If the coronavirus pandemic has taught us anything, it is that life is uncertain. Too many aging Americans found themselves with a life-threatening COVID-19 illness in 2020 without legal documents naming trusted love ones to make decisions for their well-being while they were incapacitated. Family caregivers are generally given the task of some medical and...
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Chapter 7 vs. Chapter 13 Bankruptcy – Differences & Advantages
A bankruptcy attorney in South Carolina explains what you need to know Filing for bankruptcy can be the lifeline many people need to make a fresh start. That’s why more than a million people (sometimes more) and businesses decide to declare bankruptcy every year around the country. But deciding whether to file for bankruptcy and...
Read MoreAre You or a Loved One Prepared? Start with These Vital Legal Documents
Are you prepared to care for your aging loved one? One essential part of preparing to care for an aging adult is having important documents ready and available. Our life begins and ends with a paperwork trail from our birth certificate to our death certificate and everything in between. Let’s take a look at the...
Read MoreThe Importance of an Advance Directive in the Case of Dementia
Alzheimer’s and other forms of incapacitating dementia is currently the sixth-leading overall cause of death in the United States. In the case of people 65 and older it moves to fifth place and by the time you reach 85 years of age advanced dementia is the third leading cause of death. Couple those statistics with...
Read MoreDebunking Common Long-Term Care Myths
According to the U.S. Department of Health and Human Services, someone turning age 65 today will have a 70 percent chance of requiring some long-term care (LTC) service and support during the remainder of their life. In the case of women, the typical LTC need will last about 3.7 years compared to men who will...
Read MoreProposed Bankruptcy Law Would Cover Some Student Loan Debt
Bankruptcy attorneys in South Carolina explain A proposed law at the federal level would make it easier for people filing for bankruptcy to discharge student loan debt in certain circumstances, something that is currently very difficult to do under current federal bankruptcy laws. The bipartisan bill currently making its way through the U.S. Senate is...
Read MoreUnderstanding South Carolina Medicaid's Long-Term Care Provision
Medicaid is a government-run health insurance program that provides coverage to more than 4.6 million low income seniors in the United States. There are many facets to Medicaid coverage, one of which provides for long term care. If eligible, Medicaid’s provision for long term care could pay for some or all of seniors’ long term...
Read MoreSouth Carolina Caregiving in a Time of Crisis for an Aging Loved One
A caregiver tending to a loved one, a care partner, during a crisis is challenging, and the continuing COVID-19 pandemic deems that being prepared is more important than ever before. Caregivers must balance the need for their care partner's health and balance it with that person's safety. As the US heads into seasonally extreme weather...
Read MoreHow to Save My Family Home from the Cost of South Carolina Medicaid
After Maria’s husband died, Maria’s daughter, Debby, persuaded her to sell the family home and move into Debby’s mother-in-law cottage. That way they could stay close and Maria could invest the money from the sale in a nest-egg on which she could live comfortably. The house sold for a handsome sum, Maria moved in, and...
Read MoreHow Does Divorce Impact Medicaid?
Harry and Wanda got married late in life. This was their second marriage, and both had children from the prior marriages. The couple wanted their children to inherit from their respective parents, so Harry and Wanda signed a prenuptial agreement to keep their property clearly separated. Unfortunately, Harry was then diagnosed with Alzheimer’s. Medical bills...
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