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Many people believe that having a Will is all they need, and they don’t need an estate plan. Over the years we have worked with many families who only had a Will, and no provisions for needing care in a nursing home. As a result, the healthy spouse’s financial security was neglected and the family went broke.
Many of my clients who want to protect assets from long term care costs, own their houses in an asset protection trust. These are the top 6 reasons why our clients decide to use this trust…
They likely had family members nearby caring for them.
Statistically speaking, your odds of needing long term care are increasing. Estimates point to two out of three people who will need long term care in nursing homes in their 80’s. Nursing homes currently cost $15,000 a month, and they will cost even more 20 years from now. Asset protection is important, to avoid losing everything to long term care costs.
It’s also about planning for what happens if you get really sick. We’ve all been paying into this government system with the promise that when we turn 65, we will have healthcare. Unfortunately Medicare doesn’t pay for the single biggest health care expense that seniors face, which is custodial long term care in a nursing home.
If your health issue is acute, such as a heart attack, or you need surgery, or have cancer, and require acute care in hospital, Medicare will cover the costs of treatment. Whether my spouse and I are financially secure in our retirement years, depends on the healthcare issue either of us will have. This is often beyond our control, but what we can do is to prepare for all eventualities, by protecting our house with a trust.
If you’re a single person going to a nursing home, you’re allowed to own up to $8,000 of assets, a house and car. A couple with $100,000 in a retirement account, must spend that money on care in the nursing home. Once the money is gone you can apply for Medicaid benefits. However, your monthly income is used to pay for care, and you are only allowed to keep $45 a month for all your personal needs. We have a situation where seniors are going broke before they get Medicaid benefits. They’re allowed to own a house but if they have no money, they cannot pay property taxes, utility bills or maintenance costs.
Assuming your child is a power of attorney, they may sell your house to avoid paying the taxes and bills. However, this means you will now have cash which will result in you losing your Medicaid benefits. Not only do you lose your house, but you will need to spend the money on care. When you are broke, you are eligible for Medicaid benefits again. It is not obvious in the Medicaid rules that you will lose the house. The problem is that it becomes financially impossible to keep the house. Putting your house in a trust will protect it from being lost to Nursing home costs.
When somebody who passes away was on Medicaid, the executor is forced to sell the house. The proceeds are used to pay the state for the care the senior received in the nursing home. This is known as the Estate Recovery Program, and the claim in Pennsylvania is limited to someone’s probate estate. This means that if the assets go through the Will, it will be a probate case, and the state will have a claim against the house.
If your house is in the asset protection trust when you pass away, the state can’t get your house while it’s in the trust. Your kids will inherit the house if you go to a nursing home, or you pass away.
We don’t have to wait 12 months to make the distribution of the inheritance to the children. The distribution process usually happens after four to five months. This is because we don’t have to pay creditors. Usually, in probate cases, creditors can make a claim a year after the person has passed away. Once the creditors are paid, distributions are made to the heirs.
However, if you have money in the bank, you won’t need home equity. Giving up access to the equity, means the nursing home can’t access it either. You have protected your house, so you won’t lose it. If you or your spouse need long term care, the healthy spouse can still live at home.
There are opportunities to protect yourself, and that’s what we teach you at our Three Secrets Workshop. If you want to protect your assets, and you want the best plan for your family, we can help you! After attending our Three Secrets Workshop, most of our clients have participated in our Blueprint Workshop. As a result, many of our clients chose to work with us and put their houses into a trust.
Register to attend one of our upcoming free workshops. Our workshops are offered various dates/times and locations throughout the Greater Pittsburgh Area, call 724-564-6615 to learn of upcoming Workshops and to register. We will teach you about the estate planning tools you can use to do some good planning.
Struggling to catch those elusive zzzs? The solution may lie right in your kitchen. Certain nutrient-packed foods possess the power to gently lull you into a deep, restorative sleep, offering a natural alternative to sleep aids. From tart cherries to fatty fish, these 10 superfoods are your ticket to blissful slumber.Unlock the Sleep-Boosting Magic of KiwiThe unassuming kiwifruit is a treasure trove of sleep-enhancing nutrients. Rich in vitamins C and E, as well as potassium and folate, kiwis have been shown to help people fall asleep faster, sleep longer, and experience better overall sleep quality. Researchers believe this may be due to the fruits high antioxidant content, which can suppress inflammatory markers, as well as its ability to address folate deficiencies and provide a natural source of the sleep-regulating hormone serotonin.Tart Cherries: Natures Melatonin BoostWhile sweet cherries may be the more popular variety, their tart counterparts are the true sleep superstars. Tart cherries, also known as sour cherries, contain above-average concentrations of melatonin, the hormone that governs our circadian rhythms and sleep-wake cycles. Studies have found that drinking tart cherry juice can significantly increase total sleep time and sleep efficiency in individuals with insomnia. The fruits powerful antioxidant properties may also contribute to its sleep-promoting effects.Malted Milk: A Nostalgic Bedtime BeverageMalted milk, made by combining milk, wheat flour, malted barley, and a touch of sugar, has long been touted as a sleep-inducing nightcap. While the exact mechanisms are unclear, the unique blend of B and D vitamins, phosphorus, zinc, and magnesium in malted milk may work in harmony to help the body relax and unwind before bed. Additionally, the melatonin naturally present in milk may enhance the sleep-supporting benefits of this classic bedtime beverage.Salmon and Other Fatty Fish: Omega-3s for SlumberSalmon, tuna, and other fatty fish are not only delicious, but they may also be the key to better sleep. These nutrient-dense proteins are rich in vitamin D and omega-3 fatty acids, both of which play a crucial role in the bodys release and regulation of serotonin, a neurotransmitter essential for healthy sleep-wake cycles. A study found that people who consumed salmon three times a week experienced improved overall sleep quality and daytime functioning, particularly during the darker winter months when vitamin D levels tend to be lower.Nuts: A Handful of Sleep-Promoting NutrientsFrom almonds and walnuts to pistachios and cashews, nuts are a veritable treasure trove of sleep-boosting compounds. These crunchy snacks contain a unique blend of melatonin, omega-3s, magnesium, and zinc all of which work together to promote relaxation and facilitate restful sleep. In fact, a clinical trial involving older adults with insomnia found that a combination of melatonin, magnesium, and zinc supplements significantly improved sleep duration and quality.The Carbohydrate Connection: Rice for SlumberWhile the relationship between carbohydrates and sleep is a complex one, some research suggests that rice may be a particularly sleep-friendly grain. A study of Japanese adults found that those who regularly consumed rice reported better sleep quality compared to those who favored bread or noodles. The high glycemic index of rice may play a role, as research has shown that consuming high-GI carbohydrates a few hours before bedtime can aid in falling asleep. However, its important to note that not all carbohydrates are created equal, and sugary snacks and beverages have been linked to poorer sleep.Dairy Delights: Milk, Yogurt, and Cheese for SlumberDairy products, such as milk, yogurt, and cheese, are rich in a trifecta of sleep-promoting nutrients: tryptophan, calcium, and melatonin. Tryptophan is an amino acid that helps the body produce serotonin and melatonin, the hormones that regulate our sleep-wake cycles. Pairing dairy with carbohydrates, such as whole-grain crackers or granola, can further enhance the sleep-inducing effects by allowing the tryptophan to more easily reach the brain. Additionally, the calcium and vitamin D found in dairy products are essential for maintaining healthy sleep patterns.Leafy Greens: Magnesium-Packed PowerhousesLeafy greens like spinach, kale, and lettuce are true sleep superstars, thanks to their high magnesium content. Magnesium is a mineral that plays a crucial role in regulating the bodys stress response and promoting muscle relaxation, both of which are essential for quality sleep. In fact, just one cup of cooked spinach packs an impressive 39% of the daily recommended magnesium intake. Incorporating these nutrient-dense greens into your diet can help combat the common sleep-disrupting issue of magnesium deficiency.Bananas: A Potassium-Rich Bedtime TreatBananas are more than just a convenient on-the-go snack theyre also a sleep-promoting powerhouse. Rich in tryptophan, magnesium, and potassium, bananas can help relax the body and muscles, reducing sleep disturbances and promoting a more restful nights sleep. The fruits natural sweetness also makes it a perfect pairing with milk or yogurt for a soothing bedtime treat that can lull you into a deep slumber.Honey: Natures Sleep-Enhancing NectarDrizzle a spoonful of honey into your bedtime tea or smoothie, and you may just find yourself drifting off to dreamland with ease. Honey has the unique ability to raise insulin levels in the body, which in turn triggers the production of melatonin, the sleep-regulating hormone. This natural sleep-boosting effect makes honey a valuable addition to any sleep-supporting bedtime routine.Chamomile Tea: A Centuries-Old Sleep RemedyChamomile tea has long been revered for its calming, sleep-promoting properties, and for good reason. The herb contains antioxidants that activate receptors in the brains GABA complex, providing a gentle sedative effect that can help you drift off to sleep. Sipping a warm cup of chamomile tea before bed is a simple yet effective way to wind down and prepare your body for a restful nights sleep.The Sleep-Disrupting Culprits to AvoidWhile incorporating these sleep-promoting superfoods into your diet is a great start, its also important to be mindful of the foods and drinks that can sabotage your sleep. Steer clear of caffeine, especially in the afternoon and evening, as it can interfere with your bodys natural sleep-wake cycle. Alcohol, despite its initial sedative effects, can ultimately disrupt sleep and reduce REM sleep. Spicy, acidic, and fried foods can also cause discomfort and acid reflux, making it difficult to fall and stay asleep. By focusing on a balanced, consistent diet rich in these sleep-enhancing foods, you can harness the power of nutrition to cultivate a more restful and rejuvenating slumber. Remember, while individual foods and drinks may offer sleep-promoting benefits, the true key to better sleep lies in adopting a comprehensive approach that addresses both your dietary habits and overall sleep hygiene. Sweet dreams await!
Embarking on a journey towards better health doesnt always require drastic changes to your diet. Sometimes, its the small, thoughtful adjustments that can make a significant impact on your overall well-being. We understand that as you age, maintaining a balanced and nutritious diet becomes increasingly important. Thats why weve compiled a list of six simple food swaps that can help boost your nutrition without overhauling your entire eating habits.1. Breakfast Cereal vs. Steel-Cut OatsIf you often find yourself reaching for a box of breakfast cereal in the morning, consider steel-cut oats as an alternative. Steel-cut oats, also known as Irish oats, are minimally processed oat groats that have been chopped into small pieces. This minimal processing means they retain more of their natural nutrients compared to their rolled or instant counterparts. Rich in fiber, protein, and essential minerals, steel-cut oats offer a hearty and satisfying breakfast option that can keep you feeling full and energized throughout the morning.2. Canned Tuna vs. Canned SalmonOne of the most significant advantages of choosing canned salmon over tuna is its higher content of omega-3 fatty acids. These essential fats play a crucial role in maintaining heart health, supporting brain function, and reducing inflammation throughout the body. Sockeye salmon, in particular, is an excellent source of these beneficial fats, providing more omega-3s per serving than most canned tuna varieties.3. Iceberg Lettuce vs. Dark Leafy GreensWhile iceberg lettuce seems to be popular at salad bars across the country, a simple swap for a healthier salad is using dark, leafy greens as a replacement. Dark leafy greens like spinach, kale and collard greens, contain 9 times more vitamin A than iceberg lettuce. Greens also contain healthy amounts of fiber, folate and potassium.4. Low-Fat Yogurt vs. SkyrSkyr (pronounced skeer) is a cultured dairy product that has been a staple in Icelandic cuisine for centuries. Its made by incubating skim milk with live active cultures, then straining the whey, resulting in a product thats thicker and more concentrated than regular yogurt.The nutritional benefits of Skyr are truly impressive, especially when compared to low-fat yogurt. Skyr contains up to 17 grams of protein per 6-ounce serving, which is significantly more than low-fat yogurt. Since Skyr is a cultured dairy product, it contains probiotics that support gut health. Lastly, its low in sugar, which is great for those who are monitoring their sugar intake.5. White Bread vs. Whole Grain BreadThere are many different types of breads available in super markets, but the two most common types are white bread and whole wheat. While they are both made from grains, there are some key differences between the two types. Whole grain bread is made from wheat that has all components of the grain, the bran, the germ, and the endosperm. This means that whole wheat bread contains the healthy fats, minerals, and fiber. White bread is made from refined flour, which goes through a milling process that removes the bran and germ. Therefor, white bread lacks a lot of the nutrient properties of whole grain bread.6. Potato Chips vs. Baked SnacksPotato chips are fried in oil, which gives them a delightful texture- but unfortunately, more calories and fat. Baked snacks like pretzels, air-popped popcorn or veggie chips are cooked without any inflammatory oils, but can be just as satisfying. As you embark on this journey of healthier eating, keep these final thoughts in mind: Listen to Your Body: Pay attention to how these new foods make you feel. Everyones nutritional needs are different, so find what works best for you. Gradual Changes: Introduce these swaps gradually. This approach is more sustainable and allows your taste buds to adjust. Experiment and Enjoy: Dont be afraid to get creative with these new ingredients. Trying new recipes can make healthy eating an exciting adventure. Balance is Key: While these swaps offer nutritional benefits, remember that a balanced diet includes a variety of foods from all food groups. Consult Professionals: If you have specific health concerns or dietary restrictions, its always wise to consult with a healthcare provider or registered dietitian before making significant changes to your diet. By making these thoughtful swaps, youre not just changing whats on your plate; youre investing in your long-term health and well-being. Each meal becomes an opportunity to nourish your body with foods that not only taste good but also do good for your health.
As we age, maintaining our eye health becomes increasingly important. Our eyes are precious windows to the world, allowing us to experience lifes beautiful moments and connect with our loved ones. Just as we care for our overall health, its crucial to pay attention to the well-being of our eyes. One of the most effective ways to support our vision is through a nutrient-rich diet. In this article, well explore five superfoods that can help keep your eyes healthy and your vision sharp.Leafy GreensLeafy greens, like spinach, kale, and collard greens, are packed with vitamins and antioxidants that protect your eyes. Spinach is rich in lutein and zeaxanthin, which filter harmful light and protect eye cells. Kale offers more than 200% of your daily vitamin A, essential for retina health, while collard greens are high in vitamin K, which may reduce macular degeneration risk.Ways to add them: Toss spinach or kale in smoothies Use collard greens as wraps Saut with garlic and olive oil for a side dish Omega-3 Rich FishOmega-3 fatty acids in fish like salmon, sardines, and mackerel support retina health and reduce inflammation. Salmon is rich in DHA and EPA, which are key for retinal structure. Sardines, small but powerful, provide omega-3s, vitamin B12, and calcium. Mackerel also contains selenium, which protects eye tissues.Ways to add them: Grill salmon with vegetables Make a sardine salad Try mackerel on whole grain toast or crackers Vibrant Orange VegetablesOrange vegetables like sweet potatoes, carrots, and butternut squash are rich in beta-carotene, a precursor to vitamin A. This helps night vision and eye structure. Carrots also contain lutein and zeaxanthin, which protect the eyes from blue light. Butternut squash is high in vitamin C and E, antioxidants that combat oxidative stress.Ways to add them: Roast sweet potato wedges Add grated carrots to salads Blend squash into soups Nuts and SeedsNuts and seeds like almonds, sunflower seeds, and pumpkin seeds are rich in vitamin E, omega-3s, and zinc. Almonds protect against macular degeneration, while sunflower seeds help fight oxidative stress. Pumpkin seeds are high in zinc, crucial for retina function, and walnuts offer a plant-based omega-3 alternative.Ways to add them: Add nuts to oatmeal or yogurt Sprinkle seeds on salads Make homemade trail mix Colorful BerriesBerries like blueberries, strawberries, blackberries, and goji berries are packed with antioxidants that protect eye cells. Blueberries reduce cataract risk, while strawberries boost vitamin C, supporting blood vessels in the eyes. Goji berries may help reduce macular degeneration risk, thanks to their zeaxanthin content.Ways to add them: Top oatmeal with berries Blend into smoothies Snack on dried goji berries ConclusionBy adding these five superfoods to your dietleafy greens, omega-3 fish, orange vegetables, nuts and seeds, and colorful berriesyou support eye health and protect vision. A nutrient-rich diet, along with healthy habits like regular eye exams and hydration, can help you maintain clear vision for years to come. Treat your eyes with care and nourish them for a lifetime of healthy sight!
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.