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Your Trusted Partner in Meeting the Legal Needs of Seniors in Upper Allen Township
As we age, our legal needs inevitably change. Pennsylvania seniors often face a variety of issues, such as long-term planning and the preservation of assets for future generations. Keystone Elder Law, P.C. is an Enola elder law firm dedicated to assisting seniors and their families with these matters and more. Our personalized approach considers your family’s specific needs, helping you develop a comprehensive legal plan that aligns with your goals.
Beyond Estate Planning: Comprehensive Legal Services
While elder law is commonly associated with estate planning, our services extend far beyond that. As a full-service elder law firm, we can provide guidance in the following areas:
- Wills: A last will and testament is a fundamental estate planning document that everyone should have. It outlines how your property will be distributed after your passing and designates a trusted individual to serve as the executor of your estate.
- Trusts: Contrary to popular belief, trusts are not exclusive to the ultra-wealthy. They are a valuable estate planning and asset protection tool that can help manage your assets during your lifetime.
- Medicaid Planning: Many Enola seniors may require nursing home or long-term care in their later years, which can be financially burdensome. Medicaid can cover these expenses, but navigating its complex regulations is crucial. We can assist you in developing appropriate plans to protect your assets while qualifying for Medicaid.
- Long-Term Care Planning: Even if you possess sufficient financial resources, exploring various options for future elder care is essential. We can guide you through considerations such as in-home care or transitioning to an assisted living facility.
- Alzheimer’s and Dementia Services: If you have a parent or elderly family member facing Alzheimer’s disease, dementia, or another progressive illness, we can provide legal advice tailored to their unique circumstances. This includes addressing potential guardianship or conservatorship needs.
Take Action Today—Consult with Our Enola Elder Law Attorneys
Many individuals delay seeking the counsel of an elder care lawyer until it’s too late, leaving them uncertain about the necessary steps to take when legal issues arise. It’s crucial to take control of the process early on.
At Keystone Elder Law, P.C., our attorneys are ready to address any questions you may have regarding your legal needs. Once we evaluate your situation, we will handle the required legal documentation, providing you with a solid foundation moving forward. The first step is yours to take. Contact us today to schedule an initial consultation and begin securing your legal future.
Power 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.
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.
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.(717) 697-3223