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Legal Resources

Guns and dementia: Dealing with a loved one’s firearms

Having a loved one with dementia can be scary, but add in access to a firearm and things can become especially dangerous. Research shows that 45 percent of all adults aged 65 years or older either own a gun or live in a household with someone who does. For someone with dementia, the risk of suicide increases; firearms are the most common method of suicide among people with dementia. In addition, someone with dementia who has a gun may

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Maximizing Social Security survivor’s benefits

Social Security survivor’s benefits provide a safety net to widows and widowers. But to get the most out of the benefit, you need to know the right time to claim. While you can claim survivor’s benefits as early as age 60, if you claim benefits before your full retirement age, your benefits will be permanently reduced. If you claim benefits at your full retirement age, you will receive 100 percent of your spouse’s benefit or, if

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Getting paid as a family caregiver through Medicaid

Caring for an ailing family member is difficult work, but it doesn’t necessarily have to be unpaid work. There are programs available that allow Medicaid recipients to hire family members as caregivers.  All 50 states have programs that provide pay to family caregivers. The programs vary by state, but are generally available to Medicaid recipients, although there are also some non-Medicaid programs.  Medicaid’s program began as “cash and counseling,” but is now often called “self-directed,” “consumer-directed”

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Understanding Medicare’s hospice benefit

Medicare’s hospice benefit covers any care that is reasonable and necessary for easing the course of a terminal illness. It is one of Medicare’s most comprehensive benefits and can be extremely helpful to both a terminally ill individual and his or her family, but it is little understood and underutilized. Understanding what is offered ahead of time may help Medicare beneficiaries and their families make the difficult decision to choose hospice if the time comes. The

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Estate planning and retirement considerations for late-in-life parents

It is becoming more common for people to be parents at an older age, partly because of changing cultural mores and advances in fertility treatment. Comedian and author Steve Martin had his first child at age 67. Singer Billy Joel, 70, welcomed his third daughter in 2017. Janet Jackson had a child at age 50. But later-in-life parents have some special estate planning and retirement considerations. For older parents, the first consideration is to have an

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5 Ways Payroll Services Boost a Business

Is a payroll provider right for you and your business? While it is an added expense, there are good reasons to add a partner to help with this service. Here are five things to consider: Allows full attention on growing the business. If a portion of employees is focused on managing and processing payroll, business growth opportunity may be stifled. This is especially true if a key employee or owner is the one processing payroll. By outsourcing

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Reminder: Time to Start the Financial Aid Process

If you have a child in college or entering college during the next school year, you need to read this. You can now fill out your required Free Application for Financial Student Aid (FAFSA) for the next school year. FAFSA application timeframe The Free Application for Federal Student Aid (FAFSA) process opened on Oct. 1. The time to file is now The earlier you file your application, the earlier you will receive aid packages from most

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Decoding the New Dating Scene

Are you feeling a little in the dark about the new vocabulary developing around dating? It’s not surprising, especially when you hear a term like getting “ghosted.” Luckily, you’re just a few dating slang definitions away from having a better understanding of this vocabulary — often used on social media. It’s important to understand, especially if you have young people in your life who are dating. Here are a few popular slang terms and their definitions,

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Amazon and eBay Sales Tax ALERT!

If you or your business sells product on Amazon using the Fulfillment by Amazon (FBA) service, you are well into the multi-state sales tax mess … even if you are not aware of it. You may be asking yourself: Do I now need to register my business with every state and collect tax on their behalf? Do I really have physical nexus? What about economic nexus? What is nexus? Background The old sales tax standard required

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Bill collector calling? Know your rights

Maybe you’re behind on paying your bills because of circumstances outside of your control. Or perhaps there’s been an error in billing. Either way, these scenarios may lead to a run-in with a debt collector. Fortunately, there are strict rules in place that forbid any kind of collector harassment in the U.S. If you know your rights, you can deal with debt collection with minimal hassle. Here’s what to remember: You have a right to details

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