Navigating Long-Term Care Planning with Powers Law Group

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Picture of an older woman at sink for blog on Long-Term Care PlanningWhen you consider long-term care, you may immediately think of nursing homes. But, contrary to that belief, long-term care can include a wide variety of services to assist adults in living independently. We’re here to walk you through the process and help you understand what needs to be considered in long-term care planning.

 

What is Long-Term Care?

Before we examine the options for long-term care planning, it’s important to understand exactly what the phrase means. Long-term care encompasses a variety of services to help people live as independently as possible when they are no longer able to perform everyday activities on their own.

According to the National Institute on Aging, most long-term care is provided in the home by unpaid family and friends, but can also take place at a community facility or nursing home.

Personal care is the most common care type. This is when a person needs help with everyday activities like bathing, dressing, grooming, using the bathroom, eating and moving around. Though aging is a natural fact of life, the risk factors for needing long-term care go far beyond age alone. They include:

  • Gender: Women generally live longer and are therefore at higher risk than men.
  • Lifestyle: Poor diet and exercise habits may lead to a need for care.
  • Family History: Degenerative diseases can be hereditary.

 

Starting the Planning Process

Preparation is crucial for long-term care because you never know if or when you will need it. Planning ahead allows you to understand the services available to you, as well as their price. The first step is to have a discussion with your family, friends and an attorney about who would be in a position to provide you care for a long period of time.

Next, you need to consider location—some opt for a nursing home or a community facility, but the majority of people receive care in their own homes. It’s important to consider whether your home is prepared to support your needs if necessary. You can use the Eldercare Locator, a public service from the U.S. Administration on Aging, to connect you or your family with services in your area.

 

Long-Term Care Planning with Powers Law Group

We use a strategic asset management approach for long-term care planning by considering your tax implications, cost of health care, owned businesses and the style of living you want as you age. We’ll look into:

  • Businesses (family limited partnerships)
  • Stocks
  • Bonds
  • Life insurance policies
  • Bank accounts
  • Investment property

Long-term care can be a sensitive subject to broach with older adults, and we know how difficult it is to consider its implications. That’s why we’re here to offer any assistance you may need to efficiently plan for the future. Contact us to set up your appointment today.

Wintertime Personal Injury Risks: What Happens if You’re Hurt

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image of icy branch for a blog about wintertime personal injury risksAccidents happen and in New England, the risk increases for some types of injuries during the winter months. It’s important to remember, though, that if you are injured due to someone else’s negligence or carelessness, you may be entitled to legal compensation.

 

Types of Wintertime Personal Injury Risks

There are a few types of legal personal injury cases, including automobile accidents, injury claims (for things like slips and falls), medical malpractice and workers compensation. We often see a spike in auto accidents in the winter when snow, ice and poor visibility affect driving conditions, but there are other wintertime personal injury risks as well.

 

Homeowners and business owners are responsible for keeping their properties in safe condition. If snow or ice builds up on steps or walkways and you are injured in a fall as a result, you may be able to seek compensation for medical bills, and pain and suffering. The same is true if you are injured by a buildup of snow and ice falling on you from a roof or awning.

 

What to Do if You’re Injured

If you are hurt due to someone else’s negligence, you should speak with a personal injury attorney as soon as you can. Massachusetts and other states have statutes of limitations that impact how long after an injury you can file a claim.

 

While personal injury law is complex, in a nutshell, you need to prove that another person had a duty to avoid harming you, you were injured, and you sustained injuries and incurred medical bills and lost wages.

 

Because the process can be complicated, your best bet is to retain an attorney who is experienced in personal injury law. We can help you determine if you have a case and guide you through the entire process, including preparing the case and filing it in court. About 95 percent of all personal injury cases are settled without a trial.

 

We hope you enjoy a safe and healthy winter, but should trouble arise, don’t hesitate to reach out.