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Heritage Law Office Blog

Why Should You Engage in Estate Planning?

Posted by Brad Sarkauskas | Dec 02, 2019 | 0 Comments

When it comes to establishing wills and estate plans, older Americans outpace their younger counterparts. Still, a significant number — 19 percent of those over age 72 and 42 percent of those between 53 and 71, according to survey data — lack any type of estate plan.  Although managing these d...

Genetic Testing Scams are a New Type of Elder Fraud

Posted by Brad Sarkauskas | Nov 25, 2019 | 0 Comments

An alert has been issued by the US Department of Health and Human Services Office of Inspector General about a fraud scheme that involves genetic testing. The warning is for Medicare beneficiaries across the nation, and the federal government is working with law enforcement to put an end to the...

A Family Connection Helps with Healthy Aging

Posted by Brad Sarkauskas | Nov 18, 2019 | 0 Comments

One cannot overstate the importance of family presence in a senior's life. Family creates a consistent social network and connection that directly impacts the senior's overall quality of life. Prioritizing family relationships provides continuity as a senior experiences change in their social n...

Become a Tech Savvy Senior

Posted by Brad Sarkauskas | Nov 11, 2019 | 0 Comments

We live in a world of the Internet of Things (IoT). Embedded electronics with internet connectivity simplify tasks and are a pervasive part of our daily lives. Typically, the younger generations are very adept at navigating the IoT while many seniors feel overwhelmed by technology, devices, and...

Read This Before You Sign a Nursing Home Contract

Posted by Brad Sarkauskas | Nov 04, 2019 | 0 Comments

Suppose your mother can no longer make decisions for herself and she now needs nursing-home care. You are stressed and anxious. The nursing home puts a twenty-page, single-spaced contract in front of you. You wish you could flip straight to the last page and sign then and there, just to get it ...

Medicare and Medicaid: Understand the Difference

Posted by Brad Sarkauskas | Oct 28, 2019 | 0 Comments

Most people who work in healthcare may recognize the acronym LASA, which stands for “look-alike-sound-alike” and is usually seen when referencing medications.   When it comes to federal programs, Medicaid and Medicare, in written form, look alike and they do sound alike but work very differentl...

Retirement Planning Considerations

Posted by Brad Sarkauskas | Oct 14, 2019 | 0 Comments

Before you retire or leave full-time employment for other pursuits, consider the impacts of your decision on the financial well being of your future. The transition to your next phase of life, whether full or semi-retirement, adventure seeking, or family driven, requires thoughtful planning to av...

Budget Management Tips for Seniors

Posted by Brad Sarkauskas | Oct 07, 2019 | 0 Comments

Money is one of life's biggest concerns. People of all ages struggle to stretch their dollars to meet their needs and wants. Many seniors live on a fixed income and are presented with more challenges in making ends meet. Creating a budget can help seniors plan how to use the money they have to ...

Trends in Senior Living

Posted by Brad Sarkauskas | Sep 30, 2019 | 0 Comments

The traditional senior housing market is undergoing a profound change. In 2018 senior housing occupancy fell to an eight-year low, even as the senior population continues to increase, as competition for the younger baby boomer market is ramping up and forcing a change to more traditional independ...

Nursing Homes Struggle to Meet Staffing Requirements

Posted by Brad Sarkauskas | Sep 16, 2019 | 0 Comments

There are federal regulatory standards that nursing homes must meet for providing qualified registered nursing staff. According to McKnight's.com, fully three-quarters of nursing homes seldom meet the federally registered nurse (RN) staffing level guidelines. In particular, on the weekends, nur...

How to Identify and Avoid Online Scams

Posted by Brad Sarkauskas | Sep 03, 2019 | 0 Comments

The online world is rife with scams, and the number of people in the online world makes it a target rich environment for scammers. Seniors and near seniors should be aware of some of the more common attacks aimed to gain access to your money as well as identity.

The Looming Retirement Crisis for Baby Boomers

Posted by Brad Sarkauskas | Aug 26, 2019 | 0 Comments

A study conducted by The Blackstone Group, an independent research firm, on behalf of Bankers Life Center for a Secure Retirement outlines some very unsettling data regarding middle-income baby boomer retirement care preparedness. According to the survey above, the bleak financial reality of th...

Dementia Diagnosis is a Significant Health Challenge

Posted by Brad Sarkauskas | Aug 20, 2019 | 0 Comments

Somewhere in the world, every three seconds, someone is being diagnosed with dementia. Dementia is a catchall phrase that refers to many types of neurodegenerative diseases. Neurodegenerative diseases bring about the onset of dementia including but not limited to: Alzheimer's disease, Lewy body...

Determine Where to Retire With a Crowdsourcing Site

Posted by Brad Sarkauskas | Aug 12, 2019 | 0 Comments

While aging in place is very popular among the baby boomer generation, about one-third of those retirees would choose to live elsewhere. The family remains the most significant factor when deciding where retirees live, followed by the general livability of an area and desirable weather conditio...

Experience the Many Benefits of Walking

Posted by Brad Sarkauskas | Jul 23, 2019 | 0 Comments

Walking is one of the most effective ways to maintain your overall health as you age. It provides a myriad of benefits both physical and mental. Grab a buddy and walk. It can be your spouse, your neighbor, your children, a friend, your dog or any combination of these. If you don't have a dog co...

Understanding Hospice Care for the Terminally Ill

Posted by Brad Sarkauskas | Jul 16, 2019 | 0 Comments

What is Hospice care? Hospice care can be very difficult for families to come to terms with, but can be a beneficial care option for those caring for a terminally ill loved one. The purpose of hospice care is to provide comfort and quality of life for a terminally ill person. Hospice care can ...

When Caregivers Need a Break Too

Posted by Brad Sarkauskas | Jul 10, 2019 | 0 Comments

Respite care is substitute care when a caregiver needs a break. If possible, these breaks should be scheduled regularly, giving the caregiver time to rest. It can be for a short period like a day or a few hours or for the purpose of giving the caregiver a vacation. Respite care is often overloo...

How Emotional Support Animals Can Help Seniors

Posted by Brad Sarkauskas | Jul 01, 2019 | 0 Comments

Most of us know what a service animal is, but the use of emotional support animals is becoming more common. An emotional support animal is a companion animal that provides benefits to a person who has an emotional or mental health disorder. In order to be characterized as an emotional support a...

America is Facing a Shortage of Home Caregivers

Posted by Brad Sarkauskas | Jun 24, 2019 | 0 Comments

The aging population of the United States is widely reported as the bulk of the baby boomer generation is already retired or nearing retirement. However, what has not been widely reported is how the rest of the nation will provide care for this large, aging population. According to a 2017 Merri...

Long Term Care Planning for the Aging Middle Class

Posted by Brad Sarkauskas | Jun 18, 2019 | 0 Comments

As we age, simple things we took for granted as kids become more difficult -- and more expensive. That's a truth all of us know. What you may not realize is that the aging middle class will face unique difficulties going forward. The private market offers options for assisted living, but at a p...

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