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When an older person requires help with daily living, options range from residential facilities to in-home care. Typically, less expensive than care facilities, professional in-home care can benefit older adults by allowing them to remain in a home setting. Although some view staying in one’s home as favorable to nursing home care, recently released findings have shed light on the serious issues facing those who rely on in-home care.
A staggering 50 percent of all older adults using professional home care aren't getting the help they need, according to an analysis of the National Health and Aging Trends Study. Half of all adults who rely on home care don't have adequate help with showering, dressing, laundry, or cooking. Compared to those residing in facilities, older adults in in-home care are more likely to miss meals and medication and remain in soiled clothing for extended periods.
Older adults with in-home care were also nearly five times more likely than adults in living facilities to have persistent unmet needs. Fulfilling these needs may require care for longer durations or more complete care that addresses the full range of an adult’s needs, from laundry to food preparation.
The Effect of Stepfamily Relationships
While challenges can affect all older adults aging in place at home, the negative consequences can be more pronounced for those with stepfamilies. Societal changes have made stepfamilies more common, and one in eight older adults with mobility limitations now has a stepchild. Yet in comparison to older adults with only biological offspring, those with stepchildren are half as likely to receive help from their children, research shows.
Stepfamilies might see children’s attention divided between a greater number of parents. Adult stepchildren who never received care from their stepparents because, for instance, the marriage occurred later in life, might not feel obligated to help. Children might also feel closer bonds and a sense of responsibility to their biological parents.
Although biological children are more likely to help, even adults who lived with partners and had biological children still had unfulfilled needs when they remained at home.
Challenges Facing People With Dementia Who Receive Home Care
Like those with stepchildren, low-income individuals with dementia are also more susceptible to the inadequate in-home care. Many older adults with dementia are dual enrollees in Medicaid and Medicare and, consequently, have fewer assets to cover in-home services. They also have less family support.
Individuals with dementia are twice as likely to have unmet needs compared to older adults without dementia who utilized in-home care. Many older adults with dementia couldn't afford sufficient in-home care and had less family support to fill in the gaps in care.
Older adults evaluating the benefits and drawbacks of different care options should speak with us to help them assess their unique needs and plan for their care.
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.
Many married couples share almost everything, including finances. This may be reflected in their estate plan by using one joint living trust instead of two separate trusts. Separate trusts can provide greater flexibility, but a joint trust can be structured so that when one spouse passes away, the trust is split into two sub-trusts: a survivors trust and a decedents trust. This arrangement provides the surviving spouse with the same versatility that separate trusts offer. The surviving spouse has full control over their survivors trust, but may have limited control over the deceased spouses accounts and property that make up the decedents trust. Decedents Trust and a Survivors Trust A survivors trust is a middle ground between a joint trust and separate trusts. If a couple chooses to combine their assets (accounts and property) into a joint revocable living trust, both spouses will usually be named as trustees and beneficiaries. The joint trust can further stipulate that when one spouse passes away, the trust divides into subtrusts. One of those subtrusts can be a survivors trust. A second subtrust, the decedents trust, will also be created to hold and manage assets owned by the decedent. How a Survivors Trust Works A typical joint trust arrangement lists four types of property, depending on the state in which you live: Joint assets Community property First spouses separate property Second spouses separate property When the first spouse dies, the survivors trust receives one-half of the community property, one-half of the joint property, and all property identified as the separate property of the surviving spouse. The deceased spouses half of the community property and joint property, along with their separate property, may be funded into the decedents trust with its own set of instructions. The trust agreement could also state that all of the deceased spouses property will go into the survivors trust instead of going into a separate subtrust. Reasons to Have a Survivors Trust Regardless of exactly how the joint trust assets are allocated, a crucial distinction is that a survivors trust is revocable, while the decedents sub-trust is irrevocable. This means that the surviving spouse retains full control over the survivors trust. They can alter the terms of the trust however they want. For example, they can add and remove assets, change beneficiaries, appoint new trustees, or terminate the trust. The surviving spouse can also completely change the terms of the survivors trust in its entirety. While the surviving spouse may be the beneficiary of the decedents trust, the surviving spouse will likely have less control over the management of assets in the decedents trust. This allows the deceased spouse to put protective measures in place while they are alive to make sure that their assets are managed the way they want and that someone cannot change the rules after they pass away. This can be helpful for clients who are worried about their spouse remarrying after their death and to ensure that assets that remain at the surviving spouses death go to a predetermined person. The purpose of any trust is to take care of loved ones and protect assets from costly probate and taxes. To discuss an estate plan that meets your goals, please schedule your appointment with our Estate Planning attorneys - 724-375-4005.
Understanding the financial aspects of home care is crucial for many families. Its about knowing your options, who to talk to, and where to begin. At Amazing Care, were here to help you navigate through the maze of home care payment options, ensuring you make informed decisions regarding paying for home care services.Home care, an essential service for many, can sometimes be a financial burden. However, with the right information and resources, you can find ways to manage these costs effectively. Amazing Care offers several payment options to alleviate this burden.Medicaid: A viable option for those who meet certain income and health requirements. Amazing Care accepts Medicaid for qualifying services, providing a lifeline for many in need of home care without the financial means to afford it out-of-pocket. For more detailed information on how you can utilize Medicaid for services at Amazing Care, visit our Medicaid payment options page.Medicare: Typically, Medicare covers medically necessary home health care services. If you or your loved one is a Medicare beneficiary, you might be eligible for coverage of Amazing Cares services. This includes nursing care, physical therapy, and more under certain conditions outlined by Medicare guidelines. To understand how Medicare can help cover your home care needs with Amazing Care, check out Amazing Cares Medicare guide.Private Insurance: Home care covered by insurance is available, and many private health insurance policies include home care services. Coverage details can vary widely, so its essential to contact your insurance provider to understand the specifics of your policy. Amazing Care works with numerous private insurance plans, assisting you in maximizing your benefits. For insights on navigating private insurance with Amazing Care, visit our private insurance payment options page.Starting this journey can be overwhelming, but youre not alone. The first step is to contact Amazing Care to discuss your needs and payment options. Our team is dedicated to guiding you through the process, ensuring you access the care you need without undue financial stress. By exploring Medicaid, Medicare, and private insurance options, youll find a path to covering the costs of home care. Questions, please contact us at 303-755-3170.
Pennsylvania Probate: What You Need to Know After the Passing of a Loved OneIf you are here to learn about Pennsylvania probate laws after the passing of a loved one, we first want to extend our sincere condolences. We understand that this is a difficult time, and we hope the information on this page provides clarity and helps minimize the legal and administrative challenges you may otherwise face.What Is Probate in Pennsylvania?Probate in Pennsylvania is a court-supervised legal process that ensures the transfer of assets from a deceased individual to their rightful heirs or beneficiaries. This process is essential for: Proving the validity of a will Appointing an executor (if there is a will) or an administrator (if there is no will) Inventorying and appraising estate property Paying outstanding debts, estate taxes, and creditors Distributing assets as directed by the willor by Pennsylvania intestacy laws if no will existsIn Pennsylvania, if a deceased person owned real estate or assets solely in their name, their estate must go through probate before assets can be legally distributed.The Downsides of Pennsylvania Probateand What You Can Do NextMany residents in Allegheny County, Butler County, Beaver County, Washington County, and Westmoreland County have heard that probate is a lengthy, expensive, and public process. Unfortunately, this is truewithout proper estate planning, probate can be costly and time-consuming.The best way to avoid probate in Pennsylvania is to plan ahead using strategies such as revocable living trusts, beneficiary designations, and joint ownership structures. However, if you are already in a position where probate is required, the best thing you can do is educate yourself and seek experienced probate legal assistance to complete the process as efficiently and cost-effectively as possible.How Is a Probate Case Started in Pennsylvania?Probate can be initiated by any beneficiary or creditor, but most often, the process begins when the Executor named in the will files the original will and a petition with the Pennsylvania probate court.If there is no will, a close relative of the deceased (such as a spouse, child, or sibling) typically files the petition to become the Administrator of the Estate.Choosing the Executor for a Pennsylvania EstateIf a valid will exists, the individual named as Executor will handle the probate processif they are eligible and willingIf no Executor is available or no will exists, any interested party (such as a family member) can petition the Pennsylvania Orphans' Court to be appointed as the Administrator of the Estate.Executor Compensation in PennsylvaniaUnder Pennsylvania probate law, Executors and Administrators receive compensation based on a percentage of the total probate estate value. This is designed to fairly compensate them for their time and effort in managing estate matters.However, Executors can be held personally liable for any mistakes made during the process. Given the complexity of Pennsylvania probate rules, its critical to work with a skilled probate attorney to avoid legal pitfalls.Do You Need to Go Through Probate If a Trust Exists?In most cases, no. If the deceaseds assets were properly titled in the name of a trust, probate is not required. Instead, the successor trustee will work with an estate planning lawyer to administer the trust and distribute assets.However, many families are surprised to learn that simply having a trust does not guarantee that probate will be avoided. Common mistakes include: The trust was not updated over time to reflect new assets. The decedents assets were never properly transferred into the trust.To ensure your estate plan works as intended, its important to work with an estate planning attorney who provides ongoing trust maintenance and reviews.Which Assets Are Subject to Probate in Pennsylvania?Assets that must go through probate include: Real estate, bank accounts, or investments owned solely in the deceaseds name Personal property and valuable assets without a beneficiary designationAssets that bypass probate include: Jointly owned property with Right of Survivorship Bank accounts or investment accounts with Transfer on Death (TOD) or Payable on Death (POD) designations Life insurance policies and retirement accounts with named beneficiariesHowever, some assets that normally bypass probate can still become subject to the process under certain circumstances. Consult with a Pennsylvania probate attorney to determine if probate applies to your specific situation.How Pennsylvania Intestacy Laws Distribute an Estate When There Is No WillIf no valid will exists, Pennsylvania intestacy laws dictate how the estate will be distributed:1 Spouse (If married, a portion or all of the estate goes to the spouse)2 Children (If the deceased had children, they inherit next)3 Parents (If there are no children, parents inherit)4 Siblings (If no spouse, children, or parents, siblings inherit)This highlights the importance of estate planningwithout a will or trust, the state determines who receives your assets.How Long Does Pennsylvania Probate Take?The timeline for Pennsylvania probate varies depending on the estates complexity. On average: Minimum of 12 months for simple cases Up to 2+ years for complex estates, disputes, or tax-related mattersWhat Are the Costs of Probate in Pennsylvania?Probate costs in Pennsylvania include: Attorneys fees (Based on estate size and complexity) Court filing fees Executor fees (set by Pennsylvania law) Appraisal and valuation fees Publication and administrative costsIn more complex estates, additional fees may apply, increasing probate expenses and delays.How to Choose the Right Pennsylvania Probate AttorneySelecting the right probate lawyer in Pennsylvania is crucial. Many general practice lawyers dabble in probate law, but only experienced probate attorneys have the knowledge to navigate complex estate matters efficiently. You do NOT have to use the attorney who prepared the will. You have the right to choose a specialized probate lawyer who understands the nuances of Pennsylvania estate law and can expedite the process. Avoid costly mistakes. Working with an experienced probate attorney prevents errors that could increase costs, cause delays, or result in legal disputes.Contact Entrusted Legacy Law for a Complimentary Pennsylvania Probate ConsultationIf youre ready to begin the probate process in Pennsylvania, our Allegheny County and Butler County probate attorneys are here to guide you.Call us at 412-347-1731 to schedule a complimentary 15-minute consultation to determine your next best steps.During your consultation, we will: Answer your probate-related questions Provide guidance on estate administration Help you navigate the Pennsylvania probate process efficientlyWe are here to relieve the legal and administrative burden during this difficult time and ensure that your loved ones estate is handled with care.
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.