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It’s an unpleasant thought, but death is a reality we all
must face. One way to cope with the loss of a loved one is to be prepared for
their final send-off. Funerals are expensive. For Medicaid recipients and their
families, it’s unlikely they will have the money to cover them when the time
comes.
Many people are unaware that there is coverage to help
families lay their loved ones to rest. Depending on your state, Medicaid may
cover some funeral costs and other final expenses.
How Much Does an Average Funeral Cost?
In 2021, the average cost of a funeral, including viewing
and burial, was $7,848, according to the National Funeral Directors
Association.
The average cremation cost with a service was
$6,970.
Does Medicaid Pay for Cremation?
If a person doesn’t have life insurance and is a Medicaid
recipient, burial or cremation costs could bankrupt a family. Most people need
as much help available when facing such a massive expense.
Fortunately, Medicaid recipients may receive assistance with
either burial or cremation. It’s unlikely that the assistance will cover the
entire service, but alleviating some of the cost is still an advantage.
How to Access Medicaid Funeral Assistance
Access to Medicaid funeral assistance varies depending on
the state. While there isn’t an official checklist applicable to every state,
here are some general tips that may help you obtain government assistance for a
loved one’s final expenses:
Thinking Ahead: Alternatives That Help Pay for Funeral
Expenses
During your lifetime, even if you aren’t a Medicaid
recipient, there may be other ways to make sure your own final expenses – or
that of a loved one – are taken care of. Here are a couple of ways to help
allocate money toward the funeral service, burial, or cremation:
Learn More About Medicaid Funeral Assistance
If you are beginning to plan for a loved one’s funeral and have no idea where to start, speaking to an experienced attorney in your area is a good first step.
Fear and greed are hard to overcome. Why do we let these emotions control our decision-making process when it comes to our financial well-being? Do we fear that when there is a market correction it is a sign of impending global doom? As a part of our emotional make-up, we have a tendency to linearly extrapolate. When things are going bad, they will only get worse, and when things are going well, they will only get better. We know that our past experiences tell us neither scenario is true, but we continue to fall into the same trap time and time again.At some point we have to come to the realization that market movements are part of the investment process, and the only way to prosper long-term is to eliminate the emotions that will make us buy high and sell low. The way to control emotions is to have a disciplined approach. Discipline puts us in control, not our emotions.Controlling our emotions helps us in all facets of life, and is a key element in understanding the Psychology of Investing. Investment decisions are similar to decisions regarding friends and family. Dont try to resolve an issue when emotional, BE DISCIPLINED. The Psychology of Investing is nothing more than an understanding of the emotions that influence our decisions. Buying high and selling low is not the inverse of buying low and selling high, but is an actualization of our emotions. Be disciplined in your decision making. Use fact and reason to the best of your ability and endeavor to understand, and by understanding, control your emotions. The Psychology of Investing is the first chapter in a book titled The Ten Commandments of Investing, a book that offers a unique perspective on investing by Al Weber, Senior Vice President at Raymond James. It is available in electronic format, at no charge, by requesting it at Katie.Burr@RaymondJames.com. Editors Note: This article was submitted by Erin Weber, CFP. Erin is a Financial Advisor with the Weber Group of Raymond James. She may be reached at 878.208.1285 or Erin.Weber@RaymondJames.com.Raymond James & Associates, Inc., member New York Stock Exchange/SIPC800 Cranberry Woods Drive, Suite 200, Cranberry Township, PA 16066Any opinions are those of Erin Weber and not necessarily those of Raymond James. This material is intended for informational purposes only. It is not a substitute for professional medical advice, diagnosis, or treatment. See ad on page 112.
The search for the right primary care doctor can feel overwhelming. Many patients express frustration with long wait times, short visits, and difficulty accessing their physician when they need them most. In todays fast-paced healthcare environment, finding a doctor who prioritizes patient care is more important than ever. One emerging alternative is Direct Primary Care (DPC), a model that shifts the focus back to the patient by eliminating insurance hassles. Instead of dealing with copays and billing, patients pay a flat monthly fee for direct access to their doctor, longer appointment times, and a more personalized healthcare experience. Availability and Access How long will it take to get your first appointment? Some traditional practices have months-long waits. In contrast, DPC providers typically offer initial visits within a week, ensuring you receive care when you need it. Office Experience Time spent in the waiting room can be a major frustration. In conventional practices, patients may wait an hour or more before seeing the doctor. DPC practices prioritize efficiency, often reducing wait times to just minutes. Time With Your Doctor Short, rushed appointments can leave patients feeling unheard. In many traditional offices, physicians are booked in 15- to 20-minute intervals, limiting discussion time. DPC physicians often schedule longer visits sometimes up to an hourallowing for in-depth conversations, thorough exams, and more thoughtful treatment plans. Communication and Follow-Up Reaching your doctor can be a challenge. Many patients endure long hold times or leave messages that go unanswered. In the DPC model, direct communication is key. Patients often have access via phone, email, or text for prompt, personalized care. Urgent Needs Medical concerns dont always arise during business hours. Traditional practices may not offer same-day visits, pushing patients toward urgent care or ERs. DPC providers aim to accommodate same- or next-day appointments, reducing unnecessary trips and ensuring continuity of care. Choosing a primary care doctor is personal. Look for a physician who is experienced, accessible, compassionate, and committed to your well-being. Asking the right questionsand exploring models like DPCcan lead to a more satisfying healthcare experience. Editors Note: This article was written by Dr. Rebecca L. Byard, Family Medicine Doctor with Direct Care Physicians of Pittsburgh. She can be reached at 412-892-9170 or visit their website at wwwdirectcarepgh.com. See ad on pages 2-3.
Estate Planning for Everyone You Love and Everything You OwnHave you ever considered what would happenlegally and financiallyto you, your family, your assets, and everything you care about if the unexpected were to occur?If your estate plan is outdated or non-existent, your assets could be lost to the State Department of Unclaimed Property, subjected to an expensive and time-consuming probate process, or even end up in the wrong hands. Without a comprehensive estate plan, your loved ones may face unnecessary financial hardship, legal disputes, or court intervention at a time when they need certainty and protection the most.If you dont know exactly what would happen to everything you own and everyone you love, the first step is to gain clarity. You need to understand how your current estate plan (or lack thereof) will impact your family so you can make informed decisions about whether it truly aligns with your wishes.How Entrusted Legacy Law Helps You With Estate PlanningWe offer customized estate planning solutions designed to protect your family, preserve your wealth, and ensure your wishes are honored. Through our Life and Legacy Planning Session, we take the time to educate you on the legal, financial, and personal implications of your estate choices.Step 1: The Life and Legacy Inventory & AssessmentBefore your Life and Legacy Planning Session, you will complete a comprehensive estate inventory that outlines your financial assets, real estate holdings, retirement accounts, life insurance policies, and other valuable property. This step ensures that we have a full picture of your estate and can identify potential gaps in your asset protection strategy.Step 2: Creating a Personalized Estate PlanIf you decide that your current estate plan is inadequateor if you dont have one at allwe will work together to design a legally sound and strategically structured estate plan that meets your familys unique needs. The foundation of your estate plan will often include a revocable living trust, which allows you to transfer your assets into the trust while maintaining control during your lifetime.Benefits of a Revocable Living Trust: Avoid Probate Prevents the time-consuming and expensive court process that could otherwise delay asset distribution. Minimize Estate Taxes Helps reduce tax liabilities and protect your wealth for future generations. Ensure Privacy Unlike a will, which becomes public record, a trust ensures your estate remains private. Maintain Control Dictate how and when your assets are distributed to your heirs.For families with complex financial portfolios, business ownership, or special circumstances (such as blended families or special needs children), we offer advanced estate planning strategies tailored to your specific goals.Can You DIY Your Estate Plan?Many people wonder if they can create an estate plan using online templates or generic legal services. Unfortunately, most DIY estate plans fail when families need them the most. What often passes for "estate planning" is nothing more than basic document generation, where you answer a few questions and receive a generic template that may not fully protect your assets or your loved ones. No Personalization A generic template cannot address your unique family dynamics, financial situation, or specific legal concerns. Legal Loopholes Improperly structured wills or trusts may be contested in court, leaving your family in legal disputes. No Ongoing Maintenance Estate laws change, and without updates, your plan may become outdated and ineffective.At Entrusted Legacy Law, we dont just draft documentswe provide comprehensive estate planning services that ensure your estate plan actually works when it matters most. We take the time to understand your familys needs, educate you on your options, and create a legally enforceable, tax-efficient, and conflict-free estate plan that gives you peace of mind.Protecting Families & Minor Children Through Estate PlanningIf you are a parent with young children, your estate plan should begin with a solid foundation that ensures your children will always be taken care of, no matter what happens. Without the proper legal protections in place, your children could end up in the custody of someone you wouldnt have chosenor worse, under state guardianship.At Entrusted Legacy Law, we specialize in estate planning for families with minor children. We help parents:Name Legal Guardians Ensure your children are raised by trusted individuals of your choosing.Set Up Trusts for Minor Children Prevent financial mismanagement by appointing a responsible trustee to oversee assets.Establish Emergency Plans Provide clear instructions for immediate care in case of sudden incapacity or death.Whether youre planning for minor children, adult dependents, elderly parents, or a complex estate, we can guide you through the estate planning process with personalized strategies to protect your familys future.Secure Your Legacy With Entrusted Legacy LawEstate planning isnt just about who gets whatits about ensuring that your loved ones are financially secure, legally protected, and prepared for the future.If you want to create a comprehensive estate plan that reflects your wishes, avoids probate, minimizes taxes, and keeps your loved ones out of court and out of conflict, then now is the time to take action Contact Entrusted Legacy Law today to schedule your Life and Legacy Planning Session and take the first step in protecting your family, your assets, and your future.
Comprehensive Special Needs Estate Planning & Special Needs Trusts in PennsylvaniaEstate planning for families with special needs children presents a unique set of financial, legal, and healthcare challenges that require the expertise of a special needs planning attorney. Not all estate planning lawyers understand the intricacies involved, but the experienced special needs estate planning attorneys at Entrusted Legacy Law are dedicated to ensuring your child with special needs is fully protected when you are no longer able to serve as their primary caregiver.We provide a full range of estate planning services tailored to families with special needs children in Pennsylvania. Our goal is to help you preserve assets for your childs future care while ensuring they remain eligible for essential government benefits like Medicaid and Supplemental Security Income (SSI). We assist in setting up special needs trusts (SNTs) to safeguard financial resources, appointing legal guardians and trustees, and identifying long-term care options to ensure your child receives the best possible support and housing solutions.Special Needs Trusts & Asset ProtectionOne of the most significant challenges in special needs financial planning is ensuring that your child has adequate resources without jeopardizing their eligibility for public assistance programs. Many families unknowingly risk disqualifying their child from essential benefits by leaving them a direct financial inheritance. Instead, the best strategy is to establish a special needs trust to provide financial security while preserving their access to Medicaid, SSI, and other government assistance programs.A properly structured special needs trust allows funds to be used for supplemental expensessuch as medical care, therapy, education, and personal carewithout affecting eligibility for disability benefits. However, the regulations governing these trusts are complex. Funds must be managed by a designated trustee and cannot be distributed directly to the beneficiary, as this could trigger disqualification from public benefits. Additionally, a child's needs evolve over time, making it critical to have a trust that can adapt to changing circumstances and legal requirements.By working with an experienced Pennsylvania special needs attorney, you can ensure that your childs special needs trust is legally sound, structured correctly, and customized to their specific requirements.Special Needs Planning for Families in PennsylvaniaAt Entrusted Legacy Law, we specialize in estate planning for children with disabilities, including Down syndrome, autism, cerebral palsy, and other developmental or intellectual disabilities. Our firm helps families create a comprehensive life care plan that provides financial security while safeguarding access to government benefits and essential support services.Whether you need help establishing a special needs trust, securing a legal guardian, or planning for long-term care and housing, our Pennsylvania special needs planning attorneys are here to guide you through every step of the process.Contact Entrusted Legacy Law today to start creating a sustainable, secure future for your child with special needs.
Our Firm Prepares You for Life What makes our firm different is that we were built with the needs of growing families in mind. We understand you are BUSY, you are growing, you are planning for a life of prosperity and you value ease, convenience and efficiency. You are raising children, and caring for elderly parents, while also working hard to build your own nest egg for a lifetime of support. You want to know youve made the best decisions for your family and that your plan will work when your loved ones need it most. You want to make sure your minor children would be raised by the people you choose, and never by anyone you wouldnt want, and that your teens and adult children are properly prepared to care for you and what you leave behind. You want to feel confident that youve made the right choices, and handled everything so that you arent leaving behind a mess, when something happens. That is our focus as well. Weve developed unique systems to give you the same access to a Personal Family Lawyer as was previously only available to the super-wealthy, so you can have the guidance you need to build and maintain a life of prosperity and wealth. And, to keep your family out of court and out of conflict, which is the greatest risk to the people you love and all you have created, even if youve already worked with a traditional lawyer or created documents online. Our Team Is Here for You We encourage communication with our clients. In fact, weve thrown out the time clocks so you never have to be afraid to call with a quick question. Everything we do is billed on a flat-fee basis, agreed to in advance, so there are never any surprises. We have a whole team to serve you. When you call our office to ask your quick question, you wont have to wait hours or days for a phone call back. Youll get your question answered, right away. And, if you need to schedule a more in-depth legal or strategic call with your Personal Family Lawyer, a call will be scheduled when you're both available and ready for the call so we can make the very best use of your time and not waste your time by leaving voicemail after voicemail back and forth. And, we ensure the most important details of your planning are followed through on and your plan continues to work throughout your lifetime. We have a funding coordinator to ensure your assets are owned the right way throughout your lifetime and none of your assets will end up going through a long, expensive court process or being lost to the state because they were missed after your death. Weve created unique membership programs to keep your plan up to date year in and year out as well as give you access to our Trusted Team of Legal Experts for guidance on ANY legal or financial matter. One day you will need a lawyer. I dont know why and I dont know when, but when you do, you will be grateful you can call on us and well be here to advise you or get you out of a jam. We Help You Transfer Your Life and Legacy Lastly, we believe your financial wealth is only a small part of your overall Life and Legacy Planning which is made up of your far more valuable and most often lost upon incapacity or death intellectual, spiritual and human assets. These assets are what make you who you are, and sum up whats most important to you. And, a survey of inheritors has revealed that what they care about even more than inheriting your money, is inheriting these intangible assets. Most estate plans only focus on the transfer of your financial wealth to the next generation. Most people have such great intentions of passing on the intangible, but very few ever get around to it. Its just not a priority, until its too late. How much do you know about your grandparents values? Their most prized personal possessions? How they felt about you? What they had learned during their lifetime? If you are like most people, you know very little. Thats why we build the capture and passage of these most valuable assets into every estate plan we create. Not only will we help you pass on your money, but also your values, your insights, your stories and your experience the truly valuable assets your loved ones care about the most. Weve developed a tool that allows us to capture and pass on your whole family wealth, including your Intellectual, Spiritual and Human assets. I cant go into all of the details here, but well definitely talk about it when you come in for your Life and Legacy Planning Session.