Archive for January, 2010

Watch Out: Medicare Fraud is on the Rise

Thursday, January 28th, 2010

Fraud is occurring more often than ever and it happens when providers or suppliers of durable medical equipment, billing services or others seek Medicare reimbursements for treatments, equipment or supplies that were never provided. Some of the fraudulent claims to Medicare include unnecessary and uncovered tests that were claimed to have been provided at health clubs, retirement homes or shopping malls. Another is false diagnoses submitted inappropriately by healthcare providers who seek reimbursement for services that Medicare does not cover. And according to the FBI, seniors have become primary targets for these medical equipment schemes. For example, seniors that are asked to provide their Medicare health insurance claim numbers to receive products or gifts. Once they have the beneficiaries’ numbers the scammers can provide them to Medicare as fraudulent claims.

If you’ve had something like this happen to you here’s what you can do to protect yourself.

  1. Remember that your Medicare health insurance claim number and SSN are the same- so keep them secure!
  2. Review each and every Medicare Summary Notice carefully and report any suspicious looking claims immediately.
  3. Contact a Health Insurance Counseling and Advocacy Program Senior Medicare Patrol (SMP) Counselor. He or she can go over the specific details and if necessary, help move your case forward into a formal investigation.

3 Critical Steps to Planning for Long Term Care

Thursday, January 28th, 2010

1)      Plan for the long haul by ensuring you or your loved ones’ quality of life will be upheld as they age and can no longer advocate for their own care. Do this by having a Life Care Plan which includes an evaluation with a Geriatric Care Manager. (Consultation is provided for free at the Cal Elder Law Center)

2)      Take the pressure off of your loved ones by having your wills, trusts and power of attorney handled by a professional elder law attorney. By working with an elder law attorney to plan your estate you can avoid costly mistakes so you can leave behind an inheritance to your loved ones, and LEGALLY keep your house & life savings in the process.

3)      Take full advantage of the Medi-Cal benefits you qualify for. By doing this you can legally secure your house, life savings and ensure you or your loved one gets the quality care they deserve.

These are complicated and trying issues to navigate alone. You have rights. To learn how to take full advantage of those rights the California Elder Law Center provides a free clinic every Wednesday at 2pm in our offices.

Visit us online at www.calelderlaw.com or call (562) 627-9600! This is life saving information you can’t afford to miss.

Great Resources for Senior Caregivers

Thursday, January 28th, 2010

1)      Check out the Elder Dialogue & Meditation Center

(310) 544-TALK

  • Reduce stress and family conflict
  • Identify available resources and expertise
  • Brainstorm and explore possible options
  • Save your time, money, health and relationships

2)      What’s a reverse mortgage and how does it work? Well- they help homeowners age 62 and older create tax free income and cash reserves.

Common uses include:

  • Enjoying retirement
    • Increasing monthly income
    • Eliminating mortgage and other debt obligations
    • Covering health care costs

A reverse mortgage is a loan, that isn’t repaid. Rather the interest is added to the loan balance and collected at the end of the loan rather than each month. Interest is only charged on the amount of cash taken by the homeowners and its paid off when the home goes to the homeowners’ heirs.

3)  Have you or someone you know recently lost some of your Medi-Cal or Medicare benefits?  Check out this website to see if you qualify for health insurance. L.A. Care offers free and low-cost health coverage for adults and kids. They offer four health coverage programs, each with its own eligibility and income requirements: Click below to learn more!

4)  Check out this incredible organization, CaringBridge www.caringbridge.org They have helped thousands of families connect and update each other while a loved one is sick- please pass this along! Click below to learn more now!

Planning for Your Elder Years

Thursday, January 28th, 2010

If we were to ask an older person what his or her most important concerns for aging are, we would probably get a variety of different answers. According to surveys frequently conducted among the elderly, the most likely answers we would receive would include the following three principal concerns or life wishes:

1. Remaining independent in the home without intervention from others

2. Maintaining good health and receiving adequate health care

3. Having enough money for everyday needs and not outliving assets and income

To address these concerns or wishes and maintain the quality of life wanted in the elder years, it simply takes a little preplanning.

Few people do this kind of planning…. read the entire article by going to the link below

Please go to http://www.planforcare.org for more information. Or visit us online at www.calelderlaw.com, we’re happy to answer your questions and help you start creating a plan.

~With permission from the National Care Planning Council

5 Tips to Protect Seniors From Scams

Thursday, January 28th, 2010

Protect Yourself! Here are some tips to learn the signs of trouble and prevent scammers from hurting you.

  1. Avoid telemarketers by registering with the National Do Not Call Registry by calling toll free (888) 382-1222
  2. Screen out telemarketers with an answering machine, just remember to let your friends know that you have one and to leave a short message when they call
  3. Get unlisted at Google. Find out if your name and address is publicly listed at google.com by typing them into the search box. If you find it, it’s easy to remove your listing from there.
  4. Take your outgoing mail to a postal service mail box; don’t leave it in the mailbox at your home.
  5. Opt out of incoming credit card and insurance offers. They risk exposure to identity theft. You can also opt out by signing up at www.opoutprescreen.com

Learn the Stages of Dementia

Thursday, January 28th, 2010

GDS (Global Deterioration Scale) is the rating scale used to determine whether a person has cognitive impairments related to dementia. A cognitive impairment may be any deterioration in skills like thinking, knowing, learning and using judgment. The scale was first published in 1982 in the American Journal of Psychiatry by Dr. Barry Reisberg. Dr. Reisberg says the GDS stages are 1-4, pre-dementia stages, and 5-7 this is when a person can no longer survive without assistance. With more and more older adults being diagnosed with dementia, it often falls on loved ones to learn the stage there loved one is at, and how they can best care for them.

Because the stages often overlap, meaning symptoms from one stage start to seep into a previous stage it can be hard to find where a loved one may fall in the disease process. So to combat this problem, the GDS scale is another alternative to the staging process we already know has limitations.

The staging levels are:
Level 1- No cognitive decline
Level 2- Very mild cognitive decline
Level 3- Mild cognitive decline (forgetfulness)
Level 4- Moderate cognitive decline (decreased knowledge of current and recent events)
Level 5- Moderately severe decline (early dementia- patient can no longer survive without help)
Level 6- Severe cognitive decline (may forget their spouses name, delusional behavior, obsessive symptoms, etc.)
Level 7- Very severe decline (all verbal abilities are lost, requires assistance with everyday needs, loss of basic skills including the ability to walk)

To read the full article, please visit: http://bit.ly/9I0EVQ

This graph shows the impairment of activities in patients with deteriorating mental faculties.

Is a Living Trust right for you?

Thursday, January 28th, 2010

Knowing how to utlize a living will or living trust can be very helpful as part of your elder care plan.

Legal issues like trusts and wills can be confusing. What’s a living trust and how does it help you protect yourself?

Well here goes…

A living trust is basically a legal document that partially substitutes for a will. Within your trust, your assets including your home, bank accounts and stocks are put into the trust and would then transfer to your beneficiaries when you pass away. There are different kinds of living trusts- irrevocable and revocable. A revocable trust can be changed at any time by the person who created it. An irrevocable trust cannot.

Your Living Trust Agreement:

• Says who the trustee is or the person that has the legal rights to manage and control the assets in the trust.
• Instructs the trustee to manage the trust’s assets for your benefit during your lifetime
• Names the beneficiaries
• Gives guidance and certain powers and authority to the trustee to manage and distribute assets
A living trust can be an important part of your estate plan. You will still need a will however to ensure your assets transfer easily. A living trust can however help ensure that your assets will be managed according to your wishes, even if you become unable to manage them yourself.

Learn more by consulting a legal expert at California Elder Law Center. Visit www.calelderlaw.com or call (562) 627-9600.