For more information about the author, click to view their website: The Law Office of Jennifer Gromley
We provide comprehensive Elder Law planning by reviewing assets, income and transfers in order to determine the elder’s needs and identify any other legal needs that should be addressed in the plan. Initially these plans are done with a focus on long term care planning, asset protection and Medicaid. Medicaid is a government program that is available to pay for long term care for individuals who are medically and financially eligible. We look at ways to create a safety net of overlapping resources so the individual can maximize their sense of security and independence.
Incapacity: “Incapacity” is a formal, legal finding made by a judge in the context of a guardianship proceeding, after a hearing and introduction of clear and convincing evidence. Although the Court’s appointment of a guardian for an individual constitutes a formal finding of incapacity, no such legal finding of incapacity is associated with a court’s appointment of a conservator for an individual. For more information regarding guardianships and conservatorships, please click here.
Although a legally “incapacitated” person lacks the capacity to be able to do things like write a will or enter into contracts, there are varying degrees of capacity short of a legal finding of “incapacity” within which a person may still be able to enter into legally valid, binding or enforceable arrangements. These situations include:
Medicaid/Medicare: Dealing with Medicaid and Medicare issues, including working through applications, eligibility, hearings and appeals, can be confusing, time-consuming and frustrating. Our team has the experience and know-how to help you successfully navigate Medicaid and Medicare.
Long Term Care Planning: We can guide you with a forward-thinking approach to Long Term Care. Although the term Long Term Care is often mistakenly thought to exclusively mean long term care insurance coverage, a more accurate and holistic view is that Long Term Care should cover a broad range of strategic planning, including but not limited to long term care insurance, Medicaid, Veterans’ Benefits, and other resources that may be used to pay for Long Term Care needs.
Call us today to schedule an appointment, 303-783-9600.
UPDATED MEDRIDE LICENSURE An improvement to our ambulatory service area!As we reflect over the past year, our company has been working diligently to better serve the needs of our clients with operations in the Denver area. This year we were approved by the Colorado Public Utilities Commission (PUC) to accept Ambulatory Private Pay trips in Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Jefferson, Larimer, Park, and Weld Counties:In any of the white-outlined counties shown above, we are now able to provide Ambulatory Private Pay transportation to and from medical appointments and services, and collect payment via credit card, debit card, or HSA. MedRide also offers Wheelchair Private Pay throughout the entire state of Colorado.If you or your clients need Private Pay NEMT, please reach out to our MedRide Private Pay line at: 719-867-5474. Our Customer Service Team will be happy to help you!Looking Ahead to 2025As we move into the new year, we are excited to continue expanding our coverage area and services. Here is a sneak peek at some of the other initiatives we have in store:Advocacy for Better Access - We are working closely with state legislators at HCPF and the Governor's office in an effort to make transportation options easier and more accessible for clients across Colorado.More Vehicles & Employees - MedRide is adding to our fleet to ensure that we are always ready to serve your transportation needs.An Updated Website Coming Soon - Look out for our updated website, which is being finalized to improve your experience with better navigation and resources.Ongoing Service Enhancements - We will continue to invest back into our services to provide You and Your Clients with the highest level of care possible.
The rise of Artificial Intelligence (AI) has brought incredible innovation to our lives, from facial recognition unlocking phones to smart assistants handling our schedules. However, AI also poses significant risks, such as phishing emails, deepfake videos, and voice simulations impersonating individuals. Seniors must be informed of AI fraud to prevent them from falling victim to such schemes.Scams to Be Aware of in 2024As AI technology advances, scammers are finding new ways to develop more intricate and believable schemes. Its important to stay updated on these emerging tactics to protect yourself and your loved ones. These are some of the most prevalent AI scams to watch out for in 2024:AI-Generated Email PhishingAI-generated phishing emails are designed to look incredibly convincing, often mimicking legitimate communications from trusted organizations. The sophistication of AI means that these emails can include personalized details, making them even harder to detect. For example, a phishing email might use an email address like boss@cornpany.com instead of boss@company.coma subtle but critical difference in spelling.To stay safe, always verify the senders email address, look for any inconsistencies in the message, and avoid clicking on suspicious links. If you get an invoice for something you are confident you did not purchase, dont click on the link or attachment; instead, go directly to your credit card account to ensure there are no fraudulent purchases. The same applies to money requests from apps like Venmo and PayPal; go directly to the source without clicking any links.Chatbot FraudChatbots have revolutionized customer service, but they can also be used maliciously. Fraudsters use AI-powered chatbots to engage with victims, extract personal or financial information, or direct them to phishing websites.Red flags for scams include urgent requests, offers that seem too good to be true, or unusual language or grammar. A good rule of thumb is to not share sensitive information like passwords or credit card details through chat interfaces.Deepfake ScamsDeepfakes are AI-generated audio and video clips that make it appear like someone is saying or doing something they never actually did. These can be used to create convincing scams. For example, a common scam involves someone calling and claiming to be a loved one in an emergency and needing money, often mimicking their voice. Instead of panicking and sending the money, you should verify the persons identity, usually by calling them directly.If you receive such a call, look for inconsistencies in video or audio quality, unusual behavior, or other red flags.Investment ScamsFraudsters may use AI to generate convincing investment opportunities, complete with fabricated data and endorsements from seemingly reputable sources. Be cautious of high-pressure sales tactics urging you to make a quick decision, and thoroughly investigate any investment opportunity and the company behind it. Be wary of offers that promise unusually high returns with little risk.If you suspect an investment scam, immediately report it to regulatory authorities and financial institutions like the SEC or FINRA.Social Media ManipulationAI can generate and spread misinformation on social media platforms, influencing public opinion and manipulating users. This can include fake news stories, fraudulent advertisements, and the impersonation of trusted figures.Limit your privacy settings on social media and only accept requests from known individuals. Always verify the credibility of the sources and accounts you follow as well.At The Oberon House in Arvada, CO, we always prioritize your safety and well-being. Your security is our top priority. Contact us today to learn more 303-420-7258.
Scammers are increasingly adopting new methods to deceive unsuspecting victims, especially older adults. One of the latest threats is AI-generated voice fraud, also known as vishing (voice phishing). These scams use sophisticated AI technology to create highly realistic voices that mimic trusted individuals or organizations.Lets talk about what you should do if you receive such a call and how to protect your sensitive information.Understanding AI-Generated Voice FraudAs mentioned, scammers perform AI-generated voice fraud using synthetic voices that sound convincingly like a family member, friend, or legitimate entity such as a bank or government agency. These calls can be exceptionally persuasive and dangerous since the synthetic voices replicate the speech patterns and tone of the impersonated individuals. Additionally, fraudsters can manipulate caller ID to make it look like the call is coming from a trusted source when it is not.Common Tactics Used in AI-Generated Fraud CallsBe on alert for the following AI-generated fraud calls:Impersonation of Family Members: Scammers may claim to be a relative in urgent need of money due to an emergency. The voice will sound distressingly familiar, making it easy to fall for the ploy.Bank Representative Scams: Fraudsters impersonate bank representatives, asking for account details or prompting money transfers to secure accounts.Tech Support Scams: Callers pose as tech support from reputable companies, convincing victims to grant remote access to their computers or pay for unnecessary services.Government Agency Impersonation: They may mimic officials from agencies like the IRS or Social Security Administration, threatening legal action or demanding immediate payment of fines or taxes.Utility and Phone Company Scams: Fraudsters imitate representatives from utilities or phone companies, claiming issues with the account and requesting payment or personal details to resolve them.Steps to Take If You Receive a Suspicious CallSo, what should you do if you receive such calls that are highly convincing? Here are some essential steps to take:Stay Calm and Dont Panic: Scammers often create a sense of urgency to pressure you into making quick decisions.Verify the Callers Identity: If the caller claims to be a family member, ask specific questions only that person would know. If the caller claims to be from a legitimate organization, hang up and call the organizations official number to verify.Never Share Personal Information: Legitimate entities like the bank or the government will never ask for sensitive information over the phone. Do not provide personal, financial, or account details to the caller.Report the Call: Report the incident to your bank, local authorities, or the Federal Trade Commission (FTC). This helps to alert others and potentially track down the scammers.Educate Yourself and Others: Stay informed about the latest scam tactics and share this information with friends and family. Awareness is a key defense against fraud.If you need assistance or have concerns about potential scams, dont hesitate to seek help. At The Oberon House in Arvada, CO, we prioritize the safety and security of our residents. Contact us today to ensure your loved ones are in a safe space 303-420-7258!
Law Office of Jennifer S. Gormley, P.C. provides high quality, comprehensive legal help to individuals, families and professionals in the areas of probate, elder law, estate planning, litigation, trusts and estates, long term care planning, guardianships, conservatorships, disability law, Social Security and Aid and Attendance for Veterans. We focus on law and public policy with emphasis in aging and disability. We have litigation experience with complex cases involving financial exploitation, trust/will contests and protective proceedings. Also, we have years of experience assisting clients with estate and long term care planning, wealth protection and navigating public benefits. You can reach us by phone at 303 783 9600 or by email info@elderlawsource.com.
Law Office of Jennifer S. Gormley, P.C. provides high quality, comprehensive legal help to individuals, families and professionals in the areas of probate, elder law, estate planning, litigation, trusts and estates, long term care planning, guardianships, conservatorships, disability law, Social Security and Aid and Attendance for Veterans. We focus on law and public policy with emphasis in aging and disability. We have litigation experience with complex cases involving financial exploitation, trust/will contests and protective proceedings. Also, we have years of experience assisting clients with estate and long term care planning, wealth protection and navigating public benefits. You can reach us by phone at 303 783 9600 or by email info@elderlawsource.com.
At the Law Office of Jennifer S. Gormley, P.C., we offer a complete estate planning services that are tailor-made to meet your specific needs. Jennifer S. Gormley has years of experience and in-depth understanding of the laws that are involved in this practice and she is committed to helping people and families ensure their future, protect their interests and have their say in the event of death or incapacitation.Expert Estate Planning ServicesEstate planning is the process of making arrangements for the management and disposition of your estate in the event of your death or incapacitation. At the Law Office of Jennifer S. Gormley, P.C., we provide estate planning services such as:Wills and Trusts: Getting a will or trust is important to ensure that your belongings are distributed as you wish after your death. Jennifer S. Gormley is well conversant with the formulation, review and revision of wills and trusts to suit the current and future situation of the client.Probate Administration: The probate process is not always straightforward and can be quite stressful to deal with. Our firm provides skilled probate administration services that assist executors and beneficiaries in the management of the legal processes effectively and efficiently.Power of Attorney: Having a durable power of attorney means that someone you trust can make your financial and medical decisions on your behalf if you are unable to do so. We also offer assistance in the creation and implementation of power of attorney legal documents to protect your rights.Healthcare Directives: Advanced healthcare directives, such as living wills and healthcare proxies, are used to express your preferences on life-sustaining treatments. We provide specific guidance to ensure that your healthcare directives are understood and legal.Estate Tax Planning: This is an important part of estate planning since it aims at minimizing the taxes that are to be paid on the estate. We provide tax planning advice that will assist you in leaving as large a portion of your estate to your heirs as possible, using measures such as trusts, gifts, and charitable giving.Guardianship: If you have children or other dependants, you need to nominate a guardian for them in case something happens to you. We assist you in identifying and legally appoint a guardian to give you peace of mind.Special Needs Planning: Protecting the future of a family member with special needs needs special planning. We help in the establishment of special needs trusts and other planning techniques in a way that the person with disability will still be eligible for government assistance.Why you should hire the Law Office of Jennifer S. Gormley, P.C.?Personalized Approach: We know that every client is unique in their way. At Jennifer S. Gormley, we take time to listen to your needs, identify your objectives and come up with an estate plan that is suitable for you.Expertise and Experience: Jennifer S. Gormley has vast experience in estate planning and thus has the knowledge and skills that are required in handling various legal matters. This guarantees that your estate plan is all-encompassing, current and legally valid.Compassionate Service: Estate planning is often an emotional process. We offer understanding and sensitive services to assist you in making the right decisions with courage and without any worries.Proactive Planning: We take a preventive approach to estate planning and aim to identify potential issues and solve them before they become problems. This forward looking approach helps avoid conflicts and guarantee that your assets will be transferred smoothly.Client Education: It is our policy to educate our clients as much as possible. At Jennifer S. Gormley, we spend time with you to explain the legal terminologies and the choices you have before you make your decision on the estate plan.At the Law Office of Jennifer S. Gormley, P.C., we are committed to offering superior estate planning services that provide you and your family with peace of mind and security. Whether you need help with writing a will, creating a trust, or making plans for the future, including long-term care, our experienced team is ready to assist you at every stage. Contact us today and let us help you plan for the future with confidence.