tag:blogger.com,1999:blog-40428344568246297022024-03-04T23:15:52.543-08:00The Law Offices of Hoyt and Bryan, LLC Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.comBlogger41125tag:blogger.com,1999:blog-4042834456824629702.post-1028490498855758612015-06-26T08:05:00.000-07:002015-06-26T08:05:00.157-07:00Divorce Your Spouse Not Your Money<!--[if gte mso 9]><xml>
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No one likes to contemplate divorce. Unfortunately, the
reality is that 40% to 50% of marriages will end in divorce. This raises issues
that should be addressed by couples considering dissolving their union. Jeff,
and his wife, Sue, were in the process of divorcing when Jeff unexpectedly
passed away. The divorce was contentious, to say the least, and had not yet been
finalized. Jeff’s siblings wanted an autopsy done to confirm his cause of
death. Sue, still legally his wife, had all the control and opted to have Jeff
cremated immediately. As a result, there was no closure for the family and all
of Jeff’s assets passed to Sue since there was no estate plan in place.</div>
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This scenario can be avoided if you implement an estate plan
(if you don’t already have one) or update an existing plan. Most married
couples name each other as executor or trustee and as the primary beneficiary
of their estate plans. When contemplating ending your marriage, consider
updating these very important roles, as well.</div>
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If a person dies without a will (intestate), many state laws
provide that all assets pass to the surviving spouse. Most states consider a
couple legally married until a judge has signed a final judgment of dissolution.
This means that in many states, your soon-to-be-ex-spouse will still have
control over your money, property and person, should something happen to you.</div>
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When considering divorce, couples should immediately review their
estate plan along with all other aspects of their soon to be separate lives.
This would certainly have helped Jeff’s siblings avoid unnecessary turmoil.</div>
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Seek the advice of a qualified estate planning attorney to
guide you through the preparation of a will and related estate planning
documents. For more information or to schedule an appointment, call our office
at (407) 977-8080.</div>
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The Law Offices of Hoyt & Bryan assists families in the
protection of their loved ones by focusing their practice in the areas of
Estate Planning, Probate and Trust Administration, Elder Law including Medicaid
and VA Planning and Special Needs Planning, Pet Planning, Business Succession
Planning and Real Estate. The founders, Peggy Hoyt and Randy Bryan, are
both dual board certified by the Florida Bar in Wills, Trusts and Estates as well
as Elder Law. Hoyt & Bryan is the only law firm in Florida with the
distinction of two attorneys with these certifications. We offer many
complimentary educational workshops each week in our Learning Center at The Law
Offices of Hoyt & Bryan and monthly workshops in the Auditorium of One
Senior Place in Altamonte Springs. For more information please contact our
office at 407-977-8080 or visit our website <a href="http://hoytbryan.com/">HoytBryan.com</a>. </div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-75440532578646660642015-06-22T08:04:00.000-07:002015-06-22T08:05:23.313-07:00Asset Integration Part I- How you own your assets really does matter<!--[if gte mso 9]><xml>
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<div class="MsoNormal" style="text-align: justify;">
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;">A Living Trust provides one of the most flexible ways
to plan your estate. A Living Trust can appoint a successor in the event of
your disability, provide estate tax and asset protection benefits for loved
ones at the time of your death, and avoid probate at the time of
administration. <span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;"><span style="mso-tab-count: 1;"></span>The process of transferring assets from either
individual or joint name to the name of your Living Trust is called "trust
funding" or "asset integration."<span style="mso-spacerun: yes;">
</span>Assets owned by a Living Trust can be styled a number of ways to
adequately identify the trust. Most importantly, the asset title should
identify the trustee(s), the trust name, and the trust date. <span style="mso-spacerun: yes;"> </span>Handling of trust property is not complicated;
the Trustmaker continues to control all of the investment decisions, including
distributions of income and principal and there is complete transparency for
income tax purposes as the trust uses the Trustmakers social security
number.<span style="mso-spacerun: yes;"> </span>The primary difference is assets
are now titled in the name of the trust, or the trust is designated as
beneficiary of assets like insurance, annuities and retirement plans. This asset
integration series will discuss how a Living Trust should own the various types
of commonly owned assets. </span><br />
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;"> </span>
<br />
<h2 align="left" style="text-align: left;">
<i style="mso-bidi-font-style: normal;"><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 14.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Cash Accounts</span></i></h2>
<div class="MsoNormal" style="text-align: justify;">
<b><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> </span></b><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;">“Cash accounts” include those accounts held at banks and credit unions,
like checking, saving and money markets. They may also include accounts held in
conjunction with an investment account at a brokerage firm. The funding of
these accounts is generally done in person with the cooperation of your
financial institution.<span style="mso-spacerun: yes;"> </span>Typically,
account documents are executed or amended to adjust the institutions internal
records.<span style="mso-spacerun: yes;"> </span>Following is a discussion
highlighting some of the concerns regarding the re-titling or transfer of cash
accounts to a trust, such as opening a new account, loss of privileges,
penalties or loss of accrued interest, printing new checks, direct deposits,
tax identification numbers and FDIC insurance.</span></div>
<br />
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Many
clients ask if a new account will need to be opened in order to reflect the
transfer of ownership from joint or individual name to the name of the trust. This
notion is usually met with resistance since many bank accounts have automated
features such as direct deposit and automatic bill pay.<span style="mso-spacerun: yes;"> </span>Most banks or credit unions will simply
change the name on the account to reflect the new ownership in the trust.
However, cash accounts linked with investment accounts may require that the
original account be closed and a new trust account be opened.</span><br />
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<b><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"></span></b><br />
<b><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"><span style="mso-tab-count: 1;"></span></span></b><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;">There should be no loss of privilege to the cash account by funding it to
the trust. Privileges such as</span><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> senior citizen discounts, ATM privileges, free
checking privileges and the like for accounts held in trust ownership may
remain in place.<span style="mso-spacerun: yes;"> </span>However, prior to
funding any cash accounts, it is important to verify with the institution of
your choice that there will not be any loss of account holder privileges as a
result of the transfer.</span>
<br />
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Some
banking institutions may impose a penalty for transferring a certificate of
deposit (CD) prior to its maturity date.<span style="mso-spacerun: yes;">
</span>Generally, the branch manager has authority to waive the penalty.<span style="mso-spacerun: yes;"> </span>Prior to funding any CDs we suggest you verify
that there will not be any penalties or loss of interest imposed as a result of
the transfer. </span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Most
financial institutions will provide their customers with a substantial degree
of latitude as to what information is printed on the face of their checks.<span style="mso-spacerun: yes;"> </span>There is no legal requirement that the name
of the trust be printed on the checks.<span style="mso-spacerun: yes;">
</span>Many Trustmakers prefer not to disclose the nature of their estate
planning on the face of their checks and continue to use their old checks until
time to re-order.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;">Since funding a cash account is an internal procedure within most <span style="mso-spacerun: yes;"> </span>financial institutions, changing the name of
the account and not the account number, this transfer or re-titling should not affect
</span><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">automatic
electronic deposits or withdrawals associated with the account.<span style="mso-spacerun: yes;"> </span>These might include direct deposit of Social
Security, pension and payroll checks, mortgage and home equity line of credit
payments and debit cards.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">Occasionally,
institutions will ask for verification of the tax payer identification number
prior to effectuating a change of ownership. Under the Treasury Regulations, [Treas.
Reg. 1.671-4] the Trustmaker is required to use their social security number as
their tax payer identification number so long as the trust is revocable, the Trustmaker
is one of the trustees, and the Trustmaker is not disabled.<span style="mso-spacerun: yes;"> </span>If all of these conditions are met, the Trustmaker
can satisfy the transfer agent by completing a W-9 form and continuing to use
their Social Security number.<span style="mso-spacerun: yes;"> </span></span></div>
<br />
<span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-bidi-font-weight: bold; mso-hansi-theme-font: minor-latin;">Transferring cash accounts to a trust </span><span style="color: black; font-family: "Calibri","sans-serif"; font-size: 11.0pt; mso-ascii-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;">should not result in
the loss any of the benefits associated with the FDIC insurance coverage.<span style="mso-spacerun: yes;"> </span>In fact, in some situations, changing the
ownership of your bank account to the name of your trust may actually increase
your amount of FDIC insurance coverage.</span>
<br />
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
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The Law Offices of Hoyt & Bryan assists families in the
protection of their loved ones by focusing their practice in the areas of
Estate Planning, Probate and Trust Administration, Elder Law including Medicaid
and VA Planning and Special Needs Planning, Pet Planning, Business Succession
Planning and Real Estate. The founders, Peggy Hoyt and Randy Bryan, are
both dual board certified by the Florida Bar in Wills, Trusts and Estates as well
as Elder Law. Hoyt & Bryan is the only law firm in Florida with the
distinction of two attorneys with these certifications. We offer many
complimentary educational workshops each week in our Learning Center at The Law
Offices of Hoyt & Bryan and monthly workshops in the Auditorium of One
Senior Place in Altamonte Springs. For more information please contact our
office at 407-977-8080 or visit our website <a href="http://hoytbryan.com/">HoytBryan.com</a>. </div>
</div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-59567327698781730022015-06-10T07:21:00.002-07:002015-06-10T07:21:29.925-07:00A Tale of Forty Heirs<!--[if gte mso 9]><xml>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Do you have an estate
plan?<span style="mso-spacerun: yes;"> </span>We’ve said it before and we’ll say
it again: If you don’t have an estate plan, the State of Florida has one for
you and it may not be the one you want.<span style="mso-spacerun: yes;">
</span>The majority of Americans likely do not have a relevant and proper
estate plan.<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Not having a proper
estate plan could require an unintended probate for those you leave behind. <span style="mso-spacerun: yes;"></span>Probate is not necessarily a bad thing and is
very appropriate in many circumstances.<span style="mso-spacerun: yes;">
</span>But let’s consider a case where a lack of planning resulted in
unintended consequences for one family.</span></div>
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<br /></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Jerry lived with his
uncle, Arnold, in Arnold’s house. Jerry assisted in the home maintenance,
cooking and general help. Arnold had no spouse and no children. It is probably
safe to assume that Arnold wanted Jerry to inherit his home when he died.
Arnold died without a will so his estate passed according to the intestacy laws
of the State of Florida. Having left no spouse or children, it was necessary to
go to the “family tree” to determine Arnold’s beneficiaries. </span></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Jerry agreed to serve
as the personal representative of his uncle’s estate. An heir search company
was hired to locate the beneficiaries of the estate, Arnold’s intestate heirs.
The result: over forty (40) beneficiaries were determined to exist in at least
four (4) different countries. It took several years to administer the estate. Arnold’s
house is now owned by over forty individuals. Jerry is not even one of them.
Where does Jerry live now? Who pays the property tax? Who does the yardwork?
Who is in charge of the house? Probably not the outcome Arnold really wanted. Prior
planning could have avoided this result.</span><div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="mso-spacerun: yes;"></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Don’t let this happen to you.<span style="mso-spacerun: yes;"> </span>With proper estate planning and counselling,
you can minimize unintended consequences, leave your legacy how you want, to
whom you want, and the way you want. </span></div>
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<br /></div>
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<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">The Law Offices of Hoyt & Bryan assists families
in the protection of their loved ones by focusing their practice in the areas
of Estate Planning, Probate and Trust Administration, Elder Law including
Medicaid and VA Planning and Special Needs Planning, Pet Planning, Business
Succession Planning and Real Estate. The founders, Peggy Hoyt and Randy
Bryan, are both dual board certified by the Florida Bar in Wills, Trusts and
Estates as well as Elder Law. Hoyt & Bryan is the only law firm in
Florida with the distinction of two attorneys with these certifications. We
offer many complimentary educational workshops each week in our Learning Center
at The Law Offices of Hoyt & Bryan and monthly workshops in the Auditorium
of One Senior Place in Altamonte Springs. For more information please contact
our office at 407-977-8080 or visit our website HoytBryan.com. </span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-49967553897002413892015-05-26T13:55:00.002-07:002015-05-26T13:55:08.691-07:00Cryopreservation – Not just for the rich anymore<!--[if gte mso 9]><xml>
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Have you ever wished you could see into the future? Not just
5 or 10 years ahead, but 100 or 200 years ahead? It may now be possible. The
field of cryogenics – the study of what happens to things at really low
temperatures – has spawned the process of cryonics.<span style="mso-spacerun: yes;"> </span>Cryonics is the process used to store human
bodies at really low temperatures in the hope of reviving them at a date in the
future.</div>
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<br /></div>
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There are a few myths that need to be dispelled regarding
this process. First, the procedure can only be performed on a person once they
are declared legally dead. You’re probably thinking “If a person is dead, how
can they be revived?” First, you have to define death. Legal death occurs when
the heart has stopped beating, but, cryonics scientists contend that some
cellular brain function still remains. Total death, they say, is the point at
which all brain function ceases. Once a person has been declared legally dead,
the cryonics team moves in to maintain circulation, minimize cell function, and
prevent blood from clotting in order to facilitate transport to a cryonics
facility.</div>
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<br /></div>
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Myth number two.<span style="mso-spacerun: yes;"> </span>Your
body will be frozen. The cryonics procedure, called vitrification, does not
actually “freeze” a person. The water in our cells would expand upon freezing
and would destroy our cells. So, the first step is to replace water with a type
of “human antifreeze” solution called a cryoprotectant. The body is then cooled
to a temperature of -130 C, placed in a container and immersed in a liquid
nitrogen bath to maintain a temperature of -196 C.</div>
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Myth number three.<span style="mso-spacerun: yes;">
</span>Only the very rich can afford to be cryopreserved. <span style="mso-spacerun: yes;"> </span>Costs for this procedure range from $28,000 up
to $150,000. Many cryonicists fund this fee by purchasing an insurance policy
that is payable upon death to the cryonics facility of their choice. </div>
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The main drawback to cryonic preservation, of course, is
that you have to be willing to bet on medical science advancing to the point
where a patient can be revived. This isn’t as far off as we may believe. Some
cryobiologists are predicting that by using nanotechnology (the use of
microscopic machines to manipulate single atoms), it will be possible to revive
a preserved person as early as 2040! </div>
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Of course, if you plan on being around that far in the
future, you also need to make sure you have assets available for when you are
revived.<span style="mso-spacerun: yes;"> </span>This is where the Personal
Revival Trust and its associated planning becomes relevant.<span style="mso-spacerun: yes;"> </span>A Personal Revival Trust is an irrevocable
trust with an income beneficiary, generally a cryonics organization, during the
period while a person is cryopreserved and then available to the trustmaker
when the revival process is complete.<span style="mso-spacerun: yes;"> </span></div>
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For information regarding estate planning and cryonics, or
to schedule an appointment, call our office at (407) 977-8080.</div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-58055419673406645552015-04-30T08:01:00.001-07:002015-04-30T08:01:26.620-07:00The Reading of the Will – Fact or Fiction?<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Inevitably, after a
client has passed away, a family member will call and ask, “Will there be a
reading of the Last Will?”<span style="mso-spacerun: yes;"> </span>The answer
is:<span style="mso-spacerun: yes;"> </span>only if the family wants it.<span style="mso-spacerun: yes;"> </span>The “reading of the will” is generally something
you only see in the movies.<span style="mso-spacerun: yes;"> </span>It adds to
the movie drama (cue the music), when the son finds out in front of the family
he has been disinherited.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Logistically, for many
families it would be hard to get everyone in the same place at the same time.
Additionally, unless everyone signs a Waiver of Conflict, the attorney cannot
provide advice to every member of the family.<span style="mso-spacerun: yes;">
</span>The attorney can only provide legal advice to their client, generally
the Personal Representative/Executor and only after having been engaged for
this purpose.<span style="mso-spacerun: yes;"> </span>If there was a “reading of
the will,” chances are high everyone will be asking questions requiring legal
advice. </span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">So how do the
interested parties know what the Last Will says?<span style="mso-spacerun: yes;"> </span>Florida law provides the custodian of a Last
Will must deposit the original will with the clerk of court in the county
having venue of the estate within ten (10) days of knowledge of the death.<span style="mso-spacerun: yes;"> </span>The court will keep the original Will and it
becomes part of the public record.<span style="mso-spacerun: yes;">
</span>Interested parties are able to obtain a copy from the court upon
request. Beneficiaries may also make a request to the Personal Representative
of the estate for a copy of the will and they would be entitled to receive it.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Whether the “reading of
the will” is fact or fiction really depends on your family.<span style="mso-spacerun: yes;"> </span>For the majority of clients, it’s pure
fiction.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">To assist in preventing
family drama, an updated estate plan done with a knowledgeable attorney and
team of trusted advisors is key. For more information please attend one of our
complimentary educational workshops.<span style="mso-spacerun: yes;">
</span>Bring a friend and a get a free autographed copy of one of Peggy Hoyt's
books.<span style="mso-spacerun: yes;"> </span>Visit our website at </span><a href="http://www.hoytbryan.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Hoytbryan.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">
or call us for more information at 977-8080.<span style="mso-spacerun: yes;">
</span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-973729590312660352015-04-21T12:53:00.000-07:002015-04-21T12:53:14.301-07:00The Green Way to Eternal Rest<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">Funeral
homes are getting in on the “green” movement. They now offer different types of
“green” burials. Chemicals are not used in these types of burials and you can
opt for a biodegradable casket, or a “natural” burial where no embalming fluid
is used and the body is wrapped in a biodegradable material, buried in the
ground and allowed to decompose naturally. Natural burials take place at
specially preserved “conservation cemeteries” monitored by the Green Burial
Council or GBC. The GBC has strict rules that restrict how the grave site is
dug, the types of markers that may be used, how soil is removed and replaced, and
restricting the use of vaults or cement grave liners. Only biodegradable
material is allowed to be buried with the body.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">If you want
to be cremated, don’t worry, there is an environmentally friendly method called
bio-cremation or green cremation. The official name of the procedure is
alkaline hydrolysis. The process entails
wrapping the dearly departed in a biodegradable covering, such as a silk wrap,
and then placing them in a chamber filled with mostly water and alkali. The
water is then heated to 350 degrees and the remains are liquefied. Soft bone fragments remain which are then
ground and placed in an urn for delivery to the family.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">This method
of cremation is more energy efficient than the traditional method; dissolving
bodily remains using only 5% to 10% of the energy required to create the 1700
degree temperatures necessary for traditional cremation. Traditional cremation
techniques also release harmful gases into the atmosphere due to the burning of
mercury fillings and metallic joint replacements that are not created in the
alkaline hydrolysis procedure. The green cremation method also allows recycling
of these metallic joints as they do not dissolve in the alkaline solution.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">The cost of
green cremation is comparable to traditional cremations and takes about the
same amount of time. Currently, six states, including Florida, have passed laws
allowing alkaline hydrolysis as a method of cremation and several more have
legislation pending.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">When
discussing final arrangements with your loved ones, you now have several
options if you want to go out “green”!<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">For more
information, check out <a href="http://alkalinehydrolysis.com/">http://alkalinehydrolysis.com/</a>.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">The Law
Offices of Hoyt & Bryan, offers a quarterly workshop entitled, "What
to Do When Someone Dies." At this
workshop we partner with local funeral professionals to answer all your
important questions. Bring a friend and
receive a complimentary copy of Peggy Hoyt's book, <i>Straight Talk! What to Do When Someone Dies. </i>For more information, please visit our
website <a href="http://www.hoytbryan.com/">http://www.HoytBryan.com</a> or
call us at 407-977-8080. <o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-91581876511971359452015-04-14T08:30:00.000-07:002015-04-14T08:30:07.045-07:00GRANDMA AND GRANDPA ARE LEFT WITHOUT INSTRUCTIONS<div class="MsoNormal" style="text-align: justify;">
<span style="line-height: 115%;">Imagine, you are on your way to a </span><span style="line-height: 18.3999996185303px;">week long</span><span style="line-height: 115%;"> vacation in
paradise. Your children are safely with Grandma and Grandpa. Safe that is, until young
Henry falls off of his bike and breaks his leg. Of course, you have no
knowledge he has broken his leg because you are mid-flight to your vacation
destination. What are Grandma and Grandpa to do? They cannot leave Henry with a
broken leg until you can be reached. So, they decide to take Henry to the
emergency room. When they arrive at the ER, they are presented with several
forms to review, complete, and sign. Here lies the problem: Henry is a minor
and his grandparents do not have legal authority to make medical decisions for
him. Henry will have to wait until his parents, his legal guardians, are
available to be reached and consent to his medical care and treatment. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="line-height: 115%; mso-bidi-font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="line-height: 115%; mso-bidi-font-size: 12.0pt;">This situation could be easily avoided with a simple estate
planning directive called a Special Durable Power of Attorney. This directive
allows you to designate an Agent(s) for your minor child that has been left in
the Agent(s) care. The Special Durable Power of Attorney allows the Agent(s) to
perform and consent to decisions for purposes of providing care, shelter,
clothing, education, and medical assistance for your minor child while they are
in their custody. <o:p></o:p></span></div>
<div class="MsoBodyText">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="line-height: 115%; mso-bidi-font-size: 12.0pt;">If you have minor child and do not currently have a
Special Durable Power of Attorney in place, have no estate planning, or it has
been at least three years since you reviewed your existing estate plan, please
feel free to contact our office to schedule an appointment with one of our
experienced attorneys. Feel free to
attend our signature workshop, "The Truth About Estate
Planning." Bring a friend and
receive <i>Straight Talk - The Truth About
Estate Planning, </i>a complimentary book written by Peggy Hoyt, one of our
founding attorneys. <o:p></o:p></span></div>
<br />
<div class="MsoNormal" style="text-align: justify;">
<span style="line-height: 115%; mso-bidi-font-size: 12.0pt;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="line-height: 115%; mso-bidi-font-size: 12.0pt;">For more information or to schedule an appointment,
call our office at (407) 977-8080 or visit our website at </span><a href="file://hb-svr01/Data/Office%20Documents/MARKETING/Articles%20and%20Interviews/Blogs%20-%20Draft/www.HoytBryan.com"><span style="line-height: 115%; mso-bidi-font-size: 12.0pt;">www.HoytBryan.com</span></a><span style="line-height: 115%; mso-bidi-font-size: 12.0pt;">. <o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-76973920624469161682015-04-09T06:27:00.000-07:002015-04-09T06:27:12.482-07:00Choosing Agents for Health Care and Power of Attorney<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"> One of the
most important decisions you can make when planning for your future is who will
take charge of your health care and financial decisions while you are alive,
but unable to make these decisions for yourself. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"> The agent responsible for your finances is named
in your Durable Power of Attorney. This
document allows your agent to handle all financial decisions on your behalf. In
2011, there was a substantial change in the law governing Florida’s Powers of
Attorney. If your Power of Attorney was executed prior to 2011, it may be a
good idea to update your document, to ensure your agent is not restricted in
what they may be able to do while acting on your behalf. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"> Your Health
Care Surrogate, named in your Durable Power of Attorney for Health Care, is in
charge of all everyday medical decisions governing your care, in the event you
are unable to make those decisions or communicate them for yourself.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"> These are
two of the most important people in your estate plan, and these roles are too
often overlooked. Some people decide to name the same person for both roles,
giving them control over both finances and medical decisions. Other people have
named separate agents based on the agent’s strengths or personality. Ultimately
it is up to you to decide what works best within your family dynamic. The key
point being, whoever you name as your financial or medical agent, they must be
someone that you trust implicitly to carry out your wishes in the manner you
have requested. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">The best
agents are people you trust will act in <i>your</i>
best interest. Discussing your wishes with this person prior to signing a Power
of Attorney or Health Care Power of Attorney is highly recommended. This will
help clarify your wishes and intent for your agent. It should also minimize
confusion when and if you are unable to communicate clearly, and will provide
them with some guidance on what they may be expected to do on your behalf.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"> While most
people do not wish to think about, let alone discuss, these issues, it is
better to be prepared than have your loved ones guessing, or worse, fighting
about what you would want done.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;">If you do
not have estate planning in place, or it has been at least three years since
you reviewed your plan, feel free to contact our office to schedule an
appointment with one of our experienced attorneys.<o:p></o:p></span></div>
<br />
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-size: 12.0pt; line-height: 115%;"> For more
information or to schedule an appointment, call our office at (407) 977-8080 or visit our website at <a href="http://hoytbryan.com/">HoytBryan.com</a>.<o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-11331333155897866612015-03-31T06:00:00.000-07:002015-03-31T06:00:10.876-07:00The Importance of Trust Funding and Asset Integration <div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> Living Trusts are a popular estate planning tool
that can be used to provide for the care of the Trustmaker in the event of
disability and direct the disposition of assets when the Trustmaker dies.
Historically, Living Trusts were popular for the purpose of minimizing estate
taxes and avoiding probate. In addition,
a Living Trust was typically revocable and the Trustmaker could change or amend
the trust as circumstances changed in the life and legacy of the Trustmaker or
in the law. Ultimately, a Living Trust was designed to provide directions to
achieve the Trustmaker's estate planning goals. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> A
Living Trust only controls assets that are either owned by the trust or for
which the trust is named as the beneficiary.
As a result, it is imperative to "fund" the trust. What is trust funding? Trust funding or asset
integration is the process whereby assets are re-titled</span><span style="font-family: "Georgia","serif";"> </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">from the Trustmaker’s
individual name (or joint names, if married) to the name of the trust. Beneficiary
designations are also updated to reflect the trust as the primary
beneficiary. When properly funded, a
Living Trust can avoid the public, costly and time-consuming court processes at
death (probate) and at incapacity (conservatorship or guardianship). <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> Why
is funding so important? Until a trust
is funded it doesn’t own or control anything, and is therefore, ineffective. In
order to achieve the Trustmaker's goals, every asset should be evaluated and a
decision made regarding the proper title or beneficiary designation for that
asset. Assets that remain
'unfunded" or owned in the individual name of the Trustmaker will be
controlled by the Trustmaker's Last Will.
This “pour over will” serves to distribute these assets to the Living
Trust, thereby allowing the Trustmaker's directions to be followed. Jointly owned assets, with rights of
survivorship provisions, will become the sole property of the surviving
owner. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> Asset integration is arguably one of the most
important aspects of your estate plan. While
attorneys will assist or guide the
Trustmaker through the trust funding process, ultimately, the Trustmaker is
responsible for making sure all of the appropriate assets are transferred to the
trust.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> If you have questions regarding proper asset
ownership and asset integration with your estate plan, please do not hesitate
to call on us at 407-977-8080 or visit our website at </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://hoytbryan.com/">HoytBryan.com</a></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><a href="http://./">.</a> <o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-49412214060779474342015-03-24T10:55:00.001-07:002015-03-24T10:55:08.466-07:00Is it good to be “Traditional?”<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> Let’s say there is a “traditional” scenario where the
husband, Jim, works outside of the home and his wife, Annie, takes care of the
children and the home. In this
“traditional” scenario, Jim feels it is his responsibility to provide for his
family and, as part of that, to take care of all the finances. He manages the bank accounts, the rental
properties, the LLC that owns the rental properties, the investments, paying
the bills, etc. Jim is happy to relieve
Annie of this responsibility and she is happy not deal with it. But, what happens if Jim dies first?<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> Does Annie even know what financial institutions hold
their money? What if paper statements
don’t come in the mail? How is she going
to track down the accounts? Even if she
knows which institutions they transact business with, does she have the necessary
login information? It could take months for Annie to track down all of the
financial information she needs. And,
while Annie is performing this morbid scavenger hunt, she is grieving for her
husband and continuing to raise the children.
While Jim was trying to protect Annie, he has unintentionally caused her
a great deal of additional stress and anxiety at an already stressful time.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> Don’t let this happen to you. With proper estate planning and counselling,
you can minimize unintended consequences, leave your legacy how you want, to
whom you want, and the way you want. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
</div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"> If you have questions about your estate planning, don't
hesitate to call 407-977-8080 or visit our website </span><a href="http://www.hoytbryan.com/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">HoytBryan.com</span></a><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">. <o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-86963331936777229532015-03-16T12:56:00.000-07:002015-03-16T12:56:43.685-07:00Now You Get to Choose How You Die on Facebook<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"> The death of a user has always been tricky for Facebook and
other social networks. In theory, the Internet,
and Facebook in particular, are the perfect venue for friends and family of the
decedent to mourn the individual and share memories. Unfortunately, and awkwardly, Facebook pages
are not always in a condition where the decedent, or their loved ones, would
want them to be preserved for the rest of time.
<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"> Until today,
there was no way for a Facebook user to control, during lifetime, what happens
to their Facebook account when they pass away.
Further, there was no way for a user to tell Facebook what they would
want to happen to their account when they die.
A “close relative” could request the account be “memorialized,” which
locks and forever freezes the account.
Or, the decedent’s close relative could petition for the account to be
deactivated and taken down. Another
option was the users could simply give a loved one their password during their
lifetime, handing over full control of their account, even during
lifetime. But, that is a violation of
Facebook’s terms of service. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"> Today,
Facebook announced a new setting that will give every Facebook user the option
to have their account permanently deleted when they die. Or, in the alternative, users can now
designate a “legacy contact,” - a friend or family member to take control of
certain aspects of their account after death.
Upon the user’s death, the legacy contact will be authorized to change
the decedent’s profile picture and cover photo, write a special post that would
be pinned to the decedent’s timeline, and accept friend requests from real-life
friends and family of the decedent who were not connected during the
individual’s lifetime. Users will also
have the option to allow their legacy contact to download an archive of the
photos, posts and profile information of the decedent. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">The legacy contact will not, however,
be </span>able to post as the decedent or see the decedent’s messages<span style="font-size: 12.0pt; line-height: 115%;">.
Facebook considers this information private, even after a user has
passed away. Legacy contacts will also
not have the power to edit or delete posts that the decedent shared in the past
or posts others have shared on the decedent’s timeline. So, designating a legacy contact will not
save an individual’s Facebook memorial page from the embarrassing photos they
may have posted over the years. But, the
option to change the cover photo and profile picture and pin a new post to the
top of deceased person’s timeline will at least push unfortunate content further
down the page where survivors can avoid seeing it. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">The ability for Facebook users to
make their own choice as to whether they want their social media profiles to be
immortal is a necessary change.
Hopefully we will see more tech companies following Facebook’s
lead. If you want to designate your
legacy contact, here’s how you do it:<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;"><br /></span></div>
<div class="MsoListParagraphCxSpFirst" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;">1.<span style="font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; line-height: 115%;">Open
your Facebook settings. Choose <b>Security</b> and then <b>Legacy Contact</b> at the bottom of the page. <o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;">2.<span style="font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; line-height: 115%;">After
choosing your legacy contact, you have the option to send a message to that
person.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;">3.<span style="font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; line-height: 115%;">You
may also chose to give your legacy contact permission to download an archive of
the posts, photos and profile information you have shared on Facebook. <o:p></o:p></span></div>
<br />
<div class="MsoListParagraphCxSpLast" style="margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-family: Calibri;">4.<span style="font-size: 7pt; font-stretch: normal; line-height: normal;">
</span></span><!--[endif]--><span style="font-size: 12.0pt; line-height: 115%;">If
you do not want a Facebook account after you have passed away, you can select
the option to have your account permanently deleted at your death. <o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-72515897537347339622015-02-25T07:00:00.000-08:002015-02-25T07:00:08.641-08:00HOW CAN I SPEND THE PERSONAL NEEDS ALLOWANCE?<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 107%;">When
receiving Medicaid benefits under the Institutional Care Program (ICP), a
Medicaid recipient is allowed to retain a portion of their income as their
“personal needs allowance." In Florida, the current personal needs
allowance is $105/month, whether you are a single or married individual. This
amount may seem very small, but when all of your expenses are otherwise met
through your own income, Medicare, Medicaid, or other supplemental insurance,
the $105/month personal needs allowance can be sufficient. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 107%;">What
can the personal needs allowance be spent on? The allowance is generally spent
on items or services that will solely benefit the Medicaid recipient. These may
include: clothing, toiletries and other personal hygiene products, vitamins or
supplements, beauty or barber shop services, co-pays for prescriptions not
otherwise covered by insurance, eyeglasses, hearing aids and batteries, and the
list continues. Again, it can be spent on anything that will solely benefit the
Medicaid recipient- use your best judgment. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 107%;"><br /></span></div>
<br />
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 107%;">Does
the personal needs allowance need to be spent prior to the end of the month?
The answer is no. Any allowance remaining can carry forward into the next
month, so long as the Medicaid recipient assets do not exceed their allowed
asset limit. If you have further questions or would like to schedule a
consultation, please contact The Law Offices of Hoyt & Bryan at
407-977-8080 or </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 107%;"><a href="mailto:info@HoytBryan.com">info@HoytBryan.com</a></span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 107%;">.<o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-85998615754193966442015-02-21T05:23:00.001-08:002015-02-21T05:23:48.534-08:00Class action lawsuit claims that Purina pet food is killing dogs - Seattle Pets | Examiner.comThis could be very important information as Beneful is available on grocery store shelves everywhere! <br /><br />
<br /><br />
<a href="http://www.examiner.com/article/class-action-lawsuit-claims-that-purina-pet-food-is-killing-dogs">Class action lawsuit claims that Purina pet food is killing dogs - Seattle Pets | Examiner.com</a>Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-3853143610390224952015-02-20T06:03:00.001-08:002015-02-20T06:03:41.704-08:00A GOOD DEED GONE WRONG<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Bob and Suzy get divorced. Suzy has an adult child, Annie, from a prior
relationship. As part of the marital settlement agreement, Bob is supposed to
sign a deed conveying his interest in their homestead to Suzy. Suzy is supposed
to get a new home loan in her individual name.
<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Time passes. Bob
never signed a deed and Suzy never got a new loan. Suzy dies.
As a result of the divorce, Bob owns a one-half (1/2) interest in the house
and he is also responsible for the repayment of the loan. This was not the
intent of either Suzy or Bob. With
proper follow through and estate planning after their divorce, this situation could
have been avoided.<o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">What if Suzy was behind on her loan payments? This deficiency could be reported on Bob’s
credit as his name is still on the loan. Who now owns Suzy’s one-half (1/2) interest
in the home? In this case, Suzy's heirs because she died without a will. As a result, a probate will also be required
in order to properly transfer Suzy's interest to Annie. What if Annie does not want to own the house
with Bob? Like it or not, she does. These are only a few of the questions and
issues that might be raised with this family scenario. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Proper estate planning could have avoided this
situation. If you are divorced, you should review your family situation, your
assets and your estate plan regularly with a qualified attorney, to make sure
your wishes will be carried out properly. We are happy to be of assistance, for an appointment please call the Law Offices of Hoyt & Bryan at (407) 977-8080.</span></div>
<div class="MsoNormal">
<br /></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_0U_XI8PRx3y8Hgiqm72iVSyhbZHAqvGVGnTz8yt7pc4lnV0hSWB1Etg25lO2k3bEwvsQymgsUt7v7Am4lODIolkLnV9kKjXGFUTLdazUXaKjf_5UYRmkGXuZMNL31BbHut1KXabWI-c/s1600/group.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_0U_XI8PRx3y8Hgiqm72iVSyhbZHAqvGVGnTz8yt7pc4lnV0hSWB1Etg25lO2k3bEwvsQymgsUt7v7Am4lODIolkLnV9kKjXGFUTLdazUXaKjf_5UYRmkGXuZMNL31BbHut1KXabWI-c/s1600/group.jpg" height="256" width="320" /></a></div>
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Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-27684761383126671052015-02-12T10:52:00.000-08:002015-02-12T10:52:31.390-08:00Petnups- Who Gets Fluffy?<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">"</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 115%;">You may now kiss the bride!" This is how
all marriages begin.</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 115%;">Unfortunately, not
all married couples can withstand the test of time.</span><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 115%;"> </span><span style="font-family: 'Times New Roman', serif; font-size: 12pt; line-height: 115%;">The question then becomes, "Who gets to
keep the pet(s)?"</span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">To avoid a potential conflict over the care and
custody of your pets in the event of a divorce (or termination of the
relationship in the event of an unmarried couple), consider what has been
coined, a Petnuptial Agreement. A
Petnuptial Agreement is a premarital agreement, drawn up by the couples' attorneys
that specifically addresses issues related to the care and custody of the
couple's pets in the event of a divorce or dissolution of the relationship. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Pets are an integral part of our family. We care for them like our children. For some
couples, the pets are the children. Pet
custody disputes can become very ugly and expensive. A Petnuptial Agreement
will help prevent unnecessary stress and anxiety for the pet, as well as the human
parties involved. The Petnuptial Agreement allows you to decide in advance who
will be the primary caregiver for your pet, how custody will be shared, the
division of responsibility related to ongoing daily care, veterinary bills and
unexpected emergency situations. <o:p></o:p></span></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"><br /></span></div>
<br />
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">Relationships don't always last forever. However, your commitment to your pet lasts a
lifetime; the lifetime of your pet. A properly planned and executed Petnuptial
Agreement can provide both parties with the certainty that their loved pet(s)
will be provided for in the manner they intend without an expensive custody
battle. If you
have any questions related to estate planning for your pet, including the
preparation of a Petnuptial Agreement or resolution of a pet related dispute, please
call the <a href="http://hoytbryan.com/" target="_blank">Law Offices of Hoyt & Bryan</a> <i>(407)
977-8080</i> for an appointment today. <o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-48047682150849236262015-01-08T12:35:00.000-08:002015-01-08T12:35:01.235-08:00Understanding 501(c)(3) Nonprofits<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span lang="EN" style="font-size: 12.0pt; mso-ansi-language: EN; mso-bidi-font-weight: bold;">A nonprofit</span><span lang="EN" style="font-size: 12.0pt; mso-ansi-language: EN;"> is an organization whose
primary objective is to support some issue or matter of private interest or
public concern (such as the arts, charities, education, politics, religion, scientific
research, or some other endeavor) for non-commercial purposes. There are
different kinds of nonprofits, one known as a 501(c)(3). This particular nonprofit gets its name from
the specific section of the Internal Revenue Code (Section 501(c)(3)), which exempts
the organization from paying federal income tax.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt;">There are two primary benefits of an organization
obtaining 501(c)(3) status. First, the 501(c)(3) company is exempt from all
federal income and </span><span lang="EN" style="font-size: 12.0pt; mso-ansi-language: EN;">(sometimes) property tax</span><span style="font-size: 12.0pt;"> and
frequently receives beneficial treatment from states. Second, 501(c)(3)
companies are qualified to receive tax-deductible donations. This means,
subject to certain limitations, contributions to a 501(c)(3) company can be
deducted from the donor’s taxable income - more incentive for individuals to give to the
organization.<o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt;">It is important to know that tax exempt organizations,
other than churches, must file a yearly return or statement with the IRS. The required return is most typically IRS
Form 990. If the 501(c)(3) does not file
the Form 990 as required for three consecutive years, the law provides the
organization automatically loses its tax-exempt status. Loss of this important exempt status means an
organization must file income tax returns and pay tax, and its contributors
will not be able to deduct their donations. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt;">IRS Form 990 may also be used by donors as the
starting point for any financial analysis of a charity. The Form 990 details
sources of funds received, use of funds, and changes in assets and liabilities. Anyone may obtain a copy of an organization’s
exemption application or annual information return (Form 990). A request may be made directly to the
organization or by submitting a request at the IRS.gov website or directly to
the Internal Revenue Service on Form 101 4506-A. Further, many <st1:country-region w:st="on">Central
Florida</st1:country-region> charities are profiled by the Central Florida
Community Foundation at their website mycfcf.org. <o:p></o:p></span></div>
<div align="center" class="MsoNormal" style="margin-left: .5in; text-align: center; text-indent: .5in;">
<br /></div>
<br />
<div class="MsoNormal" style="text-align: justify;">
<span style="font-size: 12.0pt;"> Individuals that want to leave a
legacy often consider lifetime or testamentary gifts to 501(c)(3) charitable
organizations. If you have questions
about creating a lasting legacy or updating your estate plan to include your
favorite charity, don’t hesitate to contact The Law Offices of Hoyt & Bryan
at 407-977-8080 or visit our website at <a href="http://hoytbryan.com/">HoytBryan.com</a>. <o:p></o:p></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-41866936621655294172014-11-26T14:06:00.001-08:002014-11-26T14:06:39.934-08:00Estate Planning Document You Need Now!<!--[if gte mso 9]><xml>
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<span style="font-size: 12.0pt; line-height: 115%;">Now that the
holiday season is in full swing, if you are preparing to travel, don’t forget
these important legal documents you need to include in your suitcase.<span style="mso-spacerun: yes;"> </span>We never think an accident or illness will
happen while away from home. Are you prepared? There are two legal documents
you will want to have a copy of in case of an emergency. </span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">First, your
Healthcare Power of Attorney (also known as a health care proxy or surrogate)
is a Durable Power of Attorney specifically designed to name someone you trust
to make healthcare decisions for you if you are unable to do so. When choosing
a health care agent, select someone who will keep your best interests and
wishes in mind.<span style="mso-spacerun: yes;"> </span>Not all powers of
attorney are created equal, so be sure you bring your Healthcare Power of
Attorney and not your Financial Durable Power of Attorney.<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Second, your
Living Will (also known as an advance medical directive) is a declaration
setting forth your wishes regarding how you want to be treated with respect to
life prolonging medical procedures. A Living Will applies in situations where
you are unable to make your own decision, you have either a terminal condition,
end stage condition or are in a persistent vegetative state and your doctors
have determined there is no reasonable medical probability of your
recovery.<span style="mso-spacerun: yes;"> </span>If these elements are present,
then your Living Will says you do not want to be kept alive by life prolonging
procedures (respiration, hydration or nutrition) but you will accept a procedure
or medication that will alleviate your pain or provide comfort care.<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Your
healthcare documents will not do you any good if no one knows about them; you
will need to talk with the person you designate in them to make sure they know
where you keep them. If you are travelling, put a copy in your suitcase or save
a copy to one of the many cloud storage programs available today.<span style="mso-spacerun: yes;"> </span></span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Remember,
your Healthcare Power of Attorney and Living Will go into effect if you meet
specific medical criteria and are unable to make decisions for yourself. If you
do not have these valuable planning tools, feel free to contact <a href="http://www.hoytbryan.com/" target="_blank">The Law Officesof Hoyt & Bryan</a> today to schedule an appointment with one of our
experienced attorneys.</span></div>
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<br /></div>
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<span style="font-size: 12.0pt; line-height: 115%;">For more
information or to schedule an appointment, call<a href="http://www.hoytbryan.com/" target="_blank"> The Law Offices of Hoyt &Bryan</a> at (407) 977-8080 or visit our website <a href="http://hoytbryan.com./">HoytBryan.com.</a> Happy Holidays!</span></div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJFw65zWhixQLRQHZjG1Rvn3ROrzk7NP4VCjgmRuUZ-orhwCh-Q2arx3RWROmN8ttCSJTZoxQCmLUk1SoTxs_-nj90lw3afIA-VNshd8avmiaK7iywbQhGUWdlD3LxFzchAcTZ-ORoWpA/s1600/team+cropped+photoshopped.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjJFw65zWhixQLRQHZjG1Rvn3ROrzk7NP4VCjgmRuUZ-orhwCh-Q2arx3RWROmN8ttCSJTZoxQCmLUk1SoTxs_-nj90lw3afIA-VNshd8avmiaK7iywbQhGUWdlD3LxFzchAcTZ-ORoWpA/s1600/team+cropped+photoshopped.jpg" height="198" width="320" /></a></div>
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Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-85414162354468252072014-11-05T05:12:00.001-08:002014-11-05T05:12:12.575-08:00How to bequeath Emblem3 to loved ones - MarketWatchMy friend Jack Tatar explains how important and difficult it may be to plan for your digital assets. This includes your blogs, Facebook, LinkedIn and other online profiles you may have. It is easy to overlook something we use every day and take for granted. Many of the social media sites you use may have their own rules for what happens to your online presence in the event of your death. You agreed to those rules when you created your profile - and I don't know anyone who has actually read what they've agreed to.<br /><br />
<br /><br />
Be sure and create a comprehensive password list and keep it updated. Make sure the people you asked to fill in the helper roles - agent under your power of attorney, personal representative or executor of your will, successor trustee to your trust - all know where to find this valuable information.<br /><br />
<br /><br />
For more information, read my latest book "What's the Deal With...Estate Planning" published by People Tested Publishing. <br /><br />
<br /><br />
<a href="http://www.marketwatch.com/story/how-to-bequeath-emblem3-to-loved-ones-2014-11-03">How to bequeath Emblem3 to loved ones - MarketWatch</a><br /><br />
<br /><br />
<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ac&ref=qf_sp_asin_til&ad_type=product_link&tracking_id=centforanimad-20&marketplace=amazon&region=US&placement=0991250168&asins=0991250168&linkId=IV2MNOWVXJFIATJJ&show_border=true&link_opens_in_new_window=true" style="height: 240px; width: 120px;"><br />
</iframe><br />
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-1772172582758055582014-10-27T14:54:00.000-07:002014-10-27T14:54:05.682-07:00Communicating with a Family Member Diagnosed with Alzheimer’s or Dementia<br />
<br />
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<i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">“They
may forget what you said, but they will never forget how you made them feel.” -
Carl W. Buechner</span></i></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<br /></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;"></span></i></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<i style="mso-bidi-font-style: normal;"><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;"><a href="https://www.blogger.com/null" name="_GoBack"></a></span></i></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">In our practice, we
frequently meet with individuals or family members of a person who has
Alzheimer’s or other forms of dementia. At times, it can be challenging for our
team, and more importantly the family, when it comes to communicating with their
loved one. <span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">Dementia is not a
specific disease.<span style="mso-spacerun: yes;"> </span>Instead, it is an
umbrella term to describe a wide range of symptoms, including memory loss and
other intellectual abilities serious enough to disturb a person’s daily life. Alzheimer’s
is the most common form of dementia and accounts for 60 to 80 percent of
dementia cases.<span style="mso-spacerun: yes;"> </span>Alzheimer’s is a
progressive disease limiting one’s ability to express thoughts, emotions, and
verbal communication.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">Dementia can be broken
down into three stages. The three stages are early, middle, and late. Each
stage has its own characteristics and recommendations for effective
communication.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">In the early stage, the
individual may be able to engage in conversations and social activities. In many
cases, drive or work. You may notice they repeat themselves and stumble to find
the right word. To communicate through this stage, it is suggested you:</span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Speak directly to the individual;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Take time to listen. Try not to become impatient
when they repeat themselves; </span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Give them time to respond. Do not
interrupt their train of thought;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Avoid criticizing or correcting; and</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Limit distractions. Surroundings should
allow the individual to focus on their thoughts.</span></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">The middle stage of dementia
is typically the longest stage. During this stage, the individual will
experience greater difficulty with verbal communication and will need more
direct guidance. They may <span style="color: black;">jumble their words and be
easy to frustrate or anger. To communicate throu</span>gh this stage, it is
suggested you: </span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Keep good eye contact to show you are engaged;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Speak slowly and clearly;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Ask simple yes or no questions, “Would
you like some coffee?” Not, “What would you like to drink?”;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Give visual cues to help guide their
thinking; and </span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Use written notes. This can assist when
spoken words are confusing. </span></div>
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<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">Lastly, the late stage.
This stage can last for weeks or several years. The individual may now rely solely
on nonverbal communication. In this stage it is typical the individual will
require 24 hour care. To communicate through this difficult stage, it is
suggested you: </span></div>
<div class="MsoListParagraphCxSpFirst" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Call the individual by name;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Always approach from the front so not to
startle them;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: 150%; margin-left: .75in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%; mso-fareast-font-family: "Times New Roman";"><span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";"> </span></span></span><span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 150%;">Engage in non-verbal communication - use
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<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">As illustrated above,
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<span style="font-family: "Times New Roman","serif"; font-size: 15.0pt; line-height: 107%;">If you have a loved one experiencing early signs of dementia or Alzheimer's, it is important to act early, while your loved one still has capacity. Call us today or attend one of our complimentary workshops for more information. </span></div>
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Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-82300750945500813962014-10-23T15:09:00.001-07:002014-10-23T15:09:02.588-07:005 Estate Planning Mistakes to Avoid | Straight Talk Blog - Join The ConversationCheck out this article by Kristin Arnold on behalf of Ally Bank. Peggy Hoyt was interviewed as one of the experts for the creation of this article. You definitely don't want to make any of these mistakes.<br /><br />
<br /><br />
If you have questions or comments, don't hesitate to contact The Law Offices of Hoyt & Bryan for more information. We look forward to talking to you! <br /><br />
<br /><br />
<a href="http://community.ally.com/straight-talk/5-estate-planning-mistakes-to-avoid/">5 Estate Planning Mistakes to Avoid | Straight Talk Blog - Join The Conversation</a>Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-38795506050121595912014-09-15T10:39:00.000-07:002014-09-15T10:39:40.602-07:00Disabled Adult Child Benefits under Social Security<!--[if gte mso 9]><xml>
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Security</span></b></div>
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<br /></div>
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<span style="color: black; font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">the child of a parent
who is currently receiving Social Security Disability Income (SSDI) or Social
Security Retirement Income (SSRI) or;</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 67.5pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in; vertical-align: top;">
<span style="color: black; font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">the child of a deceased
parent who was insured for Social Security benefits at the time of the parent's
death; and</span></div>
<div class="MsoListParagraphCxSpMiddle" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 67.5pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in; vertical-align: top;">
<span style="color: black; font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"><span style="mso-spacerun: yes;"> </span>the child was disabled before the age of 22
and remained continuously disabled until the parent became disabled, retired or
died; and</span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; margin-left: 67.5pt; margin-right: 0in; margin-top: 0in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -.25in; vertical-align: top;">
<span style="color: black; font-family: Symbol; font-size: 12.0pt; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;"><span style="mso-list: Ignore;">·<span style="font: 7.0pt "Times New Roman";">
</span></span></span><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">the child does not
marry, unless the spouse is also receiving social security benefits. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">If the DAC benefit is
based upon the parent's disability, the child's benefit will end if the parent
no longer qualifies for SSDI benefits because the parent's disability ended. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Benefit Amount</span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The DAC benefit for the
child of a disabled or retired worker is 50% of the parent's benefit amount.
The DAC benefit for the child of a deceased worker is 75% of the parent's
benefit amount. If both parents are insured and either disabled, retired or
deceased, the child's benefit amount will be calculated based upon the higher
account of the two parents. </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">In some cases the DAC
benefit may be reduced by the Family Maximum Amount (FMA). This is a cap on the
total benefits that the Social Security Administration will pay to the family,
including the insured worker, the spouse and other children if applicable. The
FMA cap is usually between 150% to 200% of the insured worker's benefit amount.
</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Typically the DAC
benefit is higher than the SSI benefit amount ($721 for 2014). When this
happens the SSI benefit ends and is replaced by the DAC benefit.<span style="mso-spacerun: yes;"> </span>This can create confusion with regard to the
continuation of Medicaid benefits, which will be discussed below.<span style="mso-spacerun: yes;"> </span>If the DAC benefit is less than the SSI
benefit amount, a child could receive both SSI and the DAC benefit to bring the
total monthly income up to the SSI benefit amount plus an additional $20 ($741
for 2014). </span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">The child will be
eligible for Medicare 24 months from when the DAC benefits began, so the
earliest a child could receive Medicare based upon the parent's account would
be age 20.</span></div>
<br /><div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Medicaid and DAC
Benefits</span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">As discussed above, in
most cases the DAC benefit will exceed the SSI benefit previously paid.<span style="mso-spacerun: yes;"> </span>When this happens, the child will receive a
notice from Social Security advising them that their SSI benefit will end and
they will instead receive their new monthly benefit under the SSDI program as a
Disabled Adult Child.<span style="mso-spacerun: yes;"> </span>Many families
believe-incorrectly-that switching from SSI to Social Security Disabled Adult
Child Benefits means losing Medicaid coverage. In fact, some people may
actually have been given this misinformation by SSA or Medicaid staff.<span style="mso-spacerun: yes;"> </span></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">However, under existing
federal law, a disabled adult child in this situation can continue to be
eligible for Medicaid (or can become eligible again) as long as the adult child:
(1) has income below the SSI limit, after subtracting out the DAC benefit that
made them ineligible; (2) continues to be “disabled” as defined by the Social
Security Administration; and (3) the child’s assets remain below the Medicaid
asset limit (generally $2,000.00).<span style="mso-spacerun: yes;"> </span>It is
important that they be aware that their Medicaid eligibility is protected by
federal law and they must be vigilant to be sure that Medicaid benefits are not
automatically terminated and, if Medicaid benefits are incorrectly terminated,
they must immediately re-apply for continued benefits on the Department of
Children and Families ACCESS website.</span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; mso-layout-grid-align: none; text-autospace: none;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">Where to Apply</span></b><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";"></span></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<br /></div>
<div class="MsoNormal" style="line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;">
<span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">You apply for DAC
benefits through the Social Security Administration. You can call them at
1-800-772-1213. You can also get more information on the DAC program from the
Social Security Administration's web site at </span><a href="http://www.ssa.gov/"><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">www.ssa.gov</span></a><span style="color: black; font-family: "Times New Roman","serif"; font-size: 12.0pt; mso-fareast-font-family: "Times New Roman";">. </span></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;">The federal statute:</span></div>
<div class="MsoNormal">
<span style="color: #b31b3b; font-family: "Georgia","serif"; font-size: 12.0pt; line-height: 115%; mso-font-kerning: 18.0pt; text-transform: uppercase;">42
U.S. Code § 1383c - Eligibility for medical assistance of aged, blind, or
disabled individuals under State’s medical assistance plan</span><span class="enumbell1"><span style="font-size: 12.0pt; line-height: 115%;"></span></span></div>
<div class="MsoNormal">
<span class="enumbell1"><span style="font-size: 10.5pt; line-height: 115%;">(c)</span></span><span style="font-size: 10.5pt; line-height: 115%;"> <b>Loss of benefits upon entitlement to child’s insurance benefits based
on disability </b></span></div>
<div class="MsoNormal">
<span style="font-size: 10.5pt; line-height: 115%;">If any
individual who has attained the age of 18 and is receiving benefits under this
subchapter [SSI] on the basis of blindness or a disability which began before
he or she attained the age of 22— </span></div>
<div class="MsoNormal">
<a href="https://www.blogger.com/null" name="c_1"></a><span class="enumbell1"><span style="font-size: 10.5pt; line-height: 115%;">(1)</span></span><span style="font-size: 10.5pt; line-height: 115%;"> <span class="ptext-18">becomes
entitled, on or after the effective date of this subsection, to child’s
insurance benefits which are payable under section </span></span><a href="http://www.law.cornell.edu/uscode/text/42/402"><span style="font-size: 10.5pt; line-height: 115%;">402</span></a><span class="ptext-18"><span style="font-size: 10.5pt; line-height: 115%;"> </span></span><a href="http://www.law.cornell.edu/uscode/text/42/usc_sec_42_00000402----000-#d" title="(d)"><span style="font-size: 10.5pt; line-height: 115%;">(d)</span></a><span class="ptext-18"><span style="font-size: 10.5pt; line-height: 115%;"> of this title
on the basis of such disability or to an increase in the amount of the child’s
insurance benefits which are so payable, and </span></span><span style="font-size: 10.5pt; line-height: 115%;"></span></div>
<div class="MsoNormal">
<a href="https://www.blogger.com/null" name="c_2"></a><span class="enumbell1"><span style="font-size: 10.5pt; line-height: 115%;">(2)</span></span><span style="font-size: 10.5pt; line-height: 115%;"> <span class="ptext-18">ceases to be
eligible for benefits under this subchapter because of such child’s insurance
benefits or because of the increase in such child’s insurance benefits, </span></span></div>
<div class="MsoNormal">
<span style="font-size: 10.5pt; line-height: 115%;">such
individual shall be treated for purposes of subchapter XIX of this chapter
[Medicaid] as receiving benefits under this subchapter so long as he or she
would be eligible for benefits under this subchapter in the absence of such
child’s insurance benefits or such increase. </span><span style="font-family: "Times New Roman","serif"; font-size: 12.0pt; line-height: 115%;"></span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-8231286738053307232014-07-03T12:00:00.002-07:002014-07-03T12:00:53.702-07:00Increase in Personal Needs Allowance<div class="MsoNormal" style="text-align: left;">
<span style="font-family: 'Times New Roman', serif; font-size: large; line-height: 115%; text-align: justify;"> Pursuant to Medicaid eligibility requirements, an individual receiving
Institutional Care Program (“ICP”) Medicaid may only retain a limited portion
of their monthly income to pay for those personal expenses not covered by
Medicaid. The income kept by the Medicaid recipient is known as the
personal needs allowance. The balance of the Medicaid recipient’s income
is used to pay the nursing home where the individual resides. Prior to
July 1, 2014, the personal needs allowance was $35.00. This is the money
the Medicaid recipient could use to purchase those things that Medicaid does
not pay for such as haircuts, meals dining out, gifts for family members,
etc. In this day and age, $35.00 per month does not go very far.
This problem was recently recognized by and addressed by the Florida
Legislature. </span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: large; line-height: 115%;"> General Appropriations Act (House Bill 5001), signed by the Governor on June 2,
2014 and effective July 1, 2014, increased the personal needs allowance from
$35.00 per month to $105.00 per month. This is the first increase to the
personal needs allowance in the history of ICP Florida Medicaid that we are
aware of. The increase is especially relevant for those Medicaid
recipients who fund a Qualified Income Trust (“QIT”) each month in order to
maintain their Medicaid eligibility. Those individuals should be aware
that the increase may change the amount of income to be funded to the QIT. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: "Times New Roman","serif"; font-size: large; line-height: 115%;"> If you have any questions related to the increase in the personal needs
allowance or regarding ICP Medicaid in general, please contact the Law Offices
of Hoyt & Bryan at (407) 977-8080.</span></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-19820362487065002372014-07-02T06:40:00.001-07:002014-07-02T06:40:11.470-07:00Update On VA Benefits For Same-Sex Married Couples - Lawyers for Wartime VeteransHere's a recent update on VA benefits for same sex married couples. This area of the law is changing and as each state reviews their position on same sex marriage, will continue to change. <br /><br />
<br /><br />
If you have questions about Florida's law related to same sex couples or unmarried couples, please don't hesitate to give us a call! <br /><br />
<br /><br />
<a href="http://blog.lawyersforwartimeveterans.com/2014/06/update-on-va-benefits-for-same-sex-married-couples.html?inf_contact_key=1ce00304d77cdef3ecda244c028b1b33317f1bb547018d1a2e5f45a268eba624">Update On VA Benefits For Same-Sex Married Couples - Lawyers for Wartime Veterans</a><br /><br />
<br /><br />
Watch for upcoming workshops - "Loving Without A License - An Estate Planning Survival Guide for Same Sex Couples and Unmarried Partners" <br /><br />
<br /><br />
<br /><br />
<iframe frameborder="0" marginheight="0" marginwidth="0" scrolling="no" src="//ws-na.amazon-adsystem.com/widgets/q?ServiceVersion=20070822&OneJS=1&Operation=GetAdHtml&MarketPlace=US&source=ac&ref=qf_sp_asin_til&ad_type=product_link&tracking_id=centforanimad-20&marketplace=amazon&region=US&placement=0971917736&asins=0971917736&linkId=5NEJJE2V2Z6GRXVD&show_border=true&link_opens_in_new_window=true" style="height: 240px; width: 120px;"><br />
</iframe>Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-65179240188860581512014-07-01T13:33:00.004-07:002014-07-01T13:33:58.498-07:00Breaking News! Personal Needs Allowance for Nursing Home Residents Increased! Effective July 1, 2014, a bill was passed by the Florida Legislature, increasing the Personal Needs Allowance (PNA) for nursing home residents. The PNA, per individual, will increase from $35 to $105 per month beginning with the July 2014 eligibility budget. The PNA, per couple, will increase from $70 to $210 per month. The PNA, for Supplement Security Income (SSI) only nursing home residents, will increase from $5 to $75 per month.<br />
<br />
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
This is the first time in Medicaid history there has been an increase in the Personal Needs Allowance. What this means is nursing home residents can keep more of their income each month and their patient responsibility - what they pay to the nursing home - will decrease.</div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
This is very good news. The PNA is intended to be used for those things that Medicaid does not pay for - things like haircuts, toiletries, clothing, bank fees, etc. If you are unsure an expense falls under these guidelines, be sure and ask. As a result<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"> of the PNA increase, it is important funds are monitored to ensure assets remain below the $2,000 asset limitation at least one day every month in order to maintain continued Medicaid eligibility. </span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">If you have questions or concerns about Medicaid eligibility, please feel free to contact us!</span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"><br /></span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">The Law Offices of Hoyt & Bryan</span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">254 Plaza Drive</span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">Oviedo, Florida 32765</span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;">407-977-8080</span></div>
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<span style="font-size: 12.0pt; mso-bidi-font-size: 10.0pt;"><a href="http://www.hoytbryan.com./" target="_blank">HoytBryan.com </a></span></div>
<br />
<div class="MsoNormal" style="text-align: justify; text-indent: .5in;">
<br /></div>
Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0tag:blogger.com,1999:blog-4042834456824629702.post-67227347658950459302014-07-01T12:28:00.001-07:002014-07-01T12:28:11.211-07:00Keep Pets Calm During Fireworks : Pet Alliance of Greater OrlandoThis is the time of year when it is really important to protect your pets - thunder storms, fireworks, etc. Check out this article by the <a href="http://petallianceorlando.org/" target="_blank">Pet Alliance of Greater Orlando</a> for some holiday safety tips for your pets. <br /><br />
<br /><br />
<a href="http://www.petallianceorlando.org/keeping-pets-calm-fireworks/">Keep Pets Calm During Fireworks : Pet Alliance of Greater Orlando</a>Peggy Hoythttp://www.blogger.com/profile/08014507761848596130noreply@blogger.com0