新奥尔巴尼资产保护律师

We make plans to get together with friends and plans to go away on vacation, but many of us delay making plans for our care as we age. Such an important issue may seem like an overwhelming prospect, but it doesn’t have to be.

咨询经验丰富的 新奥尔巴尼资深律师 can help you get organized, identify your goals, and prepare for what’s ahead. Whether you are years away from needing long-term care or al准备好了 have a loved one in a nursing facility, there are tactics and tools that can be implemented 帮助 protect assets from the high costs of such care.

为什么选择我们?

我们新奥尔巴尼的资产保护律师在 丘奇，兰登，洛普，巴内特·劳 have guided many people through the estate planning process efficiently and effectively. When you’re 准备好了 to discuss developing such a strategy for you and your family, we are here for you.

We understand the sensitive nature of these topics and are committed to providing each of our clients with personal attention. While asset planning may not be easy to talk about, we encourage you to speak candidly about your wishes so that together we can map out the best route possible for taking control of future healthcare challenges.

We want to be the advisors that you trust to find solutions. We are committed 帮助ing you quickly and as affordably as possible. We will represent you and ensure that your wishes are followed through.

讨论你的情况和选择, bet9九州体育登录线路 our office by calling (812) 725-8224 or filling out our online form.

How Our 新奥尔巴尼资产保护律师s Can Help

我们可以提供资产保护策略. There are some gray areas when it comes to asset protection laws within each state. In an effort 帮助 clients work within the laws, a wide variety of asset protections strategies have been put into use. We help you determine which strategy is best for your situation.

确定最佳策略, 我们考虑了你的经济状况, 因为这对你的资产有直接的影响. 当你检查你的财务状况时, 我们审查哪些属性可以被保护, 转移, 还被起诉了. This is why it’s critical to be honest about the entire situation and any litigation that could come about in the future. If we don’t have the proper knowledge of your current and potential future situations, our asset protection lawyers cannot implement the right protection strategies.

A 新奥尔巴尼 asset protection attorney may use a few strategies when working with you to determine which strategy is most effective.

有限责任公司

资产保护律师可能会建议, 如果你是一个企业主, that you create a limited liability company (LLC). Creating an LLC can protect personal assets from lawsuits or 债权人 who may attempt to take advantage of your business. There are some limitations when creating an LLC because it creates a separate identity for the business and its owners.

However, you are still liable for any debts that may occur from your company including 破产. The good news is these debts won’t impact your personal account or family home. If someone files a claim against your business, all your personal assets are protected.

责任保险

An asset protection attorney might recommend using liability insurance as a line of defense. This insurance protects the buyer from lawsuit liabilities. If this isn’t something you al准备好了 have, we will absolutely recommend it. Liability insurance is a strategy that can be used for homes and businesses.

退休帐户供款

Another strategy a 新奥尔巴尼 asset protection lawyer may recommend is to maximize the contributions you make to retirement accounts, 养老金计划, 等. This is a smart way to shield your assets from potential lawsuits and 债权人. 当你把钱存入这些账户时, it is not subjected to lawsuits or court judgments under federal Employee Retirement Income Security Act (ERISA) laws.

长期护理费用

The cost of long-term care depends on variables including location, 供应商使用, 以及所需护理的类型和持续时间. 例如, 一些护理机构有包罗一切的费用, while others charge extra for services that go beyond the basic amenities. Health aides who make home visits are generally more expensive in the evening, 在周末, 在假期里.

根据 美国老龄问题委员会, here are the costs you could expect to pay statewide in 印第安纳州:

• $235 per day or $85,775 per year for a semiprivate room in a nursing home
• $279 per day or $101,835 per year for a private room in a nursing home
• $3,693 per month for care in an assisted living facility (for a one-bedroom unit)
• 家庭健康助理每小时20美元
• 家政bet9九州体育登录每小时19美元
• $80 per day for services in an adult day healthcare center.

Statewide long-term care costs in 肯塔基州 are estimated at:

• $241 per day or $87,965 per year for a semiprivate room in a nursing home
• $265 per day or $95,265 per year for a private room in a nursing home.

为什么明智的决定很重要

No matter what your age or what state you live in, you can benefit from making an informed decision on how best to preserve your independence, 你的家, 还有你的积蓄. 一旦你超过65岁, 你可以申请医疗补助, a benefits program jointly administered by the federal government and the states. Medicaid kicks in 帮助 pay for nursing home care only for people who meet certain income and asset levels.

Among the many complexities of the Medicaid system is keeping up with all the changes including the allowed amounts, 每年都有变化. The “lookback rule” is one of the reasons it’s important to plan ahead. 在这个规则下, eligibility for Medicaid may be denied if the person going into the nursing home 转移 assets for less than fair market value within 60 months before his or her application for Medicaid benefits.

Whether you are a single or a married Medicaid applicant, an assessment of your resources is made. 对于已婚夫妇来说, whether an account is in your name or a spouse’s name, 你所有的非免税资产都加起来了. This amount is then used to determine the “spousal share,” the amount the government will allow the at home spouse to keep. If the applicant’s resources or income are one penny too high, the applicant will not receive Medicaid benefits.

在教堂，兰登·洛普 & Banet, we use the Medicaid rules for your advantage. Often, for a married couple with an at home spouse, we can preserve nearly 100% of your resources. For a single person applying for Medicaid benefits we can often save at least half of your resources. Remember, half of something is better than all of nothing. If that single Medicaid applicant has been proactive, we can often preserve even more of his/her resources. 因此，计划永远不会太早.

法律程序和协议

If you don’t have legal contracts and procedures in place, you are risking the possibility of losing your assets to 债权人. 作为持牌专业人士, we can help draft these agreements for you and ensure you are following procedures correctly to keep assets safe. When you have a well-crafted and thought-out asset protection plan, it is a great tool to use to protect yourself and your assets. A skilled asset protection attorney can use it as leverage to convince a creditor to settle out of court when needed. Even if a creditor attempts to get through your plan and goes through the expense of a lengthy trial, 这个计划可以保护你.

我们的资产保护律师回答常见问题

Below are a few of the most frequently asked questions answered by our 新奥尔巴尼 asset protection attorneys at CLLB.

If you have additional questions, bet9九州体育登录线路 our asset protection lawyers today at (812) 725-8224.

你还应该知道什么

Both outright asset transfers to family members or to a trust for the applicant’s benefit have advantages and disadvantages. 例如, an outright transfer is subject to the whims of human nature. 这是, you could end up having a bad relationship with the child you gave your assets to, or your assets could be swallowed up by that child’s divorce, 破产, 债权人, 不良投资, 或者消费习惯.

另一方面, you do not have access to the money in a trust and the trustee cannot have any discretion to distribute trust principal to you, or else the principal will be considered a resource for Medicaid purposes.

While it is not illegal to structure one’s assets in an effort to qualify for Medicaid nursing home benefits, 出于这个原因隐藏资产是犯罪行为. 不确定有什么区别? 咨询我们的新奥尔巴尼老年律师. They can advise you on what can be done within the confines of the law.

Contact a 新奥尔巴尼资产保护律师 at CLLB Today

无论你的处境如何，无论你对未来的希望如何, 新奥尔巴尼号, 教会的资产保护律师, 兰登, Lopp, Banet Law可以提供帮助. We understand the issues and can guide you through the planning process. We will work closely with you and help you make the best decisions possible.

We have worked with many families, and we look forward to working with yours. 为熟练和知识渊博的代表, bet9九州体育登录线路 us by calling (812) 286-2735 or filling out our online form.

总部设在新奥尔巴尼, 印第安纳州, we proudly serve communities throughout Kentuckiana including, 但不限于, 杰斐逊县(肯塔基州), 弗洛伊德县(印第安纳州), 克拉克县(德州), 哈里森县(IN).

客户证明

”Very nice and professional with exceptional knowledge of the laws, courts and Judge’s in the area! They made me feel comfortable and made everything easy for me. 加里和他的员工让我惊叹不已!!!——Poppy Cobb(谷歌评论)

律师史蒂夫·兰登

Licensed to practice in both 印第安纳州 and 肯塔基州, Steve 兰登 is an experienced elder law and trial attorney. 除了他的诉讼和审判工作, 史蒂夫的执业包括立遗嘱, 信托基金, 遗嘱认证, 医疗补助计划, 监护, 授权书, 以及高级指导计划, including living wills and health care surrogate designations. [ 律师生物 ]

律师加里·巴内特

Gary is licensed to practice law in both 印第安纳州 and 肯塔基州. 他专注于遗产规划, 遗产及信托管理, 遗产及信托诉讼, 监护, 老年人法和特殊需求规划. 加里赢得了他的J。.D. 来自路易斯维尔大学，路易斯D. Brandeis School of Law, and formerly practiced law at Bingham Greenebaum Doll and Wyatt, Tarrant & 库姆斯. [ 律师生物 ]