Affordable Update

More affordable than even before! My legal Guide, Affordable Guide About Estate Planning and Child Protection is available on e-readers and can be found at most e-reader outlets. The best news of all is the purchase price is $30.00! It can be found here at (https://www.smashwords.com/extreader/read/655205/1/affordable-guide-about-estate-planning-and-child-protection).

Every one needs this information. Why are people going without or avoiding even the investigation of these important topics? The answer is not what you may think. One person had this to say:

I have read that the lack of Living Trusts among middle class / low SES families is due to lack of affordability and is an area that needs addressing for the benefit of individuals and society. There is much unnecessary probate court costs for families and community that is avoidable. Why do we provide judges and courts as a public expense, but not legal services to avoid court for such things?”

Educational Family Estate Apps was created as a response to this vast unmet need for legal education and social justice. At this time, there are two well – prepared (#LegalGuides). There is substantial savings to be found when you buy them for your mobile devices (as compared to the subscription price off our website).

Announcement about the release of the American Indian Probate Reform Act Legal Guide with a model Last Will and Testament is coming very soon!

Thank you.

Helen Nowlin, Attorney and CEO

American Indian Probate Guide

This downloadable pdf, American Indian Probate Guide (located at http://educationalfamilyestateapps.com/american-indian-probate/) discusses what you need to know about the American Indian Probate Reform Act. The Act applies if you are a member of a federally recognized tribe with Trust or Restricted lands!

It includes: a Model Will and Testament (compliant under the Act) and immediate access to our great Guest Writer Series, too! Get it now for $69.00 (look for our Groupon deal coming soon!).

We are an affordable legal service with the information EVERYONE needs.

Helen Nowlin, Attorney and CEO picture

An Alternative to the Indian Child Welfare Act

Quality nursing or long term care without racking up huge bills and with no long term planning?

Long term elder care in the U.S. is essentially non-existent. Well, let me qualify what I mean.

It is essentially available if you self-pay (through ‘drawing down’ savings or assets) for as long as you can afford to pay.

Alternatively, if you live in poverty or at 138% of Federal Poverty Level or depending on the state in which you reside, the government through the Medicaid program – a type of co-op between federal and state pays for you. Of course, Medicaid may pay “for you” but reimbursement or indemnity by your estate is expected to recover some of those expenses.

Lastly, Medicare imposes restrictions on coverage and doesn’t pay for a private room nor services in assisted living. Medicare was designed to cover only doctor visits (acute care). Hospitalization was historically governed by the “improvement” standard with care discontinued when it was determined the patient was not expected to improve. A lawsuit, Jimmo v. Sebelius resulted in a settlement, as approved on January 24, 2013 which removed the necessity for patient improvement. Now, patients can obtain the 100 day of hospitalization when the need for skilled care is required for maintaining the status of the patient whether or not the condition of the patient is expected to improve (improvement is a true sign of “short term” need).  Medicare stops paying for all in-bound skilled certified nursing facility after the first 100 days. Under Medicare, the first twenty (20) days of those are covered at 80% with the rest of the time covered at decreasing rates!

There are three options for long term care. First, there is Assisted Living or care outside the home for those who can still manage to do self-care. Assisted Living costs on average $3,022 per month for a private one bedroom apartment. Secondly, qualified skilled Nursing Home Facilities (NHF) provide the maximum care but can cost $7,000 or more per month. The last option is In-home care when assistants visit the home to help with caring for an in-bound loved one. Medicare will pay for part time or intermittent in-home care as long as your doctor agrees it is “medically necessary” and orders the service. AskMedicare is a service that provides information to care givers (http://www.medicare.gov/files/ask-medicare-care-for-others.pdf).

What happened? THERE IS NO MIDDLE GROUND! A fiscal and social crisis based on demand for long term care is at our door!

Private long term care insurance should be considered and purchased around the age of 50. Estate and long term planning…. consider a subscription to Educational Family Estate Apps. At $69, it is a gift which gives valuable information all year long!

http://www.educationalfamilyestateapps.com (coming soon – keep checking back for valuable offers)