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At the Conference Table 011: What Little House on the Prairie can teach us about Elder Law!

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Greg: Little House on the Prairie, what has it got to do with elder law? I miss good shows. Didn’t shows use to be great on television? What happened?

Hayden: That’s why those shows are still around. The TV series are different now. It used to be they were wholesome, you had Merv Griffith and Little House.

Greg: There was more respect.

Hayden: The parents were idealistic parents, they were good parents and the kids respected them. Now, all the parents are idiots and the kids know it all.

Greg: We had the Brady Bunch which was really progressive back in those days. Two households coming together. The parents were respected and treated well and the acting was smart. They seem to act like they’re stupid now. That’s the way they’re written.

Hayden: They make fun of people, and the shows you think should be the least offensive like on the Disney channel, are probably the worst offenders. I doubt parents watch these shows.

Greg: If they did they would monitor more carefully what their children watched. So, what can we learn from Little House on the Prairie?

Hayden: It was a moral show. The parents made good decisions for the most part and the ones who didn’t, there was always a consequence.

Greg: So, we are well into 2017 and I feel like I’ve been planning and getting going for the last month. I think we do a lot of things that are throwbacks, and what I mean by that is, when I’m thinking of how to offer services to clients, I’m trying to meet them where they are.

I think attorneys a lot of the time make mistakes being ivory tower attorneys, very hoity-toity, where there is the mahogany desk and walls and ‘you need to come and see me and pay tribute in my office and see all my degrees,’ kind of thing. I think we as attorneys make a mistake by doing that, we should be meeting people where they are with what they want. Doctors have this ivory tower thing going too, no offense. They’re so damn expense it’s ridiculous.

Hayden: And there’s not much of an option at all to see a doctor.

Greg: You can’t have a doctor visit your house. They don’t need to hustle or advertise. They have a corner on the market and they know it. We make a mistake by doing that and I apologize for that. I apologize for the legal industry. I don’t think it needs to be that way.

At my firm, we routinely go to see people where they are. I had someone say to me, and this was a great attorney very high up in management at a multi-million-dollar firm, he said, “Greg, you think your clients like to come and gather up all their stuff and meet you at your office? Because they don’t.” This spoke volumes to me. We go and meet clients at their homes. We have clients outside of our home base in Cleveland County, where we’ve built a hub of elder law services; Probate, Estate Planning, Medicaid Crisis Planning, and Veterans Aid and Attendance Planning, that’s what we do. That’s the nuts and bolts of our services.

In Cleveland County and beyond, we have options to meet with our clients. We will go into your home anytime you need us. We will be there to talk to you and your family, your loved ones, or you can come to one of our satellite locations where we meet with clients. We have one in Asheville, Greensborough, Charlotte, in fact we have eleven different locations available to meet with clients in Charlotte, and anywhere in between. If you don’t want to, or can’t come to our office in any of those locations then we will meet you in your house or set up a separate meeting location in your town. Cultural centers, senior centers are great places to meet.

So, how does this relate to ‘Little House?’

Hayden: Back then there were no doctor’s offices, so if you got sick the doctor came to you.

Greg: Here’s what happens when I go to someone’s home to meet with them. I bring my laptop, so I can type everything up. I don’t rely on scribbly legal pads anymore, this way everything goes in the system straight away. I bring my bag which has a Bluetooth portable printer and a separate scanner. It’s my doctors bag. It has everything I need to see clients in their homes.

We think we have advanced and come a long way since Little House on the Prairie. I think things have come around full circle.

Hayden: Yes, maybe, in technology and knowledge and the discoveries that have been made, but compassion, that hasn’t followed the pattern.

Greg: But now, I can take my doctors bag out and get back to really serving people.

I hate technology for technologies sake, but if it helps, we can plug in and have the same law office in someone’s home. Why wouldn’t you want to do that? Ego keeps lawyers in their offices.

Hayden: Well, a lot of times people identify with their specialty and yours is caring for older people and helping people prepare for those times. That is a more compassionate type of being.

Greg: Some clients cannot come and visit me at my office. It’s all about the client relationship and experience and delivering quality services to your client wherever they are on their terms. I think we have got away from that as a profession. I respect the old way of doing things. If you mix the old school with the new, you can have the best of both worlds. That is what we are here to provide.

Our region is western North Carolina, from Charlotte to Asheville, we do phone consults and we are glad to have consults in home, it doesn’t matter where, we will get it done, that’s a big push for us.

If you or a loved one is in nursing home or assisted living care right now, or has been, or is going to be in the near future, we can help you and your family. That is one of the best things we ever do. We do it well and we really love doing it because we help you and your family protect your hard-earned money and property. You may have saved your whole life with your spouse, and all of a sudden you find it dwindling down to nothing because you don’t know what to do, and social workers with the best of intentions, cannot and are forbidden from giving you legal advice.

Where do people go for answers?

Hayden: Some people don’t know the questions to ask. They think they have a will or power of attorney, health care power of attorney, or living will and they think they are all set.

Greg: If you are in that situation and you think you have a will, you could be in the worst bad situation, how about that? Call us at 704–259–7040. We serve the Carolinas and we would be happy to serve you.

It has been a pleasure doing a show on Little House on the Prairie, I remember that show so much I get nostalgic thinking about it.

Next week the show will be about a senior subject, so please watch because we provide services a different way than most professionals.

Contact me if you have any questions. Elder Law is what we do!

Greg McIntyre

greg@mcelderlaw.com

Elder Law Attorney
McIntyre Elder Law
123 W. Marion Street

Shelby, NC 28150

704–259–7040

Total Foundations Seminar

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Elder Law Foundations – Valentines Day Presentation at Hospice Cleveland County. Take Care of your Loved Ones!!! #theelderlawguy

‪Happy Valentines Day from the McIntyre’s to you!

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‪Happy Valentines Day from the McIntyre’s to you! #theelderlawguy‬

Lunch with a Veteran: Driver to the Kennedy’s – Earl Mace

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Earl Mace is an Air Force Veteran. Earl’s story sounds pretty ordinary until you get to the part about working for the Kennedys. #theelderlawguy

***LIVE*** Elder Law Report: Welcome!!! What is Elder Law and why it matter to your family!!!

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The Elder Law Report is now regional!!! We will be covering from Charlotte to Asheville on WOHS and Hendersonville, WTZQ. Very excited to be back, bigger and better than ever. #theelderlawguy

A Youthful Perspective. Proud of my son.

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So proud of my son, Tucker! Our Middle School Youth gave our sermon this morning. So I had no idea what Tucker was going to speak about. His mother (my wife) worked with him on writing it. What he says is so true. We are all called to serve our elders. Proud of him. #theelderlawguy

Greg and Hayden: Senior Centers have so much to offer!

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At the Conference Table with Greg and Hayden: Senior Centers have so much to offer! Really every community should have one. So much to offer for seniors. Quality of life, friendship and activeness has so much to do with overall health and wellbeing. #theelderlawguy

The Real G.I. Jane: Sergeant First Class – Martha Bridges – Army.

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Sergeant First Class Bridges spent 22 years in the Army Reserves including active duty time. She entered the military when it was not common for women to do so. Great story about a strong young woman! #theelderlawguy

Nursing Home Crisis Planning

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With Greg McIntyre and Hayden Soloway

January 18th 2017

GM: Good morning to all. We are talking about Medicaid Crisis Planning today, Nursing Home Crisis Planning, which is a big deal, oh my gosh.

HS: It’s a really big deal if you are in that situation and all of a sudden you realize all the money is draining out at a rate of $5000 to $10,000 per month.

GM: $5000 to $10,000 per month. That’s a lot of money. We have great nursing homes in the US and in our geographic area, but it costs a lot for nursing home care, and the question is, how are you going to pay for it?

But, why should you care about nursing home care? It’s not going to happen to me or you, right?

HS: Statistically, there is a 70% chance it will.

GM: If the report of 2005 from the US Department of Health and Human services study is accurate, and there is a 70% chance that people over 65 years of age will need some type of long term care, in-home, assisted living, or nursing home care, those are huge numbers. If there was a 70% chance of rain, or snow, or something, you would prepare, you would plan by bringing an umbrella, or rain coat, or something warm, wouldn’t you?

They are only statistics, but when the odds are stacked against you, you don’t gamble, you plan ahead. It’s always better to plan ahead. We have a plan ahead department in our law office, which really helps you get your estate planning in order to protect your hard-earned money and property for the rest of your life. Hopefully, this will be the last legal planning and legal documents you will ever need, but just in case, there needs to be some tweaks. I offer a free update and consult every year with our clients.

This way, we can sit down and discuss any new thing in your life, like you’ve got a new piece of property, or you’ve come into some money, or you sold the house, or you had a Ladybird deed on your house and you sold it, what do you do?

HS: That’s a good point to bring up, because most people think selling their house is a cure all.

GM: Selling the house can create a whole new set of problems.

HS: If you are getting up there in years and decide you want to sell some property, you should talk to Greg before you do it.

GM: Talking about the pros and cons of selling your home, what kinds of problem or opportunity might that create for you? Problems really are great opportunities by the way. Even though you might have a Ladybird Deed on the house that protects the house, you could sell that home and have a couple of hundred thousand on hand, then what are you going to do with that money? How will you protect it in case a long-term care situation comes along, so you don’t lose it all?

The first question I ask when I sit down with a client is, do you have long term care insurance? And I sit down with families all the time who are spending down $5000 or $10,000 like it’s water because a husband or wife has gone into nursing home care. They saved their whole life for retirement and there’s nothing left or there soon won’t be.

HS: They didn’t see the roadblocks.

GM: They didn’t realize that, like my grandfather who I wrote about in my book ‘Saving the Farm’, he never saw that he would lose everything. He was in assisted living for 14 years. The cost of care, in reality, the average person cannot save enough money in their life, not even a couple, to pay for the last few years of their life in a long-term care facility. That machine, that system, will take back everything that they made their entire life.

That’s not right.

HS: People contribute so much in taxes already.

GM: Your taxes paid for that system. North Carolina does have a great thing in allowing Ladybird Deeds to protect your house immediately, which we can draft. It costs a fraction of the worth of the house to put a Ladybird Deed on a house. It protects the property now, and allows you to access a Medicaid benefit for a loved one to pay for assisted living or nursing home care. It’s an amazing thing, it passes it directly outside of probate to a child. It’s like turning your home into a beneficiary asset, it protects it from a Medicaid recovery.

HS: We have done one today for a fellow who lives in Washington State and his mother lives in North Carolina.

GM: That’s right, I worked with his accountant, and attorney, and him on the phone in a 4-way call. This kind of thing is routine for us. We work with other professionals all the time, and make sure everything is right with taxes, and that you step up in bases to make sure there are no capital gains for the kids.

So, in a situation where I have a crying spouse in my office, which happens regularly, the spouse can be healthy, it’s called the ‘Community Spouse’, and can live for many more years, but the unwell spouse is taking down all their retirement savings. I talk to financial planners all the time, you do not want to ride that pile of money or investment into the ground, that’s the wrong thing to do. Make an appointment to talk to your financial planner.

So, let’s say, in the next few years, my wife and my savings are all going to be gone. My money is all falling out the back of a plane right now. It’s going to care for her because she needs some assisted living care, and it’s not going to be a straight down dive into the ground, but it is going to go down quickly over the next few years.

Is that responsible piloting of your money? No, it’s not.

How can it be a smoother flight?

When you talk to your financial planner, they should not be advising you to ride your money into the ground.

At some point, if there is a sickness in the family, if something really goes awry, and the person cannot afford long term care insurance, or couldn’t qualify for it, you have got to call someone like me, an elder law attorney. You should ask, what can I do to save my savings and my house.

How much money can I save if there is a healthier community spouse, and qualify the sick spouse for Medicaid to pay for that care in a nursing home?

SB: It depends on the size of the estate.

GM: Yes, it does. With a married couple, 100% of the estate. If there is a healthy community spouse where we can have the reserve of $119,220 for the healthy spouse, and then pay the rest using a tool like a Medicaid Compliant Annuity, or a Promissary Note, or something like that. And then place a Ladybird deed on the house.

That’s nursing home emergency planning. Let us help you. Don’t just fly the plane into the ground.

HS: There are people now who are involved in the Medicaid spend down.

GM: That’s a hang your head spend down. That’s when you have waited too long, you’re spending all the money.

HS: You just hang your head and give up.

GM: But that’s not how it needs to be. It is our mission to find legal ways, within the rules, to simply help you save your hard earned money and property.

If you are interested in learning more, read my book ‘Saving the Farm’. You can get it on Amazon, or you can come by the office and get a copy. Some of the retail stores in the Shelby, North Carolina area have it also, and there is the audio version on audible.com.

Let me protect your hard earned money and property. I’m Greg McIntyre of McIntyre Elder Law. Call us on 704–259–7040 if you have a long term care crisis, or you want to just plan ahead, or learn about your options.

Contact me if you have any questions. Elder Law is what we do!

Greg McIntyre

greg@mcelderlaw.com

Elder Law Attorney
McIntyre Elder Law
123 W. Marion Street

Shelby, NC 28150

704–259–7040

@ The Conference Table: What Little House on the Prairie can teach us about Elder Law!

in Elder Law TV by Greg Comments are off

@ The Conference Table: What Little House on the Prairie can teach us about Elder Law!
Tune in to this awesome episode as Hayden and Greg pull from the past to talk about how to plan and how to offer better services to seniors. #theelderlawguy #McIntyreElderLaw

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