Estate planning is an important part of protecting your assets and wishes, but sometimes, it’s hard to sift through the details and know where to start. You may also need help from an expert to confirm you are addressing all the various aspects of the estate planning process. At The Law Office of Amy B. Van Fossen, we have been in practice since 2004, specializing in many aspects of elder care law, includingestate planning tips for Florida residents. Read more about our estate planning tips for Florida residents.
5 Tips for a Comprehensive Estate Plan
Hire an Expert: Preparing an estate plan is not a DIY project. It is important to ensure certain processes and procedures are followed, so your documents are legal and valid. Hiring an attorney withexpertise in estate planning success is an important first step.
Express Your Wishes: Every person and every family is different. It is essential that you share your goals with your estate attorney, so your legal documents are drawn up to express your personal wishes. Some things you may decide upon are your personal representative (executor/executrix), beneficiaries, power of attorney, guardianship of minor children, and wishes for long-term care.
Consider Trust Options: Wills, revocable trusts, and irrevocable trusts are just three of the most common choices for documenting the plan for your estate. Depending on your age and goals for your estate, your attorney can help you choose the best option for your situation.
Maximize Asset Protection: One of the most important reasons for estate planning is to maximize the protection of your estate assets by avoiding the probate process and ensuring that you have accounted for federal government and/or state estate taxes. This includes physical assets such as real estate, bank accounts, retirement accounts, insurance policies, online accounts, and digital assets you may own.
Follow Up: Many attorneys recommend a yearly review of your trust to update changes that may need to be made due to the beneficiary designations, additional accumulated or lost assets, changes in real estate, retirement plans, and your goals based on your health and preferences.
FAQ: What Is a Personal Representative and What Do They Do?
What is a personal representative (also known as an executor or executrix)? A personal representative is the person chosen by the deceased person or court to administer a person’s estate upon their death.
What does a personal representative do? The job of a personal representative is to see that the wishes of the deceased person are carried out according to their will or trust.
How necessary is a personal representative? A personal representative is an important advocate for your wishes. A good choice is someone whom you trust and who has the time and personal investment to make sure that your estate is properly administered, including managing death certificates, collecting assets, reviewing and signing Court documents, verifying outstanding debts, distributing assets to beneficiaries, etc.
The choice of an estate planning attorney for legal matters is an important and personal one. Pleasecontact our office today to discuss your estate planning needs in Florida.
Estate planning is a vital part of protecting your assets and wishes; however, choosing the right attorney in the first place is essential to making it a smooth, comfortable process. Whileour experienced attorneys are ready to help you with your estate plans, we hope to provide some information below to help you learn how to choose an estate planning lawyer in Florida.
What Does an Estate Attorney Do?
An estate attorney helps you discuss your goals for your assets and wishes, such as plans for minor children, minimizing estate taxes, powers of attorney, life insurance policies, and drafting estate planning documents. Estate planners have specific estate planning experience and knowledge of estate law.
Do I Need a Specialized Attorney for the Estate Planning Process?
While some people may be able to manage minor legal matters or legal documents, estate plans for even the simplest estates is worth the ease and expense that comes with a knowledgeable attorney.
Additionally, it is always estate planning better to use an attorney for an estate plan (even if ‘minor legal matter’) to ensure you use the correct form and execute it correctly. Incorrect forms may be deemed invalid by the courts.
Another reason to use an estate plan is to prevent the Florida intestate laws from determining who your beneficiaries are. If you don’t have documents, the law decides how your assets will pass to your children and/or dependents.
Finally, you need an estate plan if you have a trust, own real estate, want to reduce taxes, want toavoid the probate process and want someone knowledgeable about your state’s specific laws to ensure your wishes are protected.
4 Questions to Ask When Choosing a Potential Estate Planning Lawyer
If you have decided hiring a legal professional is a good choice for your situation, you may wonder how to choose the person to help with these estate planning services. Below are 5 tips to help you narrow down some good choices for your situation.
What are your specific needs? Identifying your goals for your assets makes it easier to ask the questions necessary to find someone with expertise in those areas. You may need help in specific areas such as updating an existing will or trust, establishing beneficiaries or guardianship, or reducing tax liability. Or, you may need help with the entire process from scratch.
What is their reputation? As with other businesses, excellent service, helpful attorneys, and law firms tend to develop a reputation. Asking friends or family who they trust can give you peace of mind and a reference point for someone who will be a good fit to help with what is important to you.
What/where is their expertise? Access to a wide range of options through an internet search is one way to search for legal counsel; however, with estate planning, it is important to make sure you choose an attorney who is familiar with and licensed in the state where you are located. Additionally, the attorney’s proximity is often helpful in the future if you need to adjust your plan and is easier for your loved ones after your passing.
Do I feel comfortable with them? Even after researching and hearing the recommendations of friends and family, it is important to interview your potential attorneys. While this need not be a lengthy process, you can often tell a lot about your rapport with someone through a conversation to help ensure you are choosing the right person.
At theLaw Office of Amy B. Van Fossen, we have numerous estate lawyers with excellent reputations and years of experience with estate planning both for specific needs and comprehensive plans.Please contact us today for legal advice or a preliminary estate planning meeting in Florida.
Each year, millions of people rely upon Medicaid services and Veterans Affairs (VA) programs and benefits for a range of health care matters, such as chronic disease management, dental services, essential health benefits, behavioral health treatment, and more. As a resident of Florida who may need these programs, the information below includes important information, links to eligibility, and ways to learn about 2024 Medicaid and VA updates.
What is Medicaid?
Medicaid is a partnership between the state and federal government to provide health coverage for those who meet the following qualifications:
A resident of the state of Florida
U.S. national, citizen, permanent resident, or legal alien
Also, pregnant women, those responsible for a child 18 years of age or younger, blind, disabled, or has a household family member with a disability
In addition, Florida also has Statewide Medicaid Managed Care Long-Term Care (SMMC LTC). This program helps Medicaid-eligible seniors receive benefit packages to stay in their homes, community, or assisted living instead of nursing home care. Those who are eligible for these long-term care services can choose a plan and health care providers and have the support of a Long-Term Care Case Manager to help the senior remain in the least restrictive environment for their needed level of care.
Lastly, keep in mind that while they sound similar,Medicare & Medicaid services are different programs under the Department of Health and Human Services. While Medicaid requires eligibility, as discussed above, Medicare is funded by Social Security tax contributions, and most seniors are eligible to enroll at age 65.
What are Veterans Affairs (VA) Pension Benefits?
VA pension benefits are yet another way many seniors have access to health care, in-home nursing care, assisted living rent, medical insurance premiums, prescription co-pays, etc. As with Medicaid, this benefit also has eligibility requirements, renewal processes, and continuous coverage requirements to avoid gaps in coverage. Those who are eligible for VA pension benefits must meet the following:
Actively served in the military, naval, or air service and some qualifying Reserve and National Guard members
Have a discharge or release under conditions other than dishonorable
Eligible Individuals can access health care providers at a number of VA facilities in Florida. You may begin your exploration of eligibility for VA benefits at this link. Additionally, our law office offers free VA Benefits Seminars to ease the burdens on enrollees. We help eligible veterans or their widowed spouses navigate the sometimes challenging eligibility requirements.
As with most government programs, some fee schedules and direct cost changes occur each year, and there has been a Medicaid expansion for veterans.
Here are a few Medicaid changes to note:
The annual Part B deductible for 2024 is increasing to $240.
The limit on Part D Prescription deductibles is increasing to no more than $545 for 2024.
Copays for a 30-day supply of any insulin that a Medicare drug plan covers will remain at $35.
Please note that annual renewals are now required, a change from the Covid-policy continuous enrollment.
Medicare enrollees who take their insulin through a pump as part of the Part B durable medical equipment benefit will continue not to have to pay a deductible, and they will also benefit from the $35 copay cap.
Continuing in 2024, vaccines recommended for adults by the Centers for Disease Control and Prevention’s Advisory Committee on Immunization Practices (ACIP) will be available to Medicare recipients free of charge.
It also provides coverage without patient cost sharing of recommended vaccines for people with Medicare Part D.
The Part A deductible is $1,632 for 2024 before Original Medicare starts to pay after an inpatient hospital benefit period. The Part B annual deductible is $240.
And, as a preview to 2025, all Medicare Part D individuals with Medicare Part D will have a $2,000 cap for out-of-pocket prescription drug costs.
To explore all of the updates further, click here.
In the unfortunate event that you pass away without a will, the distribution of your property may become subject to the laws of intestacy. This means that a localprobate court may have to step in and decide how to distribute your assets. Without written documentation reflecting your wishes, the probate process can only follow state intestacy laws. Let’s look at how the laws of intestacy impact your loved ones.
What Happens Without a Will
If You’re Married
If you’re married and die without a will, your spouse is entitled to a share of your estate. This can be seen as advantageous for many couples as it ensures that the surviving spouse is provided for in the event of one partner’s death. If you’re married, but have children with someone other than your current spouse, then your estate will be split between your current spouse and your children.
If You’re Single
If you’re single and without kids, it’s essential to have a will to ensure your estate is distributed according to your wishes. The court’s distribution may align differently from what you want. For example, if you have asignificant other not named as a beneficiary, the courts likely will not acknowledge them. Additionally, any assets you own, such as a car or a condo, may be used to pay off any outstanding debt you have.
If You Have Children
Having a will is an important step for parents to take to ensure their children are provided for after they pass away. Without a will, the distribution of assets can become complicated, especially if blended families, grandchildren, adopted children, or foster children are involved. Each state has its own intestacy laws determining how assets are distributed if someone dies without a will. Generally, when parents die without a will and have children, the children will receive an intestate share of the assets. However, the percentage of this share can vary depending on the state.
For parents with blended families or additional family members like grandchildren, adopted children, or foster children, determining the order of succession becomes even more complex. Each state has different rules about who inherits from an estate when additional family members are involved. Parents in these situations need to consult with an attorney specializing in estate planning to ensure their wishes are carried out and their children are protected.
How Dying Without a Will Affects Your Loved Ones
One of the most critical implications of dying without a will is the burden it places on your loved ones financially. Without clear instructions on distributing your assets, the court must decide who gets what. This often requires hiring lawyers and other legal professionals, which can be quite expensive. This can deplete the estate’s value and takes precious time away from those left behind, trying to navigate their loss and move forward with their lives.
On the emotional side, dying without a will or estate planning documents can create tension and disagreements among family members. When important decisions regarding guardianship for minor children or caretakers for pets are left up to the court system or siblings’ discussions, it can cause unnecessary stress during a time of grieving. Check out ourEstate Planning Checklist and avoid unnecessary stress.
What Happens to Your Things When You Die Without a Will?
When you die without a will, the distribution of your personal property becomes significantly more complicated. As we have explained, the probate court will ultimately decide who receives your assets based on the intestate succession laws of your state. Instead of controlling who gets what, these laws outline a predetermined order of succession. Your surviving spouse will be prioritized along with any children that you do not share with your surviving spouse, followed by your children. If you have no children, your parents, siblings, and extended family members may be next in line to inherit.
Probate is the legal process that occurs after someone dies to oversee the distribution of their assets. It is important to note that whether or not you have a will, your estate may still go through probate court. If you do have a will, the process typically begins with the authentication of your will and the formal appointment of your personal representative or executor. This individual is responsible for carrying out your wishes as outlined in the will, such as gathering your assets, paying any valid creditors, and distributing your property and assets to beneficiaries.
What Does Intestate Mean?
Dying intestate refers to an individual passing away without leaving behind a will. A will is a legal document that outlines the deceased person’s wishes concerning the distribution of their property and assets after death. When someone dies intestate, they have not specified how their estate should be divided among their beneficiaries. Read more about Florida intestate lawshere.
How Do You Write a Will?
Writing a will can be done differently depending on the complexity of your estate and your specific wishes. Hiring a lawyer is a wise option if you have a complicated financial situation or specific wishes that must be addressed. The lawyer will guide you through the process by asking relevant questions and using their expertise to draft a last will and testament form for you to sign, ensuring that all legal requirements are met and your desires are accurately represented in your will.
Estate planning is one of the most important steps you can take to protect your wishes. Estate plan documents advocate for your wishes should you become unable to manage your own affairs. Additionally, these documents ensure your wishes are followed for your beneficiary designations after your passing. If you need assistance from anestate planning attorney in Florida, below are some important items toconsider.
Important Estate Planning Checklist
Establish a Last Will & Testament:This document shows how you want the executoror personal representativeof yourestateto distribute your assets after your passing,who will inherit from you,and who will care for minor children. Without a Last Will and Testament, the state law will determine the distribution of your assets through the probate process whichmayincur unnecessary timeandexpense.
Set Up a Trust:A revocable living trustdiffers from a Last Will and Testament bybeing available for use during your lifetime. Like aLast Will and Testament, a revocable trust states how you want your assets distributed after death but can be amended orrevokedduring your lifetime and gives someone else the right to manage your affairs if needed while you are alive. An irrevocable trust does the same but cannot be amended.
Attend to Your Health Care Documents:Living wills, health care surrogates, and advance health care directives are all legal documents stating your wishes for medical decisions, life-prolonging medical procedures, long-term care, medical treatments, and who has the power to make medical decisions.Learn more about estate planning documents and trust funding at our monthly seminars.
Declare a Preneed Guardian:No one plans to become incapacitated;however, tragedies and accidents happen sometimes. By naming a preneed guardian, you establish who will manage your affairs if you become mentally or physically disabledand in need of guardianship, rather than the court choosing someone for you.
Establish Durable Powerof Attorney:This legal document specifically gives the person you choose (i.e. your agent) legal and financial power ofattorneyto act on your behalf regarding those affairs,including if youshouldlaterbecome incapacitated.
Update Important Forms:As you get older and/or life circumstances change, remember to update forms to reflect your current situation, relationships, and family structure. Make sure you have updated HIPAA authorizations for access to your medical information, contingent beneficiaries, and beneficiary forms for financial accounts, investment accounts, employers, and retirement accounts, create succession plans for any businesses, verify accurate titling of all physical assets and real estate, and generally have ongoing/updated conversations with the important people in your life.
Obtain Life Insurance:Life insurance policiescan be a good option toensure your family peace of mind that they can continue living in the way you desire if your income ceases due to your passing. Long-term care insurance can also help protect your assets if you need long-term medical care.
Make Funeral Plans & Final Arrangements:Planning and paying for a funeral plan, burial plot, etc. ahead of your passing is not only typically less expensive, it is a way to relieve some of the burden from your family after your passing because they will know exactly what you wanted.
Estate Planning is Important
Estate planning can be intimidating;however, it is essential legal advice to protect you, your assets, and your loved ones. To discuss your complete estate plan needs and estate planning documents withan experienced estate attorney, contact us today.
Estateplanning is a specialized field requiring the knowledge and skill of a professional. As such, one of the most important steps you can take in theestateplanning process is choosing the right legal advice from a proper estateplanning attorney. When choosing an attorney, it is imperative that you do your research. Credentials, testimonials/reviews, and personal recommendations are all important.Amy B. Van Fossen, P.A., estateplanning lawyer has excellent ratings in all of the above categories, and we would be happy to assist you with your estateplanning goals.
Prepare for Your Estate Planning Consultation:
Itemize Your Assets
You must know your financial situation in order to protect it fromthe probate process. Take an inventory of your assets and compile a list. Make sure to include identifying information for the assets, such as bank account numbers, financial statements, policy numbers, real estate descriptions, legal documents, etc. Items you should think about include:
Your home and its valuable contents (e.g., antiques, electronic equipment, collections of art, jewelry, etc.)
Your vehicles and boats
Financial Assets – IRA, 401K, bank and brokerage accounts, annuities, insurance policies, stocks, and bonds. Sometimes, once people start digging, they come across an account or asset they had forgotten about.
Although not an asset, it is important to itemize your debts as well. Items you should think about include:
Mortgages
Lines of credit
Credit card debt
Auto and other loans
In addition to this, please compile a list of questions you may have for your estateplanning attorney.
Itemize a List of Organizations to Which You Belong
Think about the groups in which you belong or are interested in belonging. Some examples include VA, charitable organizations, religious groups, professional associations, college alumni groups, and political groups. These groups may offer services that you are unaware of or may be organizations you want to include in your estate plan as a beneficiary.
Think About Who You Want To Be Your Beneficiaries and Executor
Who do you want to inherit your estate when you pass away? Is it an individual or a charity? If a person, who would be the backup beneficiary if the primary person predeceased you? Do you have accounts that already have designated beneficiaries or POD/TOD?
You will also want to think about who your Successor Trustee/Executor will be. Will you include a backup if the first person listed predeceases you? Additionally, who would be the appropriate person to designate as your healthcare surrogate and/or durable power of attorney agent? Who do you want to make long-term care decisions, medical decisions, and financial decisions for you if you become incapacitated? You will want to consider reliability, trustworthiness, and dependability when deciding on the person to nominate for these positions.
Our team can help prepare the necessaryestateplanning documents to meet all of your needs, including but not limited to the desire to avoid probate, an incapacitation plan, a contingent trust plan for young children, and a special needs plan for yourself and loved ones.
It is important to start thinking about a solid estate plan now. The earlier you start thinking about these topics, the less overwhelming it will be when it is time to make decisions. When the time comes to schedule your estateplanning session consultation,contact The Law Offices of Amy B Van Fossen, P.A. in Brevard County, FL. We are here to help guide you through the process, step by step. It is not your job to think about all the “what-ifs” – let us do that for you. We pride ourselves on being well-trained, detail-oriented, and comforting during the estateplanning process. Our goal is to make sure you and your family are cared for and satisfied.
This article was originally published in August 2021 but has been updated for accuracy and freshness.
Estate planning is important for everyone but especially so, in the absence of children or a legal spouse, the most common natural heirs when someone passes. For single people, unmarried couples, or couples without children, the absence of a plan or beneficiary designations can lead to unintended consequences, the probate process, and protracted litigation.
A famous case is the estate of the musician Prince, who died without a will. The lack of abasic estate plan in Florida can result in the loss of financial power and financial decision-making for your unmarried partner or intended beneficiary along with denied or delayed inheritance of important financial assets such as life insurance, investment accounts, bank accounts, real estate, retirement accounts, etc.
Individuals who utilize estate planning legal documents determine the manner in which assets are distributed and account for contingencies. For example, for married people, when a husband dies, assets generally go to his wife, but if she dies without children, the assets could go to her extended family. For single people or unmarried people, one’s extended family is also often the default beneficiary. Additionally, if minor children are involved, estate plans help to determine who cares for them if their parents pass away, whether they were married or not.
Estate planning documents are tools to help plan for the passing of assets or managing incapacitation and medical decisions needed due to injury or illness. Thinking about things ahead of time saves loved ones from additional stress around medical care and healthcare decisions and prevents the dissipation of estate assets through estate taxes, legal fees, and court costs.
At the core of any estate planning tool is a will and durable power of attorney. Choosing the person to designate will demand consideration of both character and temperament. With married individuals, the surviving spouse is typically the default rule; however, it is imperative, you put this in writing. In the absence of marriage, long-term unmarried couples may be without recourse if they do not make an estate plan. In the case of incapacitation, the healthcare surrogate will allow someone chosen in advance to make medical treatment decisions instead of aspouse or sibling who may not be preferred for any number of reasons. Additionally, durable powers of attorney generally terminate upon death, so a will or trust must be in place to fully protect everyone involved after the person passes.
If an individual wishes to help loved ones during life and after death, consulting a qualified estate planning attorney may help them understand their options. Our experienced lawyers can assist in planning for all possible contingencies and aspects of estate planning.Contact us today!
This article was originally published in June 2021 but has been updated for accuracy and freshness.
Disputesover a deceased person’s will or estate are something many people only hear about in a sensationalized way via a headline or Hollywood. However,probatelitigationis a very real legal proceeding that can happen to anyone’s estate. As you consider how to set up your estate planning documents and communicate your wishes,understandingprobatelitigationin Floridais just one way we are there for our clients.
What isProbateLitigation?
For most persons, aprobatecourt will utilizeprobateprocess lawto identify a deceased person’s assets, pay any outstanding debts, and distribute the estate to the beneficiaries as designated. However, occasionally, an entity may challenge the existing will, estate documents,how assets are distributed,or succession rules. This type of legal process is categorized asprobatelitigation.
Types of EstateDisputes
Losing a loved one is hard enough without the challenges that can come withprobateand especiallyprobatelitigation. However, if there is a lack of trust between family members, communication issues, or questions about documentation, adisputeis more likely on one of the following grounds:
Undue influence or manipulation that pressured the decedent to draft or revise their will for someone’s personal benefit
Fraud by which someone misled the decedent to sign an unfair will
Signing of a will by the decedent when they were not of sound mental capacity
Disagreement over the validity or the court’s interpretation of a will
Legal right to inheritance who was left off of a will(i.e.spouse electing for their elective share)
Disputing creditors’ claims to estate assets
How AreDisputesOver an Estate Resolved?
In the event that an estatedisputehas taken place andprobatelitigationis in process, it is typically addressed and eventually resolved through some or all of the following:
Negotiations:Private, attorney-led discussions designed to represent each client’s best interest with the goal of attaining an amicable solution for both parties.
Mediation:If negotiations are ineffective, a structured mediation process with a neutral third party may help the family reach a mutually agreed upon resolution.
Settlement:This is the agreed-upon resolution by both parties from which they agree to move forward.
Hearing or Trial:If the parties cannot agree after negotiations, theprobatelitigationmay move forward to a hearing or trial. This time andcost-intensive process that involves the presentation of documents, evidence, and possibly even witnesses depending on the intensity.
Arbitration:Similar to mediation in that a neutral third party is involved, however, both parties preemptively agree to accept the arbitrator’s decision.
ManyProbateDisputesCan Be Avoided
It is clear thatprobatelitigationcan be a draining process for your emotions, your time, and your pocketbook. Thankfully, manyprobatedisputescan be avoided through clear communication with your family and expert legal advice to help you draw up sound legal documents that will clearly state your wishes for your estate and beneficiaries. To discuss your will, trust, or estate documentation needs, contact our experiencedattorneys in Florida at The Law Office of Amy B. Van Fossen, P.A
Casemanager is a term that applies to different areas of expertise. Most broadly, a casemanager is a service provider who assesses a client’s needs and connects the client to appropriate, available community resources. If you are considering whether or not a casemanageris right for you or a family member in Florida, read on to learn what a casemanager can help you with.
What Does a CaseManager Do?
Case managers operate in a lot of different areas to meet the needs of their clients.
Hospital CaseManager: This is typically a nurse casemanager who helps with needs assessment, treatment plan, and discharge planning as the client leaves the hospital for home, rehabilitation, or long-term care. They consider the patient’s health insurance as they make these decisions to ensure the best health outcomes while incurring the least financial burden.
Home Healthcare CaseManager: These individuals help provide hands-on care management and coordinate the healthcare team and caregivers. They help notice changes necessary to serve the client’s best interest and communicate with the medical team and insurance as necessary.
Health Insurance CaseManager: Health insurance is a huge driver of the care we are able to receive. A casemanager for the health insurance company is sometimes assigned to ensure that the patient is receiving quality, necessary medical care in the most efficient and economical way possible for the insurance company.
Geriatric CaseManager: In our practice, we offer geriatric case management to our clients and others in our community. This specific type of casemanager works to assist elderly clients and their families with a plan of care for the future, including long-term care and living arrangements. Similarly to the other management services above, a geriatric casemanager works to assess and coordinate the needs of the client and manage ongoing care, serving as the eyes and ears for the best care. It is a privilege for our office to help clients increase and preserve their quality of life to the fullest extent possible.
What Qualifications Should Case Managers Have?
Case managers must have certain qualifications to assess, advocate, and adequately care for their clients. For some case managers, this comes from their training as a nurse or social worker. However, at a minimum, case managers typically hold a license or certificate in a health or human services field. The requirements for case management vary by state and/or the employing organization.
In Florida, case managers must have a Bachelor’s degree in Psychology, Social Work, Social Sciences, or a related field and pass the Certified CaseManager (CCM) exam. Special exceptions may be made for individuals whose equivalent professional experience and/or education may be substituted in lieu of required qualifications.
Most importantly, when considering management services for you or your family member, you will, of course, want to ensure that they are licensed and certified. A quality casemanager will also have “soft skills” such as kindness, empathy, strong advocacy and assessment skills, and the ability to communicate with the client and his or her family a plan of care in a supportive and appreciated way.
At theLaw Offices of Amy B. Van Fossen, it is our privilege to provide geriatric case management to our clients and our community. If you would like to discuss the compassionate care of one of our case managers for your loved one, pleasecontact us today.
Although millions of American veterans, disabled veterans, and their families qualify for veterans’ benefits, few receive them. What accounts for this tragedy? This is due in part to confusion over the benefits and eligibility requirements as well as the complexity of the application and approval process. Understanding veteran’s benefits in Florida can be complicated, but we are uniquely qualified to help!
Amy B. Van Fossen is a Florida veterans’ benefits attorney accredited by the U.S. Department of Veterans Affairs for the preparation & presentation of aid and attendance (A&A) claims. She has the professional license to assess your situation and help determine if you may be eligible. If so, she will guide you through the process with consideration and respect, working hard to make sure you receive the maximum benefit amount available for your military service.
Depending on your eligibility, it is possible that you may qualify for some or all of the additional benefits and/or supportive services listed below:
Military and Veterans Assistance Program
Financial Literacy and Insurance Assistance
Agriculture and Consumer Services for Veterans
Salute our Soldiers Military Loan Program
State Women Veterans’ Coordinator
Florida’s Homeless Veterans
Florida State Veterans Home
Florida Educational Benefits
Florida Property Tax Exemptions for Veterans
Florida Burial Benefits for Veterans
Florida Memorial Benefits for Veterans
Motor Vehicle Licensing and Fee Exemptions for Veterans
Recreational Discounts and Fee Waivers
Veterans Florida (to start a business or new career)
Florida Employment Benefits for Veterans
Florida Legal Services for Veterans
Veterans’ Pension A&A Benefits Can Change
Elderly veterans with service during a wartime period may be entitled to vital pension benefits to cover expenses under the Veterans Aid and Attendance (A&A) pension program. A surviving spouse of a military veteran may also qualify for pension benefits. Unfortunately, the Department of Veterans Affairs is constantly considering changes that can impact eligibility rules and the calculation of benefits. We are well-respected for our dedication to protecting the interests of seniors in all manner of long-term care planning matters. With the potential changes to the A&A laws, it is more important than ever for military veterans to seek the help of a qualified elder law attorney who has knowledge of the rules and experience to make the request for benefits.
Changes to A&A Law
The VA defines a veteran’s net worth. However, these rules can occasionally change their calculation of “countable” assets and income. Additionally, A&A may have “countable” requirements related to one’s primary residence and the amount of land it sits upon.
It is important to consult with your attorney regarding any current penalties for transferring assets prior to applying for pension benefits. Depending on the “look-back period” for asset transfers, there could be a delay in pension benefits. Given the seriousness of these potential penalties and/or delays, it is vital for eligible veterans or the surviving spouse of a veteran to speak with a VA-accredited elder law attorney for guidance before making any decisions that could create a costly mistake.
Additionally, beware of untrustworthy annuity advice. Florida teams with annuity salesmen and saleswomen, offering veterans’ benefits and planning assistance. However, their goal is often a quick sale at the expense of the veterans’ long-term financial needs. Purchasing an annuity within the “look-back period” may delay your entitlement to pension benefits.
Because our lawyer is VA-accredited, you can feel confident that you and your family will receive knowledgeable, reliable advice that will help protect your assets — not squander them. Even many members of the U.S. Department of Veterans Affairs do not fully understand the intricacies of veterans’ benefits law, so consult an attorney who concentrates in this area of practice.
Veterans’ Aid & Attendance Benefits
Providing the Money You Need to Pay for Health Care
The VA Aid and Attendance program provides pensions to help qualified veterans or eligible widowed spouses pay for health care. It also allows for a family member, such as a son or daughter, to provide this care. The Aid and Attendance program can be used to help pay for in-home skilled nursing care, medical care, assisted living rent, medical insurance premiums, prescription drug co-pays, and much more.
Our law firm has assisted veterans and their widowed spouses in Brevard County to preserve their assets and remain in their own homes for as long as possible by using other financial resources, such as the VA Aid and Attendance pension program.
Eligibility for VA Pension Benefits
You may be eligible if you did not receive a dishonorable discharge and your income limits meet those set by Congress.
And, at least one of the following is true:
You were an active duty service member before September 8, 1980, you served at least 90 days on active duty with at least 1 day during wartime
Your active service as an enlisted person began after September 7, 1980, you serve at least 24 months or the full called or ordered active duty period with at least 1 wartime day
As an officer, you began active duty after October 16, 1981 and had not previously served on active duty for at least 24 months
And, at least one of these are true:
You are 65+ years old
You are permanently disabled
You are in a nursing home or long-term living facility due to liability
You are receiving Social Security Disability Insurance or Supplemental Security Income
Eligibility for Aid & Assistance Benefits
Additionally, the A&A program will provide financial assistance to qualifying veterans and the widowed spouses of veterans via a monthly benefit if they meet at least one of the following requirements:
Daily activities like bathing, feeding, and dressing require the help of another person
Illness requires you to stay in bed or spend the majority of your day in bed
The loss of mental or physical abilities due to disability has you living in a nursing home
Limited eyesight such that with glasses or contact lenses, you have only 5/200 vision or less or a visual field of 5 degrees or less
Eligibility for Housebound Benefits
If you have a permanent disability that requires you to spend most of your time in your home, you may be eligible for housebound benefits. Please note, A&A and housebound benefits cannot both be received at the same time.
Do not assume that your net worth or income is too high to qualify for a pension. Talk to Melbourne Veterans’ Aid and Attendance attorney Amy B. Van Fossen to see if you are eligible to make requests for benefits. Learn more about VA Benefits at our Seminars.
This article was originally published in April 2021 but has been updated for accuracy and freshness.
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