Posts Tagged ‘nurses’
Saturday, December 12th, 2009 by Moore McLaughlin
Jill E. Sugarman, Esq., of McLaughlin & Quinn, LLC knows that one of the greatest fears of older Americans is that they may end up in a nursing home. This not only means a great loss of personal autonomy, but also a tremendous financial price. Depending on location and level of care, nursing homes cost between $35,000 and $150,000 a year.
Most people end up paying for nursing home care out of their savings until they run out. Then they can qualify for Medicaid to pick up the cost. The advantages of paying privately are that you are more likely to gain entrance to a better quality facility and doing so eliminates or postpones dealing with your state’s welfare bureaucracy–an often demeaning and time-consuming process. The disadvantage is that it’s expensive.
Careful planning, whether in advance or in response to an unanticipated need for care, can help protect your estate, whether for your spouse or for your children. This can be done by purchasing long-term care insurance or by making sure you receive the benefits to which you are entitled under the Medicare and Medicaid programs. Veterans may also seek benefits from the Veterans Administration.
For more information about Medicaid planning for you and your loved ones, contact Jill E. Sugarman, Esq. at 401-421-5115 or by e-mail at jsugarman@mclaughlinquinn.com.
Tags: Asset Protection Planning, assisted living facilities, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, Jill E. Sugarman, Jill Sugarman, mclaughlin & quinn, Medicaid, Medicaid planning, nurses, nursing homes, Providence, Rhode Island, seniors, social security, veterans
Posted in Asset Protection Planning, Elderlaw/Law For Life, Estate Planning
Sunday, September 27th, 2009 by Moore McLaughlin
Please join Law For Life attorney Jill E. Sugarman on Wednesday, October 7, 2009 at noon for a free education seminar on issues affecting seniors and their families. Jill will be joined by panel of experts, including Cindy Christopher of The Washington Trust Company, Joseph Sanita of the North Providence Police Department, and Bob Weber, President of Comfort Keepers in-home non-medical care.
The panel will discuss these important issues at noon on October 7 at Lancelotta’s, 1113 Charles Street, North Providence where a light luncheon will be served.
Click here for more information or call Cindy Christopher at 401-487-1004 by September 30.
Tags: assisted living facilities, Comfort Keepers, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, free seminar, Jill Sugarman, Lancelotta's, Long-term care, long-term care insurance, mclaughlin & quinn, North Providence Police Department, nurses, Providence, reverse mortgage, Rhode Island, Seminar, seniors, social security, veterans, Washington Trust Company
Posted in Asset Protection Planning, Current Events, Elderlaw/Law For Life, Estate Planning, McLaughlin & Quinn News, Seminars
Wednesday, September 16th, 2009 by Moore McLaughlin
Please join Law For Life attorney Stefanie D. Howell, from McLaughlin & Quinn, LLC for a seminar discussing the how to navigate health insurance
in retirement; long-term care and dependent care; understanding social security; using reverse mortgage to improve financial stability and; estate planning.
Jewish Community Center of RI
401 Elmgrove Ave., Providence, RI
Call 401/331-1244 to reserve your place
Click here for more details.
Tags: Asset Protection Planning, assisted living facilities, elder law, elderlaw, Elderlaw/Law For Life, Esq., Estate Planning, Jewish Community Center of RI, Long-term care, long-term care insurance, mclaughlin & quinn, nurses, nursing homes, Providence, retirement planning, reverse mortgage, Rhode Island, seniors, social security, Stefanie D. Howell, veterans
Posted in Asset Protection Planning, Current Events, Elderlaw/Law For Life, Estate Planning, McLaughlin & Quinn News, Seminars
Saturday, September 12th, 2009 by Moore McLaughlin
Please join Law For Life Attorney Jill E. Sugarman, from McLaughlin & Quinn, LLC for a seminar discussing the legal aspects of moving a parent into a child’s home. This must-see seminar will be held on Thursday, September 17, 2009 at the East Smithfield Public Library at 50 Esmond Street, Smithfield, Rhode Island at 6 p.m. Click here for more details.
Joining Jill will be:
Jean Allard, Vice President/Sales Associate at Keystone Real Estate Group
Tuie Mellor, RN/Home Health Liason Nurse, Life Care at Home
Steve St. Onge, CGR, CAPS, President, Rhode Island Kitchen and Bath
Joe Parente, Registered Financial Representative, Lighthouse Financial Group/Metlife
Valerie Topp, Chief Operating Officer, Home Instead Senior Care
Call 401-667-2923 to reserve your place for this important event. If you are unable to attend, but would like more information, contact Jill E. Sugarman, Esq. at 401-421-5115 or by e-mail at jsugarman@mclaughlinquinn.com. This event is open to everyone.
Tags: assisted living facilities, East Smithfield Public Library, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, Home Instead Senior Care, Jean Allard, Jill Sugarman, Joe Parente, Keystone Real Estate Group, Life Care at Home, Lighthouse Financial Group/Metlife, mclaughlin & quinn, nurses, nursing homes, Providence, Rhode Island, Rhode Island Kitchen and Bath, Seminar, seniors, Steve St. Onge, Tuie Mellor, Valerie Todd, veterans
Posted in Asset Protection Planning, Current Events, Elderlaw/Law For Life, Estate Planning, McLaughlin & Quinn News, Seminars
Monday, August 10th, 2009 by Moore McLaughlin
The attorneys at McLaughlin & Quinn, LLC’s Law For Life constantly strive to provide the greatest amount of relevant information to Rhode Island’s seniors and their caregivers. The following are several links to various governmental websites that can be accessed to learn more about issues affecting seniors. Bookmark this post as a reference tool. Also, look at the Resources section of the McLaughlin & Quinn, LLC website for even more links. As always, feel free to contact Attorney Jill E. Sugarman, Managing Attorney of McLaughlin & Quinn, LLC’s Law For Life with any questions you may have.
Department of Health and Human Serivces Adminstration on Aging
Administration on Aging Elder Rights Protection
Consumer Protection for Seniors
Financial Crimes Against the Elderly
National Long-Term Care Ombudsman Resource Center
Rhode Island Department of Human Services – Services for Elderly Rhode Islanders
Rhode Island Department of Human Services – Division of Veterans Affairs
You may reach Jill E. Sugarman, Esq. at 401-421-5115 or by e-mail at jsugarman@mclaughlinquinn.com.
Tags: assisted living facilities, caregivers, Department of Health and Human Services, Division of Veterans Affairs, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, Jill Sugarman, Long-term care, mclaughlin & quinn, Medicaid, Medicaid planning, Medicare, nurses, nursing homes, Providence, Rhode Island, Rhode Island Department of Human Services, seniors, veterans, Veterans Affairs
Posted in Asset Protection Planning, Elderlaw/Law For Life, Estate Planning
Sunday, August 2nd, 2009 by Moore McLaughlin
Several bills have been introduced in the United States Congress that are intended to help seniors in a variety of ways. The following is a list of some of the more prominent bills that have been introduced.
H. R. 3040
Senior Financial Empowerment Act of 2009
To prevent mail, telemarketing, and Internet fraud targeting seniors in the United States, to promote efforts to increase public awareness of the enormous impact that mail, telemarketing, and Internet fraud have on seniors, to educate the public, seniors, their families, and their caregivers about how to identify and combat fraudulent activity, and for other purposes. Click here for full text of bill.
H. R. 3098
Caring for an Aging America Act of 2009
To amend the Public Health Service Act to attract and retain trained health care professionals and direct care workers dedicated to providing quality care to the growing population of older Americans. Click here for full text of bill.
H. R. 2987
La Cura Act of 2009
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Tags: Congress, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, Jill Sugarman, legislation, mclaughlin & quinn, nurses, nursing homes, Providence, Rhode Island, seniors, United States Congress
Posted in Elderlaw/Law For Life, Estate Planning
Tuesday, July 7th, 2009 by Moore McLaughlin
The Centers for Medicare & Medicaid Services (CMS) recently issued new guidance for nursing home surveyors (inspectors), further defining and clarifying several important dimensions of care to help improve nursing home residents’ quality of life and environment. Click here for press release.
Click here for full article in the Providence Business News.
Jill E. Sugarman, Esq., managing attorney of McLaughlin & Quinn’s Law For Life states that this new guidance will encourage facilities to adopt policies and procedures that will benefit all nursing home residents in many ways. She has seen many nursing homes in Rhode Island already adopting many of these ideas. For more information on nursing homes and other elder law questions, contact Jill at 401-421-5115 ext 215 or by e-mail at jsugarman@mclaughlinquinn.com.
Tags: assisted living facilities, Centers for Medicare & Medicaid Services, CMS, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, Jill Sugarman, mclaughlin & quinn, nurses, nursing homes, Providence, Rhode Island
Posted in Asset Protection Planning, Elderlaw/Law For Life, Estate Planning
Monday, June 22nd, 2009 by Moore McLaughlin
Price and complexity are major deterrents to purchasing long-term care insurance, according to a new report by the Kaiser Commission on Medicaid and the Uninsured. The report, Closing the Long-Term Care Funding Gap: The Challenge of Private Long-Term Care Insurance, describes the results of a study of who is purchasing policies, how much they cost, and what features are included.
While long-term care insurance could potentially benefit middle-income individuals the most, current purchasers of insurance have above-average income and assets. People who shop for long-term care insurance and decide not to buy cite cost as the main reason. In 2008, annual premiums for a typical policy for a 60-year-old averaged $2,329 for an individual and $3,096 for a couple. For a 70-year-old, premiums averaged $4,515 for an individual and $6,010 for a couple.
Policy options for this type of insurance are quite complex, and when purchasing a plan consumers have to sort through many different options and insurers. Policies differ in what they cover, the daily benefit, the benefit period, and the waiting period before benefits start, among other things. According to the study, the most popular type of plan is one that pays for a comprehensive array of services with coverage amounts of up to $150 a day for 3 to 5 years, a waiting period of around 90 days, and automatic compound inflation protection of 5 percent. Lower-income purchasers tended to have lower coverage amounts and smaller benefit periods as well as less inflation protection. The study relied on expert interviews, the collection of 2008 premium data from three major insurers, and a literature review.
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Tags: asset protection, Asset Protection Planning, assisted living facilities, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, Jill Sugarman, Moore McLaughlin, nurses, nursing homes, Providence, Rhode Island
Posted in Asset Protection Planning, Elderlaw/Law For Life, Estate Planning, Tax planning
Friday, May 15th, 2009 by Moore McLaughlin
Nurses in this country are the backbone of our healthcare system. Too often they don’t get the respect they deserve. Not this week. May 6 
through May 12 is National Nurses Week. National Nurses Week traces it history back to 1953 when Dorothy Sutherland of the U.S. Department of Health, Education, and Welfare sent a proposal to President Eisenhower to proclaim a “Nurse Day” in October of the following year. The proclamation was never made. Through the years various actions were taken, culminating in 1982 when President Ronald Reagan signed a proclamation on March 25, proclaiming “National Recognition Day for Nurses” to be May 6, 1982. In 1993 the Board of Directors of the American Nurses Association designated May 6 – 12 as permanent dates to observe National Nurses Week in 1994 and in all subsequent years. May 12 is a date if significant importance – Florence Nightingale’s birthday.
Did You Know –
- There are nearly 2.9 million registered nurses in the United States.
- And, 2.4 million of them are actively employed.
- The American Nurses Association was founded in 1896
- Research indicates that advanced practice registered nurses can provide 60 to 80 percent of primary care services as well as or better than physicians and at a lesser cost.
- The January 5, 2000, edition of the Journal of the American Medical Association (JAMA) reported the results of a study which revealed patients fared just as well when treated by nurse practitioners as they did when treated by physicians.
The attorneys at McLaughlin & Quinn’s Law For Life elderlaw practice frequently hear stories about the wonderful treatment and loving care provided to our elder clients by various nurses. In particular, many of the nurses working in the nursing homes, assisted living facilities and other venues where seniors are treated provide services to the seniors above and beyond the average level of treatment.
For those of you with family members being treated and cared for by nurses, be sure to say a special thanks this week. And, from the attorneys and staff at McLaughlin & Quinn, LLC, Thank You.
Tags: Asset Protection Planning, assisted living facilities, elder law, elderlaw, Elderlaw/Law For Life, Estate Planning, Jill Sugarman, Massachusetts, Moore McLaughlin, nurses, nursing homes, Providence, Rhode Island
Posted in Asset Protection Planning, Elderlaw/Law For Life, Estate Planning