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A Multi Generation Law Firm

 By  Attorney Rick Law of the Estate, Asset and Retirement Tax law firm of Law ElderLaw, home of the Estate Planning Center at Law ElderLaw in Aurora, IL.

As a prospective client, it’s completely reasonable for you ask your attorney about their own succession plans.

I was born in 1950 and my life expectancy is about 14 more years.  When I was on vacation a few years back, one of my attorney acquaintances died suddenly of a heart attack. He was 61 and a sole practitioner… kind of leaves you to wonder;  was he ready for the unexpected? What’s happening with his client’s files?  Thankfully, Law ElderLaw is a multigeneration firm filled with talented and personable lawyers, not the least of which is my Daughter, Diana.

Whatever attorney you choose, they should take no offense if you ask, “How old are you?”; “How will you keep track of my secure files in the future?”; and “What is your succession plan if something happens to you?”  Every client deserves to know the answers to those questions.

Here at Law ElderLaw one of our goals is to run our law practice with modern, business-style systems designed to care for our clients every step of the way.  Our systems begin with sending our message to prospective clients and ends with our final information and electronic file storage.  But most importantly, at Law ElderLaw we provide services to our clients as a team.  Running a law practice today requires management of much more than just the legal work, and we take that seriously—for ourselves and for our clients.

Let me leave you with a story;

Lola finished signing her estate plan documents and looked up at me and sighed, “That is such a relief!  Every time we drive in bad weather, I worry about dying before we have provided for our granddaughters.”

She has a lovely Spanish accent, so those words were definitely music to this attorney’s ears.

But then with a note of concern, she looked directly at my face and asked, “How old are you?”  Her worry had just changed from completing her estate plan to worrying about whether or not I would outlive her.

She wanted to feel confident that I would be around to help provide guidance for her granddaughter’s trust. And rightfully so! “ I am 65,” I responded, “and the good news is that Law ElderLaw has a second generation built-in. I am the oldest at our firm, but we have many young, capable people here to hold your hand if something happens to me.”

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Our Mission at Law ElderLaw

By estate planning attorney Rick Law.  Rick is founder of the multi-generation law firm Law ElderLaw in West Suburban Aurora, IL. 

Are you aware that a catastrophic illness could wipe out virtually all your financial resources?  What will happen to you if you outlive your money?  You can learn how to protect your life savings and your legacy during our free vision meeting.  Call our office at 800-310-3100 to ask for more information or set up an appointment.

At Law ElderLaw, our mission is to help seniors protect their assets from unnecessary taxes, legal expenses, and the devastating cost of catastrophic healthcare or long-lasting nursing home fees.  Our goal is to make sure your assets will last you a lifetime, and passed on to your loved ones in the most timely and cost-effective manner.

You may be surprised to find that elder law attorneys are of a different breed than other lawyers.

Not only are we familiar with professional resources for you and your loved ones, but we are also ready to provide you with many community resources to help meet your family’s needs.  Serving over 400 Illinois families every year, we have walked this difficult road before and we understand the delicate situations that surround end-of-life planning.

Come in and talk to us, we can help you along this path.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Could Medicaid Help Pay for Your In-Home Care? Part 2

By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law ElderLaw in West Suburban Aurora, IL.  LEL is a multi-generation law firm.

In the last installment of my blog, you learned some of the basics of Medicaid in Illinois – and why you need to be informed about it even if you still have money!

The Illinois Department on Aging’s Community Care Program helps seniors who might otherwise need nursing home care to remain at home by providing help that the senior may need.  This includes help within the home, as well as in the community.

This program allows qualifying seniors to keep their independence, while providing cost-effective alternatives to a nursing home.

Some of the benefits of the Community Care Program include:

  • In-Home Help is available to provide assistance with household tasks and personal care for older adults who are moderately impaired. It could be something as simple as uncapping medications and providing water, or even assisting with personal care, cleaning, doing laundry, preparing meals.  Help with more complex tasks is also included, such as meal planning, shopping and arranging transportation.
  • Emergency Home Response Service provides the senior with a signaling device for 24-hour emergency coverage.  That way, if help is needed (such as a fall or a fire), the senior can easily alert the authorities and get fast help.
  • Adult Day Services offer older adults the opportunity to interact with other people in a safe, supervised setting outside the home. Snacks and a noon meal are provided, and participants may enjoy everything from arts and crafts to card games. Counseling and physical therapy with trained professionals are also available in some centers. Adult day service centers can greatly help caregiving family members who may need a few hours to themselves, or who work outside the home during the day. In many adult day service centers funded by the Illinois Department on Aging, specialized programs are available for seniors with memory problems such as Alzheimer’s or dementia.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Disabled Child and the TLC Trust

By estate planning attorney Rick Law, founder of the Estate Planning Center at Law ElderLaw, a multi-generation law firm in the Western suburb of Aurora in Illinois.

My wife and I are empty-nesters.  We looked forward to reaching this point with excitement, and a little anxiety too.  Having raised four children, it’s time to move on to the more senior stages of downsizing and anticipating our retirement.

Not everyone becomes an empty-nester.  And although we sometimes joke about the occasional “failure-to-launch”, the child who still relies heavily on the parents due to their inability to establish a career, there’s another group of parents who will never know the joy of seeing their child be fully self-supporting.  

In my office it is not uncommon for me to sit across the table from an 83 year old parent who is still the primary caregiver for a child who is chronically disabled.  Those parents live in dread of the day that they will die and their children may survive them and face a future without the loving protection of a parent.

This is the first time in human history that parents face the possibility of having their chronically disabled children actually outlive them.  Prior to the introduction of antibiotics and many other great advances in health care, chronically disabled children routinely died at a young age.  But now, even parents who have lived to become the frail elderly themselves may have chronically disabled children who are themselves senior citizens, but who are still at home being cared for by their parents.  

In fact, sometimes when we assist families in bringing in a professional caregiver for the aged parents, those same caregivers are providing necessary services to the child with the disability, as well.  This raises new challenges for those parents and their children. This type of disability is really quite common.  “Developmental disabilities” are severe chronic conditions caused by mental and/or physical impairments.  Individuals affected by such challenges may be so profoundly impacted that they will never be able to function independently.  

So how can a parent be assured that a disabled child will be taken care of after the parent is gone?  Some attorneys will recommend that you leave everything to another, non-disabled child, to care for the disabled sibling.  This passing of the torch is unfair and in many ways ill-advised. Far better is the creation of a special needs trust specifically for the benefit of your disabled child.

If you’re ready to start getting your estate in order and secure your assets for the “worst-case” scenario, please give our office a call at 800-310-3100. Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,   

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Seniors in Love

“By Rick Law, estate planning attorney and senior advocate at the Estate Planning Center at Law ElderLaw in Western Chicagoland in Illinois.

Love and marriage is wonderful, but for senior citizens it raises very different issues than it does for the young and newly married.

One obvious issue is the fact that most seniors already have adult children, and many of those adult children are quite vocal in their concern about their mother or father becoming involved in a new love life.

Before mom or dad get married, many children want to make sure that their inheritance is protected.  To that end, many seniors use wills or trusts which direct that assets go to “my kids and grandkids,” or create pre-marriage-property-settlement agreements (pre-nuptial contracts) which require that the pending bride or groom give up any interest in their new spouse’s assets.

Despite these attempts to safeguard assets for the original families, there is another hidden danger to the family wealth whenever a senior chooses to wed. A trust or pre-nuptial agreement does not protect the assets of one spouse from being drained to pay for an ill spouse’s medical costs, including long-term care costs.

The “Common Law of England” required long ago that husbands and wives be legally responsible to pay for each others’ necessaries, and our own government adopted that requirement. Included in those “necessaries” are food, housing, and yes: healthcare. This includes the cost of care when someone is diagnosed with Alzheimer’s, Parkinson’s or any other long-term illness.

To protect themselves from this hidden drain on a lifetime of earnings, healthy vigorous seniors who are considering getting “hitched” must consider the wisdom of purchasing long-term care insurance and perhaps engaging an elder law attorney to assist them with longevity planning. All this must take place before your marriage, so that you have some idea of what your real risks are.

Elder law attorneys have many creative legal solutions that go beyond the traditional estate planner’s basic will and trust, which merely deal with the distribution of your assets at the time of your death, avoidance of probate, and minimization of estate taxes.

If you’re ready to start getting your estate in order and secure your assets for the “worst-case” scenario, please give our office a call at 800-310-3100. Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,   

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Escalation of Care Required

By Rick Law of the Estate Planning Center at Law ElderLaw.  Rick Law and daughter attorney Diana Law are the lead attorneys at the multi-generational law firm of Law ElderLaw. Serving seniors and their families through elder law services, estate planning, guardianship, probate, wills and trusts, and much more in Kane, Kendall, DuPage, Will and Cook counties in Illinois.

A client walks into a lawyer’s office and says, “I have been going over and taking care of my elderly mother for the past few months for a few hours a day. Now she’s been diagnosed with Alzheimer’s, and this is going to take up a lot more of my time and energy. I may need for her to move in with me and my husband, and I am going to need to start charging her. I want to set up a personal-care agreement for her.”

In this situation it is not too late to create a valid personal-care agreement even though care has already been provided for free, because at this point the client is saying that the care needs have intensified and it’s time for them to start being paid.

The key for Medicaid eligibility is that someone can never be compensated for care that was being provided gratuitously. In the Medicaid context, care provided without a properly drafted and medically justified personal-care agreement is presumptively gratuitous. For example, the parents lived with their son for two years and he did many things for them gratuitously, and then suddenly he says he wants to receive payment. He says that not only does he want to receive payment going forward, he wants to be compensated for all that previous care.

That will be a big issue for Medicaid eligibility for the affected loved one, because a retroactive payment will be viewed as a gift and could create a substantial period of ineligibility for the person needing Medicaid.

The reality is that a lot of times people incrementally get into these situations. So if you the individual seek out lawyers early in that process, your lawyer would probably want to have them set up a low-level personal-care agreement.

As the care increases, so would the amount that caregivers are being paid proportionally to the amount of hours they’re working over time. An elder law attorney will have ancillary documentation in place to validate the changes of care level needed.

If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Perfect World Versus Real World

By elder care attorney Rick Law, founder and managing partner at the multi-generational law firm of Law ElderLaw.  Home of the Estate Planning Center at Law ElderLaw, senior advocates in Western Chicagoland in Illinois.

In a perfect world, you (the client) will approach your elder law attorney before providing any care for your elderly parent who is suffering from Alzheimer’s disease and give the lawyer the opportunity to create a personal-care contract for them.

Unfortunately, it is much more typical that people will wait and tell their lawyers that they have been caring for their mother for the last several months free of charge, and now their mother’s Alzheimer’s is getting worse and they need to spend more time caring for her.

Perhaps they need to cut back their hours at work. Whatever their situation, they have now realized that they need to have their mother pay them for the care.

While it is much easier to draft the personal-care agreement prior to the start of the care, your lawyer can still draft the agreement after care has started. The key is to demonstrate an increase or escalation in the care needs of the senior.

However, the personal-care agreement can only be for services to be given commencing from the date of that agreement. It could be considered fraud by the state Medicaid department to create a personal-care agreement for services that had originally been rendered gratuitously. A personal-care agreement cannot be predated.

It can be very difficult for the caregivers if they first performed services for free and later request payment. In these situations a written agreement is almost certainly required.

A properly drafted personal-care agreement is required as the foundational document to rebut accusations of elder abuse within the familial-care arrangement. Proper and timely bookkeeping is also required—and unfortunately is the Achilles’ heel of many of these contracts.

It is very common that the parents may need a higher level of care than their child can provide. When one or both of them go to a nursing home and then apply for Medicaid, the parents account will be scrutinized and audited by the state. If there was no personal-care contract in place between the parents and the child clearly describing the care to be provided and the compensation to be paid, many states will consider the transfers as non-allowable which may in turn create a penalty period of ineligibility for nursing home Medicaid benefits for the affected loved one.

This is why it’s so critical to seek the counsel of a qualified elder law attorney before taking action.  Your lawyer can provide appropriate written advice and counsel, so as to avoid being liable for creating a personal-care agreement relationship that led to a denial of nursing home Medicaid benefits.

If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


The Familial Caretaker

By elder lawyer Rick Law, founder of the multi-generation law firm of the Estate Planning Center at Law ElderLaw in Western Chicagoland in Illinois. Serving seniors and their families in Kane, Kendall, Will. DuPage, Cook and other Illinois counties.

Many states have passed legislation that has greatly expanded the definition of elder abuse…

Family members who take on the role of caregiver may find themselves within the definition of people who have heightened duties relative to their loved one. Neglect of those duties can lead to both civil and criminal liability. Illinois passed an anti-elder abuse power of attorney law that went into effect July 1, 2012, which creates a presumption that if people who are agents are writing checks to themselves, that is per se abuse of the principal, the parent.

This presumption can be rebutted with the existence of a written agreement that stipulates clear terms and conditions that justify payments from the principal to the agent.

A properly drafted personal-care agreement is required as the foundational document to rebut accusations of elder abuse within the familial-care arrangement. Proper and timely bookkeeping is also required—and unfortunately is the Achilles’ heel of many of these contracts.

Eventually the parents may need a higher level of care than their child can provide. When one or both of them go to a nursing home and then apply for Medicaid, all those checks written by the child on the parents’ account will be scrutinized and audited by the state. If there was no personal-care contract in place between the parents and the child clearly describing the care to be provided and the compensation to be paid, many states will consider the transfers as non-allowable. A nonallowable transfer will create a penalty period of ineligibility for nursing home Medicaid benefits for the affected loved one.

Your elder lawyer can provide appropriate written advice and counsel to the client so as to avoid being liable for creating a personal-care agreement relationship that led to a denial of nursing home Medicaid benefits.

For example, the current Code of Illinois Rules state that care provided to a senior by a friend or family member is presumed to be “gratuitous.” The rules further state that “transfers for love and affection are not considered transfers for fair market value and thus are nonallowable and subject to penalty periods.” This can make it difficult in cases where a family member has been caring for a senior and not charging for the care or not keeping adequate records.

If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


The Love and Protection Trust, Part 2

By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law ElderLaw in West Suburban Aurora, IL.  LEL is a multi-generation law firm.

A Love and Protection Trust can be used to help safely provide for:

  • A loved one with a drug or gambling addiction
  • A child with a controlling spouse or partner
  • A child who has failed to launch
  • Those who will simply never be able to handle money, for any reason
  • An unemployable person
  • Someone who is at risk of being taken advantage of by creditors or predators
  • A loved one who makes poor life choices
  • Any loved one who is vulnerable

A Love and Protection Trust is designed to be a legal tool that can provide protection, motivation, and encouragement for an adult child who is unable to make careful and supportive decisions with his or her money. The LPT works to make certain that your investment in your adult child is used to further your caring purposes, positive values, and enduring concerns for his or her well-being.

The way this works is that a trustee will use your written trust instructions to help safeguard your property in order to benefit your child. Trained investment professionals will defend the money and work to maximize a reasonable and profitable return on the assets that you have left. By law and by the trust document itself, the trustee must make wise and intelligent decisions to protect your child and your trust.

Unfortunately, it happens all too often that adult children squander their entire inheritance – unless you take control by making a gift of love and protection by using a lifetime trust. The LPT prevents an adult child from foolishly spending, wasting, and losing your hard-earned estate. Your investment in your child is protected from creditors, failed marriages, and other predators.

Some adult children are extremely vulnerable to creditor lawsuits and many other types of legal claims. An LPT can be designed to discourage substance abuse and to provide for the special needs of your adult child. You can and should build protective walls around the legacy that you have chosen to leave your loved one.

You can truly build a fortress with this trust. At its most basic, a love and protection trust will be there for your child long after you are no longer able to be directly involved. Your legacy of love, protection, and sound investments will give your adult child the best chance to have money still available if and when he or she eventually chooses to seek help to make a positive life transformation.

Call our office to discover more about how you can help rescue your vulnerable child for their whole lifetime.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


If You Need Help Now, Do This One Thing

By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law ElderLaw in West Suburban Aurora, IL.  LEL is a multi-generation law firm.

People come to me at all points of the elder care journey.  Maybe you’ve signed up for one of my free reports on retirement planning, taken a look around the site, or even read through many of my blogs.

My point is, this is about YOU.

If YOU NEED HELP NOW, you can skip all the reading.

With your free phone consultation, you’ll be able to find out (without even taking the time to sit down in my office), whether we might have some options for you to better protect yourself.

If we’re not the right place for you, we’ll tell you right off the bat!  We’ll also help you get connected with another organization who may be.

You may have received several reports to help you understand that the steps you need to take to plan for your future could mean the difference between a comfortable environment and leaving your spouse without a means of supporting herself (I’ve seen it too many times).  You can continue to read my special email reports or my blog here… they’re chock full of great information.

Now I’ve found, over time, that a lot of my clients get impatient… they want to get right to the heart of the matter.  They want to know if they’re future is protected or not… right now.  Others simply want to know the steps to take when they do decide to take action…

If that’s you, if YOU NEED ANSWERS NOW, CLICK HERE for a special offer.  

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!