Aging in Place: Make a Plan, Assemble your Team
“No matter what, please keep me out of a nursing home!” How often do people hear their parents say this, as the parents enter their most senior years. The reality is that aging in place is a complex but achievable endeavor for most people. Whether you are the person who hopes to “age in place,” or you are the person who will have responsibility to make it happen, you...
When Hiring In-Home Caregivers, Consider the Legal as well as Personal Issues
Under New Jersey law, the field of home care services is regulated by the NewJjersey Department of Health, and the copious regulations can be found in N.J.A.C. 10:60. Home health aides and home health nurses are credentialed by the NJ Board of Nursing. The requirements for licensure of Home health care agencies can be found at N.J.A.C. 8:42, Home Health Agency Licensing Standards. By 2017, all...
Great idea for older folks to help avoid missed insurance payments
There is a New Jersey insurance law which allows a person who is 62 years of age or older to designate an authorized third party to receive Policy Lapse Notices and Late Payment notices from the policyholder’s insurance company. This is a regulation at N.J.A.C. 11:2-19. The process is easy. Many companies will provide you with their own form upon request. For others, just send a written...
Great idea for older folks with brokerage and investment relationships
I have just learned that Morgan Stanley has instituted an optional opportunity that can be used by their aging customers. Maybe some other financial advisors or banks have a similar option. It provides a form for account holders to designate someone who the Morgan Stanley personnel can contact and share confidential information with, because — as the form says — “situations...
We Respect Our Aging Parents by Helping Them Plan for Future Needs
Could this be you? You’re in your thirties or forties, with several active children and a busy social and business life. You’ve got volunteer activities and school programs to keep track of. Your parents are in their seventies or eighties, have their own home, and appear to pay all their bills when due. You have no idea what your parents’ income or assets are because they don’t want to bother...
Power of Attorney isn’t just a “form”
I’ve been thinking a lot about Power of Attorney issues lately because of a variety of problems my clients have encountered. A power of attorney is a document that reflects a relationship created between one person and another person in which the principal person appoints the other person as their “Agent and attorney-in-fact” with power to carry out different kinds of...
HIPAA forms that help your helpers to help you with your health care
To make sure that your personal health care advocates can have access to your Protected Health Information (“PHI”) and your treating health care personnel, it’s particularly important that you sign HIPAA authorization forms and put them into the chart at the hospital, clinic, rehab center, nursing home or doctor’s office. Our practice is to provide these forms when our...
In Guardianship litigation, losing party may lack standing for certain appeals
When a guardianship petition is filed (N.J.Rules 4:86), seeking to have the court declare a person to be incapacitated and to appoint a Guardian to make the decisions on their behalf, there are a variety of parties who may be involved in the case. The Petitioner is the person who files the action — sometimes called the plaintiff. They are typically represented by an attorney. The Alleged...
Banks are pummeling their customers with aggravating procedures
Many of our clients are aged and many of our clients are fiduciaries for other people in roles such as Agent under Power of Attorney, Estate Administrator or Executor. NJ Rev Stat § 46:2B-19 (2013) In a typical week our clients have to ask banks to provide documents and services that are required to enable the client to file an application for public benefits, pay expenses for an estate,...
Understanding Alzheimers Disease and Creating a safe environment for aging
I just came across a great article in the Journal of Family Practice (January 2015) by Marisa Mendola PhD and Barry D. Weiss, MD, called “Addressing Alzheimers: A pragmatic approach.” JFP_06401_Article1 The article is, of course, addressed to physicians who may be noticing signs of cognitive impairment in their patients or who have been alerted that “there seems to be...