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Heritage Law Office Blog

When an Inheritance is Not Always A Good Thing

Posted by Brad Sarkauskas | Mar 30, 2020 | 0 Comments

Say your spouse is living in a nursing home because of advanced Parkinson's. Your spouse is currently receiving Medicaid benefits to pay for the high cost of that care. If you were to pass before your spouse, you wouldn't want your spouse to inherit all your life savings, no matter how much you...

Retirement Planning Trends are Changing

Posted by Brad Sarkauskas | Mar 10, 2020 | 0 Comments

In France, proposals to raise the retirement age are met with street protests. Yet around the world, the retirement age is creeping up; in the United States, it is moving up from 65 to 67. In fact, 2019 research shows that many Americans expect that they might never retire at all. People simply...

Americans are Facing a Long Term Care Crisis

Posted by Brad Sarkauskas | Feb 17, 2020 | 0 Comments

Americans are facing an escalating long-term care (LTC) crisis. Industry driven, massively underpriced policies are playing fiscal catch up with hefty premium rate increases. This price increase is forcing some aging Americans to abandon their policy while others struggle to reduce their amount...

Calculating the Hidden Costs of Alzheimer’s Disease

Posted by Brad Sarkauskas | Feb 10, 2020 | 0 Comments

When policymakers consider the costs of dementias like Alzheimer's disease, they consider both direct and indirect costs. Direct costs, in this instance, are the medical and social/non-medical care costs related to dementia; on average, expenses included $273 per month spent on medical supplies...

Your Retirement and The SECURE Act of 2020

Posted by Brad Sarkauskas | Feb 03, 2020 | 0 Comments

Congress has passed a bipartisan appropriations bill. In the contents of this spending bill is a piece of legislation known as the Setting Every Community Up for Retirement Enhancement Act (SECURE), the first significant change in retirement legislation since the Pension Protection Act in 2006....

Planning for Your Blended Family

Posted by Brad Sarkauskas | Jan 27, 2020 | 0 Comments

Couples often bring children into a marriage from a prior marriage or union and then have children together. This is often referred to as a blended family. Blended families highlight the need for careful estate planning to make sure the needs of each spouse are met, as well as the needs of each...

Why is a Living Will Important?

Posted by Brad Sarkauskas | Jan 20, 2020 | 0 Comments

A living will lays out your preferences for life-sustaining medical treatment.  It is often accompanied by a health-care proxy or power of attorney, which allows someone to make treatment decisions for you if you are incapacitated and the living will does not have specific instructions for the ...

Caregiving for Your Spouse

Posted by Brad Sarkauskas | Jan 06, 2020 | 0 Comments

Caring for a seriously ill spouse can trigger relationship challenges.  In the process of change, you can lose your best friend, your love, and your future as you both had imagined it. Promises will change from words spoken in oath on your wedding day to deeds of care in your mostly, but not ex...

Bacteria: The Source of Many Diseases

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

Health experts have been advising people for years about unhealthy habits being the cause of "lifestyle" diseases that are increasing across the US. These lifestyle diseases become more common with age and include heart disease, type 2 diabetes, some cancers, and Alzheimer's disease. Around the...

Is it Time to Rethink Your 401(k) or IRA?

Posted by Brad Sarkauskas | Dec 09, 2019 | 1 Comment

Kiplinger.com is suggesting it is time to rethink your financial retirement portfolio. You may have built up a significant nest egg in a 401(k) plan, but it does come with serious baggage during your golden years. It is impossible to argue against the early stages of a 401(k) when employers mat...

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...

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