August 17th, 2015 12:31pm
David A. Cutner
Medicare recently announced plans to reimburse doctors for end-of-life discussions with their patients. This is a welcome and long-overdue development. End-of-life issues are complex, and discussing your wishes with a health care professional can give you the information you need to decide what you want when such an issue arises. It also helps to establish and make known what your wishes are, so that even if you are not able to express your wishes at the time a decision is needed, they are already known.
Social conservatives had opposed making the management of end-of-life decisions an official part of the health care system. They fear that “death panels” will “pull the plug on granny” if it is deemed too expensive to keep her alive. Yet informing patients about what their options are is crucial if patients wish to maintain control over their care. These discussions are an educational process that is as individual as the patient, since every person’s situation is different. If such discussions do not take place, and the patient has not made known his or her wishes, end-of-life care can end up defaulting to health care providers who do not even know the patient, let alone know what the patient’s wishes are.
The bottom line is education and information are key components to maintaining control of your health care. Lamson & Cutner is dedicated to educating its clients about the financial aspects of health care, so they can maintain control in that area of their lives as well, and gain the peace of mind that goes along with knowing they have done everything possible to maximize their well-being.
August 7th, 2015 02:00pm
Cynthia P. Kuster
Fifty years ago, in July 1965, the government enacted legislation to ensure that Americans over 65, disabled people, and people without adequate means, would have access to health care. Medicare is a federal program that provides medical insurance, and it is the major reason why only 2% of Americans over 65 are without such insurance.
Medicaid is a joint state-federal program. It was designed to provide long-term care and health insurance to those who lack the financial means to pay for it. One of Medicaid’s biggest issues is that federal rules allow states tremendous discretion about whom they help. Some states are very stingy with benefits. Happily for New Yorkers, our state relative to others is extremely generous regarding access to Medicaid benefits.
This is fortunate, because one of the serious unsolved problems with our health care system is the ruinous cost of long-term care. Many people reach their senior years with a house or apartment and a modest level of savings, and think they’re doing okay. Yet if, as is often the case, they need long-term home care or nursing home care, and have not taken any steps to protect their assets, they can use up their entire life’s savings within a short period of time and become impoverished. They still need care but now are completely dependent on family members and what Medicaid will provide. They have no ability to supplement their care, nor do they have a penny to leave to their spouses or heirs. In fact, sometimes children or relatives end up financially assisting the elderly relative, in order, for example, to enable the person to remain in their home.
Fortunately, in New York, seniors and the disabled are permitted to protect their assets and still receive Medicaid for their health care needs. The protected money can be used to help them maintain their dignity, remain in their homes, and supplement Medicaid if they feel the need to do so. In this way their remaining years can be enjoyed with peace of mind. The alternative is facing the real prospect of spending their entire life’s savings in a brief period of time, losing everything, and then, with years still left to live, becoming completely dependent on the government and possibly a burden to their families as well.
This is Lamson & Cutner’s main area of professional practice – helping people protect their assets, obtain quality long-term care, and gain government benefits, so that the years they require long-term care can be spent in peace and comfort.
June 29th, 2015 11:08am
Traci D. Blake
At the eCareDiary website, Founding Partner David Cutner was recently asked about the effects of long-term care planning on a Will and an Estate Plan. A reader asks Mr. Cutner, “I have a Will and estate plan. How will they be affected if I need long-term care?”
Mr. Cutner discusses an overview of some of the long-term care options and strategies available to New York State residents, and how to obtain Medicaid benefits with the assistance of an Elder Law attorney. He also reviews whether or not Will and Estate plans are satisfactory documents for Long-term care planning, and how these documents can be impacted.
The article is located in the “Expert Q&A” section of eCareDiary.com, and the link to the article can be found below. http://www.ecarediary.com/QAArchives1522/Is-Having-a-Will-and-an-Estate-Plan-Enough-for-Long-Term-Care-.aspx
June 15th, 2015 12:53pm
Julia M. Greenberg
The 2015 federal estate and gift tax exemption rose to $5.43 million per person. This amount is slightly above the $5.34 million which was the 2014 estate tax exemption.
This means that during 2015 a person can bequeath to their heirs an estate of up to $5.43 million including any gifts made during lifetime, without having to pay federal estate tax. The top federal estate tax rate remains at 40%.
The 2015 annual exclusion for gifts did not increase from 2014, which was $14,000 per donee. Wealthy individuals will sometimes make gifts to their children and grandchildren on an annual basis to reduce the size of their estate. For example, a parent can make a gift of up to $14,000 to each child, without having to file a gift tax return or pay gift tax. Generally, the donor is responsible for the gift tax, but the donee(s) may agree to pay the tax instead, as per IRS guidelines.
Regarding any state estate or inheritance tax, individuals should consult with their attorney, tax advisor or with the department of taxation in their state of residency.
June 8th, 2015 11:44am
Cynthia P. Kuster
Lamson & Cutner, P.C., is a proud sponsor of the Miracle League of Westchester
The Miracle League of Westchester is a league for special needs children and adults that enables them to play baseball at a specially designed adaptive field. The organization’s motto is, “Everybody deserves a chance to play baseball.” At Miracle League games, each player is matched with a buddy who assists the player as needed on the field, gives support and encouragement, and acts as a friend on and off the field. This year the League’s seven-game season began April 25th. The League also hosts a Golf Outing, a 3-week Summer Program where participants can try other sports, an Awards Picnic, Fall Ball, Movie Nights, a Halloween event, and a Holiday Party.
Partner David Cutner stated, “I feel that sponsoring the Miracle League is an important way for our firm to give back to the community, enabling people of all ages and abilities to have fun playing the great game of baseball.” Lamson & Cutner is pleased to be helping people with special needs.
June 1st, 2015 10:29am
The eCareDiary is a website that offers regular information and updates to caregivers of the elderly and disabled. Partner David Cutner regularly answers questions for readers, as Mr. Cutner is a member of the panel of “experts” on the eCareDiary website.
Recently, a reader asked the question, “Does Medicaid Assign a Nursing Home When It’s Time?”
Mr. Cutner answered by saying that patients and families are able to select the nursing home of their choice, assuming that the nursing home accepts Medicaid patients (almost all do), and if there is an available bed for the patient.
A link to Mr. Cutner’s complete informative article is here below.
April 28th, 2015 10:14am
Cynthia P. Kuster
Partner David Cutner was recently interviewed for an article in FOXBusiness.com, “What [Baby] Boomers Need to know About Reverse Mortgages” by Casey Dowd, “The Boomer.” In the article, Mr. Cutner explains what a reverse mortgage is, and why people use them. He also explains some of the serious risks of this financial product that people should be aware of – and wary of.
As Mr. Cutner states, “The original idea of the reverse mortgage was to give seniors (age 62 and over) the opportunity to access the equity in their homes without selling or incurring the obligation to make monthly payments to a lender.” However, at 62, a person could live 30 or more additional years. “Borrowing too soon – before the funds are really needed – can have a devastating impact later on” should the borrower face unexpected future financial obligations. Reverse mortgages also often come with high costs and high interest rates.
To read the full article, with more information about the benefits and risks of reverse mortgages, click on the link below:
April 21st, 2015 02:13pm
Cynthia P. Kuster
When a loved one is diagnosed with Alzheimer’s disease, the challenges are multifaceted and daunting. The emotional strain on family and friends who become caregivers to the patient can be overwhelming. They often become distressed seeing their loved one change behaviors, or struggle to remember, recognize their own surroundings, or communicate effectively.
Caregiving can be physically demanding as well. Alzheimer’s patients sometimes need constant, careful supervision to ensure their safety and take care of their needs. As Alzheimer’s is a progressive disease that presents in stages, patients in a mid to late stage require more attention. It can be helpful for caregivers to find personal time for exercise or meditation, to pay attention to their own health concerns and stress levels.
Watching a loved one slip away is difficult enough, but there can also be financial concerns that add to the frustration and stress. Caregivers, who many times are spouses, often juggle the responsibility of managing the patient’s and the household’s finances. It is no surprise that about 40% of caregivers for dementia patients suffer from depression.
The drain on financial resources for obtaining home care assistance can be devastating, especially if the afflicted person lives for many years after the diagnosis. A person’s – or a couple’s – life savings can easily be eaten up, paying for care. Early planning can help protect most of your (or the afflicted person’s) savings, enabling the patient to maintain his or her lifestyle as long as possible without becoming impoverished. Even later stage planning, when the Alzheimer’s/dementia sufferer is about to enter a nursing home, can protect a significant portion of the patient’s savings.
Seeking legal advice from a reputable Elder Law attorney as soon as possible after diagnosis gives you the best chance to protect and safeguard the financial resources of a person diagnosed with Alzheimer’s disease. The sufferer will have the best opportunity possible to live out his or her life in comfort and dignity. You can also be relieved of some of the stress and anxiety that accompany seeing their, or your, life savings being completely exhausted by the cost of care.
The role of the caregiver for the Alzheimer’s or dementia patient will always be unique, depending on the circumstances. Understanding the disease, and adapting to your loved one’s needs, can be both challenging and rewarding.
April 15th, 2015 01:49pm
Cynthia P. Kuster
Partner David Cutner, as an “Elder Law Expert” on the eCareDiary website, recently answered a new question posted by a user of the site. The question was, “If I have Medicaid home care, can I select my own caregiver, or do I have to work with a Medicaid approved agency?” Mr. Cutner’s answer was, yes, you can select your own caregiver using Medicaid’s CDPAP program, but you need to be aware of the conditions.
Under the CDPAP program, you choose the caregiver, and she is paid by Medicaid (at Medicaid’s rates). However, you will not have the support of an agency in the event that your caregiver is unable to come to work. You would be well advised to have back-up support lined up in advance, in case there is a problem.
If you are waiting to be approved for Medicaid home care and are private paying in the meanwhile, your chances of being reimbursed by Medicaid will be greatly enhanced if you use a Medicaid licensed agency. As Mr. Cutner states, “if you work with an unlicensed agency or with a consumer directed caregiver, there is a high risk that your reimbursement request will be denied.”
Making sure you understand the issues involved with obtaining and paying for senior care is extremely important. That is why so many people employ Elder Law attorneys to assist them.
April 9th, 2015 04:26pm
Julia M. Greenberg
Alzheimer’s Disease, named after psychiatrist and neuropathologist, Alois Alzheimer, is a mentally degenerative disease that impairs cognitive function. It is a form of dementia that affects people both in mid-life and later in life. Today, approximately 5.3 million Americans have Alzheimer’s Disease, according to the Alzheimer’s Association. Some statistics say that approximately 65% of dementia patients suffer from Alzheimer’s.
Alzheimer’s can often appear in stages. It sometimes can be mistaken for natural aging or memory loss in its early stages, and it can be difficult to diagnose. Its cause may be genetic, say some studies. It is, of course, a very good idea to consult your family physician or neurologist if you or your loved one is symptomatic. Thankfully, there are current treatment options that delay the advance of the disease, and hopefully with further research and development, treatment options will increase and improve in the future.
As our population ages, the prevalence of Alzheimer’s is likely to grow. Today, there are excellent resources for the Alzheimer’s patient, their families, and caregivers. The Alzheimer’s Association is a wonderful resource, and has locations across the country, including one in New York City. They also have a helpline. Useful information can be found at www.alz.org.
Many local hospitals have centers that specifically serve the Alzheimer’s and dementia population, and their Social Service Departments are a great resource for support networks, as well as physician referrals.
The burden associated with caring for your loved one who suffers from Alzheimer’s can be onerous in many ways. Seeking the advice of an Elder Law Attorney can ease the burden on the family. For residents of New York State, there are excellent benefit programs available to the Alzheimer’s patient and their family. The planning options and strategies that Elder Law Attorneys have available to their clients, can help you avoid financial ruin from the costs of extended long-term care. Alzheimer’s patients can live many years, so understanding legal planning options is certainly worthwhile. In light of Alzheimer’s effect on mental capacity, it is always recommended to arrange one’s legal affairs as soon as possible.
March 30th, 2015 03:37pm
Traci D. Blake
While the Fully Integrated Duals Advantage (FIDA) Program is not yet in its mandatory phase for seniors receiving both New York Medicaid and Medicare, it is very important to be aware of upcoming gaps in insurance coverage. Presented as the one-stop insurance plan that covers everything seniors will need for their health care, the new private managed care insurance scheme will not provide health insurance coverage in four areas historically covered by New York Medicaid and/or Medicare. FIDA will provide patients with access to doctors, hospitals, prescriptions, rehabilitation therapy, home care services, nursing home services, and much more. However, out of network family planning services, methadone maintenance treatment programs, directly observed therapy for tuberculosis disease, and hospice care will now be non-covered services.
These non-covered services may be accessed through fee-for-service Medicare or New York Medicaid. The Interdisciplinary Teams and FIDA plans are required to coordinate, arrange, and ensure receipt of these services by the patient from their Medicare and Medicaid programs when called for in the patient’s service plan.
March 23rd, 2015 02:10pm
Traci D. Blake
Under New York law, there are just (6) ways in which a nursing home may discharge a patient from their facility.
- The patient’s health improved and care at the facility is no longer essential.
- The discharge is necessary for the resident’s well-being as the facility is unable to adequately address his or her needs.
- The patient needs to be discharged for the safety of individuals in the facility.
- The patient must be discharged because the health of others in the facility could be endangered.
- Non-payment after adequate and appropriate notice to the responsible parties.
- The facility is closing and has received approval of its plan of closure from the New York State Department of Health.
Before a discharge can occur, the nursing home must provide adequate verbal and written notice to the patient’s legal representative or immediate family within 30 days of the transfer/discharge. If the discharge or transfer is due to health and/or safety reasons, then the verbal and written notice must be provided as soon as practically possible. Federal law requires the discharge notice to provide the specific regulation that supports the action taken by the facility along with the reason for the discharge/transfer, the effective date, the location of the discharge, information regarding the right to appeal the decision, and the contact information for the State Long Term Care Ombudsman program.
If you file a timely appeal, you have the right to remain in the facility until a final decision is made.