Elder Care Law and You: How Senior Citizens, Their Children, and Guardians Can Ensure a More Comfortable Old Age (Paperback)
暫譯: 長者照護法與您:如何讓老年人、他們的子女及監護人確保更舒適的晚年(平裝本)
Deirdre R. Wheatley-Liss
- 出版商: Apress
- 出版日期: 2015-04-30
- 售價: $1,290
- 貴賓價: 9.5 折 $1,226
- 語言: 英文
- 頁數: 350
- 裝訂: Paperback
- ISBN: 1430259175
- ISBN-13: 9781430259176
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相關主題
商品描述
More and more seniors in the United States need care as their health fails and their assets dwindle. The “Greatest Generation” and the “Silent” generation that followed are living longer than ever, threatening to exhaust society’s resources as well as their own. And aging Baby Boomers will create a demographic bulge never before seen, requiring smart planning both for themselves and society.
Elder Care Law and You, by Certified Elder Law Attorney Deirdre Wheatley-Liss, helps you do that smart planning. It helps you navigate the minefield of assisted living, healthcare, elder asset protection, and more. It also shows how to gain and employ power of attorney and health care proxy status to make good decisions for those who can’t.
Planning for a satisfying old age can be incredibly complex. For example, even as nursing homes can cost up to $10,000 a month for basic care, there are strict rules about how you can spend your money on long-term care and how to qualify for benefits to assist you in paying for it. Uninformed decisions can result in a total loss of long-term care benefits that would otherwise ensure a comfortable old age. Then there’s the difficult issue of who will make financial and health-related decisions when an aging parent’s mind or body start to give out.
This book will not only educate you about the law and regulations regarding elder care in straightforward language, but it gives you advice and tips to use them to your advantage. It also details how to use tools available to protect family wealth like asset transfers, life estates, irrevocable trusts, care agreements, annuities, and promissory notes. And since you can’t do it alone, the book profiles the professionals who work with seniors and their families and how each can help.
Together with Deirdre Wheatley-Liss, you will learn how to protect assets, ensure good health care, live independently as long as possible, and get the help you need when you need it. If you're a child of elderly parents or acting as guardians, it will help you ensure mom and dad maintain their well being and dignity well into old age.
What you’ll learn
- How to finance long-term care legally (through assets, long-term care insurance, Medicare, Medicaid, veterans benefits)
- Planning techniques for long-term care to avoid or minimize a mandated spend-down of assets
- Resources available to help seniors age in place and how to make use of them
- Gaining power of attorney and health care proxy to make decisions for those who can't
- How to protect your wealth for succeeding generations
- How to prepare for the transition from home living to long-term care
- Whom you can partner with to help you or your loved ones age with dignity
Who this book is for
- Active seniors who are concerned about how to plan for their own possible long-term care needs (older baby boomers and the traditionalist generation above them)
- Baby boomers and older Gen X members who either find themselves caring for their parents or fear needing to do so in the future
- Families who must educate themselves quickly to make decisions to address a change in an elder's health circumstance
- Professionals involved in the growing elder care field who need to know the basic rules of the road
商品描述(中文翻譯)
越來越多的美國老年人因健康衰退和資產減少而需要照護。“偉大的世代”和隨後的“沉默世代”活得比以往任何時候都長,這威脅到社會資源以及他們自己的資源。而年長的嬰兒潮一代將創造前所未見的人口高峰,這需要他們自己和社會進行明智的規劃。
《老年照護法律與您》(Elder Care Law and You),由認證老年法律律師Deirdre Wheatley-Liss撰寫,幫助您進行這種明智的規劃。它幫助您在輔助生活、醫療保健、老年資產保護等領域中導航。它還展示了如何獲得和使用授權書及醫療代理權,以便為那些無法做出決策的人做出良好的選擇。
規劃一個令人滿意的老年生活可能非常複雜。例如,即使護理院的基本護理費用高達每月10,000美元,對於如何花費長期護理的資金以及如何符合獲得幫助支付這些費用的福利資格也有嚴格的規定。不明智的決策可能導致長期護理福利的完全喪失,而這些福利本來可以確保舒適的老年生活。然後還有一個棘手的問題,即當年邁父母的心智或身體開始衰退時,誰將負責做出財務和健康相關的決策。
這本書不僅會用簡單明瞭的語言教育您有關老年照護的法律和規定,還會提供建議和技巧,幫助您利用這些法律。它還詳細說明了如何使用可用的工具來保護家庭財富,如資產轉移、終身產權、不可撤銷信託、護理協議、年金和本票。由於您無法單獨完成這些,書中還介紹了與老年人及其家庭合作的專業人士,以及他們如何提供幫助。
與Deirdre Wheatley-Liss一起,您將學會如何保護資產、確保良好的醫療保健、儘可能獨立生活,並在需要時獲得所需的幫助。如果您是老年父母的子女或擔任監護人,這本書將幫助您確保父母在老年時保持健康和尊嚴。
您將學到的內容:
- 如何合法地為長期護理提供資金(通過資產、長期護理保險、醫療保險、醫療補助、退伍軍人福利)
- 長期護理的規劃技術,以避免或最小化資產的強制支出
- 幫助老年人安享晚年的可用資源及其使用方法
- 獲得授權書和醫療代理權,以便為無法做出決策的人做出選擇
- 如何為後代保護您的財富
- 如何為從家庭生活過渡到長期護理做準備
- 您可以與誰合作,幫助您或您的摯愛以尊嚴老去
本書適合的讀者:
- 關心如何為自己可能的長期護理需求進行規劃的活躍老年人(年長的嬰兒潮一代和他們之上的傳統主義世代)
- 正在照顧父母或擔心未來需要照顧父母的嬰兒潮一代和年長的X世代成員
- 必須迅速自我教育以做出決策以應對老年人健康狀況變化的家庭
- 需要了解基本規則的老年照護領域專業人士