How Estate Planning Needs Change Throughout Your Life

It sounds like something out of a movie: A wealthy man passes away, leaving behind a historic manor, a million-dollar estate, and two women claiming to be his rightful heir.But this isnt fictionits a real case thats making headlines. And while most of us dont have castles and wine collections to pass on, the lessons from this case apply to everyone.At Bellomo & Associates, we believe estate planning isnt just about moneyits about love, legacy, and protecting the people you care about.The Real-Life Drama UnfoldsJustin Bodle was a successful British TV producer. When he died in 2019, he left behind a fortune worth $29 million. But heres where it gets messy His most recent will, written in 2013, left everything to his estranged wife. Since then, he had a new partner and two additional children but never updated his documents. Now, his partner is fighting for what she believes is fair under inheritance laws, while the wife (also the executor) claims the estate is drained by debts and taxes. Its ugly. And preventable. What Went Wrong?His will didnt reflect his current family life.There was no plan to care for the partner or new children.There wasnt enough liquidity to handle taxes and expenses.The result? A bitter court battle, expensive legal fees, and uncertainty for everyone left behind.What Does This Have to Do with You?Even if you dont own a manor in the English countryside, heres what you can learn:Update your plan after life changes. Divorce, remarriage, new kidsit all matters.Be specific. If you want to provide for a partner or child, spell it out clearly.Dont rely on good intentions. Executors have legal duties, not emotional ones.Think about cash flow. Your loved ones will need money to settle your affairs.Get help from a pro. Estate planning is not a DIY project, especially in blended families.Your Legacy Should Be Love, Not LitigationStories like this make headlines because theyre dramatic, but behind every court battle is a family thats hurting. You can avoid that. Lets build a plan that reflects your real life, real values, and real wishesso your loved ones are taken care of and stay out of court.

Alzheimers is the most common type of dementia and occurs when plaques and bundles of proteins build up between nerve cells in the brain, ultimately causing brain cell death. Individuals often experience confusion, memory loss and inability to care for themselves. The disease is physically degenerative and is often mentally and emotionally draining on both the individual with the disease, as well as family members around them. If you or a loved one has been diagnosed with Alzheimers, you likely have a lot of questions. At BrightStar Care, our team has experience in working with clients and families dealing with Alzheimers and want to help you better understand the road ahead.Causes & Diagnosis of AlzheimersWhen caring for a loved one with dementia, knowledge and understanding of their condition can be invaluable. Although every case of Alzheimers disease is unique, there are some commonalities in terms of causes, symptoms and general prognoses.What causes Alzheimers?For people diagnosed with Alzheimers, the exact timeline, symptoms and primary causes will vary. There are many possible causes of Alzheimers disease that include genetic, environmental and/or lifestyle factors. Diet, sleep patterns and a lack of both cognitive and physical exercise may all play a role in the causes of Alzheimers.What is the difference between Alzheimer's and dementia?Dementia is not a disease itself, but rather a group of symptoms that impact brain functionality caused by various diseases and conditions. Alzheimers disease is the most common form of dementia, accounting for 60-80% of dementia cases.What is the 12-question test for Alzheimers? The 12-question test for dementia, also known as the Mini-Mental State Examination (MMSE), is a clinical tool used to evaluate cognitive impairment. It assesses several cognitive functions including memory, orientation to time and place, language abilities, and calculation skills. By asking a series of 12 questions, healthcare providers can gauge a person's cognitive status and help determine the likelihood of dementia.Alzheimers Symptoms & PrognosisThe earliest detectable signs of Alzheimers include memory trouble, apathy and depression. People in the early stages of Alzheimers might have problems completing familiar tasks or misplace things and be unable to retrace their steps. As the disease progresses, more severe symptomsincluding impaired communication, poor judgment and disorientationmay emerge. Each individuals experience with Alzheimers is unique. Your doctor and medical team can help you better understand your condition, symptoms and any treatment options as they relate to you. What are the symptoms of Alzheimers?Alzheimers is most commonly characterized by mental confusion and forgetfulness. Some common tell-tale behaviors are forgetting familiar names, getting lost in familiar places, and an inability to complete routine tasks.How can I tell the difference between Alzheimers and typical signs of aging?While forgetfulness and confusion are associated with Alzheimers, these symptoms also accompany normal aging. So, how can you tell the difference? The Alzheimers Association lists memory loss as a challenge that disrupts daily life, challenges in planning or solving problems, and difficulty completing familiar tasks. They also differentiate these symptoms from the milder signs of normal cognitive decline. For instance, while a normal older adult might occasionally struggle to balance their checkbook or forget an important name or date and then remember it later, these difficulties are more persistent or extreme for an Alzheimers sufferer.For example, occasionally losing your keys or forgetting what you had for breakfast that morning is common among older adults. However, a person with Alzheimers may show even more pronounced lapses in memory. For instance, they may not only lose their keys, but also completely forget what keys are for, showing a stark decline in cognitive connections. Whats the typical Alzheimers prognosis? For people diagnosed with Alzheimers, the exact timeline, symptoms, and severity of their disease can vary. However, the trajectory of the disease tends to flow through seven distinct phases, originally outlined by Dr. Barry Reisberg of New York University.The arc generally begins with symptoms similar to those of normal aging, proceeds through gradually worsening stages that can include difficulty with simple arithmetic and forgetting personal details, and ends with severe decline typified by the inability to swallow.Early stages: Early-stage Alzheimers typically includes mild decline, such as difficulty in finding the right word during conversation, losing personal possessions and having trouble remembering familiar names. At this stage, family members can typically manage care for their afflicted loved one.  Middle stages: This period is marked by moderate decline in mental faculties, including poor short-term memory, inability to manage personal finances, difficulty dressing or grooming and significant confusion. In these stages, a person with Alzheimers may need occasional in-home care or nursing services.Late stages: In the final stages, severe decline is present, including inability to recognize familiar faces, inability to remember personal details, loss of bladder control and major personality changes. Individuals at this stage either relocate to a residential facility or have a full-time in-home caregiver.Is there a cure for Alzheimers? Theres no known cure for Alzheimers, only treatments that can ease symptoms. The FDA has approved two types of medications (cholinesterase inhibitors, such as Aricept, Exelon, and Razadyne, and memantine, found in Namenda) that diminish mental confusion, memory loss, and other cognitive symptoms, but these do not reverse the underlying causes.Recent research and clinical trials have made potential breakthroughs with immunotherapy treatments and monoclonal antibodies. Many also suggest herbal supplements like gingko biloba and coenzyme Q10, but these lack confirmation through clinical trials. Additionally, non-drug interventions such as cognitive behavioral therapy as well as caregiver support programs can improve quality of life, especially in early stages. Alzheimers Prevention and Management Understanding the nature of Alzheimers and how to manage it can positively impact families affected by this disease. Having accurate information about risk factors, early warning signs and how to manage each stage of Alzheimers can help support family caregivers throughout the progression of the disease. How can I prevent Alzheimers? There are no proven ways to completely prevent Alzheimers. As with many degenerative illnesses, a healthy lifestyle, including regular exercise, balanced diet, and effective sleep habits, may help lower the risk of developing Alzheimers. Research has shown a correlation between high blood pressure and high cholesterol and the incidence of the disease. Doctors recommend getting these numbers to a healthy level, not only for Alzheimers prevention but for general good health.There are a variety of ways to maintain good brain health that can also work toward a lower likelihood of Alzheimers disease. Regular social interaction, brain stimulating activities such as puzzles and learning new skills, and managing stress levels can help maintain cognitive health. Certain forms of physical exercise can also support brain health such as walking, swimming and strength training. Is Alzheimer's hereditary?There are rare familial forms of dementia caused by genetic mutations such as familial Alzheimers disease, frontotemporal dementia and familial vascular dementia, which are more likely to occur in people under the age of 65. However, research shows that most cases of Alzheimers are not linked to genetics.How prevalent is Alzheimer's?Before the age of 65, only 1 out of every 1,000 people develop dementia. The chance of having the condition rises sharply with age to 1 person in 20 over the age of 65. Over the age of 80, this figure increases to 1 person in 5.How does Alzheimer's disease progress over time?Alzheimers is a degenerative disease that progresses in stages from mild to moderate to severe. The disease usually starts with mild symptoms such as increasing forgetfulness, then progresses to general confusion and disorientation. Finally, Alzheimers patients end up with severe symptoms, such as an inability to communicate or care for themselves.Caregiver Support for Alzheimers Disease Caring for a loved one with Alzheimers disease can be difficult from both a physical and emotional perspective. Family caregivers can benefit from trusted resources to help them more effectively communicate with their loved one with Alzheimers. Having the right resources and information can help them learn to manage difficult behaviors like agitation and wandering and ensure safety and fall prevention in the home. At BrightStar Care, we can help connect you with resources to support family caregivers, including support groups, education and training. For those with family members in the early stages of Alzheimers, we offer respite care to help give you a much-needed break. And as their condition progresses, our team can match you with compassionate, qualified memory care professionals. Reach out today and let us know how we can help.To learn more please contact us at 303-300-6666.

Receiving medical treatment at home can be a comfortable and convenient option for many patients. Home infusion therapy allows individuals to receive necessary intravenous (IV) treatments in a familiar environment, reducing hospital visits while ensuring high-quality care.Home infusion therapy involves administering medication or fluids through an IV at home under the supervision of trained health care professionals. With the increasing demand for home health care services, this option is becoming a preferred choice for many individuals, from young children to seniors who require intermittent doses of IV therapy.What Can Be Treated with Home Infusion Therapy?Home infusion therapy is a medical treatment that delivers medications and fluids directly into the bloodstream via an intravenous (IV) line, allowing patients to receive important therapies without the need for hospital visits. This approach is beneficial for a wide range of conditions across all age groups, from children to seniors. It is particularly useful for managing chronic illnesses, infections, and nutritional deficiencies, providing a convenient and effective way to receive treatment in the comfort of home.Some of the most common conditions (Opens in a new window) treated with home infusion therapy include:Infections requiring repeat doses of IV antibioticsDehydrationNutritional support for individuals who cannot eat or digest food normallyChronic diseases like Crohns disease, rheumatoid arthritis, hemophilia and multiple sclerosisPain management through intravenous medicationCancer-related treatments, including chemotherapy and immunotherapyImmune deficiencies requiring IV immunoglobulin therapy (IVIG)Hormone therapyBenefits of Home Infusion TherapyReceiving IV therapy at home offers numerous advantages, making it an attractive option for many patients and their caregivers. It reduces the need for frequent hospital visits, reducing exposure to infections and minimizing the stress associated with travel. Additionally, home infusion allows patients to maintain many of their daily routines, promoting a better quality of life while undergoing treatment.Key benefits of home infusion therapy include:Convenience: Reduced need for hospital stays or lengthy outpatient visits, reducing time and energy spent on transportation and waiting rooms.Lower infection risk: Reduced exposure (Opens in a new window) to hospital-acquired infections may help protect those with weakened immune systems.Cost-effectiveness: Often more affordable (Opens in a new window) than inpatient treatment, potentially lowering overall health care expenses.Emotional well-being: Patients receive care in a familiar and comfortable setting, leading to less anxiety and a more positive treatment experience.Faster recovery: Allows patients to rest and recover in their own home, which can contribute to better treatment adherence and overall health outcomes.Family involvement: Loved ones can play a more active role in patient care, offering emotional support and assistance during treatments.Enhanced independence: Patients can continue many of their daily activities, work, or school schedules with minimal disruption while receiving necessary treatment.Medicare and Home Infusion TherapyMedicare covers specific home infusion therapies (Opens in a new window) under Part B and Part D, but understanding eligibility criteria is essential. Part B typically covers professional services, including nursing, monitoring, and patient education, when provided by a qualified home infusion therapy supplier.The Durable Medical Equipment (DME) benefit covers the infusion pump, supplies, and certain home infusion drugs administered via a pump.Part D may cover certain infusion drugs that are not covered under Part B or the DME benefit, depending on the specific medication and administration method.Key Medicare considerations for home infusion therapy:Coverage typically includes certain infused medications and associated nursing services.Patients must meet eligibility requirements based on medical necessity.Alternative payment options, such as private insurance or out-of-pocket payments, may be available for non-Medicare patients.Coverage for home infusion therapy under Medicare depends on factors such as the type of medication, its method of administration, and the involvement of qualified home health providers. Patients should check with their Medicare plan to determine their benefits and any potential out-of-pocket costs.The Role of Family Caregivers in Home InfusionFamily caregivers play a vital role in home infusion therapy, helping patients receive their treatments safely and effectively. They must be trained to manage infusion equipment (Opens in a new window), recognize potential side effects, and communicate with health care providers to address any concerns. Proper education and guidance help caregivers provide the best possible support to their loved ones.Responsibilities of home caregivers include:Monitoring the infusion site for signs of infection or complicationsEnsuring medications are administered correctly and on scheduleCommunicating with medical professionals about any concerns or changes in the patient's conditionLearning how to handle infusion equipment safely and effectivelyWhat to Expect During Home Infusion TherapyThe process of home infusion therapy begins with a consultation (Opens in a new window) between the patient and their health care provider to determine the best course of treatment. Once a plan is established, a trained nurse sets up the necessary equipment and administers the medication. Throughout treatment, the patients condition is closely monitored to ensure safety and effectiveness.Steps involved in home infusion therapy:(Opens in a new window)Initial consultation and prescription from a health care providerDelivery of infusion medications and supplies to the patients homeSetup of IV lines and infusion pumps by a qualified professionalMonitoring of vital signs and response to treatmentRegular updates to physicians and adjustments to care plans as neededCan a doctor prescribe IV fluids at home? Yes, physicians can prescribe home IV fluids if a patient meets the medical criteria for in-home treatment.Explore Your Options for Home Infusion TherapyHome infusion therapy is a valuable health care option that enhances patient comfort while providing essential medical treatments. By understanding the process, benefits, and considerations involved, patients and caregivers can make informed decisions. Those interested in learning more should explore available resources and speak with health care professionals to determine the best approach for their needs.If you or a loved one requires home infusion therapy, consider discussing your options with a trusted provider to ensure the highest quality of care and support.To learn more, reach out to a BrightStar Care representative.Home Infusion Therapy FAQsMany patients and caregivers have questions about how home infusion therapy works, its logistics, and what to expect. Below are answers to some of the most common concerns.How are medications and supplies for home infusion therapy delivered? Medications and necessary supplies are typically delivered directly to the patients home (Opens in a new window) through a specialized pharmacy or home health care provider.Can I travel while receiving home infusion therapy? Traveling while receiving home infusion therapy is possible but requires careful planning. Patients should consult their health care provider to arrange for medication supply (Opens in a new window) and identify health care facilities at their destination.What support is available for caregivers assisting with home infusion therapy? Caregivers can access educational resources, training, and support from health care providers to ensure they are prepared to manage home infusion therapy safely and effectively. To learn more call, us today at 303-300-6666.