By estate planning attorney Rick Law. Rick is founder of the Estate Planning Center at Law Elder Law 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 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. Rick is founder of the Estate Planning Center at Law Elder Law in West Suburban Aurora, IL. LEL is a multi-generation law firm.
If you have a special needs son or daughter in your life, you’ve inevitably considered what would become of him or her if you were no longer able to provide care. As with all estate planning, the earlier you prepare, the better! One couple I worked with decided it was time to get around to planning for their disabled son who lived with them, since they had birthdays coming up – she was turning 89 and he was turning 92!
Sometimes when families bring in a professional caregiver for the aging parents, those same caregivers begin providing necessary services to the child with a disability. This raises new challenges for those parents and their children.
Since these disabilities will last the lifetime of the affected individual, how can a parent be assured that a disabled child is going to be taken care of, after the parent is either gone or in a nursing home?
Some attorneys recommend that you leave all your assets to another, non-disabled child and make that child the caregiver for the disabled sibling. This passing of the torch is often unfair – and in many ways ill-advised. We do not believe disinheriting is the right choice.
Of course, disinheriting the child means that you make sure that you do not leave any money to the child directly. This is part of an overly-simplistic idea that one should just leave extra money to one of the other children to provide care for the disabled child. I’ve seen too many times that this rarely works, even in the best of situations and in the best of families.
Read on in the next installment of our blog to discover more hidden traps to avoid as you plan for your special child or grandchild.
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!
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!
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
By Rick Law of the Estate Planning Center at Law Elder Law, a multi-generation law firm serving seniors, boomers, and their families in the Western Chicago suburb of Aurora in Illinois.
I recently spoke with senior victims advocate Linda Voirin, LSW. She is the victims’ advocate for the Seniors and Persons with Disabilities Unit, Office of Joseph H. McMahon, Kane County (Illinois) state’s attorney. Throughout our discussion, Ms. Voirin outlined the difficulty in prosecuting senior financial exploitation and elder-abuse cases.
We discussed how often a person is victimized because, even though they’re not technically incapacitated, they become vulnerable due to aging. All too often, they are willing to accept this abuse. It’s hard to admit and accept your frailties, so It’s a tradeoff that the abused person might be willing to make, in spite of the abuse.
Linda lamented having seen some difficult situations involving financial abuse. She recently recounted the story of a person whose grandson was living in the basement. The elderly person never went downstairs because she physically could not handle the stairs. And the grandson was downstairs dealing drugs and doing drugs. But yet, he was the caregiver.
Now that’s a very dangerous situation on many levels for this elderly person. However, the elderly person was adamant that her grandson was the only one able to keep her in her home. She was visually limited as well as physically limited. Linda told me, “We had to get a lot of care people to come in and come together to be able to begin a transition from that home. But if we had gone in and just ripped that guy out of the house and said, “That’s the end of this!” prior to putting anything in place to assist with transitions, that would have been just devastating to her. It was devastating anyway, but it certainly would have been worse and could have hastened her death.”
As you can imagine, after going through the traumatic experience of some form of abuse, the victim often feels lonely and depressed. If takes a lot of emotional and physical effort for the aged person to leave the comforts of their home and familiar surroundings and adapt to a new place. He or she will find the new environment strange and will miss the familiar. It may very well cause a decline, both physically and emotionally.
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.
“Vulnerability Due to Aging” by Rick Law of the Estate Planning Center at Law Elder Law, a multi-generation law firm serving seniors, boomers, and their families in the Western Chicago suburb of Aurora in Illinois.
I recently spoke with senior victims advocate Linda Voirin, LSW. She is the victims’ advocate for the Seniors and Persons with Disabilities Unit, Office of Joseph H. McMahon, Kane County (Illinois) state’s attorney. Throughout our discussion, Ms. Voirin outlined the difficulty in prosecuting senior financial exploitation and elder-abuse cases.
We discussed how often a person is victimized because, even though they’re not technically incapacitated, they become vulnerable due to aging. All too often, they are willing to accept this abuse. It’s hard to admit and accept your frailties, so It’s a tradeoff that the abused person might be willing to make, in spite of the abuse.
Linda lamented having seen some difficult situations involving financial abuse. She recently recounted the story of a person whose grandson was living in the basement. The elderly person never went downstairs because she physically could not handle the stairs. And the grandson was downstairs dealing drugs and doing drugs. But yet, he was the caregiver.
Now that’s a very dangerous situation on many levels for this elderly person. However, when we got involved, she was adamant, telling us that he was the only one able to keep her in her home. She was visually limited as well as physically limited. And we had to get a lot of care people to come in and come together to be able to begin a transition from that home. But if we had gone in and just ripped that guy out of the house and said, “That’s the end of this!” prior to putting anything in place to assist with transitions, that would have been just devastating to her. It was devastating anyway, but it certainly would have been worse and could have hastened her death.
As you can imagine, after going through the traumatic experience of some form of abuse, the victim often feels lonely and depressed. If takes a lot of emotional and physical effort for the aged person to leave the comforts of their home and familiar surroundings and adapt to a new place. He or she will find the new environment strange and will miss the familiar. It may very well cause a decline, both physically and emotionally.
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!
By Elder Law, Estate Planning, and Guardianship attorney Rick Law of the multi generation law firm at the Estate Planning Center of Law Elder Law in Western Suburban Aurora, IL just off of the I-88 tollway.
Seniors are often so afraid that if someone takes their son, grandson, or whatever person is serving as their caretaker, away, now they will have to go to a nursing home.
When confronted with scenarios of abuse, whether it’s financial or physical, they’ll put up with the abuse so that they can stay in their home.
A great many seniors have spent their whole lives reminding their children that they “never want to be put in a home”; a rational fear made worse by generational stories of neglect, loneliness, abuse, and an inglorious death.
Similarly, seniors who have been scammed by strangers don’t want to tell their family because they are embarrassed, but they are afraid if they do tell their adult child, the adult child would say, “Dad, you can no longer care for yourself. We need to take you to look at other living options.”
Seniors know that is a euphemism for the nursing home.
The fear of going to a nursing home is legitimate. Linda Voirin – Victim Advocate at Kane County State’s Attorney Office – states, “We are probably fast-tracking someone’s demise when we take them out of what they’ve known and where they want to be and where they need to be in their home. If that is the trade off, then we have to look at that pretty carefully.”
Voirin adds that “there is empirical evidence that when a senior has been a victim of crime, that it has hastened their death. Being a victim, because it is so disrupting in their life at a vulnerable time in their life when trust is so important, hastens their demise.” Then add the guilt of their grandson, or whoever was exploiting them, being put in jail and the stress of them moving to a nursing home—that’s a lot of stressors.
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 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!
By Estate Planning, Elder Law, and Guardianship Attorney Rick Law of the multi-generation law firm at Law Elder Law. Rick is the founder of the Estate Planning Center at Law Elder Law, serving seniors, boomers, and their families in suburban DuPage, Kane, Kendall, Will and Cook and other counties in Illinois.
Seniors with dementia are more likely to put up with financial exploitation rather than report it. They know that they are vulnerable, but they don’t want to turn in their abuser. They don’t want their child or grandchild arrested, so they’ll just put up with it.
Sometimes, the relative exploiting the senior is the only person that can help them continue to stay in their own home. Often, the senior doesn’t drive anymore and they depend on that son or daughter to take them everywhere.
The worst part is when children take advantage of the situation, thinking that money will belong to them anyway at some point, so they start using the senior’s money as their own. They move into the parent’s house and live off their parent’s social security. Sometimes they will threaten the parents with putting them in a nursing home (although they’d never do that since they are living off of their social security checks).
Oftentimes other family members will call the police and say, “I think my brother is taking advantage of my mom and I don’t like it one bit.”
More often than not, though, according to Officer Aschenbrenner, when the police talk to mom, she says, “No, I want him to live here. I’m fine.” Sometimes she will simply say, “I don’t want to make things worse than what they are.” At that point, there is nothing the police can do.
In our experience, there are too many occasions where older people will tolerate abuse because it is the lesser of two evils. That is probably the number one reason why the abuse is never reported, because the need of the senior to live at home is so great.
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 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!
National Adult Protective Services Association, “Financial exploitation occurs when a person misuses or takes the assets of a vulnerable adult for his/her own personal benefit. This frequently occurs without the explicit knowledge or consent of a senior or disabled adult, depriving him/her of vital financial resources for his/her personal needs. Assets are commonly taken via forms of deception, false pretenses, coercion, harassment, duress and threats.
These are commonly reported forms of financial exploitation reported to Adult Protective Services agencies:
By Elder Law Attorney Rick Law of the Estate Planning Center at Law Elder Law in Aurora, IL. Law Elder Law is a multi-generational firm serving the suburbs of Chicago in Illinois.
The definition of financial exploitation may vary based on your location in the US, but there are some standard, common sense red flags to watch for.
I have seen this type of abuse far too many times, so it’s always best to err on the side of caution when dealing with the finances of your family, a loved one with special needs, or an aging loved one. That’s where a qualified and experienced Elder Law and Estate Planning Attorney comes in – Law Elder Law may be uniquely qualified to help you find peace of mind.
According to the - Theft: involves assets taken without knowledge, consent or authorization; may include taking of cash, valuables, medications other personal property.
- Fraud: involves acts of dishonesty by persons entrusted to manage assets but appropriate assets for unintended uses; may include falsification of records, forgeries, unauthorized check-writing, and Ponzi-type financial schemes.
- Real Estate: involves unauthorized sales, transfers or changes to property title(s); may include unauthorized or invalid changes to estate documents.
- Contractor: includes building contractors or handymen who receive payment(s) for building repairs, but fail to initiate or complete project; may include invalid liens by contractors.
- Lottery scams: involves payments (or transfer of funds) to collect unclaimed property or “prizes” from lotteries or sweepstakes.
- Electronic: includes “phishing” e-mail messages to trick persons into unwittingly surrendering bank passwords; may include faxes, wire transfers, telephonic communications.
- Mortgage: includes financial products which are unaffordable or out-of-compliance with regulatory requirements; may include loans issued against property by unauthorized parties.
- Investment: includes investments made without knowledge or consent; may include high-fee funds (front or back-loaded) or excessive trading activity to generate commissions for financial advisors.
- Insurance: involves sales of inappropriate products, such as a thirty-year annuity for a very elderly person; may include unauthorized trading of life insurance policies.”
By Senior Estate Planning Attorney Rick Law. Managing Partner and Founder of the Estate Planning Center at Law Elder Law. Law Elder Law is a Multi-generation law firm, serving seniors and their families in Western Chicagoland.
A ruse entry happens when a scammer fakes their way into a senior’s home for the purposes of robbing them. It works best if they can catch seniors out in the yard. They may tell them that they are new neighbors and ask if they could come into the backyard just a couple of seconds and see the garden. What they’re really doing is distracting the senior while someone else comes in the front door and going straight to the bedroom to steal whatever they can.
Scammers have been know to claim that they are from the city’s water department and that they were digging in the yards and hit a line. They say they just need to come in for one minute and check out the basement. They get the senior downstairs, run water, make noise, etc. Meanwhile, the second guy is in the bedroom robbing the senior.
Another scam to be on the lookout for is the door-to-door contractor scheme. An example of that is when men show up and claim to have just finished re-roofing a garage down the street. They say they have extra materials and offer the homeowner a “great deal.” If the homeowner accepts, they will try to get paid up front and then will either do shoddy work or start the job and then disappear.
I always advise my clients to never use people who go door to door to work on the house. People who have good business reputations for house repair don’t go door to door. They have enough business as it is. Never, ever respond to solicitations by e-mail, in person, or on the phone.
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!
By Rick Law, Elder Law and Estate Planning Attorney in Aurora, IL. Senior advocates at the Estate Planning Center at Law Elder Law located on Church Rd. in Aurora, Illinois, just off the Farnsworth exit of the I-88 tollway.
Instances of financial exploitation are on the rise and senior citizens are frequent targets.
What is even more disturbing is that about 90 percent of the financial exploitation of seniors is committed by family members or people that they should be able to trust, such as caregivers.
Seniors, and especially seniors with dementia, are the perfect victims because they generally won’t report the abuse. They won’t report the exploitations for a variety of reasons, ranging from being embarrassed to fear that if they turn in their relative or caregiver they will be put in a nursing home because there will be nobody left to care for them in their home.
Amy Flynn, an elder abuse supervisor at Senior Services, states that a significant amount of the financial exploitation cases that she sees involve an abuse of a power of attorney.
Flynn notes that the majority of the cases combine financial exploitation and emotional abuse. “They go hand in hand together because an abuser will manipulate mom or dad’s emotions in order to exploit money from them. More often than not, those cases do involve some form of abuse of a power of attorney.”
In a recent elder abuse case, the daughter constantly told her elderly mother, “You were never there for me as a child. You were a horrible mother. You never bought me the things that I wanted.” The mother was suffering from dementia and the daughter convinced her to sign paperwork giving the daughter power of attorney for financial matters.
Soon after the documents were signed, the daughter used her mother’s funds to buy herself a vacation home in Florida. Likely, the daughter felt entitled to the vacation home.
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!
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!