Navigate Life’s Moments with Confidence

Posted on

Jan 05, 2019

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At the law office of Beth Prather, you will find a team ready to help you through some of lifes most difficult moments.

Beth Prathers credentials as a board certified elder law attorney with expertise in the areas of estate planning, probate, trusts, guardianship, Medicaid, and VA planning bring clients through the door. Her down-to-earth approach and skill at communicating in a manner that can make sense out of difficult topics keep clients coming back.
Beth is passionate about helping older adults create a proactive plan for successful retirement: a plan which gives them peace of mind. She treats clients with respect and dignity while navigating them through difficult conversations to get at what matters most to them for their care.
Her undergraduate math major and MBA both complement her legal knowledge as she skillfully maps ways for clients to stretch resources to pay for care at each step in their journey. Her thoroughness and analytical skills are essential to draft critical legal documents and help clients develop the comprehensive plan for care they are likely to need throughout their life journey.
When Beth is not hard at work at the office, she strives to make her analytic skills work in her favor on the golf course.

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How Much Does Estate Planning Cost?

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Behind the Scenes of Professional Caregiving

Professional caregiving is a noble and gratifying career that requires dedication, compassion, and a commitment to providing quality care and support to aging, ill, and disabled individuals. While the role of a caregiver may seem straightforward to the uninitiated, a lot goes on behind the scenes that shapes the day-to-day experiences of these essential healthcare workers. Read on to explore what it means to be a professional caregiver in Cape Coral, including caregivers who work through a caregiving agency.Common Professional Caregiving Job TitlesNearly five million strong, professional caregivers work in a wide variety of settings, including hospitals, clinics, residential care facilities, and private residences. There are several different types of professional caregivers, each specializing in a specific area of care to meet the diverse needs of their clients.Here are some of the more common ones:Home Health Aides (HHAs): While working with nurses and therapists, these professionals provide personalized care and support to individuals in their homes. HHAs assist with activities of daily living (ADLs), such as bathing, dressing, meal preparation, and medication reminders.Certified Nursing Assistants (CNAs): CNAs work under the supervision of registered nurses to provide basic healthcare services to patients in hospitals, nursing homes, and other healthcare environments. A CANs responsibilities may include feeding and mobility assistance, personal care, and monitoring client vital signs.Personal Care Aides (PCAs): PCAs offer non-medical assistance to individuals with disabilities or chronic conditions. 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What Does Homeowners' Insurance Cover?

For those who own a home in Florida, having a good grasp of homeowners' insurance is essential. It not only offers peace of mind but also safeguards one of your most significant investments. At LP Insurance Solutions, we specialize in guiding you through the intricacies of homeowners' insurance. This detailed guide will address common queries like what homeowners' insurance entails, its cost implications, and specific information on typical damages. Let's review the fundamentals of homeowners' insurance to ensure you're well-informed and adequately shielded.What Does Homeowners Insurance Cover?Homeowners' insurance is created to protect against various risks and damages that your property may encounter. The coverage usually encompasses: Dwelling Coverage: This safeguards the structure of your house, encompassing the roof, walls, and installed appliances. Should perils like fire, windstorms, or hail cause damage to your home, dwelling coverage assists in covering repair costs or reconstruction. Other Structures Coverage: This segment of the policy addresses structures not connected to your home, such as detached garages, sheds, or fences. Personal Property Coverage: This insurance safeguards your personal possessions within your house, such as furniture, electronics, clothes, and other items. If any of these belongings are stolen or damaged due to a covered incident, this coverage assists in replacing them. Liability Protection: This is essential in case someone gets injured on your property or if you accidentally harm someone else's property. It covers legal expenses and potential settlements. Additional Living Expenses (ALE): In the event that your home becomes uninhabitable due to a covered incident, ALE covers the expenses for temporary housing, food, and other living costs while your home is being repaired. For more details on the specific coverages, visit our homeowners' insurance coverage page.How Much is Homeowners Insurance?The cost of homeowners' insurance can vary depending on several factors: Location: Living in Cape Coral, Florida, near the coast can impact premiums due to the risks associated with hurricanes and flooding. Home Value and Construction: The size, age, and building materials used in constructing your home significantly influence insurance costs. Coverage Limits and Deductibles: Higher coverage limits and lower deductibles lead to higher premiums. Personal Factors: Your credit score, claims history, as well as safety features like security systems and smoke detectors, can affect the overall cost of insurance. On average, Florida homeowners could expect to pay between $1,500 and $3,000 per year for a standard insurance policy. However, the actual cost may vary significantly depending on the factors mentioned earlier. To get a more accurate quote, visit our homeowners' insurance cost page or contact LP Insurance Solutions.