and everything else that goes with it.

    Streaming Services for our Elderly

    The plethora of streaming services and apps available on smart TVs can be overwhelming. Nursing home TV sets are no different. Elderly families grew up with 2-5 channels at most. A young person in their teens or even their thirties sent to help grandpa or grandma might not recognize this. I am telling you right now, the stress of watching a football game is becoming unbearable for your loved one.

    While these services offer a vast array of entertainment options, understanding how to subscribe is hard. You need a credit card. You need functionality of your hands and remote. These two elements are not easy for the elderly.

    Now, include navigating the television and switching between HDMI 1 and HDMI 2, and you might as well forget it. Wait, did we fail to mention a username, email address, and password too?

    Voice Recognition for Nursing Home TV

    The integration of voice recognition technology on a nursing home TV doesn’t help either. A common feature in smart TVs, is meant to enhance user experience. However, for the elderly, using voice commands may not be intuitive or may require a learning curve. Accents, speech impediments, or simply unfamiliarity with the technology can lead to frustration when attempting to control the TV verbally.

    To address these challenges, manufacturers and designers need to prioritize user-friendly interfaces with larger fonts, simplified navigation menus, and intuitive controls. Offering comprehensive tutorials and ongoing technical support can empower older users to confidently use and enjoy their smart TVs.

    Further, making updates more seamless and providing options for offline use can enhance accessibility for those with limited internet connectivity.

    It is my opinion that smart TVs and their manufactures must aim to bridge the generational technology gap and ensure that the benefits of these devices are accessible to users of all ages.

  • Home Accidents For Older Adults

    Home accidents are a common concern for older adults. Aging can bring physical changes that may increase the risk of falls, burns, and other accidents in the home. Luckily, an intentionally drafted health care directive and or HIPAA authorization form can help when an accident occurs.

    According to the Centers for Disease Control and Prevention (CDC), falls are the leading cause of fatal and non-fatal injuries among older adults. Falls can result in serious injuries such as hip fractures, head trauma, and other health complications. Falls can be caused by slippery floors, cluttered spaces, poor lighting, and uneven surfaces, among other factors. To prevent falls, it is important to remove tripping hazards, install handrails and grab bars, and ensure that lighting is adequate throughout the home.

    Does grandma forget to turn off the gas stove? Burns are also a common risk for the elderly, especially in the kitchen or while using hot water. To prevent home accidents like burns, it is important to keep hot surfaces and appliances out of reach, and to set water heaters to a safe temperature.

    Additionally, home-related accidents can occur from a lack of home maintenance, such as broken stairs or handrails, faulty electrical wiring, or plumbing leaks. Regular home inspections and repairs can help prevent accidents and promote a safer home environment for the elderly.

    Top 9 Home Accidents for the Elderly

    Here are nine of the most common injuries for the elderly:

    • Falls: Falls are the most common cause of injury among the elderly. Falls can lead to broken bones, head injuries, and other serious injuries.
    • Fractures: Fractures are common among the elderly due to the loss of bone density that occurs with aging.
    • Burns: Burns can occur from cooking, bathing, or other daily activities and can be especially dangerous for the elderly who may have slower reflexes or decreased sensation.
    • Cuts and Bruises: Cuts and bruises can occur from falls, accidents, or minor injuries. The elderly may have thinner skin, making them more susceptible to cuts and bruises.
    • Brain Injuries: Traumatic brain injury can occur from falls or other accidents and can be especially dangerous for the elderly.
    • Hip Fractures: Hip fractures are a common injury among the elderly, especially women.
    • Sprains and Strains: Sprains and strains can occur from overuse or injury and can be especially painful for the elderly.
    • Joint Dislocation: Joint dislocation can occur from falls or other accidents and can be especially painful for the elderly.
    • Bedsores: Bedsores can occur from prolonged pressure on the skin and can be a serious concern for the elderly who are bedridden or have limited mobility.

    It’s important to note that the risk of injury can be reduced by taking steps to prevent falls, maintaining a healthy lifestyle, and seeking prompt medical attention for any injuries or health concerns.

    Overall, taking steps to reduce home-related accidents is crucial for the elderly. By being aware of the risks and taking preventative measures, caregivers and family members can help ensure the safety and well-being of their loved ones.

  • Parents Move Back And Stress Is High

    Parents move back.  When Mom and Dad return from their retirement locations, the issue is generally a health matter.  For others, it is the loss of a spouse.  At first, the traveling to and from was time consuming, but easy.  Now, the distance that wasn’t a big deal a few years ago, as turned into worry, stress, and a problem. 

    In elder law terms, reverse migration is the process of a family member needing to return from their once ideal location.  When parents move back, whether moving from Florida, Texas, Arizona, finding opportunities to make this easy helps everybody involved. 

    Before parents move back, prepare.  Instead of waiting for a health crisis and moving a sick or ill person a long distance, talk with your parents about their health needs.  Even better, double and triple check that a health care agent was designated, and they have HIPAA authorizations in place. 

    For those who do not have time to prepare, is there an opportunity for a trusted adult to make financial and legal decisions?  Unfortunately, a durable power of attorney drafted in one state, may not be valid or accepted in another state.  Are key documents outdated?  Certainly, addressing these issues are as relevant as determining how to care for mom and dad. 

    As parents move back, ask them whether they planned for long-term care costs or considered a Medicaid Trust their assets? Do they have long-term care insurance, and if so, do they have copies of their policy? 

    There will be many moving parts if it is time to move parents from a distance. As I am sure you are aware, the process of helping a parent to decide on a move and parting with their friends, stuff, and environment can be overwhelming.  Whether you have time or time is of the essence, parents moving can be stressful, but less challenging with key planning documents are put into action. 

  • Making Appointments For Family Members

    Making a medical appointment for a loved one can be a time-consuming and frustrating process. From navigating insurance policies to finding a provider who accepts their coverage, the process can take weeks or even months. This is especially true when we do not have a Health Care Directive, HIPAA Authorization, or Power of Attorney.

    That aside, the first step when making an appointment is navigating time, location, and transportation. These simple elements are exaggerated as soon as pertinent health care information must be shared between clinics or facilities.

    Wait, did you say you were making an appointment for a family member who was a veteran? Let’s have that conversation later.

    During your discussion with the scheduler, a logical question might be determining whether the provider accepts your family member’s insurance. This can involve hours of research, phone calls, and online searches. Many insurance companies have provider directories, but these can be outdated or inaccurate, leading to more frustration when connecting with the insurance company by phone. After all, they likely need a completed Power of Attorney form.

    After finding a provider, it is finally time to schedule the appointment. Depending on the provider’s availability, the wait time can range from a few days to several weeks or even months. For a specialist visit, the wait time can be even longer, as many specialists have long waiting lists.

    One thing is for sure – making appointments for family members is painful. Do you anticipate calling every other day to inquire whether there was a cancellation? What if a cancelation happens in 2 hours. Can you respond fast enough?

    After the Appointment is Scheduled

    Even after the appointment is scheduled, there may be additional steps to take. Some providers require pre-authorization from the insurance company before the appointment can take place. This can add days or even weeks to the process, as the insurance company may request additional information or documentation. Again, making appointments for family members is a difficult process.

    when Need help sharing If you decide to include your adult child, waiting is to determine what type of medical appointment is needed. Is it a routine check-up, a specialist visit, or an urgent care visit? Depending on the type of appointment, the wait time may vary. For example, a routine check-up may have a longer wait time than an urgent care visit.

    Overall, the time it takes to make a medical appointment for a loved one can be a frustrating and time-consuming process. While it’s important to prioritize the health and well-being of our loved ones, navigating the healthcare system can be overwhelming.

    Unfortunately, none of us know when or if an emergency is right around the corner or years in the future. As a result, always have a health care directive, HIPAA authorization, and Power of Attorney ready to go.

  • Downsizing For Future Trustees

    Downsizing

    Downsizing can help your future trustee. However, doing so can be a challenging process. This is especially true when deciding what to keep and what to throw away.

    Here are some tips to help you and your future trustee determine what to throw away when downsizing:

    1. Duplicate items: Get rid of items that you have more than one of, especially if they serve the same purpose. For example, if you have two sets of dishes, consider keeping only one.
    2. Outdated or Unused Items: If you haven’t used an item in a year or more, or if it’s no longer relevant or useful to you, it’s time to let it go. This can include clothes, electronics, and other items that have been collecting dust.
    3. Broken or Damaged Items: Items that are broken or damaged beyond repair are taking up space and serve no purpose. It’s better to let them go rather than holding onto them. Might I suggest making a donation?
    4. Sentimental Items: While it can be tough to part with sentimental items, it’s important to assess their true value. Unfortunately, the sentimental weight you assigned to an item might not be the same value assigned by a future trustee. If you have multiple items with sentimental value, consider choosing one or two to keep and take pictures of the rest. Speaking of pictures, let’s talk about digital downsizing in a future post.
    5. Excess Furniture: Furniture can take up a lot of space, so consider whether you really need all the pieces you have. If you’re moving to a smaller space, you may need to downsize your furniture as well.

    Remember, downsizing doesn’t mean you have to get rid of everything. It’s about making intentional choices and keeping only the items that are truly important or useful to you.

  • Opening Day For Planning

    Opening Day

    Opening Day in baseball is a time of excitement and anticipation. It marks the beginning of a new season, a rebirth for opportunity, putting the past behind us, and getting a chance to see our favorite teams take the field. However, it is also a reminder that life is unpredictable. With this unpredictability, I cannot help but compare Opening Day to the estate planning process.

    Opening Day
    Opening Day

    Baseball just doesn’t happen. Teams prepared for their Opening Day long before today. Likewise, estate planning just doesn’t happen either.

    For those confused by the infield fly rule, estate planning is the process of preparing for the transfer of assets and accounting for our health. For some, this means setting up a will, trust, and making sure beneficiary forms are updated accordingly.

    Before today, teams are adjusting their depth charts. They chart their season and look for strength and weaknesses. From an estate planning perspective, I like the idea of making a list of our most trusted advisors, friends, and family. Also, I encourage families to chart their assets, both their present value and future value.

    Making a plan is similar to baseball executives choosing their starting lineups. Other times, Clients want more control and prefer the role of player / manager. Either way, how we choose the decision maker and in which situation they are called upon is a process worth developing.

    Just like a sharp grounder to the hot corner, life can be unpredictable. None of us really know what the future will hold. For this reason, preparation is key. Estate planning is not for the wealthy or elderly – it is for anyone who wants assure their family. One important aspect of estate planning is naming a guardian for our minor children. For those with adult children, naming a guardian for the elderly is equally important.

    Some Major League teams have the the luxury of making a trade or calling upon a minor league player. When there is a disagreement, a baseball commissioner might make an unpopular ruling. Likewise, some families have plans in place and use decanting to their advantage. Others are forced to utilize the court system. And as you might expect, seeking a court can be painful and requires both time and money.

    Hitting the baseball into the gap for extra bases is about taking control. Drawing a walk means relying on the opinion of others. After all, we never know how the umpire will respond. From an estate perspective, a power of attorney is better than an umpire because it allows someone to make decisions on our own behalf without waiting on others. This can be especially important for medical decisions or financial decisions.

    Finally, while Opening Day in baseball is a time of excitement and anticipation, it is also a reminder of the importance of estate planning. When we have a plan in place, we are ensuring that our wishes are carried out and that our loved ones are taken care of before life screams “play ball”.

  • Spring Cleaning Your Estate Plan

    Spring Cleaning

    Spring cleaning applies to our estates too. As we approach Spring, now more than ever is a great time to revisit, review, and perhaps revise your estate plan.

    Just like spring cleaning a home or cabin, refreshing and organizing our planning documents helps others help us.

    Even more so, it offers assurance to our children and grandchildren. So, let’s take a look at a checklist.

    Spring Cleaning Checklist

    A spring clean-up checklist from an estate planning perspective looks something like this:

    • Revisit and Review. As we age, our plans and needs change. Take 15 minutes and reflect on your current plan, wishes, and circumstances.
    • Beneficiary Designations. Review every beneficiary designation. This includes any forms associated with bank accounts, retirement accounts, life insurance policies, annuities, motor vehicles, and other assets to ensure they are up-to-date and aligned with estate planning goals. Even more so, if you do not have a hard copy of each form, you have a problem that needs immediate attention.
    • Tax Changes. Evaluate any (Federal and State) changes in tax laws that may negatively impact an estate plan. Then, consider necessary adjustments to account for such matters.
    • Ancillary Documents. Review and update powers of attorney documents (both financial and HIPAA). Also, look at your healthcare directives to ensure wishes are being accurately represented. Have you made any changes based on our experiences from COVID-19? Certainly being locked behind glass doors isn’t appealing for you or your loved ones.
    • Family Dynamics. Consider any changes to your family, that may impact an estate plan, such as the birth of a child, marriage, divorce, substance abuse issues, and or mental impairments.
    • Trust Funding. Incorrectly funded trusts is a chronic problem or flaw with many estate plans. Spring is the perfect time to readdress whether an asset was included or purposely excluded from a trust. If you do not know, this issue must be addressed.
    • Lost and Found. Organize estate planning documents and ensure loved ones know where to find them in case of an emergency. For those with a safe deposit box, there is added risk.

    All this said, spring cleanup requires action. Thus, start right now.

  • A Shorter Life Expectancy for the Young?

    Life expectancy from an estate planning perspective is only important when there time has expired. That said, assuming younger generations will outlive older generations isn’t necessarily true.

    Take for example the life expectancy of a 40 year old person. Using 2000M actuary tables, that person is expected to live another 38 years. In other words, a person 40 years old is expected to live to 78. This might seem reasonable, until you compare this to a 75 year old person.

    Again, using the 2000M mortality tables from Section 7520 of the Internal Revenue Code, a person that is 75 years old in 2021 is expected to live until their 86th season. Meaning, a 75 year old person might expect to have 8 more years of life than younger generations.

    Of course, what this means to each person and family is going to be different. However, this is something to keep an eye on in the planning process.

  • Can A Veteran’s Spouse Live At My VA Nursing Home Too?

    A Veteran’s spouse is one of the most important people to have by their side.  This is especially true when a veteran enters a nursing home.  

    When the price is right, a veteran seeking a new residence at a nursing home exclusive to veterans usually want their spouse to live with them too.

    Other times, the non-veteran spouse needs assistance before the veteran.  Either way, there are eligibility rules for a Veteran’s Home under Chapter 198 and Minnesota Rules under Chapter 9050.

    Veteran’s Spouse Eligibility

    Generally speaking, here are the eligibility rules for a veteran’s spouse.  A veteran’s spouse is eligible for care through a veteran’s home when all of the following are true:

    • The military veteran must have been a resident of Minnesota BEFORE an application into a veteran’s home is sought,
    • The spouse is 55 years of age or older and a resident of Minnesota,
    • The veteran’s spouse is without adequate means of support, and
    • The spouse is unable to properly maintain for themselves.

    In my experience, a spouse and their family can do a lot of pre-planning to support this process.  Thus, if you or your family need specific feedback or assistance, please contact me directly

  • Grandma’s Revocable Trust Before She Went Into a Nursing Home

    When I think about Grandma’s revocable trust, I think about her independence.  Wow, she is unbelievably strong and mentally sharp.  Like you, I love my grandmother.

    That said, there will be a day, when a grandmother will need help from her trustees.  On that day, her trustees will be asked to determine whether Grandma should fund a different kind of trust, to avoid the agony of handing her assets over to the State.

    Here are two possible alternatives:

    • Supplemental Needs Trust
    • Special Needs Trust

    If you have the time, lets take a quick look at these types of documents.

    Supplemental Needs Trust for Grandma

    As an alternative to Grandma’s revocable trust, consider a supplemental needs trust.  A supplement needs trust helps grandma pay for needs not provided by a government-funded program.  These types of trusts are for people of any age, provided they are not 65 years old or older, have a disability and are living in a long-term care facility.

    In other words, if Grandma wants to utilize a supplemental needs trust, she needs to make it happen before she enters a nursing home. Between you and me, I wish this wasn’t the case.  But, Minnesota law 256B.056 tells us differently.  Otherwise, families risk a State audit or declaration document and exposing assets to creditors (like the nursing home).

    Even more cool, is the fact these types of trusts allow for beneficiaries, like children and grandchildren.  Provided the beneficiary themselves doesn’t establish the trust (or act as the trustee), this type of estate planning tool can provide a lot of relief.

    Special Needs Trusts for Grandma

    Another alternative to Grandma’s revocable trust is a special needs trust.  Unfortunately, these types of trust documents are far more strict and less exciting.  Why?  Because Grandma’s assets usually end up with the State or health care provider.

    None the less, a Special Needs Trust is for Grandma when she has a disability and is older than 65 years of age.  The reason Grandma might like this type of setup is because it protects her assets through her lifetime.  For those wondering, the rules applicable to a special needs trust is a fancy law called the Omnibus Budget Reconciliation Act of 1993, or OBRA.

    Grandma’s Revocable Trust is Easy to Covert

    If you stepped away to help your grandma with the cable tv, know that her trustee should be able to covert or transfer assets from a revocable trust to a trust document described above.  Really, it boils down to whether or not Grandma has a disability and her age.

    Personally, I like the idea of adding an amendment or clause to a revocable trust granting the trustee this type of control.  Other times, people create a supplemental needs trust, fund it accordingly and lean on their trustee(s).

  • Using a Power of Attorney While In Hospice Care

    Hospice care can be a difficult position for planning needs. Using a power of attorney to change a will or estate plan in hospice care is hardly ideal. Now add an element of incapacity or duress, and you have a recipe for disaster.

    On the other hand, perhaps there are significant reasons, even monetary reasons, that a change needs to occur. My source of truth comes from situations when people have tried and died. Luckily, a well drafted durable power of attorney form can reduce the potential for misery and help our love ones move forward under any moment of stress or condition.

    Evidence For Capacity

    Evidence for the mental capacity isn’t the first thing a person or family thinks about when visiting their loved one. Capacity isn’t necessarily something that is documented. Some families use medical note and doctor’s opinions. Others utilize eye-witness accounts. Even better, the documents formalized include critical language and sworn by a notary.

    Mental Capacity In Hospice Care

    In Minnesota, the intent of the person is always a controlling factor. Creating new documents in a hospice care facility is hardly ideal. As an example, let’s assume a court scrubs or scrutinizes a relevant document.

    Why?  There was a major Minnesota case called In re Estate of Healy.  Ultimately, this case tells us the testator (the person who died) was required to know the nature and extent of the document they were signing.  If even for a brief second, the person dying and changing their will must have a thought in their mind long enough, that a rational decision was made.

    When a power of attorney document or will is reviewed by a court, whether a district court or probate court, the referee is looking at the mental capabilities of the person who had created the document.

  • The Average Veterans Home Cost in Minnesota

    Veterans home cost is a 5 step math problem.  If you are afraid of math, do not despair.  The goal is to keep this element of the estate plan simple.

    In Minnesota, the cost for a veteran to live within a nursing home facility is broken into a daily fee.

    The intent of this article is to help Minnesota veterans and their families understand where the daily fee is derived.  In future articles, I will outline eligibility issues and cost waivers.

    Thus, going forward, here is what and how local Veterans nursing homes calculates their daily fee.

    Veterans Home Cost:  Minnesota VA Nursing Homes

    In case your estate planning process started with this article, here is the first major point:  every facility or home has a different cost.

    I know…this sounds more like a non-profit nursing facility, but it is true.

    If your family lives near one facility, then knocking on one door is easy.  If the veteran in your life lives in the Twin Cities, then perhaps there are a few more options.

    None the less, the process of price shopping requires making contact with every veteran’s home.

    Veterans Home Costs: MN Nursing Home Math

    Math can be scary for a lot of people.  Ultimately, I want to highlight four additional points:

    • Minnesota rule 9050.0500 tells us how each VA facility calculates their daily fee,
    • The calculation is based on a 12 month period (starting July 1),
    • The cost per Veteran is calculated into a daily fee, and
    • Each Veteran is billed the same daily fee.

    Many of the military families I serve are surprised to find out each veteran is billed the same daily fee.  Again, I am talking about a daily fee and will address fee waivers based on need and income in future posts.

    Veterans Home Costs:  5 Simple Calculations

    There are 5 basic calculations used to determine MN veterans home costs.  Luckily, military families can start by finding out the following:

    When talking with a veterans nursing home, ask:

    What was the total direct cost for your facility?

    What was the average number of residents last year on any given day?

    Can you tell me what the total indirect cost was at your facility?