Receiving a denial at the pharmacy for a drug you need can be a stressful experience. When Medicare declines to cover a prescription, some might worry that they cannot afford the medicine out of pocket. Others might also need the treatment immediately and become concerned that the lack of coverage will adversely affect their health.
Medicare can initially refuse to cover prescriptions for a variety of reasons, such as when your plan doesn't typically include your medication on its roster of covered drugs. Still, you have the right to ask your plan to cover the treatment you need and request an appeal if you disagree with your plan’s decision not to include your medication.
Steps to Take Following a Prescription Denial
If your plan doesn't cover a drug, inform the health care professional who prescribed it. Your prescriber might be able to find an alternative medication that your plan includes. For instance, you might be able to switch from a name-brand medicine to a generic one.
In the event that there's no viable replacement for the medication or you aren't satisfied, you have the right to ask Medicare for an exception so that your plan covers the medicine. Your prescriber can also advocate for you and reach out to Medicare on your behalf.
As a Medicare beneficiary, you have the right to receive a coverage determination outlining the reasons for the rejection, and you have the right to ask for an exception.
While asking for an exception, it's helpful to have the support of your doctor or the person who prescribed the medicine. For instance, your doctor may help your case by writing a letter explaining why you need the medication.
If, following your request, Medicare refuses to cover the medicine, you can appeal or appoint a trusted medical professional as your representative to appeal on your behalf.
There are five levels to the appeals process. To begin this process, you can have Medicare issue a redetermination of your plan and then ask an Independent Review Entity to revisit it.
The Office of Medicare Hearings and Appeals (OMHA) examines coverage decisions for drugs that meet a minimum value, and the Medicare Appeals Council reviews the judgments of OMHA. The medicine must cost at least $180 for an OMHA assessment. To reach this amount, appellants can combine the values of multiple drugs.
When coverage denial persists, beneficiaries can appeal to the federal district court. To reach the federal district court, the minimum value of the treatments must be $1,760 as of 2022.
How to Respond If You Need the Medication Immediately
Those who need the medication urgently can request an expedited appeal and receive a decision on the exception request within 72 hours. Medicare’s failure to cover your treatment must compromise your life, health, or ability to regain maximum function.
For assistance with appealing a coverage denial, speak with an attorney who understands Medicare’s appeal process.
Medicare is a federal program designed to provide health coverage for individuals aged 65 and older, as well as those with certain disabilities. As the Medicare system can be complex and confusing, effective Medicare planning is crucial for ensuring you get the coverage you need at an affordable cost. For residents of Dallas, Texas, understanding your options and choosing the right plan is essential for maintaining your health and financial well-being.In this guide, we will discuss the key aspects of Medicare planning in Dallas, the different Medicare plans available, and how you can make informed decisions about your healthcare coverage.Why Medicare Planning MattersMedicare planning is essential because the program offers multiple plan options, each designed to meet different healthcare needs. Without proper planning, you might end up with coverage that doesn't fully meet your needs or costs you more than necessary. Whether you're approaching retirement or have already begun using Medicare, understanding the nuances of the program can save you money and stress.Effective Medicare planning involves selecting the right plan for your healthcare needs, reviewing your options annually, and ensuring youre not paying more than you should for coverage.Types of Medicare Plans Available in DallasMedicare is divided into different parts, each covering specific services. Heres an overview of the different types of Medicare coverage:Original Medicare (Parts A & B): Original Medicare includes two parts:Part A (Hospital Insurance): Covers inpatient care, skilled nursing facility care, hospice care, and some home health care.Part B (Medical Insurance): Covers outpatient care, doctor visits, preventive services, and some medical supplies.Medicare Advantage (Part C): Medicare Advantage plans are offered by private insurance companies and combine coverage from Part A, Part B, and often Part D (prescription drug coverage). These plans often include extra benefits like dental, vision, and hearing care. Medicare Advantage plans may also have network restrictions, so it's important to check if your preferred doctors and hospitals are included.Medicare Prescription Drug Plans (Part D): These plans help cover the cost of prescription medications. Part D plans are offered by private insurance companies and can be added to Original Medicare or included in a Medicare Advantage plan.Medicare Supplement Insurance (Medigap): Medigap plans help fill the "gaps" in Original Medicare, such as coinsurance, copayments, and deductibles. These plans are offered by private companies and can provide additional coverage for things that Original Medicare does not fully cover.The Importance of Medicare Planning in DallasDallas residents have access to various Medicare plan options, but understanding which plan best suits your needs can be challenging. Medicare planning in Dallas involves considering factors like:Healthcare Needs: What are your ongoing healthcare requirements? Do you take prescription medications regularly? Are you expecting to need specialized care in the future?Budget: How much can you afford to spend on premiums, deductibles, and out-of-pocket costs? Medicare Advantage plans often have lower premiums but may require more out-of-pocket expenses for services.Doctor and Hospital Networks: If you have preferred doctors or hospitals in Dallas, its important to choose a Medicare plan that includes them in its network.Additional Benefits: Many Medicare Advantage plans offer extra benefits, such as coverage for dental, vision, and hearing services. Determine if these benefits are important for you.Steps for Effective Medicare Planning in DallasPlanning for Medicare in Dallas can seem overwhelming, but breaking it down into manageable steps can make the process easier: Assess Your Healthcare Needs: Take a close look at your current and future healthcare needs. Consider any medical conditions, prescription medications, and healthcare services you may need in the coming years. Review Available Medicare Plans: Research the various Medicare plan options available in Dallas. Compare the costs, coverage, and extra benefits offered by each plan. Consult with a Medicare Expert: If youre unsure which plan is best for you, consider consulting with a licensed Medicare agent or advisor. These professionals can help you navigate the complexities of Medicare and find the best plan for your situation. Consider Extra Help: If you have limited income and resources, you may qualify for additional programs that can help with Medicare costs, such as Extra Help for prescription drug costs or Medicaid. Reevaluate Annually: Medicare plans can change annually, so it's important to review your plan each year to make sure it still meets your needs. Finding Medicare Resources in DallasThere are many resources available for Dallas residents to help with Medicare planning. One valuable resource is the Seniors Blue Book, which offers a directory of Medicare providers, experts, and resources in Dallas. You can find helpful listings and more information on the following pages:Explore Medicare resources and providers in Dallas here: Senior Resources in DallasFor more detailed Medicare planning support, visit: Medicare Resources in DallasConclusion Medicare planning is a vital step in ensuring you have the right healthcare coverage for your needs as you age. With various options available in Dallas, understanding the benefits, costs, and coverage of each plan can be overwhelming. However, by assessing your needs, reviewing your options, and consulting with a Medicare expert, you can make an informed decision that provides you with the care and peace of mind you deserve.
Navigating Medicare can be overwhelming, especially for seniors facing complex healthcare needs and a sea of coverage options. In Dallas, Texas, seniors and their families have access to a variety of resources that offer Medicare helpranging from education and enrollment support to personalized guidance on coverage plans. If you or a loved one is looking for reliable Medicare help for seniors in Dallas, this guide will walk you through what you need to know to make confident, informed decisions.Understanding Medicare: A Quick OverviewMedicare is a federal health insurance program primarily for people aged 65 and older, as well as for younger individuals with certain disabilities. It is divided into several parts:Part A: Hospital insurance, covering inpatient hospital stays, skilled nursing facility care, hospice, and some home health care.Part B: Medical insurance, covering outpatient care, doctor visits, and preventive services.Part C (Medicare Advantage): Private plans approved by Medicare that offer an alternative to Original Medicare, often including additional benefits.Part D: Prescription drug coverage.Choosing the right Medicare planand understanding how it works with other types of insurancecan be especially confusing for seniors in large cities like Dallas. Thats why finding reliable, unbiased Medicare help is so important.Common Medicare Challenges for Seniors in DallasSeniors in Dallas often face several Medicare-related challenges, including:Understanding plan differences and enrollment deadlinesEvaluating out-of-pocket costsDetermining eligibility for Medicare Savings Programs or Extra Help with prescription drug costsCoordinating benefits between Medicare and MedicaidAvoiding late enrollment penaltiesDealing with billing issues or claim denialsThe good news is that there are many Dallas-based programs and professionals dedicated to helping seniors overcome these obstacles with confidence.Where to Find Medicare Help for Seniors in DallasWhile many seniors are bombarded with ads from private insurance companies, its crucial to start with neutral, trustworthy resources. Seniors Blue Book offers a directory of organizations and services that provide unbiased Medicare guidance, specifically tailored to residents in the Dallas area.Visit the Dallas Senior Resources Directory for an extensive list of non-commercial Medicare support services in the region.For Medicare-specific counseling and assistance programs, explore our category page for Medicare Information and Help in Dallas.These directories include local nonprofits, government programs, and senior advocacy groupsall designed to assist without pushing specific products or providers.Local Programs That Can HelpSome of the most helpful Medicare assistance programs available to Dallas seniors include:State Health Insurance Assistance Program (SHIP): Provides free, confidential, one-on-one counseling on Medicare options, eligibility, enrollment, and cost savings.Benefits Counselors at Area Agencies on Aging: These professionals help seniors understand their Medicare benefits, enroll in the right plans, and apply for financial assistance programs.Local Aging and Disability Resource Centers (ADRCs): ADRCs in Dallas offer access to public benefits counseling and Medicare navigation support.These programs work in partnership with federal and state resources to make sure every eligible senior can make the most of their Medicare benefits.Tips for Seniors Navigating Medicare in DallasHere are some helpful tips for Dallas seniors (and their caregivers) looking for Medicare help: Start Early: Begin researching Medicare options well before turning 65 to avoid missed deadlines and penalties. Compare Plans Annually: Health needs and plan offerings change, so use open enrollment each year to review and adjust your coverage. Seek Unbiased Guidance: Utilize nonprofit and government-backed services rather than relying solely on private insurance agents. Understand Financial Assistance Options: Many Dallas seniors qualify for extra help programs that lower premiums and copayments. Document Everything: Keep detailed records of communication with Medicare, your chosen plan, and any appeals or claims. Why Medicare Help Is Critical for SeniorsAccessing the right Medicare support isnt just about saving moneyit's about securing peace of mind. Health coverage in the senior years plays a critical role in maintaining independence, managing chronic conditions, and reducing the financial burden of unexpected medical events.Dallas seniors are fortunate to have access to a range of community and governmental programs that can guide them through the Medicare maze with confidence and clarity. Conclusion If you or someone you love is seeking Medicare help for seniors in Dallas, Texas, youre not alone. From understanding Parts A through D to finding the right supplemental coverage, there are resources available to assist you every step of the way. Take advantage of local services and trusted directories like Seniors Blue Book to ensure you're making informed decisions based on accurate, up-to-date information.
As seniors and their families navigate the complexities of aging, the need for legal guidance becomes increasingly important. From long-term care planning and guardianship to estate administration and Medicaid eligibility, elder law covers a wide range of issues that affect older adults. If youre searching for information about elder law or an elder lawyer in Dallas, Texas, youre not alone.This blog will help you understand what elder law entails, when to seek an elder lawyer, and where to start your search in Dallas. What Is Elder Law?Elder law is a specialized area of legal practice that focuses on the needs of aging individuals and their families. Elder law attorneysoften referred to as elder lawyersprovide services in areas such as:Long-term care and Medicaid planningWills, trusts, and estate planningGuardianship and conservatorshipPower of attorney and advanced directivesProbate and estate administrationElder abuse protectionThese legal services aim to protect seniors' rights, assets, and quality of life while preparing for future care and decision-making needs. Why You Might Need an Elder Lawyer in DallasDallas is home to a growing senior population, and with that comes an increased need for legal planning. Whether you're managing care for a loved one or preparing your own estate, there are several reasons you might consult with an elder lawyer in Dallas:Planning for Long-Term Care: Elder law attorneys can help families navigate complex Medicaid eligibility rules to fund nursing home or in-home care services.Establishing Legal Documents: Setting up a power of attorney, healthcare proxy, or living will ensures your wishes are followed if you become unable to make decisions.Protecting Assets: An elder lawyer can help structure assets and income to protect them from high long-term care costs, ensuring your legacy is preserved.Guardianship Proceedings: If a loved one becomes incapacitated and hasnt named a legal representative, an elder law attorney can help petition the court for guardianship. Elder Law in the Context of Dallas, TexasIn Texas, elder law practices may include navigating both federal and state-specific laws. Dallas residents face unique considerations, such as:Texas Medicaid eligibility requirementsLocal probate court systemsRegional estate tax planningDallas-specific elder service networks and legal aid resourcesChoosing a lawyer who is familiar with the Dallas area ensures they can provide context-specific advice and connect you to local support systems. When Should You Contact an Elder Lawyer?Its never too earlyor too lateto consult with an elder lawyer. However, proactive planning offers the greatest benefits. Consider seeking legal guidance in the following scenarios:You or a loved one is entering a nursing facilityYoure unsure how to qualify for Medicaid while protecting assetsYou need help drafting or updating a will or trustYou want to appoint someone to manage your healthcare or financesYou're concerned about financial exploitation or elder abuse Finding Elder Law Resources in DallasDallas has a range of trusted legal professionals who specialize in elder law, but finding the right one can be overwhelming. To simplify your search, Seniors Blue Book offers an up-to-date directory of elder law resources and professionals in the area.Start here: Dallas Elder Law Resources on Seniors Blue BookBrowse elder law-specific services and listings here: Dallas Elder Lawyers and Legal ServicesThese resources can help you compare options, understand available services, and connect with local professionals who are committed to helping seniors and their families make informed decisions. Final Thoughts Elder law is an essential part of preparing for the futureemotionally, medically, and financially. Whether you're protecting a loved one or securing your own peace of mind, working with an experienced elder lawyer in Dallas can make all the difference. Taking the time to plan now helps ensure your wishes are honored and your family is protected.
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.
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.
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.