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Estate Planning Is About More Than Wills and Inheritance
Traditionally, estate planning brings up thoughts of wills,
trusts, and discussions about who inherits what. These are undoubtedly
important, but there’s another side to the story—the potential for incapacity.
Life is unpredictable. Accidents, illnesses, or progressive conditions like
dementia can render us unable to make decisions or communicate our wishes.
That’s when the true test of an estate plan comes into play.
The Spousal Assumption
There’s a widespread assumption that marriage grants spouses
the ability to automatically make decisions for each other. This myth is
pervasive, yet the legal system tells a different story. Strict privacy and
healthcare laws mean that without explicit legal permissions — such as a Power
of Attorney or a healthcare directive — a spouse’s hands may be tied, unable to
manage finances, make medical decisions, or even get information from doctors.
The Costly Path of Conservatorship
Without proper documentation, the only recourse may be to
seek a conservatorship where a court appoints someone to oversee the
incapacitated person’s affairs. It’s a route fraught with challenges: it is
time-consuming, can be quite expensive, and throws open what are very personal
matters to the public eye.
How to Protect Your Voice and Your Choices
The key to maintaining control is preparation. Here are the
documents that every adult should consider:
The Role of Trusts
A Revocable Living Trust can also play a pivotal role. By
creating a trust, you not only plan for the distribution of your assets after
your passing but also ensure that someone you trust can manage your affairs
without court intervention if you’re not able to during your life.
Educate, Communicate, Update
Creating these documents is just the first step. Educate the
people you’ve appointed about their roles and your wishes. Keep the lines of
communication open and review these documents regularly to ensure they reflect
your current circumstances and wishes.
Final Thoughts
Jay Leno’s situation is a lesson for us all, highlighting
the need for comprehensive estate planning that anticipates not just death, but
also life’s unexpected turns. It emphasizes the importance of preparing for
situations where we might not be able to speak for ourselves.
For those ready to take the next step, or if you’ve realized there’s a missing piece in your estate plan, we’re here to guide you. Ensuring your estate plan is complete and up-to-date is the best way to protect yourself and your loved ones from the uncertainties of the future. Please feel free to contact the office at 724 546 6615 if you need assistance getting started.
There are plenty of reasons for family members to take care of aging or disabled loved ones. The role can be rewarding, bringing people closer to the people they love and allowing them to tailor care to their personal needs and preferences. But even the most dedicated family caregivers need a break to focus on their own well-being, especially around the busy holiday season. Thats where respite care comes in.Despite the fact that 1 out of every 5 Americans acts as a caregiver to a loved one, only 15% take advantage of respite care services available to them. Respite care can create better outcomes for caregivers and their loved ones alike. It gives family members time to rest and recharge so they can come back to the role with fresh eyes and renewed spirit.But what is respite care, and is it right for you? Lets take a look at the many benefits of hiring a home care agency to give you a helping hand when you need it.What is In-Home Respite Care?In-home respite care is a form of temporary relief from the responsibilities of caretaking. You get to set the termsit could mean hiring a professional aide for an afternoon, for several weeks, or anything in between. At ComForCare, our highly trained staff can come to your loved ones home to perform many of the duties you provide on a daily basis, including:Preparing meals and helping them eatHelping them groom, bathe, and dressProviding medication remindersGrocery shopping, picking up medications, and related errandsCoordinating care and transporting them to and from doctor appointmentsLight housekeepingUnlike adult day-care centers or respite care facilities, in-home care reduces the stress on your loved one by bringing care to them. They get to stay in their familiar environment with minimal disruption to their routineand you get a break to focus on your needs.Benefits of Respite CareManage Stress & Ward Off BurnoutOver half of family caregivers in an AARP survey reported that they experience moderate to high levels of stress related to their roles responsibilities. Combined with the added pressures of the holiday season, the winter months can quickly lead to burnout for those taking care of loved ones. Respite care gives you room to breathe, just like taking time off work. After all, though it can be deeply rewarding, caretaking is a form of labor. Working so hard without rest can take a serious toll on your mental health, which in turn can affect your ability to care for your loved one.Reduce Health Risks for Your Loved OneWhen were burnt out, busy, or bustling around more than usual, we can overlook important signs of illness or disease progression. Were only human, and can only focus on so many things at once. ComForCares home aides are specially trained to watch for warning signs that your loved one needs medical intervention or additional help. They can also provide you with a fresh perspective after months or even years of seeing your loved one every day.This is especially true if your loved one has recently suffered an injury or had a medical procedure. Temporary respite care during their recovery can reduce the risk of infection and rehospitalization. Its a way to optimize their healing process while taking some time to focus on your health, too.Find Support & a Social NetworkBetween 40% and 70% of family caregivers struggle with feelings of depression, often compounded or caused by isolation and loneliness. During this time of the year when were supposed to be celebrating togetherness, that struggle can begin to feel unmanageable. Not enough caregivers realize that there are support groups for people just like them, where they can come together, socialize, and share their experiences. Home care agencies like ComForCare can connect you with those resources.We do everything in our power to take care of our clientsand that means helping family caregivers just as much as it means assisting their loved ones with their daily needs. We have a wealth of knowledge about mental health resources and support systems, and were glad to share those with you while we give you a helping hand. Respite Care Isnt SelfishIts a GiftOne of the biggest hurdles to self-care can be feelings of guilt. Its easy to see taking time for yourself as a selfish act. But the reality is, taking a break is a gift to your loved one, too. Whether all you need is a day alone to catch up on errands or a week to take your first vacation in years, youll return as a more resilient, more compassionate, and more capable caregiver.At ComForCare, all of our employees are background checked, highly trained, and vetted for a passion for treating all their clients with dignity and respect. Whether they meet your loved one only once or on a regular basis, theyll provide the highest level of care so you can rest easy. To learn more about our work and find a schedule that will fit into your life and your budget, get in touch with us today!
Benefits of Senior Care at HomeAs we grow older, our needs change, and sometimes we require a little extra help to maintain our quality of life. Senior care at home has become an increasingly popular option for many families, offering numerous benefits that cater to the unique needs of older adults. Let's explore why this type of care can be so valuable for our loved ones.Comfort and FamiliarityOne of the greatest advantages of senior care at home is the ability to remain in a familiar environment. For many older adults, their home is filled with cherished memories and provides a sense of comfort that cannot be replicated elsewhere. Staying at home can help reduce stress and anxiety, which is particularly important for those dealing with memory issues or cognitive decline.Personalized CareEvery individual has unique needs, and senior care at home allows for a tailored approach to meet these specific requirements. Whether it's assistance with daily tasks, medication management, or specialized care for conditions like dementia, a personalized care plan ensures that your loved one receives the exact support they need.Companionship and Social InteractionLoneliness and social isolation can have serious negative effects on an older person's health and well-being. In-home caregivers not only provide practical assistance but also offer much-needed companionship. They can engage in conversations, share activities, and provide a friendly face to look forward to each day.Maintaining IndependenceMany older adults fear losing their independence as they age. Senior care at home allows them to maintain a sense of control over their lives while receiving necessary support. Caregivers can assist with tasks that have become challenging, enabling seniors to continue living life on their own terms.Family InvolvementHome care encourages family involvement in the caregiving process. This collaborative approach ensures that the family remains an integral part of the support system, promoting a holistic and well-rounded care experience.Flexible Care OptionsAs needs change over time, in-home care can be adjusted accordingly. Whether it's increasing the level of support or adding specialized services, the flexibility of home care allows for seamless transitions without the need for a major upheaval in your loved one's life.Peace of Mind for FamiliesKnowing that a trained professional is caring for your loved one can provide immense peace of mind for family members. This is especially true for those who live far away or have demanding work schedules that make it difficult to provide regular care themselves.Cost-Effective CareIn many cases, in-home care can be more cost-effective than moving to a residential facility, especially if 24/7 care is not required. It allows families to pay only for the services needed rather than a comprehensive package that may include unnecessary amenities.Promoting Overall Well-beingSenior care at home goes beyond just meeting physical needs. It encompasses emotional and mental well-being too. Caregivers can encourage seniors to stay active, engage in hobbies, and maintain social connections, all of which contribute to a higher quality of life.Specialized Care for Unique NeedsFor seniors with specific health conditions, such as Alzheimer's or Parkinson's disease, in-home care can provide specialized support tailored to these unique challenges. Caregivers trained in these areas can offer expert assistance and help manage symptoms effectively.Remember, growing older doesn't mean giving up on the joys of life. With the right support, seniors can continue to thrive in the comfort of their own homes, maintaining their independence while receiving the care they need. It's not just about adding years to life but adding life to years. Quality Care You Can TrustWith over a decade of experience and a team led by a registered nurse, you can trust that your loved one is in good hands with Rita's Home Care. We are passionate about helping those in need and ensuring they receive the best care possible, just as we would for our own family members.Whether you need traditional home care services for an elderly loved one, specialized dementia care support, or end-of-life care, our team is trained and equipped to handle it all. We understand that every individual has unique needs, which is why we offer personalized care plans to ensure your loved one receives the specific support they need to thrive.
Lets Get Heart Smart February Is American Heart MonthBy the time you read this, the reported deaths from COVID-19 and its variants in the U.S. will be close to 900,000. As staggering as that statistic is, its 400,000 short of the number of Americans killed by Heart Disease in the same time period. Heart disease is the leading cause of death for men and women of most racial and ethnic groups.Lets not allow the topic to overwhelm the fact theres a miracle inside your chest. Weighing about as much as a grapefruit, the heart is a powerful pump that drives five to six quarts of blood to every microscopic part of your body every second. And if it fails for even a second, the body is very unforgiving. Even though its the one piece of machinery driven by the brain, we tend to treat the heart like a kitchen appliance that we take for granted. Rarely serviced, rarely cleaned, and overworked until it burns out. Although heart bypass and transplant have become routine since the pioneering operations in the 1960s, its not like replacing the coffee maker you neglected too long.One Thing at a TimeThe better way to treat your heart with the respect it deserves is to start with changing just small habits. That way, youll avoid the relapse from trying to change everything at once and falling back to unhealthy heart habits inside of a month. The most obvious: if youre a smoker or heavy drinker, work on that first. Imagine a small team of remodelers arriving at your heart to do a makeover. The first thing theyre going to say is, Well, we cant do anything with the plumbing until we clear the smoke.Look for Help During Heart MonthQuitting smoking and reducing alcohol is never easy, but this is probably as good a time as any during the year to start a cessation program with help. February is American Heart Month, so youre likely to be reminded frequently of heart health and offered tips on modifying your routine to help your heart and prolong a happy life. If you only look to one place, trust the American Heart Association www.heart.org. Prediabetes and Heart DiseaseWhats your blood sugar level? If you dont know, you should find out from your doctor if youre not already monitoring it yourself. You could be pre-diabetic without knowing it or showing any symptoms. Theres a good chance you could avoid becoming diabetic and reverse your pre-diabetic blood sugar to normal with relatively little change to your diet and a slight increase inyour activity. Diabetes has long been linked to heart disease, but recent studies suggest that reversing prediabetes is also linked to fewer heart attacks and strokes. [Reversing Prediabetes linked to fewer heart attacks, strokes, heart.org, Jan. 26, 2021.]While youre at it, get your cholesterol tested and routinely monitor your blood pressure.If youre worried you might be at risk for heart disease, ask your doctor to perform a simple cholesterol test to let you know if youre at risk and should adjust your diet. Home blood pressure monitors are not expensive, theyre digital, and theyre easy to use. Blood pressure stations are common in supermarkets now, and you can also check your weight and pulse.Womens Heart HealthWhy the emphasis on womens heart health? The American Heart Association tells us that cardiovascular disease is the No. 1 killer of women, causing 1 in 3 deaths each year about one woman every minute. They devote an entire website to womens heart health: Go Red for Women (www.goredforwomen.org). Here are just a few of the common misconceptions about womens heart health:Myth: Heart disease is for men, and cancer is the real threat for womenFact: Heart disease is a killer that strikes more women than men and is more deadly than all cancer forms combined. While one in 31 American women dies from breast cancer each year, heart disease is the cause of one out of every three deaths.Myth: Heart disease is for old peopleFact: Heart disease affects women of all ages. For younger women, the combination of birth control pills and smoking boosts heart disease risks by 20 percent. Heart defects are more common than you might think: 1.3 million Americans alive today have some form of congenital heart defect and at least nine of every 1,000 infants born each year have a heart defect. Even if you live a completely healthy lifestyle, being born with an underlying heart condition can be a risk factor.Myth: I run marathons no way I could be at risk.Fact: Factors like cholesterol, eating habits, and smoking can counterbalance your other healthy habits. You can be thin and have high cholesterol. The American Heart Association says to start getting your cholesterol checked at age 20. Earlier, if your family has a history of heart disease.Age and Heart HealthMany things, like wine and most people, grow better with age. The heart, however, takes more tending than a glass of fine wine. Avoid things that weaken your heart beyond the normal aging process. These are the usual suspects: smoking and tobacco use, lack of exercise, diet, alcohol, overeating, and stress. Some preexisting conditions you cant control: irregular heartbeat, congenital (inherited) heart defects, sleep apnea (although this may be a product of obesity or alcohol consumption).Viruses and MyocarditisMyocarditis is an inflammation of the heart muscle mostly caused by a virus, including COVID-19, and can lead to left-sided heart failure. The left ventricle of the heart is the part that pumps oxygen-rich blood back to the body. This valve tends to stiffen with age. Thats one of the many reasons why age combined with a preexisting condition puts you at greater risk of death from COVID-19. Even survivors of the novel coronavirus infection can sustain permanent heart damage. All people must protect themselves and others from COVID-19 by observing precautions, not just because of its immediate lethality but also because of its impact on the heart, known and unknown.How to Start with Your HeartThe factors involved in heart health and the onset of heart disease are many, varied, and complicated. But the common preventions (listed here, from the Mayo Clinic) are simple. You probably already know them by heart, so to speak:Not smokingControlling certain conditions, such as high blood pressure and diabetesStaying physically activeEating healthy foodsMaintaining a healthy weightReducing and managing stressThose may seem like six significant challenges, especially if you take on all six. But you should notice something else about them. Almost every one of them can affect the other five. So, if you pick one, youll find it easier to take on the next one. People who quit smoking usually discover that they have more energy within the first week, and exercise becomes easier. A little exercise and switching out one unhealthy food will help with weight, stress, blood pressure, and diabetes. Easy does it, especially if youre 65 and older. Youve spent a whole life learning one way. You can take your time. Learn to enjoy your healthier heart. But start today.First, Get a Checkup!Most of the questions this article has raised in your mind (Whats my blood sugar level? Whats my blood pressure? I used to smoke am I at risk?) can all be answered in a single doctors visit with simple lab work done a few days before. Schedule it now, before you start a program of exercise and diet. And schedule a regular exam per your doctors recommendation. Relieving the stress of not knowing will be a good start on your way to a healthier heart.
At Sechler Law Firm, LLC, our mission is to help families make great plans. A great estate plan is more than just a set of documents. It is a comprehensive and well thought out written strategy on how to deal with lifes unfortunate twists and turns. Our process first provides you with the education necessary to make informed decisions with regard to your planning. Then we put the proper documents and legal framework in place to respond to lifes unfortunate changes.Our Estate Planning law office is headquartered in Cranberry, PA. From this office, we happily serve the residents of Cranberry, Mars, Wexford, Pittsburgh, Butler and the residents of surrounding communities. As one of the regions only Certified Elder Law Attorneys, Tim Sechler and his team often assist families from across Western Pennsylvania.We understand that the pursuit of health, wealth and happiness is the goal of most families. We want you to be able to pursue these goals, or whatever goals you may have, knowing that you have a back up plan if life throws you a curveball like a death, disability or nursing home need. With education as our foundation, we will work with you to make decisions to Shield What Matters Most to you.Practice AreasEstate PlanningCustomized planning doesnt have to be difficult for you. We strive to make the process easy. The first step is to identify your concerns so that we can make suggestions regarding your plan.Elder Law Crisis PlanningA significant percentage of our practice is dedicated to helping families navigate the long term care maze. We help with Asset Protection and eligibility for Medicaid and Veterans Benefits.Trust And Estate AdministrationIf you have lost a loved one, we can help you take the necessary steps to help handle their affairs.Tims estate planning practice is focused on guiding clients through the complicated maze of balancing transfer strategies, wealth preservation, and family values in the planning process.Tim is a Combat Veteran, having served in Afghanistan as a member of the West Virginia Air National Guard. Prior to leaving the military, Tim had attained the rank of Staff Sergeant. His experiences in the military have led him to thoroughly enjoy working with Veterans and their families.Tim received his law degree from Duquesne University School of Law, and his Master of Business Administration from the Duquesne University Donahue Graduate School of Business. He received his Bachelor of Science in Business Administration from West Virginia University, majoring in Finance. Tim is licensed to practice Law in Pennsylvania and West Virginia.Recently, Tim has been seen frequently as a guest on KDKAs Pittsburgh Today Live, and has been quoted in several local print publications. For the last several years, he has been honored to be chosen as a Super Lawyers Rising Star, an award given to less than 2.5% of Tims peers. Tim enjoys educating the public about Elder Law and Estate Planning. He has spoken to thousands of people regarding estate planning and has averaged more than 50 speaking events per year.Tim became a Certified Elder Law Attorney* in 2017. A CELA is more than just an attorney who specializes in the field of elder law. CELAs are committed, through certification, to maintaining and improving their proficiency with continual practice and continuing legal education. Becoming certified in elder law validates a lawyers specialty to handle issues that affect senior citizens.Tim and his wife, Robyn, are raising three beautiful children in their home in Mars, PA.*Certified as an Elder Law Attorney by the National Elder Law Foundation.