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Wednesday, 3 July 2013

The Central Elements Of Elder Law

By William Howe


Elder law is a term used in the United States that refers to the legal practice that is centered on issues as they relate to the aging population. The three key elements of the law: Long-term care programs, including disability and Medicaid; administration and estate planning; and guardianship, commitment matters and conservatorship. Elder law planning is extremely beneficial and recommended to older individuals.

Numerous other issues are classified under this term, such as: protection against neglect, fraud and abuse; mortgage and real e state assistance; retirement planning; wills; Social Security benefits; trusts; and end-of-life planning. As individuals age, the may be faced with obstacles that provide emotionally and financially draining. There are many businesses who help people plan for their future.

President Lyndon B. Johnson signed the OAA, Older Americans Act, in July of 1965. This was the same year that Medicare was started. The OAA is believed to have encouraged the creation of the AOA, Administration on Aging. This is a division that is part of the Department of Health and Human Services. These developments are considered the main launching pad for similar programs and services geared toward helping older individuals.

Planning, of this kind, is essential for improving life quality. As people age, they often become more dependent on help from others. Still, it is suggested that people make sure they are as prepared as possible for what may come. Residential care and medical treatments can be costly, particularly for people who rely on government aid and do not have a steady working income. Money that has been set aside for emergencies and retirement may be used quickly.

Estate planning specifically refers to anticipating and arranging the disposal of estates. The term coincides with elder law, which also involves long-term care and similar provisions. People die, this is a reality that may be uncomfortable to think about but is important to make plans for.

Beneficiaries, usually the loved ones of a person, may not be able to receive what has been left in their name, if the deceased does not plan. This could be because of administration costs, disagreements between heirs or unnecessary taxes. Estate planning is vital, no matter how large or small the estate may be. It ensures that the property is awarded to the people it should be. Likewise, it can help people save a considerable amount on taxes, fees for an attorney and cost of court. Loved ones can find relief and the ability to grieve the loss of a person rather than stress over financial disputes and confusions.

A will and power of attorney are the bare essentials when it comes to planning. The professional is responsible for handling the property management while people are still living, especially when they are unable to do it themselves. Wills come in handy after death, aiding in management and distribution of property.

It is suggested that aging individuals work with professionals when it comes to elder law and estate planning. Planning is a simple act that can reduce troubles and stresses related to death and old age. No matter how little a person believes that he or she has, planning is a must that will prove nothing but beneficial.




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