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HOLIDAYS CAN POSE SOME CHALLENGES FOR YOUR LOVED ONES.

Posted on November 22, 2022 | Comments Off on Holidays can pose some challenges
for your loved ones.

It’s the hap-happiest season of all…but for many who are elderly and may have
some dementia, and their families, it can be fraught and lead to meltdowns that
can ruin the careful plans for the many festivities you planned.   Just like
with younger children, exposure to hours of fun can

Be mindful of your loved ones need to rest from the festivities

 be detrimental as it may lead to overstimulation.  At best, the frantic pace
many of us endure can lead to a meltdown and at worst, it can lead to a
healthcare crisis.  We just aren’t all going to be able to celebrate the way we
used to as we age.  Here are some tips for a more meaningful holiday with your
aging loved one:

 * Consider writing out a schedule with times and dates for the various
   activities you plan to host/join
 * Write out the expected duration of each activity
 * For your loved one who is unable to drive themselves, add in any time
   traveling, or early/late departure and arrival
 * If the activity is at your or a relative’s home, plan on having a quiet room
   with a place to rest and invite your loved one to become acquainted with the
   space so that they can self isolate when it becomes too much.  This is
   especially important for all day festivities.
 * Plan with your loved one how he or she might want to participate (or not),
   keeping any mental or physical limitations in mind.  If you plan an afternoon
   of trivial pursuit, this might make them feel left out and confused if they
   aren’t up to it.
 * If your loved one is not able to self regulate, limit the exposure to any one
   event to one hour and have a designated room for them to rest before and
   after, and select the most meaningful time for them to be engaged
 * If your loved one is homebound, resist the urge to plan events at their home,
   as this will inevitably be difficult for them, even if they insist.  Instead,
   plan short visits around times where they are most active.
 * For those with dementia, early hours will often be better as “sundowning” may
   severely impact their cognition and ability to cope.  Plan a breakfast or
   brunch instead of a dinner.
 * Plan some safe topics to bring up if your loved one has memory issues,
   perhaps see if some music may be helpful rather than conversation.
 * Explore memories of holidays past to see if this is a winning topic or one
   that will make them sad, before the big events.
 * Engage in simple crafts to help them be engaged, something simple like making
   festive paper chains may make them feel better than complex ornament making
 * Gauge their limits but don’t skip the time together, even if it is simply
   watching the fireplace or a holiday movie, if your loved one is in a facility
   or homebound, maybe a visit with one or two relatives at one time for an
   hour, with something good to eat and to chat, will be enough before they need
   to rest.
   
   
   
   Don’t leave out your loved one in the nursing home, plan appropriate visits



 

Comments Off on Holidays can pose some challenges for your loved ones.

Posted in Long term care planning, Uncategorized


THE MOST WONDERFUL TIME OF THE YEA……

Posted on December 18, 2019 | Comments Off on The most wonderful time of the
yea……

Many seniors you will come in contact with will not be enjoying the season as
much as you are

Even though it is the time of the year that we have been hard wired to
anticipate and enjoy this time of year more than any other, we are surrounded by
people who are having the hardest time of their year.  As we age, sadly, we
start losing those we love – through age, bad luck, bad health, or other,
terrible circumstance, the holidays we treasure suddenly become emotionally
frought, difficult times.  Keep in mind that the poor attitude you get may
actually be the result of serious depression during what is now the worst time
of the year.   It never hurts to be kind, any time of the year, but this time of
year most of all, many may treasure your understanding and patience more than
your cards or platitudes.

Even more difficult for many to understand as our loved ones age is that the 
brain ages too, and often, the frenzied pace of a hectic holiday season, as this
one has been, can lead to meltdowns and hospitalizations for those who are
already cognitively compromised.  If you are caring for a loved one, or planning
a family event that includes a parent or family member with dementia, keep the
hoopla to a minimum.  First, for those with more advanced dementia, a change of
scenery will almost always be a bad idea.  Those with more advanced dementia
will develop a “safety net” in their familiar surroundings and deviations to
that net will inevitably lead to increased confusion at best, aggression at
worst.  Those with earlier stages of dementia or mild cognitive impairment will
also not thrive in a new environment with lots of activities.  It would be best
if traveling to make arrangements for the loved one to have a quiet room as far
away from activity as possible.

Try to be a considerate host or guest when holiday events will involve your
loved one with dementia

Also make sure that the loved one is not left alone to wander, as
many senior alerts will arise this time of the year due to the confused person
trying to find their way “home.”  For parties, even just for families, schedule
quiet interludes for the person to rest and nap, to make sure they are able to
adjust to the different activities well.  And for all, make sure you have a list
of emergency numbers that include your local emergency room, a geriatric
psychiatric unit (not being dramatic, you may need it) and your loved one’s
physician’s on-call number.  It is a good idea to consult with their physician
regarding a proposed trip or visit.   

If family will be visiting the person who is compromised, try to be considerate
of the person as well as the caregiver.  Caring for someone with dementia is
often a difficult, 24 hour a day job.  Throw in the holidays, and there are a
lot of expectations of having a Christmas “like we had when we were kids.” This
will cause a huge amount of anxiety for the caregiver which will likely transfer
to the patient.  Those family members visiting from out of town should, if at
all possible, stay at a nearby hotel.  This will give the caregiver and the
compromised person a break.  Try to plan for meals that would include catering
or take-out, to minimize the amount of outings, which will be difficult.  Even
if the mentally compromised person can “get around fine”, that doesn’t mean that
it is an easy outing, by any stretch of the imagination.

In short, keep your expectations realistic.  Plan on shortening events, and
planning lots of down-time.  Try to be considerate to both patient and caregiver
when visiting.

Wishing you and yours the happiest of holiday seasons and best wishes  for a
great new year from all of us at Aging in Alabama.

Comments Off on The most wonderful time of the yea……

Posted in Long term care planning


COMPLICATIONS FROM VA RULES FOR MEDICAID PLANNING. PART 2. EFFECT OF
TRANSFERRING TO DISABLED CHILD

Posted on August 28, 2019 | Comments Off on Complications from VA rules for
Medicaid planning. Part 2. Effect of transferring to disabled child

Observing the Vietnam Veterans Memorial in Washington, DC

Since the new VA rules went into effect on October 18, 2018, there will be many
effects on Medicaid planning.  One significant impact will be the effect of
transferring property to a disabled child, as many of our transfer examples in
Part 1 of this series sets out.  The transfer penalties under the new VA rules,
or the lack thereof, will be the same if the money is given to a non-disabled
adult child, or a non-relative, an organization, or other type of unauthorized
conduct.  For example, the VA also penalizes the applicant purchasing annuities
for themselves after 10/18/2018.

So what’s the story about the disabled child exception? When faced with a
healthcare crisis, many people are able to avoid the impact of transferring
assets when one of their children is disabled.  First, the Medicaid rules permit
the parents to transfer not only their home, but potentially all assets to a
disabled child without penalty.  So those who consult with an attorney earlier
in their lives or in the process can avoid the painful process of liquidating
all of their assets and spending them on the nursing home.  Second, there is no
lookback period for this transfer under Medicaid rules as it is an exception to
the rules, so there is no 5 year period to wait so,  the veteran may choose to
wait to see what happens before committing to a plan that would transfer assets
until absolutely necessary, which will delay the ill effects of the transfer,
notably, capital gains tax implications from the loss of stepped up basis when
property is transferred during the life of the parents rather than after death
as well as the personal loss of control of the asset.  Of the many things that
could happen is that the applicant never lives long enough to qualify for
Medicaid, so this really does a great service by permitting that decision, with
its associated devastating costs, to be kicked down the road until Medicaid
qualification is imminent.

So, what’s the problem with VA benefits?  The problem is that the VA has a
different definition of disabled child, and will penalize the transfer to a
disabled child that does not meet the VA’s definition.  The VA counts a child as
disabled if we can prove that they were disabled for VA purposes or, in other
words, were disabled prior to age 18.  First, many adult children of our clients
become disabled due to work injury or illness later in life, so do not qualify. 
Many of our older clients had adult disabled children who were disabled prior to
age 18, but no evidence exists after 50 years.  Significantly, many parents of
children who were intellectually disabled simply kept them at home as there were
no alternatives or benefits 50 years ago.   School systems and physicians do not
keep records for 50 years.  So, many of our clients cannot prove their child’s
disability met VA standards.

If the transfer to the disabled child occurs on or after October 18, 2018, then
the result will be that, when the parent must apply for Medicaid, they must
first apply for all other benefits to which they are entitled, including VA Aid
and Attendance.  If the transfer, for example, is a $200,000.00 in cash, and the
couple before the transfer had $300,000.00, then the penalty amount would be
$172,939 divided by $2230 (see part I of this series below) or 77.55 months,
which is greater than 60, reduced to the maximum 5 year penalty   For that 5
year period, the applicant is disqualified from receiving the VA benefits due to
the transfer.  (Keep in mind that, by further contrast, Medicaid has an
UNLIMITED PENALTY PERIOD, so it is always better to consult with someone
knowledgeable prior to applying for Medicaid to avoid the results of applying
too early.  If this situation were a Medicaid problem and resulted in a 77.55
month penalty, then the better situation would be to wait 5 years to file the
application, rather than filing and waiting 6 years, 7.55 months for the penalty
to expire.  Were this a Medicaid issue, that 18 month extra penalty would cost
in real life up to $180,000 EXTRA).

But, back to the VA.  It would be better to wait for 3 years but what if you do
not have 3 years worth of money?  In this case, it might be better, if you are
in a state where Medicaid does not penalize funds into special needs trusts, to
set up a special needs trust with the disabled child as the beneficiary, before
Medicaid.  This way, the transfer would not interfere with VA benefits.  Other
options may be to pay for care in a different setting, pay off a mortgage or car
note, buy prepaid funeral arrangements, or perhaps loan the funds with a proper
promissory note and repayment schedule.

If the transfer is done and there is nothing that can be done about it, then
when you get a penalty from the VA for those 5 years, there will be a hole that
is VA sized each month that Medicaid may act like the VA money is there, 
depending upon how your local Medicaid office handles it, for example, it is
likely that the award will be for the parent to pay the nursing home their
income PLUS the $2,230 per month each month for 60 months.   This is
$133,800.00, so in the end the transferred funds will more than cover it, with
more than $67,000 left over, so that might be a better solution then trying to
pay private pay for 3 years.

As new information becomes available, we will update this section.

Comments Off on Complications from VA rules for Medicaid planning. Part 2.
Effect of transferring to disabled child

Posted in Aid and Attendance, Benefits, Financial Transactions, Long term care
planning


COMPLICATIONS FROM VA RULES FOR MEDICAID PLANNING. PART 1. CALCULATING INCOME,
ASSETS AND TRANSFERS AFTER 10/18/2019

Posted on August 13, 2019 | Comments Off on Complications from VA rules for
Medicaid planning. Part 1. Calculating Income, Assets and Transfers after
10/18/2019

New VA rules went into effect on October 18, 2018 for all applications for Aid
and Attendance on or after that date.  While some of those rules appear to
correlate with Medicaid rules, they really do not resemble those rules at all.

First, a veteran in 2018 may have up to $127,061 in “net worth” and still
maintain eligibility for Aid and Attendance purposes.  But, the annual income is
included in that $127,061 number, which is not the case for Medicaid, which
speaks in “countable assets” not “net worth”.

World War II veteran Zane Grimm at the Memorial Day Ceremony on May 27th, 2013,
at the San Francisco National Cemetery. Attribution to Frank Schulenburg,
source: https://commons.wikimedia.org/wiki/File:Memorial_
Day_2013_%E2%80%93_San_Francisco_National_ Cemetery_%E2%80%93_06.jpg

So, a couple with $100,000 and a $36,000 annual income will not qualify for Aid
and Attendance without something else.  That something else may be the cost of
care that the Veteran pays, that may be deducted from the income for eligibility
purposes.  So, if a veteran is paying $3,000.00 per month for care, then the
income is 0.00.

Next, there are exceptions to net worth and how they are counted.  As we discuss
in more detail in another post, your home may or may not be countable. 
 Typically your vehicle, your funeral benefits, household contents and personal
effects are not countable.

The other aspect of the new rules is how the amount for penalty is calculated,
which differs from Medicaid as well.  For Medicaid purposes, if you transfer
$100,000, for example, and there are no exceptions to the transfer rule, then
Medicaid will penalize $100,000.

First, for the VA only the amount that affects VA eligibility is impacted, so
the amount transferred is added back to your “net worth”, and only to the extent
that the transferred funds impacted your eligibility are you penalized.  So in
these two examples, you can see how the “penalty” is calculated for both
medicaid and the VA:

1.  Veteran transfers $40,000 to adult disabled child who does not meet VA
criteria for disabled child.  Veteran has net worth, after transfer, of 71,000. 
The VA does NOT penalize at all, since $71,000 plus $40,000 is $111,000, so the
transferred funds were not for the purpose of having the Veteran qualify for
benefits, as he qualified prior to the transfer.  Medicaid will not penalize so
long as disabled child meets criteria for disability under Social Security
regulations.

2.  Veteran transfers $ 40,000 to adult disabled child who does not meet VA
criteria for disabled child.  Veteran has net worth, after transfer, of
111,000.  The VA will penalize the difference between $151,000 and $127,061, the
net worth limit, since the amount prior to the transfer kept the Veteran from
qualifying for Aid and Attendance.  So, the VA will divide the difference of
$22,939 by the MAPR or Maximum Annual Pension Rate of $2,230 and the penalty
period will be 10 months that the Veteran will not receive Aid and Attendance.
Medicaid will not penalize so long as disabled child meets criteria for
disability under Social Security regulations.

3.  Veteran transfers 120,000 to non disabled adult child who is out of work and
Veteran has, after transfer, no assets, but does have $31,000 income.   In this
case, the VA will treat the penalty the same as in example 2, but Medicaid will
penalize the $100,000.   Because the Medicaid penalty will be longer than 10
months, there shouldn’t be any other fallout.  But, if the Medicaid penalty was
shorter, there could be. Again, stay tuned.

So a question may arise about how to handle these penalties, particularly if the
client goes into the nursing home.  If you do not apply for Aid and Attendance,
then you do not qualify for Medicaid, period.  If you do apply for Aid and
Attendance, it will be subject to a 10 month penalty.  Medicaid will still award
but it is unclear how Medicaid will treat the VA’s imposition of a penalty,
since in the situation set out in the second scenario, Medicaid would not have
penalized under the same circumstance and in the third scenario, it will.  I
think its going to be a great debate for some time.  In these circumstance, the
client has done absolutely nothing wrong and is simply trying to care for a
child that is not self sufficient.   Would Medicaid require that the client pay
back the funds or face a penalty for Medicaid purposes?  Not without a great
overhaul of their rules in the second scenario but could be for the third?  Or
in the case that the Medicaid penalty ends before the VA penalty?  I don’t think
that Medicaid can simply act like you received the benefits either, as some
transfer situations may dictate in those most draconian of jurisdictions.   The
requirement that you apply for benefits for which you are entitled has been met,
so Medicaid should simply award without reference to VA benefits.  But, you
should be prepared for the 10 month penalty period to be over and for the
additional income to be awarded to ensure that it does not affect eligibility at
that point for Medicaid and notify Medicaid of the new income.

 

Comments Off on Complications from VA rules for Medicaid planning. Part 1.
Calculating Income, Assets and Transfers after 10/18/2019

Posted in Aid and Attendance, Benefits, Financial Transactions, Long term care
planning


NEW VA AID AND ATTENDANCE RULES NOW IN EFFECT

Posted on October 19, 2018 | Comments Off on NEW VA AID AND ATTENDANCE RULES NOW
IN EFFECT

MORE IMPORTANT THAN EVER TO FIND OUT HOW THE NEW RULES WILL AFFECT YOU

On October 18, 2018, the VA regulations governing Aid and Attendance were
radically changed.  It is more important than ever to get advice to avoid a 5
year penalty when you can least afford it.  The important changes that will
impact you are:

 * NEW 3 YEAR LOOKBACK PERIOD
 * TRANSFERS PRIOR TO 10/18/2018 WILL NOT BE PENALIZED
 * UP TO A 5 YEAR PENALTY IN PLACE FOR TRANSFERS ON OR AFTER 10/18/2018
 * TRANSFERS TO DISABLED CHILDREN WILL NOT AVOID PENALTY UNLESS CHILD RATED
   DISABLED BY VA (DISABLED PRIOR TO AGE 18)
 * AMOUNT THAT A VETERAN CAN HAVE AND APPLY RAISED TO $123,600 AND ADJUSTED EACH
   YEAR, THIS WILL INCLUDE INCOME AS WELL AS ASSETS
 * HOME WILL NOT COUNT AS AN ASSET UNLESS IT IS MORE THAN 2 ACRES

Comments Off on NEW VA AID AND ATTENDANCE RULES NOW IN EFFECT

Posted in Aid and Attendance, Benefits, Financial Transactions, Long term care
planning


VA AID AND ATTENDANCE CHANGES GO INTO EFFECT 10/18/2018

Posted on September 27, 2018 | Comments Off on VA AID AND ATTENDANCE CHANGES GO
INTO EFFECT 10/18/2018

 

D-Day veterans listen during the Utah Beach Memorial Ceremony in Normandy,
France, June 4, 2016. (U.S. Navy photo by Mass Communication Specialist 1st
Class Sean Spratt)

These new rules drastically affect qualification for VA benefits.  Below is a
brief summary of the most drastic changes as they will affect our clients.  If
you have the need to apply or to increase your benefits, do so before 10/18/2018
or you will be under the new rules, which provide for:

 * 3 YEAR LOOKBACK PERIOD
 * Up to a 5 year penalty period for transfers
 * Transfers to annuities presumed to be transferred to qualify for benefits and
   will be penalized
 * Transfers to disabled children will be penalized unless child is rated
   disabled with VA
 * Asset limit raised BUT VA will count annual income as part of those “assets”
 * Home will be protected up to 2 acres of land, any other land will count
   towards assets even if attached/contiguous
 * The changes that may bring a penalty will, for certain, have a serious
   adverse impact on Medicaid qualification
 * All transfers must be complete before 10/18 

The full text of the new regulations can be found here.

Kyla Kelim, September 27, 2018

Comments Off on VA AID AND ATTENDANCE CHANGES GO INTO EFFECT 10/18/2018

Posted in Aid and Attendance, Benefits, Long term care planning


WISHING EVERYONE A BLESSED AND PEACEFUL HOLIDAY SEASON. MERRY CHRISTMAS FROM THE
STAFF AT AGING IN ALABAMA.

Posted on December 23, 2017 | Comments Off on Wishing everyone a blessed and
peaceful Holiday season. Merry Christmas from the staff at Aging in Alabama.

Merry Christmas from Aging in Alabama!

Comments Off on Wishing everyone a blessed and peaceful Holiday season. Merry
Christmas from the staff at Aging in Alabama.

Posted in Long term care planning


2016 AN INTERESTING YEAR

Posted on December 23, 2016 | Comments Off on 2016 an interesting year

Merry Christmas from Aging in Alabama!

2016 has been an interesting year and certainly a busy one for us at Aging in
Alabama.   This election year has put us all on a roller coaster, and probably
more than a few of you are breathing a sigh of relief and looking forward to
2017!  As always, we could not do what do we without you all, and we thank you
for your patronage, your interest and your service to everyone in the senior
community.  Remember to check on those around you who may be vulnerable or
lonely, or without this holiday season.   We hope you are enjoying all the
blessings of this season.

Comments Off on 2016 an interesting year

Posted in Long term care planning

Image


MERRY CHRISTMAS FROM AGING IN ALABAMA!

From our families to yours, have a blessed and Merry Christmas and a Happy New
Year.

Christmas at Aging in Alabama

Comments Off on Merry Christmas from Aging in Alabama!

Posted on December 24, 2015 in Free, Uncategorized


3 YEAR LOOK-BACK PROPOSED FOR VA AID AND ATTENDANCE. ACT NOW!

Posted on March 2, 2015 | Comments Off on 3 year look-back proposed for VA Aid
and Attendance. Act now!

Under current law, Veterans and their spouses are entitled to a much needed
stipend, Aid and Attendance, to offset the rising costs of their healthcare
needs and avoid nursing home placement.  The current monthly needs amount of
$2,120.00 for married veterans and $1149 for surviving spouses are in jeopardy.

 The Veterans Administration recently released new regulations that are
currently subject to a period for public comment.  One of the proposed
regulations will impose a three year “look-back period”, similar to that imposed
for Medicaid benefits, upon Veterans.  What this means is that those veterans
who are able to get benefits, have sacrificed by serving during wartime and have
counted on the VA to fulfill their promise to take care of the Vets and their
families, will find it difficult, if not impossible, to qualify for the benefits
without substantially eroding their personal savings.  Monies transferred would
result in a period of ineligibility for benefits, up to a TEN year period.

It is important to note that Congress has made several attempts to have this
type of rule put into place in the last several years but political pressure has
stranded the unpopular measure.  The agency is under no such pressure.

I encourage EVERYONE to immediately review their plans with an elder law
attorney in order to avoid being disqualified for much needed benefits.  You can
voice your opinion about the regulations here:
http://www.federalregister.gov/articles/2015/01/23/2015-00297/net-worth-asset-transfers-and-income-exclusions-for-needs-based-benefits.
You should also call or email your Congressman immediately to let them know that
this regulation, which will impoverish those that have sacrificed, should not go
into effect.  You can find your congressman here: 
http://www.opencongress.org/people/zipcodelookup.

Suggested text should be:

RE:         Loan Guaranty: Adjustable Rate Mortgage Notification Requirements
and Look-Back Period, 80 Fed. Reg. 4812 (January 25, 2015)

Dear Congressman (or Senator):

I am aware that the Veterans Administration has issued regulations that are now
undergoing a period of public comment.  I am outraged that the VA will impose
regulations that are designed to impoverish our Veterans after their years of
service.  The regulations are not carefully constructed to ensure the Veteran
and his spouse are not left impoverished, quite the contrary.  In addition,
there are no hardship provisions, no provisions to leave property for the
Veteran’s disabled children, and goes further to impose a draconian 10 year
penalty.

This is not the way to treat our Veterans.  All this is being done without the
input of our elected representatives and I am outraged.  I am requesting that
these regulations be withdrawn and that the Veterans Administration keep their
commitment to honoring and serving those who have already sacrificed so much for
our freedom.

Signed,  Your name

Please call Aging in Alabama with any questions, always a free telephone
consultation:  (251) 281-8120 or (855) ELD-RLAW.

Comments Off on 3 year look-back proposed for VA Aid and Attendance. Act now!

Posted in Aid and Attendance, Benefits, Financial Transactions, Long term care
planning

Tagged age in place, aid and attendance, benefits, care at home, financial, home
care, lookback, nursing home, paying for care, penalty, planning, transfers,
veterans

← Older posts



 * DID YOU KNOW?
   
   Nursing home costs have risen to nearly $300.00 per day. If you become ill
   later in life, your family may exhaust your savings and have to apply for
   nursing home Medicaid. If they do not know exactly how to handle your
   finances, they could very well be spending their own resources for your care.
   Find out what rules may apply in your case and set out a care plan early.


 * RECENT ARTICLES
   
   * Holidays can pose some challenges for your loved ones.
   * The most wonderful time of the yea……


 * CATEGORIES
   
   * Aid and Attendance
   * Benefits
   * Durable Power of Attorney
   * Financial Transactions
   * Free
   * Healthcare Power of Attorney
   * Long term care planning
   * Uncategorized


 * RECENT POSTS
   
   * Holidays can pose some challenges for your loved ones.
   * The most wonderful time of the yea……


 * DISCLAIMER
   
   The Alabama Rules of Professional Conduct requires the following: "No
   representation that the quality of legal services to be performed are greater
   than the quality of legal services performed by other lawyers."


 * COME SEE US LIVE! OR BOOK A SPEAKING ENGAGEMENT!
   
   Kyla Kelim speaking at the Alabama Power Retired Employees Annual Meeting,
   Grand Hotel, Point Clear, Alabama
   
   · Big Changes in VA Regulations: What You Now Need to Know to Obtain
   Benefits, myLaw CLE, national seminar, Miami, FL, March 14, 2019
   · Advanced Special Needs Trusts, myLaw CLE, national seminar, Miami, FL,
   March 14, 2019
   · Legal Technology for the New Law Office, myLaw CLE, national seminar,
   Miami, FL, March 15, 2019
   · Contested Guardianships, Alabama Elder Law Section CLE, Birmingham, AL,
   April 5, 2019
   · Transition and Placement, Alabama Elder Law Section CLE, Birmingham, AL,
   April 5, 2019
   · Special Needs Trusts for the Elderly and Disabled, Strafford Publications,
   national webinar, April 30, 2019
   · Asset Spend-Down for Medicaid Qualification, Strafford Publications,
   national webinar, August 20, 2019
   
   · Protecting your legacy, Radney Funeral Home, Mobile, AL. September 19, 2019
   
   · Advanced Special Needs Trusts, LawPractice CLE Seminars, national seminar,
   Atlanta, GA, November, 2019
   · Acute Healthcare Crisis, LawPractice CLE Seminars, national seminar,
   Atlanta, GA, November, 2019

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