1 mile west of the Chicago Premium Outlet Mall (800) 810 3100
By Rick Law, Elder Law Attorney at the Estate Planning Center at Law Elder Law.  The multi-generation law firm of LEL serves seniors, boomers, and their families in Kendall, Kane, DuPage, Will, Cook and other counties in Illinois. The world was different in 1965. I remember most of the aged poor of our community went to the county home for the aged and infirm. Most men died before the age of 65, and women before the age of 70. There were few long-term care facilities, because few were needed. Today we have millions of people with long-term care needs. Many US citizens assume that Medicare is their right. They assume that the health reimbursement program provided by the United States government on behalf of persons who are over the age of 65, blind, and/or disabled has always been there, and always will be.  But this is not the case.   Instituted in July of 1965, The Medicare-Medicaid Act was part of a number of reforms implemented by President Lyndon Johnson and the Democratic majority, marking a major shift in our societal view of who should carry the cost of providing medical care for senior citizens. President Johnson stated: “No longer will older Americans be denied the healing miracle of modern medicine. No longer will illness crush and destroy the savings that they have so carefully put away over a lifetime so that they might enjoy dignity in their later years. No longer will young families see their own incomes, and their own hopes, eaten away simply because they are carrying out their deep moral obligations to their parents, and to their uncles and their aunts. And no longer will this nation refuse the hand of justice to those who have given a lifetime of service and wisdom and labor to the progress of this progressive country.” Medicare was built on a 1965 acute care model, designed to provide healthcare for the individual who has a probability of recovering from his or her disease. Medicare is not designed to pay for long-term care. Medicare was designed to ‘care’ about acute medical care; heart disease, gall stones or cancer. Medicare does not ‘care’ about diagnoses such as Parkinson’s Disease, Alzheimer’s, dementia, or long-term mobility problems. If you need long-term care, then you have lost the “diagnosis lottery”. If you need care in an assisted living facility or a nursing home, your care is not acute but long-term, and Medicare stops ‘caring’ about you. As soon as Medicare stops ‘caring’, you are on your own! You will need to have a substantial long-term care insurance plan, a deep pocket-book, or become impoverished. If you are impoverished as defined by the Medicaid program, then you will meet Medicare’s ugly sister, Medicaid.  And that is a whole other story. 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 Elder Law, 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!
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By elder care attorney and senior advocate Rick Law, founder and managing partner of the multi generation law firm of Law Elder Law, serving seniors boomers and their families in West suburban Aurora in Illinois. It is believed that caregiving has detrimental health and psycho-social consequences for caregivers. People frequently hear stories of the healthy wife taking care of her husband who is suffering from dementia. Often, when the husband finally passes, the wife’s health takes a quick downturn and she passes soon after. Being a caregiver, especially for a loved one, takes a toll. Caregivers are more likely to suffer from poorer physical and mental health than non-caregivers. Because of this burden, the family lawyer (or the lawyer in the family) is going to see more and more caregivers who want to create personal-care contracts that specify that the caregiver will agree to help the elderly person for a set amount of time in exchange for an hourly wage for these services. After the death of the affected loved one, lack of a personal-care agreement often leads to an estate administration problem. Many states provide a legal basis for an uncompensated caregiver to file a claim against the estate. The decedent’s creditors, provided they have an allowed claim, generally will be ranked ahead of the beneficiary when it comes to collecting on a claim. If the family caregiver does not have a personal-care contract, the caregiver will have a hard time establishing a status as a creditor with an allowed claim. In fact, many states’ dead man’s statute, which makes any testimony showing that the decedent entered into an express oral contract inadmissible, will stop caregivers in their tracks if they do not have a written contract. Even if caregivers are able to imply an oral contract existed, they are faced with the common-law presumption that the services were rendered gratuitously. It is possible to rebut this presumption, but it is a difficult road. Some states are recognizing this problem and addressing the needs of the family caregiver. The Illinois Probate Act permits family members who live with and care for a “disabled person” to file a claim for reimbursement in probate court upon the disabled person’s death. 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 Elder Law, 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!
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By Rick Law, elder law estate planning attorney, and founder of the multi-generation law firm at Law Elder Law.  LEL is home to the Estate Planning Center at Law Elder Law in Aurora, IL. Personal-care agreements are important for the person receiving the care, but they are also important for the caregivers. Individuals that take on long-term-care duties often see a decrease in earning potential and frequently have to cut into their own savings to provide for the person they are caring for. Caregivers usually cannot afford to quit their nine-to-five job, but they may be forced to cut back their hours in order to care for an elderly parent. These caregivers often put their own retirement at risk to care for a parent. A 2009 national survey of caregivers showed that over half of the responding caregivers reported a medium to high level of burden. A 2010 national survey of the full-time workforce also came to the conclusion that individuals who were employed full time and who also had caregiving responsibilities suffered from lower well-being than those without such responsibilities. Extensive data about the characteristics of caregivers and care recipients is available from an in-depth survey of a nationally weighted sample of caregivers providing assistance to persons people aged 50 and or older conducted in 2009 by the National Alliance for Caregiving and the AARP, Nat’l Alliance for Caregiving, Caregiving in the U.S. 2009: A Focused Look at Those Caring for the 50+ (2009), in which surveyed caregivers were more likely to report a high level of burden if they were primary caregivers, they were older, they were in fair or poor health, they were not employed, they had lower incomes, or the care recipient lived with them, id.; the survey used an index to measure the burden of care based on the number of hours of care per week provided and the number of instrumental activities of daily living performed. The survey, conducted by Gallup and Healthways, used an index consisting of six areas—life evaluation, emotional health, physical health, healthy behavior, work environment, and basic access to necessities—to measure overall well-being. 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 Elder Law, 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!
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By Rick Law, elder care attorney and estate planner at the Estate Planning Center of Law Elder Law in Aurora, serving Kane, Kendall, DuPage, Will, Cook, and other counties in Northern Illinois. Almost every day I learn more about the subtleties and surprises within the elder care journey. At Law Elder Law we often work with families who have a loved one affected by some type of dementia. About 7 years ago, I had the opportunity to hear University of Pennsylvania neurologist Dr. Jason Karlawish speak to a group of lawyers about clients who may have Alzheimer’s disease or some other type of dementia.  As we non-medical people observe folks with memory loss, we assume that the individual is losing his or her memory on a constant downward sliding path.  According to Dr. Karlawish, however, that is not the right way to think about memory loss. Dr. Karlawish taught me that I need to change the way I look at memory loss.  He helped me understand that different brain functions are affected with differing rates of decline. “Attorneys are linear thinkers. You are trained to think in a linear and logical fashion, and so you believe that if your clients can give the correct answer to a fact based question, then they are still capable.  You assume that if they know that 2+2=4, then they are capable of managing their affairs.” He shook his head and stated, “Nothing could be further from the truth.” It turns out, someone who is suffering from dementia can retain their linear thinking, but lose their ability to comprehend the consequences of what that answer means. As I listened to him speak, it hit me that this was exactly what was happening with one of my clients. This client was responsibly caring for his wife, but the family was continually calling to tell me that “Bill” was making foolish decisions with money, and it was running out at a frightening rate. But when Bill came into my office, nothing seemed to be wrong; he drove himself, he brought his accounting books and we would go over his records together. He seemed capable of handling all his affairs because he gave me all the right answers. Nonetheless, within the next day or two he would do something as bizarre as hiring an $800 ambulance service to get his wife to her weekly hair appointment. Suddenly I realized that although Bill was able to tell me how much was in his bank account, he could no longer understand the meaning of those numbers. 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 Elder Law, 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!
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By Estate Planning and Elder Law Attorney Rick Law of the Estate Planning Center at Law Elder Law.  LEL is a multi-generation firm serving seniors and their families in Aurora, IL just West of Chicago off of the I-88 tollway.   An all too familiar phone call came into our office the other day: “My mom is elderly and ailing, and my siblings and I need advice on how to help her.  Our folks have a decent monthly income and assets, but the nursing home costs are three times that much! Nobody made any plans for this. My parents never expected to live this long. We don’t know what to do.  I can’t have them live with me. Help me, please!” Nobody enjoys the feelings of hopelessness and impending doom brought upon by this kind of situation. But “We don’t know what to do!” is just the beginning of the journey for the concerned family. Often we get this phone call from the child or spouse caretaker because the person in need of care isn’t ready to admit yet that they need help.  We can’t force a parent to get assistance, but we can be the “voice of authority,” to tell them when it’s time to start letting go and facing reality.  It is our job as elder law attorneys to help our senior clients–and those who love them–make those tough end-of-life and long-term care decisions The call from the kids has several possible motives, and more specifically, several underlying emotions:
  • Love and responsibility: to provide the best care for mom or dad with the least destruction of their assets during their lives.
  • Seeking relief: the need to lift the care and cost burden off the caregiver, who may be the caller himself or another loved one.
  • Fear of loss: the desire to conserve the benefits of the parental assets, either during the parents’ lives or at the time of their deaths.
  • Greed: the desire to get access to the parents’ assets so the assets will not be “lost.”
  • Confusion: Looking for a source of care and comfort at a time of great emotional and financial stress.
  • Guilt: for not being able to do more for a needy parent, spouse, or other loved one.
  • Shame: one man recently said to us, “I just can’t believe that I have to put the love of my life in a nursing home.”
  • Anger: “Why did my parents not plan better?” “Why me? My siblings never help me take care of dad.” “I wish he would just die.”
  • Frustration: over conflict with declining parents.
  • Self-preservation: worry about how much of their own limited resources must be used to provide parental care.
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 Elder Law, 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!
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By Rick Law, J.D. founder of the Estate Planning Center at Law Elder Law.  Rick and daughter/attorney partner Diana Law are part of the caring team at Law Elder Law. Serving seniors, boomers, and their families in West suburban Chicagoland in Illinois. It is not uncommon, when talking to a man about the possibility of old age decline, to have him say things such as:
  • “My dad died at sixty of a heart attack–I’m sure I’m not going to live any longer than that.”
  • “I won’t rust out, I’ll burn out.”
  • “Before I’ll go to a nursing home I’ll put the muzzle of a gun in my mouth!”
  • “I’m gonna keep going until one day I just drop in the harness.”
According to a survey conducted by the New York times, nationwide evidence tells us that the long-term care burden overwhelmingly falls on the women of the family.  In their youth men are generally physically stronger than women, but as they age they decline more quickly.  Compounding the problem, men often cling to a machismo that causes them to deny their own mortality and to under-appreciate the catastrophic burden that old-age frailty will place on their wives or children. It seems to be a natural part of being male to assume that bad things happen to other people, not to yourself.  The result of this attitude is that the women of the family are faced with caring for more and more frail men who have either refused to purchase long-term care insurance, or refused to modify their lifestyles to minimize the possibility of chronic illness.  Women are forced to exhaust their own financial and physical resources to care for their men. By the time the first spouse dies, the caregiver spouse is often depleted both physically and financially.  She has no reserves as she faces her own long-term care crisis. As elder law and estate planning attorneys, we strive to help rescue the embattled caregiver.  Survivor spouse preservation is one of our key goals when working with a couple to plan ahead, and those who are already faced with nursing home challenges. At Law Elder Law, we recognize the contribution of the women who carry the burden of their own parents, their husbands’ frail parents, and/or their own husbands. 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 Elder Law, 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!
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By Elder Law Attorney Rick L. Law. Rick is the founder of the multi-generation estate planning and elder law  office of Law Elder Law, serving Kane, Kendall, and DuPage counties in Illinois. The caregiver’s bookkeeping service is an invaluable tool that can help ensure that the caregiver is able to accurately record time and expenses. It is a good idea to have the caregiver come in after a month to review the logs.  This will also help to ensure that that the caregiver is keeping proper records. If the personal care agreement is later challenged in court, the caregiver’s logs will need to be reasonably precise, accurate, and timely.  Better safe than sorry, right?  At least in this instance, there is someone there to do the work for you, and provide another set of checks and balances so you can rest knowing that your loved one is getting the best possible care. At some point after a personal-care contract has been created, people receiving care will continue to decline as they move through the Alzheimer’s care journey. Unfortunately, the majority of those individuals will exhaust their personal resources and be compelled to apply for nursing home Medicaid benefits. The Medicaid application process will include the state agency questioning the payments that were made to the caregiver. If the personal-care agreement is not drafted correctly, or proper records were not kept, clients could end up with costly penalty periods of ineligibility for Medicaid benefits during which they need to pay for care. Without appropriate evidence, which usually is provided by contemporaneous logs of daily caregiving services, a caregiver could be accused of being an elder abuser. 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 2008-2016 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 Elder Law, 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!
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By Rick Law, J.D., founder and managing partner at the multi-generation law firm of Law Elder Law, home of the Estate Planning Center at Law Elder Law in Aurora, Illinois. Is your caretaker being compensated appropriately for their services? It is important to demonstrate that the caretaker is being paid fair market value, particularly if the caregiver is a relative or friend. Documentation will help fight the presumption that the arrangement is a scheme to cheat Medicaid by passing the senior’s assets to a relative or friend. If adult-child caregivers have moved the affected loved one into their home and need to make some changes within the home, then these changes must be documented as medically necessary if funds for the remodeling will be taken from the elder’s accounts. In addition, caregivers should be advised by the lawyer regarding the extent of authority provided to them for the expenditure of funds.  It does happen that family members serving as caregivers and agents under powers of attorney rationalize an expansion of their authority to dip into the resources of the elder. Your lawyer should provide clear and simple written letters of instruction to the parties involved in a personal-care agreement. For people with Alzheimer’s, the care plan recommendation will state that the caregiver is needed for health care, hygiene, welfare monitoring, nutritional management, and assistance with various activities of daily life. The recommendation will typically end with the statement that “without this care, the patient would require care in a nursing facility.” Most family members are not licensed health-care professionals. A licensed health-care professional, such as a medical doctor, physician’s assistant, or other qualified individual, needs to be in charge of the case management and serve in an oversight capacity. 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 Elder Law, 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!
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By Estate Planning Attorney Rick Law.  Rick and his daughter Diana are the lead attorneys at Law Elder Law in the West Chicagoland suburb of Aurora, IL, just off of the Farnsworth exit of the I-88 tollway. A qualified and experienced elder law attorney will customize a personal-care agreement for your loved one as much as possible to make it a powerful document that will stand up to potential legal challenges. A generic contract that simply states that the elder is being provided care is not going to stand up to the scrutiny of either the state’s Medicaid department or the Department of Veterans Affairs. The affected loved one may need to qualify for public benefits; therefore, compliance with the often unfathomable regulations of the Medicaid department and Veterans Affairs must be taken into consideration. This includes specific items to clearly demonstrate what activities of daily living are being provided. Personal-care agreements should incorporate the elder’s answers to questions like, “What do you like to eat? What do you hate to eat? Would you like to rise early or sleep in? How often do you wish to have your hair done?” This level of personalizing the care contract can give a much more persuasive argument if the contract is later challenged. Sample daily log sheets so that the caregiver can record activities on a daily basis should be included by your attorney. Refer the family to a bookkeeping and payroll service to handle the appropriate and timely employment and tax-return filings. On occasion the affected loved one has an adult child who is a nurse, occupational therapist, or other licensed health-care professional who is legally qualified to do more health-care than a typical layperson. In those situations, it is important to draft those health-care details into the agreement so as to provide a legal and contractual basis for a higher level of compensation than could be paid to a nonprofessional. The typical nonprofessional caregiver will be compensated based on the normal regional private-pay rate for a non-skilled in-home care provider. A professional may be compensated at a professional rate for performing a care service within that person’s scope of expertise. It will always be necessary to keep proper records noting the hours worked, as well as the type of care given during those hours. 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 from 2008-2016 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 Elder Law, 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!
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By Rick Law, elder law and estate planning attorney at the Estate Planning Center at Law Elder Law, a multi-generation law firm serving seniors, boomers, and their families in the Chicago suburb of Aurora, IL. Alzheimer’s disease has no known cure, and managing its’ effects daily is a guessing game at best. The Alzheimer’s care journey can be long and scary and fraught with perils.  But a qualified and experienced elder law attorney may be able to assist in creating a care plan that is properly suited to all those involved. As the affected loved one’s care needs increase, your elder lawyer will understand how best to draft personal-care agreements and how to review assisted-living facility and nursing home contracts. The invisible obstacles that confront lawyers and their clients when drafting a personal-care agreement among family members and the hidden traps within many standard nursing home contracts are often revealed as the full extent of one’s diagnosis is revealed. The first stage of this journey, “memory loss ignored,” does not mean that loved ones are ignoring the senior’s memory loss. The person affected, as well as the loved ones, may be dismissing the memory loss as part of the aging process. An individual in the early stages of Alzheimer’s is often in good physical health, which makes it much easier to dismiss the occasional lapses in memory. The person feels good, looks good, and makes perfect sense most of the time. Affected loved ones are often on a similar journey. A woman received a phone call from her grandmother asking her how to make spaghetti. The grandmother had been making spaghetti for more than 50 years, but now her memory was failing her in simple daily tasks. The woman visited her grandmother and was shocked to see the messy condition of the home and her grandmother’s personal appearance. Even more surprising was her grandfather’s state of confusion. Clearly, both of them were in need of assistance, but neither one was willing to ask for help. 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 Elder Law, 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!
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