Medicare Open Enrollment Starts October 15th. Act Now!
If you have Medicare and want to change your plan and secondary coverage you have the opportunity now to do it. If you miss …
New Jersey Adopts Medical Debt Act Which Restricts Collection Efforts By Healthcare and Other Medical Providers
In approximately 180 days, New Jersey will adopt the Medical Debt Act. Medical debt includes expenses charged for the provision of numerous medically related …
You Really Really Need to Consider Long Term Care Insurance
I see it every day at the office. A diagnosis of a degenerative condition is received by a family member. Panic sets in. How …
Is There Legal Liability When an Incapacitated Person Signs a Contract?
• A contract signed by an incapacitated person is generally voidable by the incapacitated party, meaning they can terminate it at any reasonable time …
The New Jersey Consumer Fraud Act and New Jersey Nursing Homes
The Admission Agreements for nursing homes under the NJ Consumer Fraud Act (CFA) has been analyzed by the courts. Ther New Jersey CFA prohibits: …
New Jersey Offers Veterans a Number of Valuable Services
I came across a website sponsored by the state of New Jersey which is a terrific guide for available resources to veterans in New …
Here’s an Overview of Medicare Health Insurance
Medicare is a federal program of health insurance. Medicare pays for acute illness but it is not a program designed to provide benefits for …
Sick of New Jersey’s Obscene Taxes? Then Consider Changing Your Domicile and Move to Florida
Sick of New Jersey’s high taxes and anti-business politics in the state legislature? Then join the growing list of ex-patriots leaving for Florida and …
A Recent Federal Court Decision Permits a Patient the Right to Appeal a Change in Their Hospital Status
A federal appeals court granted certain hospital patients the right to appeal “observation stay designations in a ruling. It means many hospital patients will …
Can You Transfer Your Home With a Mortgage to a Trust Without Jeopardizing Your Bank Loan?
There is a Federal law called the Garn-St Germain Act. Federal Regulations exempt transfers to trusts in which the transferor or a member of …
Medicare Now Covers the Cost of COVID At-Home Tests
If you have Medicare, you can now receive up to eight free rapid at-home Covid-19 tests a month at participating pharmacies. The free tests …
It’s Medicare Open Enrollment Time: Is Your Plan Still Working for You?
Every year Medicare gives beneficiaries a window of opportunity to shop around and determine if their current Medicare plan is still the best one …
Estate Creditors and Making Claims Against the Probate Estate
One of the unique aspects of estate administration in New Jersey is how “hands-off” it is compared to other states. An executor or administrator …
If Someone Dies Immediately Before Signing a Will, Can it Be Salvaged?
Can a copy be treated as an original if the original is lost? Is a Will signed electronically during quarantine valid? Traditionally, a deceased …
Contracts to Make or Revoke a Will – Preserving Your Estate Plan
Many of our couples who seek estate planning execute “sweetheart wills.” That is, each executes a will stating that upon the death of the …
Medicare Scams
There is a new Medicare telephone scam. Scammers are calling, and identifying themselves as from Medicare. Then, they are asking for Medicare numbers and …
Inheritance Tax – Who Should Pay?
One of the biggest questions to tackle in formulating an estate plan is the payment of any estate and inheritance taxes. Should the estate …
Understanding Medicare and Your Right to Rehab and Therapy in a Skilled Nursing Center
In 2013, a federal district court approved a settlement agreement in a landmark case named Jimmo v. Sebelius. The Jimmo Settlement confirmed that Medicare …
When Should I Be Looking to Do an Estate Plan?
When you die, you will leave an estate. Your estate is comprised of everything you owned, saved and accumulated during your life. It is …
Is an Inherited IRA Protected from Bankruptcy and Creditors?
New Jersey has fraudulent transfer laws that prevent property “made in trust” for a debtor to be available to creditors to satisfy their debts. …
Federal Government Agency Announces Support for Indoor Visitation to Nursing Home Residents
For many families, restrictions on visits to their loved ones who live in assisted living facilities and nursing homes has been devastating. Today, the …
If You’re Going to Loan Money to a Parent, Do a Promissory Note and Keep Good Records
Older persons often have their liquid assets tied up in real estate, mutual funds and annuities. They cannot gain access to these funds quickly …
COVID Vaccinations
Today, New Jersey announced that certain individuals under the age of 64 will be eligible for a COVID-19 vaccination soon. This news is a …
Consider Alternative Care Facilities for an Aging Adult Besides an Assisted Living or Nursing Home
When considering options for long term care in a facility setting, most people know about assisted living facilities and nursing homes. There are, however, …
Can a Nursing Home, Assisted Living Resident Refuse the COVID Vaccine?
Vaccines are always controversial. For many of us, we view our right to receive a vaccine – or refuse it – to be similar …
Holiday Visitation
After more than seven months of “sheltering in place” and limited “outdoor” visitation, many of our clients want to bring Mom or Dad home …
Refusal of Vaccinations While Living at Long-Term Care Facility
We received an inquiry from someone whose mother resides at an assisted living facility. The facility told residents it will be giving out flu …
After the Wedding Bells Have Rung Again, Update your Estate Plan
It is surprising how often we hear of situations in which a person passed away unexpectedly or had a catastrophic accident or stoke, and …
Dealing With the Obnoxious New Jersey Inheritance Tax Waiver and When It Can Be Avoided
While New Jersey did away with its estate death tax in 2018, it still has an inheritance tax, although the number of estates that …
The Importance of Having a Medicare Supplement Insurance Plan
Medicare pays for hospital and doctor costs for persons over age 65 Not all medical costs are covered by Medicare This article discusses Medicare …
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