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February 2014 Archives

Insurance, Not Injuries, May Determine Who Goes To Trauma Centers

Researchers at Stanford University looked at more than 4,500 trauma cases at 636 hospitals around the country to see what happened to critically injured patients brought to emergency rooms that aren’t designated trauma centers. They found that non-trauma centers were much more likely to admit patients who had insurance, whether it was private insurance or Medicaid coverage, than to transfer them to more skilled facilities.

The Pitfalls of Applying for Medicare

Roughly 3.65 million Americans will turn 65 this year and become eligible for Medicare. But be warned: There's nothing simple about signing up for the government's health-care insurance program.

Alzheimer’s Caregivers Face Tough Challenges

According to the Alzheimer’s Association, more than 15 million people provide unpaid care for family members or friends with Alzheimer’s disease or other forms of dementia. The strain of the task has been shown in many studies to increase the risk of a variety of illnesses, and even death.

One of the most common, distressing challenges faced by caregivers occurs when dementia patients become agitated or physically or verbally abusive, situations that are emotionally exhausting and sometimes dangerous for patients and caregivers alike.

It is vital for caregivers to take good care of themselves, she added, by exercising, eating and sleeping properly, and getting respite care when needed.

Read about the challenges caregivers in the New York Times on February 17, 2014 in article written by Jane Brody  

William Wombacher, your Central Illinois Certified Elder Law Attorney (CELA) and Social Security Disability Specialist. I'll help you!   www.wombacherlaw.com
 
Serving Peoria, East Peoria, Peoria Heights, Pekin, Dunlap, Chillicothe, Morton, Washington, Metamora, Canton, Galesburg, Lacon, Henry, Bloomington, Normal and surrounding cites and counties of Peoria, Tazewell, Woodford, Fulton and  Knox Counties in Central Illinois.


Retirement Changes: Health Care, Social Security, and Medicare in 2014

Social Security changes to note in 2014
There haven't been significant Social Security reforms introduced since 1983. Still, early retirees especially will see some differences this year. And everyone gets a cost-of-living increase to his or her Social Security check this time around. It's a small one, but upticks haven't always happened in recent years.

Why does Estate Planning seem complicated?

Estate Planning is complicated by our desire to control people and things. We sometimes use planning to encourage certain behavior which we view as desirable and to discourage behavior we don't like. Sometimes we don't give certain persons control of money or assets because we don't trust them (read we don't trust their spouse) to make the decisions we would like see made. Sometimes we have very good reasons as our potential beneficiaries may have problems with drugs, alcohol, gambling or controling their spending.  They may be disabled due to cognitive or mental health programs. We may just want to control things because because we are a very controlling person who always wants things done their way. I have had clients who wanted to make it very difficult for their children to ever be able to sell the family farm. Clients want to save on estate taxes and we create trusts with some very specific limitations which the IRS tells us will allow the primary beneficiary not to have to include the value of those assets in their estate for estate tax purposes.  So is all that control needed? Sometimes yes--sometimes no.  Think about how much control you really need.

William Wombacher, your Central Illinois Certified Elder Law Attorney (CELA) and Social Security Disability Specialist. I'll help you!   www.wombacherlaw.com
 
Serving Peoria, East Peoria, Peoria Heights, Pekin, Dunlap, Chillicothe, Morton, Washington, Metamora, Canton, Galesburg, Lacon, Henry, Bloomington, Normal and surrounding cites and counties of Peoria, Tazewell, Woodford, Fulton and  Knox Counties in Central Illinois.