Study: Baby Boomers Are Not Stealing Younger Workers’ Jobs
Tweet Older workers take up a lot of jobs, but not necessarily at the expense of younger workers. In an article By Danielle Kurtzleben of US News highlighted a paper from the Pew Charitable Trusts’ Economic Mobility Project showing that, though younger workers may be hurting right now from the economic downturn, over the longer [...]
A Cautionary Tale When you Leave Millions and the State Gets It!
Tweet This is best summed by a statement that is part of an article by the New York Times “He was a very smart man but he died like an idiot,” said Paul Skurka, a fellow Holocaust survivor who befriended Mr. Blum after doing carpentry work for him in the 1970s. When Roman Blum died [...]
COMPENSATION AVAILABLE TO “ATOMIC VETS”
Tweet In the recent Veterans Advocates Group of America’s newsletter an article by our own Josh Eisenberg was highlighted. Here is the article for you to read regarding veterans benefits you are your loved ones might be entitled: During the period from 1945-1963, the United States government was preparing itself for an Atomic War, and [...]
Facing the atomic bomb: A nuclear veteran remembers
Tweet Army Corporal Jerald Kendrick was 23 years old the first time he watched an atomic bomb explode. The light was so bright, he says, “you could see all the bones in your arms.” During the height of the Cold War, the United States conducted 210 atmospheric nuclear tests. What’s often forgotten today are the [...]
Medicaid (Medi-Cal) Eligibility and Enrollment for People with Disabilities Under the Affordable Care Act
Tweet The Kaiser Family Foundation has issued a Kaiser Commission report available in PDF format about Medcaid, called Medi-Cal here in California, and the current uninsured. This report is addressing the Medicaid Eligibility and Enrollment for People with Disabilities Under the Affordable Care Act: The Affordable Care Act (ACA) makes several changes to Medicaid eligibility [...]
Older workers take up a lot of jobs, but not necessarily at the expense of younger workers.
In an article By Danielle Kurtzleben of US News highlighted a paper from the Pew Charitable Trusts’ Economic Mobility Project showing that, though younger workers may be hurting right now from the economic downturn, over the longer term, they tend to gain jobs alongside older workers. From 1977 to 2011, the report finds, a one-percentage-point increase in employment among workers age 55-64 was associated with a 0.2-percentage point increase in the employment rate for 25- to 54-year-olds, and a 0.21-percentage point increase for workers age 20-24.
Understanding exactly why different age groups gain jobs together is difficult, says Erin Currier, Pew project manager, but she believes it may simply be that an improving job market boosts everyone.
“If the job market is positive, the economy can clearly expand for a whole host of different kinds of workers,” she says.
More older workers in the workforce isn’t just associated with a bump in the number of younger workers. The Pew data also show that a one-percentage-point increase in employment for workers age 55 to 64 is also associated with increases in hours worked for younger workers, as well as small declines in those workers’ unemployment rates—by 0.1 percentage point for workers age 20 to 24 and by 0.05 percentage points for workers age 25 to 54.
The data help to discredit the so-called “lump-of-labor” theory: the idea that there is a fixed amount of work in the labor market. Many economists view the idea with skepticism—it is often referred to as the “lump-of-labor fallacy.” However, the current recovery, in which many boomers are delaying retirement, has at times raised the question of whether younger workers just might be better off with fewer of these old folks taking up all the desks. The Census Bureau defines the Baby Boom as the period between mid-1946 and 1964, making boomers around 48 to 66 years old this year, meaning that retirement is a big decision facing many of these older workers.
Numbers from the Labor Department do show that older workers are growing as a share of the workforce, while other groups stagnate and even decline. In August 2007, workers age 20 to 24 made up 9.5 percent of all workers age 16 and older. That figure changed little over the last five years, standing at 9.2 percent as of August. People age 25 to 54 have also declined slightly, from nearly 69 percent five years ago to 66.2 percent now. Meanwhile, the share has grown for workers 55 and over, from 17.8 percent in August 2007 to 21.5 percent now.
But there are flaws in thinking that older Americans are taking jobs away from younger workers. Older workers, Currier points out, tend to have jobs that require more experience and knowledge than their younger peers have.
Even if there were a mass exodus of boomers from the job market, then, it wouldn’t make for a seamless transition to a younger workforce. In fact, it could require a rebalancing of workers as younger workers gain more skills. Aside from being more experienced, older workers tend to be in different professions than their younger peers. Workers over 55 are more heavily concentrated in manufacturing and education and health services, while younger workers work in leisure and hospitality—think hotels and restaurants—more often than their parents’ generation. All of which means that as baby boomer retirement increases in coming years, younger generations are going to have to make sure they have the skills to take over.
Baby boomers, as well as younger workers, have a LOT of decisions to make about their future and retirement, we can help you makes those decisions!
Please take advantage of our free consultation where we will look at all of your papers, your retirement plans, Trust Accounts, Asset Protection, where you want your estate to go, who you want as Executors and how to protect many of your assets from even going through the probate procedures. For a free consultation in person either at one of our offices or in the comfort of your home, call us toll free at (866) 410-3126, Gary R Lieberman is an elder law attorney for Marin County and Josh Eisenberg is an elder law attorney for Marin County. Both Gary R Lieberman and Josh Eisenberg are members of the National Academy of Elder Law Attorneys.
Follow the Law Offices of Gary R. Lieberman On Face Book on Twitter and on Linked In and see who the staff of the Law Offices of Gary R. Lieberman are following.
*The foregoing report is designed solely for the purpose of providing very general and limited information on the subject matters. Readers should have their estate planning documents reviewed to determine their legal sufficiency and whether they need to be amended or replaced
This is best summed by a statement that is part of an article by the New York Times
“He was a very smart man but he died like an idiot,” said Paul Skurka, a fellow Holocaust survivor who befriended Mr. Blum after doing carpentry work for him in the 1970s.
When Roman Blum died last year at age 97, his body lingered in the Staten Island University Hospital morgue for four days, until a rabbi at the hospital was able to track down his lawyer.
Mr. Blum, a Holocaust survivor and real estate developer, left behind no heirs and no surviving family members — his former wife died in 1992 and the couple was childless.
But perhaps the greatest mystery surrounding Mr. Blum is why a successful developer, who built hundreds of houses around Staten Island and left behind an estate valued at almost $40 million, would die without a will. That is no small matter, as his is the largest unclaimed estate in New York State history, according to the state comptroller’s office.
Gary D. Gotlin, the public administrator handling the case, sold Mr. Blum’s home on Staten Island, auctioned off his jewelry and his furniture and is putting other properties that he owned on the market. Mr. Gotlin’s office, which is overseen by Surrogate’s Court in Richmond County, is also using Mr. Blum’s estate to pay his taxes, conduct an in-depth search for a will and hire a genealogist to search for relatives. If none are identified, the money will pass into the state’s coffers. That, Mr. Blum’s friends said, would be a tragedy, compounding the one that befell him as a young man in Eastern Europe.
“I spoke to Roman many times before he passed away, and he knew what to do, how to name beneficiaries,” said Mason D. Corn, his accountant and friend for 30 years. “Two weeks before he died, I had finally gotten him to sit down. He saw the end was coming. He was becoming mentally feeble. We agreed. I had to go away, and so he told me, ‘O.K., when you come back I will do it.’ But by then it was too late. We came this close, but we missed the boat.”
Roman Blum was, by all accounts, an emotional man with a large personality. Six feet tall and handsome, he was a ladies’ man, a gambler and a drinker. He was also enterprising and tough in business.
“He had deeds on his desk piled up to the ceiling of properties he owned,” said Vincent Daino, who was Mr. Blum’s neighbor for 25 years and became his unpaid driver when the older man’s eyesight began to fail. “There were royalties from oil rigs in Alaska, money from his stocks — about once a month he would have me drive him to the bank so he could deposit $100,000 checks.”
“Every weekend was a party,” said Charles Goldgrub, the child of survivors and Mr. Blum’s godson, who also grew up in Queens. “They had survived Hitler so they thought they would live forever.”
On weekends, the survivors would often gather to play high-stakes poker and drink plum brandy. They rarely discussed their wartime experiences, but sometimes, as a group and tipsy, they would grow emotional. Mr. Blum’s favorite tune was the 1968 single by Mary Hopkin, “Those Were The Days,” recalled Michael Pomeranc, a hotelier who grew up in Forest Hills and whose parents, also survivors, were close to the Blums. “He was always singing that song, and especially if he’d had a bit to drink, he’d try to get everyone to join in with the lyrics,” Mr. Pomeranc said.
Many of the men started businesses together, the majority becoming home builders and hotel developers. They referred to themselves as griners, a Yiddish term meaning greenhorn or newcomer. “They were known as the griner builders,” said Robert Fishler, a Staten Island real estate lawyer who represented Mr. Blum for nearly three decades.
Then, in 1964, the Verrazano-Narrows Bridge opened, linking Brooklyn and Staten Island, and many in the group, including Mr. Blum, began buying land on Staten Island. Prices were low, and Mr. Blum began developing land and building homes in neighborhoods like Eltingville, Huguenot and Manor Heights.
“Everybody knew Roman. He built hundreds of homes over the years,” Bruno Betro, a broker at Volpe Realty, said. “Last time I tried to sell a piece of property for him, I’d give him an offer and he’d tell me he wanted $1 million more.”
By the 1980s, with his business thriving, Mr. Blum decided to relocate to Staten Island. He built a large brick house in the upscale neighborhood of Southeast Annadale, with four bedrooms and five bathrooms, a two-car garage and a pool.
Mrs. Blum did not want to move. “He wanted her to go live with him in his big house with a swimming pool, but she loved the city,” said the friend who wished to be unidentified. “All her friends were there, and with his lifestyle, if she went with him, she knew she would be alone a lot.” Mrs. Blum stayed in Queens and Mr. Blum moved into the new house.
The Blums eventually divorced, and Mr. Blum lived the life of a bachelor. There were women and lots of poolside parties. “Every Sunday we would swim in the pool, drink and eat — he’d like to make steaks this thick on the grill,” said his friend, holding his fingers five inches apart.
Mr. Goldgrub, Mr. Blum’s godson, saw Mr. Blum for the last time at the bar mitzvah of his son in 1995. Mr. Blum was furious that he was not asked to light a candle for the boy, an honor, and told Mr. Goldgrub’s father he was taking his godson out of his will.
But Mr. Blum’s business on Staten Island was growing. Known as shrewd and hard driving, he could often be found early in the morning, cup of coffee in hand, sitting in the garage of one of his model homes, displaying sample materials and giving prospective buyers the hard sell.
Months before he died, Mr. Blum fell down the stairs of his home and broke his leg, lying on the floor for four hours before a cleaning woman found him, according to Mr. Daino. It was Mr. Daino who took him to the hospital and who eventually signed him out.
“He had no one else, I was the only person he had,” Mr. Daino said. The leg never fully healed, and Mr. Blum, who remained at home in a hospital bed with 24-hour care, died in early January 2012.
After the hospital rabbi found his body in the morgue, he notified Mr. Fishler, the lawyer, who then notified Mr. Blum’s old friends from Queens. To the surprise of many, Mr. Blum had bought a cemetery plot next to his former wife’s. He was buried there.
“It is a heartbreaking story, a tragedy,” said Mr. Pomeranc, who was one of the few people who attended Mr. Blum’s funeral. “I spoke with him three days before he died. We were going to get the whole group together and take a ride out to see him that weekend. But it didn’t happen, and then the next week he passed away.”
None of Mr. Blum’s friends know why he never wrote a will. Those close to him say it may have been superstition or, after coming so close to dying during the war, a refusal to contemplate his own mortality. He may also have been unwilling to share the full details of his estate with a lawyer, the desire for secrecy a holdover from his experiences during the war.
Had the Blums had children, the estate would have gone to them, even without a will. While Mrs. Blum, as his former wife, would not have been eligible — only a current spouse or a blood relative can claim an inheritance in the absence of a will — his friends hope that Mr. Blum had siblings back in Poland with whom he was not in contact or that, if he had had a child before the war, some distant relations are still living in Europe.
“It wouldn’t be that uncommon to uncover collateral heirs,” said Burt Neuborne, the civil liberties defender who was the lead counsel in recent Holocaust litigation against Swiss banks. “We often found that someone, like a third cousin twice removed, would come forward.”
Yet despite a worldwide search that included Poland and Israel, Mr. Gotlin said, “to date, there is no evidence of any living relatives.”
Mr. Gotlin continues to work on liquidating Mr. Blum’s estate. According to people familiar with his accounts, Mr. Blum had about $4 million in cash in his checking account. His house was put on the market for $729,000 and is now in contract, and an eight-acre parcel he owned on Forest Avenue, worth about $4.5 million, is also in contract. A safe deposit box had more than 70 $100 bills, coins from Canada and South Africa, and gold jewelry including a watch, a bracelet, cuff links, several necklaces and a ring.
Mr. Blum’s few remaining personal items, including photographs and a book on the Holocaust, have been put in a box in the basement of the public administrator, where they will remain sealed unless claimed by a blood relative.
Once Mr. Gotlin completes liquidating the assets, and if investigators fail to find a will or surviving kin, whatever money is remaining from Mr. Blum’s estate will be passed to the city’s Department of Finance. If, after three years, no one comes forward, the money would go to the state comptroller’s office of unclaimed funds, which has $12 billion in its accounts dating to 1943. That office keeps a portion of the estate and transfers a portion to the state’s general fund. If an heir comes forward, the entire amount is returned.
The last time his old friend from Zeilsheim saw him, the man pushed Mr. Blum to discuss the topic of a will. “I told him, ‘Look, I know you don’t want to talk about it, but’ — and he was already a little bit drunk — I said, ‘You have to do something,’ ” the friend said. “And he told me, he said, ‘I promise you, if anything happens to me, you are going to be proud. You’ll be proud of me.’ ”
The friend still clings to hope. “I believe a will is written,” the friend said. “Somewhere there is a plan: he made arrangements to use the money to build a home for children and to dedicate it to his child from before the war. I am sure of it.”
We all have superstitions and fears of dying, but to not face that eventuality you take the risk of your money going to no one, helping no charities and making the state you reside in richer.
Please take advantage of our free consultation where we will look at all of your papers, where you want your estate to go, who you want as Executors and how to protect many of your assets from even going through the probate procedures. For a free consultation in person either at one of our offices or in the comfort of your home, call us toll free at (866) 410-3126, Gary R Lieberman is an elder law attorney for Marin County and Josh Eisenberg is an elder law attorney for Marin County. Both Gary R Lieberman and Josh Eisenberg are members of the National Academy of Elder Law Attorneys.
Follow the Law Offices of Gary R. Lieberman On Face Book on Twitter and on Linked In and see who the staff of the Law Offices of Gary R. Lieberman are following.
*The foregoing report is designed solely for the purpose of providing very general and limited information on the subject matters. Readers should have their estate planning documents reviewed to determine their legal sufficiency and whether they need to be amended or replaced
Here is the article for you to read regarding veterans benefits you are your loved ones might be entitled:
During the period from 1945-1963, the United States government was preparing itself for an Atomic War, and in an effort to prove to soldiers that they could handle a nuclear battlefield, our government deliberately exposed hundreds of thousands of soldiers, to intense amounts of radiation over the course of hundreds of atmospheric nuclear weapons tests performed at test sites in Nevada and New Mexico. While the tests served the joint purpose of testing nuclear weapons and determining the effect of radiation exposure on soldiers, the unintended consequences of these tests resulted in radiation exposure to civilians living downwind of the testing sites as well as adverse consequences to those working in uranium mining and processing that was necessary to produce nuclear weapons. This exposure to radiation did not have immediate adverse health effects on most soldiers who participated in these exercises, but three decades later, the exposure to radiation produced an increased rate of certain life-threatening conditions, including several types of cancer.
In response to class action lawsuits filed by uranium mine workers who were critical to the development and production of nuclear weapons, Congress enacted the Radiation Exposure Compensation Act (RECA) in 1990 to compensate individuals who contracted one of 27 medical conditions presumptively related to radiation exposure during atmospheric nuclear testing.
1. While the government recognizes that monetary reparation does not completely compensate for burdens imposed on certain individuals, RECA does establish lump sum compensation in the amount of $75,000 for Veterans who were “onsite participants” at any of the atmospheric nuclear test sites, $100,000 for uranium miners, millers, and ore transporters, and $50,000 for individuals living downwind of the Nevada Test Site, including those living in certain counties in the states of Utah, Nevada, and Arizona.
While some Veterans have experienced difficulty proving that they were near radiation because of classified, inaccurate or lost records, as of January 30, 2013, 26,735 claims have been approved under the act, establishing a total compensation of $1,770,993,374.
2. Pursuant to the legislation, the RECA Trust Fund is currently scheduled to automatically sunset in 2022.
3. To establish eligibility, the Department of Veterans Affairs requires proof of service within the applicable dates and proof of a compensable disease list, which can be demonstrated by the submission of medical evidence. The Veterans or survivors of Veterans must also provide evidence from service records that they were exposed to radiation at one of the four sites where atmospheric nuclear testing was performed, at any designated location in a government installation where equipment used in an atmospheric detonation was decontaminated, or at any designated location used for the purpose of monitoring fallout of an atmospheric nuclear test conducted at the Nevada Test Site. If a Veteran or the survivor of a Veteran can establish eligibility by meeting the above criteria, he/she is eligible for a compensation award of $75,000. Given the numerous soldiers, sailors, and Marines who took part in atomic battlefield exercises, there are still potentially hundreds of thousands of eligible Veterans, former uranium workers, and civilian “downwinders” who are entitled to radiation exposure compensation through the Radiation Exposure Compensation Act of 1990.
Please contact this office for more information regarding the Radiation Exposure Compensation Act and whether you may be entitled to compensation.
For a free consultation in person either at one of our offices or in the comfort of your home, call us toll free at (866) 410-3126.
Follow the Law Offices of Gary R. Lieberman On Face Book on Twitter and on Linked In and see who the staff of the Law Offices of Gary R. Lieberman are following.
*The foregoing report is designed solely for the purpose of providing very general and limited information on the subject matters. Readers should have their estate planning documents reviewed to determine their legal sufficiency and whether they need to be amended or replaced
Army Corporal Jerald Kendrick was 23 years old the first time he watched an atomic bomb explode. The light was so bright, he says, “you could see all the bones in your arms.” During the height of the Cold War, the United States conducted 210 atmospheric nuclear tests. What’s often forgotten today are the thousands of soldiers and Marines who performed various duties during the blasts, including charging the mushroom cloud.
Veterans who were involved in the tests, individuals who worked in the mines, and people downwind of the tests in the four corners region (“downwinders”) are entitled to automatic benefits up to $75K from the Veteran Administration if they have the evidence to prove that they fit one of these categories.
Please take advantage of our free consultation where we will look at all of your situation, and if you qualify we will help you. For a free consultation in person either at one of our offices or in the comfort of your home, call us toll free at (866) 410-3126, Gary R Lieberman is an elder law attorney for Marin County and Josh Eisenberg is an elder law attorney for Marin County. Both Gary R Lieberman and Josh Eisenberg are members of the National Academy of Elder Law Attorneys.
Follow the Law Offices of Gary R. Lieberman On Face Book on Twitter and on Linked In and see who the staff of the Law Offices of Gary R. Lieberman are following.
*The foregoing report is designed solely for the purpose of providing very general and limited information on the subject matters. Readers should have their estate planning documents reviewed to determine their legal sufficiency and whether they need to be amended or replaced
The Kaiser Family Foundation has issued a Kaiser Commission report available in PDF format about Medcaid, called Medi-Cal here in California, and the current uninsured. This report is addressing the Medicaid Eligibility and Enrollment for People with Disabilities Under the Affordable Care Act:
The Affordable Care Act (ACA) makes several changes to Medicaid eligibility and enrollment rules, effective January 1, 2014, that impact this population.
This report separates what people with disabilities have today and what will happen on January 1, 2014.
Medicaid Eligibility and Benefits Packages for People with Disabilities Today:
There are two general ways in which people with disabilities can qualify for Medicaid, Medi-Cal, today: first, people with disabilities can qualify for Medicaid based solely on their low income status if they fit into an existing coverage group, such as parents and other caretaker relatives, pregnant women, or children. Second, people with disabilities can qualify for Medicaid, Medi-Cal, at somewhat higher incomes, up to state-established ceilings, if they also meet disability-related eligibility criteria.
Once eligible for Medicaid, people with disabilities receive the benefits available through their state’s Medicaid plan, called Medi-Cal in California, including certain mandatory federal benefits and any additional optional benefits that the state has elected to provide. States presently have the option to provide a benchmark benefits package to certain Medicaid populations instead of the state plan benefits package, but few states have adopted this option to date, and people with disabilities are largely exempt from mandatory enrollment in benchmark coverage.
Medicaid Eligibility and Benefits Packages Under Health Reform
The ACA expands financial eligibility for Medicaid by requiring that participating states cover nearly all non-pregnant adults under age 65 with household incomes at or below 133% of the federal poverty level (FPL) beginning in January 2014. The law includes an income disregard of 5% FPL, effectively making the income limit 138% FPL, or $26,344 for a family of three in 2012. (The Supreme Court ruling on the constitutionality of the ACA maintains the law’s Medicaid expansion but limits the Secretary’s authority to enforce it, which may affect state implementation of the expansion.) Under the ACA, states must provide a benchmark benefits package to people who are eligible for Medicaid in the expansion group. The ACA also establishes the modified adjusted gross income (MAGI) methodology for determining financial eligibility; however, people who qualify for Medicaid based on a disability are exempt from MAGI methods and will continue to have their financial eligibility determined based on existing Medicaid rules. Consequently, there are two aspects of the ACA’s changes to Medicaid eligibility that are significant for people with disabilities: first, more people with disabilities may qualify for Medicaid based solely on their low income status, due to the ACA’s Medicaid expansion; the new regulations are designed to enable people with disabilities to enroll in Medicaid as quickly as possible. Second, people with disabilities who qualify for Medicaid in both a MAGI-related coverage group and a non-MAGI-related coverage group can enroll in the non-MAGI-related group to ensure that they can access the benefits package that best meets their needs.
All of these changes makes it important that you have the paperwork such as Advanced Medical Directives, Wills, and Asset Protection for your family secured, especially say if a disable parent or grandparent are going to need you to provide as a care-provider or to provide one for them.
Please take advantage of our free consultation where we will look at all of your papers, compare them to what you want and then advise you how to get there. For a free consultation in person either at one of our offices or in the comfort of your home, call us toll free at (866) 410-3126, Gary R Lieberman is an elder law attorney for Marin County and Josh Eisenberg is an elder law attorney for Marin County. Both Gary R Lieberman and Josh Eisenberg are members of the National Academy of Elder Law Attorneys.
Follow the Law Offices of Gary R. Lieberman On Face Book on Twitter and on Linked In and see who the staff of the Law Offices of Gary R. Lieberman are following.
*The foregoing report is designed solely for the purpose of providing very general and limited information on the subject matters. Readers should have their estate planning documents reviewed to determine their legal sufficiency and whether they need to be amended or replaced
Josh Eisenberg who is a member of the National Academy of Elder Law Attorneys was quoted as saying:
“Clients should really consider having a durable power of attorney for financial management (Finance DPOA) created on their behalf. Generally … an agent under a power of attorney will step in during the individual’s lifetime to make financial decisions on his/her behalf. Moreover, [with a living trust], the trustee will only have power with respect to trust assets, so the agent under a DPOA will be still be in charge of any assets not in the trust during the principal’s lifetime.
“This agent (as well as a successor trustee) should be selected with great care to ensure that the person is financially savvy enough to understand his/her fiduciary role, is trustworthy enough not to squander trust or other estate assets, and that the person appointed will carry out the wishes of the principal in the event that he or she cannot do so for him/herself.”
Josh Eisenberg, a trusted estate attorney, emphasized the value of a more formal Durable Power of Attorney to cover financial matters should a client’s mental health decline. Depending on scope, the agent would have the ability to spend the principal’s money, so choosing someone who will indeed act in the client’s best interest is of paramount importance.
Please take advantage of our free consultation where we will look at all of your papers, compare them to what you want and then advise you how to get there. For a free consultation in person either at one of our offices or in the comfort of your home, call us toll free at (866) 410-3126, Gary R Lieberman is an elder law attorney for Marin County and Josh Eisenberg is an elder law attorney for Marin County. Both Gary R Lieberman and Josh Eisenberg are members of the National Academy of Elder Law Attorneys.
Follow the Law Offices of Gary R. Lieberman On Face Book on Twitter and on Linked In and see who the staff of the Law Offices of Gary R. Lieberman are following.
*The foregoing report is designed solely for the purpose of providing very general and limited information on the subject matters. Readers should have their estate planning documents reviewed to determine their legal sufficiency and whether they need to be amended or replaced
The 2013 Medicare Part A and B general enrollment period runs from January 1 through March 31, 2013. As detailed below, this enrollment period Credit union fees is especially important for many individuals who are not eligible for premium-free Medicare Part A.
Most people do not pay a premium for Medicare Part A because they have sufficient work history. However, for people who do not have this work history, the Part A premium can cost several hundred dollars per month. In addition to the important benefits covered under this component of Medicare (primarily hospital, skilled nursing facility, and some home health and hospice coverage), Part A entitlement triggers eligibility for the Qualified Medicare Beneficiary (QMB) program. QMB helps certain low-income people with health care costs associated with Medicare, including all of Medicare Part A and Part B premiums and cost-sharing and nearly all of Part D premiums and cost-sharing. Without being enrolled in Part A first, however, beneficiaries cannot enroll in QMB.
Some of this is tied in to California’s Medi-Cal program, we are specialists in how to advise you if you are qualified for this as well as ALL trust accounts for your assets protection that you might need establish for your family and heirs.
Please take advantage of our free consultation where we will look at all of your papers, compare them to what you want and then advise you how to get there. For a free consultation in person either at one of our offices or in the comfort of your home, call us toll free at (866) 410-3126, Gary R Lieberman is an elder law attorney for Marin County and Josh Eisenberg is an elder law attorney for Marin County. Both Gary R Lieberman and Josh Eisenberg are members of the National Academy of Elder Law Attorneys.
Follow the Law Offices of Gary R. Lieberman On Face Book on Twitter and on Linked In and see who the staff of the Law Offices of Gary R. Lieberman are following.
*The foregoing report is designed solely for the purpose of providing very general and limited information on the subject matters. Readers should have their estate planning documents reviewed to determine their legal sufficiency and whether they need to be amended or replaced
Paper Love
PaperLove LLC was founded with the imperative of providing top quality estate planning and financial services to the gay and lesbian communities of Sacramento, Northern California and beyond.
May 6th, 2013 
news-admin 
Nazarian and Associates
Paper Love