Your Trusted Partner in Estate Planning and Asset Protection
“Don’t postpone today’s tasks for tomorrow.” This timeless advice, often imparted by our grandparents, holds true even as we become grandparents ourselves. However, when it comes to planning for our legal and financial needs, many seniors in Pennsylvania tend to procrastinate until it’s too late. Don’t let this happen to you. At Keystone Elder Law, P.C., we are a team of experienced Camp Hill elder law attorneys dedicated to serving seniors and their families in South Central Pennsylvania. Whether you require a simple update to your will or assistance with complex asset management, we are here to help.
How Can Our Camp Hill Elder Law Attorneys Assist You?
One of the most common concerns raised by our clients is the question of how to finance nursing home care. As more Camp Hill seniors require assisted living or full-time care, this is no longer a hypothetical question. Depending on your circumstances, various financing options may be available to you, such as utilizing retirement plans, insurance policies, or even Medicaid.
It’s important to understand that elder law encompasses more than just planning for the distribution of your property after your passing. It also involves planning for the quality of your life during your remaining years. If you have assets you wish to protect and pass down to future generations, it’s crucial to initiate the legal planning process without delay.
Keystone Elder Law, P.C., can provide guidance in the following areas:
- Business and Tax Planning
- Estate Planning
- Estate and Trust Administration
- Estate Litigation
- Guardianships
- IRA Protection Planning
- Life Care Planning
- Living Wills
- Medicaid Planning and Asset Protection
- Powers of Attorney
- Probate and Estate Administration
- Special Needs Planning
- Veterans’ Benefits
In summary, we offer a comprehensive range of legal services tailored to address the challenges often faced as individuals enter their Golden Years. While the process may seem complex and overwhelming initially, our highly regarded Camp Hill elder law attorneys will be by your side, providing guidance every step of the way. Our sole objective is to prioritize your best interests. This begins with an initial consultation, during which we gain a deeper understanding of your unique situation and start developing a customized plan that aligns with your needs.
Contact Keystone Elder Law, P.C., Today
While aging is inevitable, we can take control of our legal and financial futures. The first step is to reach out to Keystone Elder Law, P.C., and schedule a no-obligation consultation with one of our attorneys. We proudly serve clients in Camp Hill, Cumberland County, and throughout South Central Pennsylvania. Don’t delay—empower yourself today.
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REGISTER HERE for LONG-TERM CARE PLANNINGPower of Attorney
A Power of Attorney can be used to give another person the right to sell a car, home, or other property in the place of the maker of the Power of Attorney. A Power of Attorney might be used to allow another person to sign a contract for the maker of the Power of Attorney (the person who makes a power of attorney is called the “principal”). It can be used to give another person the authority to make health care decisions, do financial transactions, or sign legal documents that the principal cannot do for one reason or another. With few exceptions, Powers of Attorney can give others the right to do any legal acts that the makers of the Powers of Attorney could do them themselves. A General Power of Attorney gives the “power of attorney Agent” or simply “Agent” (the legal name of the person who is authorized to act for the principal) very broad powers to do almost every legal act that the principal can do. When Elder Law Attorneys draft general Powers of Attorney, they still list the types of things the Agent can do but these powers are very broad. People often do general Powers of Attorney to plan ahead for the day when they may not be able to take care of things themselves. By doing the General Power of Attorney, they designate someone who can do these things for them.
Normal Powers of Attorney terminate if and when the principal becomes incompetent. Yet many people do Powers of Attorney for the sole purpose of designating someone else to act for them if they cannot act for themselves. It is precisely when persons can no longer do for themselves that a Power of Attorney is most valuable. To remedy this inconsistency, the law created a Durable Power of Attorney that remains effective even if a person becomes incompetent. The only thing that distinguishes a Durable Power of Attorney from a regular Power of Attorney is special wording that states that the power survives the principal’s incapacity. Even a Durable Power of Attorney, however, may be terminated under certain circumstances if court proceedings are filed. Most Powers of Attorney done today are durable.
Yes. At the time the Power of Attorney is signed, the principal must be capable of understanding the document. Although a Power of Attorney is still valid if and when a person becomes incompetent, the principal must understand what he or she is signing at the moment of execution. That means a person can be suffering from dementia or Alzheimer’s Disease or be otherwise incompetent sometimes but as long as they have a lucid moment and are competent at the moment they sign the Power of Attorney, it is valid even if they do not remember signing it at a later date. At the time it is signed, the principal must know what the Power of Attorney does, whom they are giving the Power of Attorney to, and what property may be affected by the Power of Attorney.
Any competent person eighteen years of age and older can serve as an agent. Certain financial institutions can also serve. There is no course of education that agent must complete or any test that Agent must pass. Because a Power of Attorney is such a potentially powerful document, agents should be chosen for reliability and trustworthiness. In the wrong hands, a Power of Attorney can be a license to steal. It can be a big responsibility to serve as an agent.
For Medicaid
Medicare is health insurance and covers medical services such as physician appointments, therapy, blood tests, x rays, medical procedures and hospitalization. Medicare will sometime pay for rehabilitation in a long-term care facility for a period of 20 to 100 days, but not longer. In long-term care, Medicaid covers the cost of ongoing support services for daily functioning, such as room and board in a nursing home.
Medicaid is a federal program that is overseen by the Center for Medicare and Medicaid Services (CMS). In Pennsylvania, Medicaid is called Medical Assistance and is administered by the Department of Human Services (DHS).
In Pennsylvania, Medicaid funds are not available to pay for assisted living or personal care.
For Medicaid to pay for care in a nursing home, an individual recipient must be determined to need a nursing home level of care by a physician and the local Office of Aging. An individual whose income is not greater than three times the poverty level may keep up to $8,000 of total resources, but may otherwise keep only $2,400. The cash value of life insurance counts as a resource, but one car and a residential home does not count as a resource.
What an amazing team you have!!! Taking charge and getting things done, but also being so understanding and compassionate
Empowering Clients with Holistic Planning at
Keystone Elder Law
At Keystone Elder Law, we believe that the physical, social, legal, and financial considerations of our clients all intertwine. We utilize an interdisciplinary approach to evaluate each area, which allows for the creation of a plan that addresses the concerns of the individual as a whole as well as the family. To this end, our model of practice includes a Care Coordinator (usually a nurse or social worker), whose expertise complements our team of attorneys.
When the road of life is smooth, decisions about legal and financial matters are easy to push aside for “a rainy day.” Planning ahead, however, will allow for more options as you view the map of where you’ve been and where you want to go. Don’t let a crisis limit your choices or derail your plans.
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