1 mile west of the Chicago Premium Outlet Mall (800) 810 3100
By Rick Law, senior advocate and Elder Law estate Planning attorney in the Western Chicago suburb of Aurora, in Illinois.  Rick is the founder and managing partner of the Estate Planning Center at Law Elder Law, a multi-generation law firm serving Kane, DuPage, Kendall, Will and other counties in Northern Illinois. Potential rate hikes in the ACA may be coming in 2017.  The problem? They may not want you to know about it. According to ratereview.healthcare.gov, twenty-eight states have disclosed rate proposals to the public as of Monday. Several of those states, including Indiana, Oregon and Washington, also post the information on their insurance websites. Some of the filings contain trade secrets that are blacked out but rate information is available. Rate proposals for Illinois, however were not included and won’t be released until August 1st of 2016. States like Illinois have limited ability to push back against insurers.  That said, there is some precedence for pushing back against proposed rate increases. Find out what’s in store here: http://www.chicagotribune.com/business/ct-obamacare-2017-rates-0614-biz-20160613-story.html 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!
0

By Rick Law, elder law and estate planning attorney at the multi-generation firm of Law Elder Law.  LEL is the home of the Estate Planning Center at Law Elder Law, senior advocates in Western Chicagoland. “Dementia” is a term that brings to mind a pleasantly confused, grandmotherly figure – sweet, gentle, and very compliant. But what happens when an already misfiring mind responds chaotically to the world around it, veering drastically from the peaceful path? Dementia presents itself differently in different people. Untreated mental illness, undetected substance abuse, and personality disorders can all result in dementia presenting itself in a frenzied manner. There is a very common condition among healthy babies called colic. Wikipedia defines colic as “a condition in a healthy baby in which it shows periods of intense, unexplained fussing/crying lasting more than three hours a day, more than three days a week, for more than three weeks.” Let us consider a person suffering from dementia that manifests itself in a colic-like condition. For explanatory purposes, Shay Jacobson, President, CEO Life-Care Innovations calls this condition “Colicky Dementia.” Colicky Dementia is unpredictable, inconsolable, and results in disproportionate behavior reactions to the reality of the individual’s environment, inner health, and caretaking. The individual exhibits a chronic state of anxiety, panic, and circular thinking that lasts for periods exceeding three hours a day, more than three days a week, for more than three weeks. This condition ensnarls the individual in a continuous fight-or-flight response with their caregivers and environment. Individuals react with fear and panic when they feel unsafe, uneasy, or not in control. Since they cannot communicate normally with those who care for them, they react with escalating and circular panic. They resort to undesirable behaviors such as shouting, biting, crying, and hitting. This is more than a nuisance to the caregiver, as it leads to serious caretaker stress. Caregivers dealing with individuals suffering from this condition are faced with an unrelenting assault upon their own mental health. The resulting impact on caregivers includes depression, exhaustion, anger, major illness, isolation, and chronic health problems. 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!
0

By Rick Law, Medicaid crisis planner, Estate and Elder Law attorney at the Estate Planning Center at Law Elder Law.  Senior Advocates in Western Chicagoland in Illinois. Medicare supplement insurance fills the “gaps” between Medicare benefits and what a person must pay out-of-pocket for deductibles, coinsurance, and copayments. Medigap policies are sold by private insurance companies that are typically licensed and regulated by their state Department of Insurance. These policies only pay for services that Medicare deems as medically necessary, and payments are generally based on the Medicare-approved charge. Some plans offer benefits that Medicare does not, such as emergency care while in a foreign country. In Illinois, all policies sold after June 1, 2010, must offer hospice coverage; while preventive services and in-home recovery benefits are no longer sold. Illinois requires Medigap companies to sell a person a policy—even if that person has health problems—provided that the person is at least 65 and applies within six months after enrolling in Medicare Part B, or is turning 65 and have been on Medicare due to disability previously. During this open enrollment period, a company must allow a person to buy any of the Medigap plans it offers. A person can use the open enrollment rights more than once during this six-month period. Lawyers should investigate which policies are offered within their jurisdiction. For example, people may change their minds about a policy they bought, cancel it, and buy any other Medigap policy within six months of enrolling in Medicare Part B. Although a company must sell a policy during the open enrollment period, it may require a waiting period of up to six months before covering any preexisting conditions unless a person has had other health coverage (“creditable coverage”) for at least six months on the day of applying. Preexisting conditions are conditions for which a person received treatment or medical advice from a physician within the previous six months. An individual’s right to open enrollment is absolute beginning with enrollment for Medicare Part B, even if a person waits for several years after becoming 65 to enroll in Medicare Part B because of continued employment or other reasons. Illinois residents under age 65 who receive Medicare because of disabilities have the same open enrollment rights as seniors. A person under 65 who qualifies for Medicare because of disabilities and who applies for a Medigap policy within six months after enrolling in Medicare Part B has a six-month open enrollment period beginning the day of enrollment in Medicare Part B. Individuals can typically return their Illinois Medigap policy within 30 days after receiving it and get a full refund with no questions asked. 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!
0

By estate planning and elder law attorney Rick Law of the Estate Planning Center at Law Elder Law, located in Aurora, IL. One problem commonly encountered when someone needs to apply for nursing home Medicaid assistance is that many people have not signed up for Medicare Part D at its inception. It’s often the case that the cost of the insurance was more than they were paying for drugs at the time. There was a specific enrollment period and many people simply did not enroll. A nursing home resident who is applying for Medicaid must have a Medicare Part D plan in order to have their pharmacy costs covered. There is open enrollment to a nursing home resident, but the family must work with a social worker or go to the Medicare website and enroll the resident. Copayments, deductibles, and the infamous “donut hole”  are waived when the individual is dual eligible—enrolled in both Medicare and Medicaid. So do people who have not yet enrolled in a Medicare Part D plan need to do so if they are applying to receive Medicaid benefits for nursing home costs? Not so fast. If they did not enroll in Medicare Part D because they have insurance coverage as part of their pension plan and drug coverage is part of their supplemental coverage through that plan, this can cause a very interesting dilemma. If they applied for a Medicare Part D plan, the insurance company would discontinue all coverage under the pension plan. In several instances, the nursing home resident was the husband, and if he enrolled in a Medicare Part D Plan, the company was not only dropping him from coverage, his wife would lose her insurance coverage as well. This can happen under very good insurance plans from reputable companies. So what are the options? Don’t enroll in Medicare Part D and just continue to use the pension plan and pay copays and deductibles? Drop the insurance and buy Medicare supplement plans along with the drug plans for both husband and wife? Neither seems very appealing. However, for those who chose option one, they could deduct any amount they paid for the drugs from whatever they were contributing from the income portion. Problem solved? Maybe, but what if they didn’t have any income contribution? Each family’s situation is different and it is important to be able to discuss options with a qualified Elder Law attorney. 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!
0

By Rick Law of Law Elder Law in Aurora, IL  Serving seniors in Western Chicagoland with estate planning, asset protection, retirement income, and elder law.   Anyone who is eligible for free Medicare hospital insurance (Part A) can enroll in Medicare medical insurance (Part B) by paying a monthly premium. An individual who is not eligible for free hospital insurance can buy medical insurance, without having to buy hospital insurance, if that person is age 65 or older and is:
  • a U.S. citizen or
  • a lawfully admitted non-citizen who has lived in the United States for at least five years.
Part B helps pay for doctor services and many other medical services and supplies that are not covered by hospital insurance. Under Original Medicare, if the Part B deductible applies, a person must pay all costs until that person meets the yearly Part B deductible ($140 in 2012) before Medicare begins to pay its share. Then, after the deductible is met, the person typically pays 20 percent of the Medicare approved amount of the service, if the doctor or other health-care provider accepts assignment. There is no yearly limit for what a person pays out-of-pocket. Individuals who have Medicare Parts A and B can join a Medicare Advantage plan. Medicare Advantage plans are offered by private companies and approved by Medicare. Medicare Advantage plans generally cover many of the same benefits that a Medigap policy (discussed below) would cover, such as extra days in the hospital after having used the number of days that Medicare covers. Part C plans are available in many areas. People with Medicare Parts A and B can choose to receive all of their health-care services through one of these provider organizations under Part C. Medicare Prescription Drug Plans (Part D) Anyone who has Medicare hospital insurance (Part A), medical insurance (Part B) or a Medicare Advantage plan (Part C) is eligible for prescription drug coverage (Part D). Joining a Medicare prescription drug plan is voluntary and requires an additional monthly premium for the coverage. Some beneficiaries with higher incomes will pay a higher monthly Part D premium. Part D helps pay for medications that doctors prescribe for treatment. 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!
0

By Rick Law of the Estate Planning Center at Law Elder Law in West suburban Kane County in Illinois. As I’ve discussed in the past, Medicare is concerned about care only as long as a person can get well. There are a few exceptions to that, due to political lobbies that were strong enough to make changes. For instance, Medicare cares for people who have amyotrophic lateral sclerosis, or Lou Gehrig’s disease, and about people with chronic renal failure. Why? Because these diseases or conditions had a big enough lobby to get the Medicare law changed. Medicare does not care about Alzheimer’s disease and was never designed for long-term care. The benefit of Medicare Hospital Insurance ( Part A) is that it helps pay for inpatient care in a hospital or skilled-nursing facility (following a hospital stay), for some home health care, and hospice care. According to the Centers for Medicare & Medicaid Services publication “Medicare & You”, Medicare covers 100 percent of medically necessary home health care services, but the individual pays 20 percent of the cost for medical equipment. Medicare covers hospice care once a doctor certifies an individual as terminally ill with six months or less to live. Coverage here includes drugs and medical costs, including equipment and services. Medicare usually does not cover things like spiritual and grief counseling. As of 2014, these were some of the things Medicare may help cover for those who are eligible:
  • An individual pays nothing for hospice care, but does pay up to $5 per prescription for outpatient drugs and 5 percent of the costs for inpatient respite care.
  • The individual pays a deductible of $1,156 and no copayment for the first 60 days each benefit period, $289 for days 61 to 90 each benefit period, and $578 per “lifetime reserve day” after day 90 each benefit period (up to 60 days over a lifetime).
  • Individuals pay all costs for each day after the lifetime reserve days.
  • Inpatient mental health care in a psychiatric hospital is limited to 190 days in a 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 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!
0

By Elder Law Attorney Rick Law.  Senior Advocate and Managing Partner at the Estate Planning Center at Law Elder Law in West Suburban Aurora, Illinois. The very basic level of care is called “routine level of care”, which is the absolute minimum that Medicare expects a hospice to do.  That’s the very basic level of care  where a patient can be seen anywhere from daily to every 14 days by the nurse, a certified nursing assistant, the chaplain, or a social worker. The next level is called “respite care.” Normally, seniors don’t qualify for skilled nursing care unless they’ve been in an acute-care hospital for at least 72 hours. The exception to that is hospice, for a patient living at home when the person caring for them becomes injured or sick or perhaps when there’s a fire in the house. The hospice will pay for that patient to be transferred to a nursing home and the hospice will pay for five nights at that facility while they sort out the situation. Or, let’s say they’re living at home with a daughter or son who needs a break. The hospice can bring the ill person to a nursing home, and that’s one of the rare times that Medicare will pay for nursing home care without that initial acute-care hospitalization stay. The third level of care is “continuous care” or “comfort care.” This is the most financially risky area of care for the hospice agency because it enables putting a nurse at the bedside to manage pain symptoms and end-of-life care. There are very specific criteria— certain combinations of nursing home hours versus CNA [certified nurse assistant] hours. There are only so many hours per every 24-hour period that a patient receives care in order for the agency to be reimbursed. If they are off by even 15 minutes, the hospice may not get paid. But some hospices provide that level of care because it enables their patients to die at home. There are few agencies that do that. The highest level of care is called “general inpatient care.” That is done in a facility where there’s a registered nurse on the premises at all times—a Medicare-accredited hospital setting or skilled nursing facility. It’s the only time that Medicare allows the hospice to pay room and board in a skilled area. There are very specific criteria to qualify. An example would be somebody at home who is not doing well, but they would like to be around when their grandson comes home from college for a final goodbye. The decision might be made to take them to a hospital or nursing home to start an IV to get some hydration going and help make that wish come true. Those are the four levels of care. All hospices do the routine level of care. Most will do respite care because there’s no financial risk involved. There are very few hospital-based hospices that do all four levels. It is very important to interview different hospice options to ask them what levels of care they will provide. 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!
0

By  Attorney Rick Law, Managing Partner at the Estate Planning Center of Law Elder Law in the Western Chicago suburb of Aurora, IL. Carolyn Peterson is an RN who has worked as a nurse for 43 years. Seventeen years ago, she began to focus exclusively in the area of hospice care. She works for an organization that provides care for the dying and incurably ill.  I recently talked with Carolyn about hospice care and found out some surprising truths that most people don’t know. Q: RNs have the capability of working in almost any area of medical care. What attracts you and keeps you working with hospice? A: I think it’s the humanity of the work. RNs enter a person’s life at a time when the rest of the medical community seems to have abandoned them. When people get to the point in their illness where it can’t be fixed, a lot of the medical community kind of give up on them. Many times when nurses first meet a patient or family, they might be the first one to have explained what’s going on in terms of their disease and that, truthfully, there is no more treatment available except hospice. It takes quite a bit of finesse and compassion, and when a nurse has these conversations there are no do-overs. Q: Would you explain about the composition of a hospice team? A: Medicare dictates who must be a part of the interdisciplinary hospice team. The top person is the medical director, who is an employee of the hospice and must be a doctor who is board certified in hospice and palliative care (relieving and preventing suffering). There must be a nurse case manager, a non-denominational chaplain, and a social worker. Q: In a typical month, how many different patients or clients are cared for by a team? A: Many hospice teams service 12 to 13 new families per month. Q: What are the typical services that one could expect to find provided by a hospice on a per-day basis, and who pays for it? A: Medicare Part A pays for hospice care at 100 percent. It does not require any supplemental insurance, because the Medicare hospice benefit covers it. Medicare provides for four different levels of hospice care. Some companies provide all four levels of care even though two of the levels can be financially risky (not profitable). Medicare reimbursement is fixed at a maximum dollar amount, regardless of the level of care provided by a hospice. 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 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!
0

By Estate Planning Attorney Rick Law, Senior Advocate and Elder Law Attorney at the Estate Planning Center at Law Elder Law. Wanda came into our office to discuss her estate plan… We spent close to two hours going over all of her wishes relative to her finances, her legacy, and, finally, her views regarding life-prolonging treatments that were incorporated into her health-care power of attorney. She had been accompanied to this meeting by her daughter whom she had chosen to be her executor, her trustee, and her agent under her power of attorney for property and health care. All seemed to be going well until reviewing Wanda’s wishes relative to life-prolonging treatments and end-life decision making.  At that point the daughter (Wendy) suddenly stated, “No Mom, I could never direct a physician to withhold or remove life support.”  Wendy was expressing her very strong religious beliefs regarding the sanctity of life and her church’s definition of ordinary health care. Wanda was outright stunned that her daughter would not fulfill her wishes regarding end-life decisions. She realized that certain adjustments needed to be made in her health-care decision-making process and eventually she chose a different person to make the final life-prolonging decision. It is important for anyone involved in the planning process to understand not only how their chosen agent may respond to their view on end-life treatment but also the position of the health-care provider. There are many charitable, religious hospitals and nursing homes that will not fulfill patients’ desires relative to end-life decision making. In the event that a health-care provider is unwilling to comply with the legitimate end-life decision making elected by a patient and/or agent under the health-care power of attorney, they should request that the client be moved to a different facility that is willing to fulfill the client’s wishes relative to end-life decisions. 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. 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!  
0

By Estate Planning Attorney Rick Law.  Senior Advocate and Elder Law attorney at the Estate Planning Center of Law Elder Law. Located in Aurora, IL, Law Elder Law provides wills and trusts, estate planning, litigation, probate, guardianship services, and much more. It is important to understand when planning that you can appoint multiple agents. For example, someone who is in the early stages of Alzheimer’s may wish to appoint one person to take care of finances (power of attorney for financial matters) and another to take care of personal and health-care decisions (power of attorney for health care). Family members typically act as the agent(s), but some people choose to ask a close friend to serve as their agent. Whomever you may pick as an agent, it is critical to pick someone that you really trust.  It is imperative that your agent be on board with the decisions that you have made regarding organ donations and life support. Life support certainly is the crux of a durable power of attorney for health care. There are many examples of cases in which the appointed agent has refused to follow through on the direction provided by the principal. This often involves cases in which the principal does not want life support and the agent is incapable of removing life support. Frequently, this happens when a parent appoints a child to serve as agent. Often, people are pressured to pick a family member, but that family member may not be the right choice for religious, moral, or other reasons. The family member may not be willing to follow the wishes of someone who did not want life support. That is an example of choosing the wrong power of attorney agent. If you’re ready to get your ducks in a row, 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 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!
0