As citizens of a culture that worships youth, most of us find it nearly impossible to admit our own mortality, much less make plans for that eventuality. Denial, however, offers no protection from the inevitable.
The document summarizes research on underinsurance in Kansas. It defines underinsurance and describes methods used, including surveys and interviews. Key findings include:
- Many underinsured individuals did not realize their coverage was inadequate until facing medical bills. While some considered their plans good, the reality was different.
- Underinsurance disproportionately affected those with high health needs or low incomes. Monthly out-of-pocket costs ranged from $420-1,500 on average.
- Consequences of underinsurance included financial strain, medical debt, bankruptcy, deferred or forgone care, and difficulties paying for basic needs.
Web conference explaining California's new pediatric hospice and Palliative Care Benefit. In two parts: palliative care for children explained and what is the wiaiver?
Health Care Is Not a Spectator Sport: Participatory Medicine and the Evolving...Daniel Sands
This document discusses the evolving role of pharmacists in participatory medicine. It argues that health care is not a spectator sport and patients want more communication, involvement in their care, access to information, and convenience. New technologies like patient portals, secure messaging, and telehealth can help engage patients and enable collaboration between patients and providers. This shifts care delivery away from episodic office visits to ongoing prevention and management, especially for chronic conditions.
Geron 2014: Caregiver Issues and Challenges by Swapna Kishore (Kolkata, India)Swapna Kishore
Caregivers: Issues and Challenges Faced--- A caregiver perspective presented on Sept 6, 2014, as part of the theme symposium at GERON 2014, the 10th Annual National Conference of the Indian Association for Geriatric Mental Health, held at Kolkata, India.
If you are concerned about dementia home care, also see the pages at: http://dementiacarenotes.in/caregivers/
1. Long term care insurance pays for long term care services such as help with daily activities like eating, bathing, and dressing. It can cover care at home or in facilities like nursing homes.
2. Some key things to know before buying long term care insurance are getting the right amount of coverage, choosing a company unlikely to raise premiums, understanding rejection doesn't mean you can never get coverage, and getting advice from a specialist.
3. Long term care is an important issue for women as they are often caregivers, live longer, and make up a large portion of nursing home residents.
1) The document discusses Pennsylvania's welfare sanction policies, which allow benefits to be denied or reduced if recipients do not follow certain rules without good cause. Sanctions have increased significantly in recent years.
2) Recipients can be sanctioned for issues like not cooperating with child support enforcement, not signing paperwork, or not meeting work requirements. Sanctions start by reducing just the individual's benefits but can eventually terminate benefits for the whole family.
3) It is important for recipients to appeal sanction threats to argue they had good cause for any noncompliance and to avoid the long-term negative impacts of sanctions. Common good causes include things outside a recipient's control like transportation, childcare, or health issues.
The document summarizes research on underinsurance in Kansas. It defines underinsurance and describes methods used, including surveys and interviews. Key findings include:
- Many underinsured individuals did not realize their coverage was inadequate until facing medical bills. While some considered their plans good, the reality was different.
- Underinsurance disproportionately affected those with high health needs or low incomes. Monthly out-of-pocket costs ranged from $420-1,500 on average.
- Consequences of underinsurance included financial strain, medical debt, bankruptcy, deferred or forgone care, and difficulties paying for basic needs.
Web conference explaining California's new pediatric hospice and Palliative Care Benefit. In two parts: palliative care for children explained and what is the wiaiver?
Health Care Is Not a Spectator Sport: Participatory Medicine and the Evolving...Daniel Sands
This document discusses the evolving role of pharmacists in participatory medicine. It argues that health care is not a spectator sport and patients want more communication, involvement in their care, access to information, and convenience. New technologies like patient portals, secure messaging, and telehealth can help engage patients and enable collaboration between patients and providers. This shifts care delivery away from episodic office visits to ongoing prevention and management, especially for chronic conditions.
Geron 2014: Caregiver Issues and Challenges by Swapna Kishore (Kolkata, India)Swapna Kishore
Caregivers: Issues and Challenges Faced--- A caregiver perspective presented on Sept 6, 2014, as part of the theme symposium at GERON 2014, the 10th Annual National Conference of the Indian Association for Geriatric Mental Health, held at Kolkata, India.
If you are concerned about dementia home care, also see the pages at: http://dementiacarenotes.in/caregivers/
1. Long term care insurance pays for long term care services such as help with daily activities like eating, bathing, and dressing. It can cover care at home or in facilities like nursing homes.
2. Some key things to know before buying long term care insurance are getting the right amount of coverage, choosing a company unlikely to raise premiums, understanding rejection doesn't mean you can never get coverage, and getting advice from a specialist.
3. Long term care is an important issue for women as they are often caregivers, live longer, and make up a large portion of nursing home residents.
1) The document discusses Pennsylvania's welfare sanction policies, which allow benefits to be denied or reduced if recipients do not follow certain rules without good cause. Sanctions have increased significantly in recent years.
2) Recipients can be sanctioned for issues like not cooperating with child support enforcement, not signing paperwork, or not meeting work requirements. Sanctions start by reducing just the individual's benefits but can eventually terminate benefits for the whole family.
3) It is important for recipients to appeal sanction threats to argue they had good cause for any noncompliance and to avoid the long-term negative impacts of sanctions. Common good causes include things outside a recipient's control like transportation, childcare, or health issues.
This document provides information about planning and paying for health care needs in retirement. It discusses the rising costs of health care and long-term care services. Some key points include: a couple retiring at 65 will need about $240,000 on average to cover medical costs throughout retirement; 1/3 of people turning 65 will need at least 3 months of nursing home care; and the average daily rate for a private nursing home room in 2012 was $248. The document also summarizes different long-term care options like nursing homes, assisted living facilities, and home health care services.
Dementia Home Care: Context and Challenges in IndiaSwapna Kishore
Most dementia care in India happens at homes and is provided by family caregivers. Volunteers and other concerned persons need to understand the realities of dementia home care in India to be able to provide suitable help and suggestions, while remaining sensitive and respectful of what families achieve in face of so many challenges.
Read discusssions on handling dementia home care in India at: http://dementiacarenotes.in/caregivers/
This document provides information from a webinar presented by Griswold International, LLC on managing dementia symptoms. The webinar aims to empower caregivers to understand and manage dementia symptoms and improve quality of life through education, support and advocacy. It covers common symptoms such as repetitive behaviors, wandering, aggression, hallucinations, sundowning, sleep problems, and communication challenges. Potential causes of symptoms and management strategies are discussed. The importance of surrounding oneself with a dementia care team is emphasized. [END SUMMARY]
Dementia caregivers: introducing the caregivers (Presentation at ARDSICON 201...Swapna Kishore
Dementia caregivers handle a lot of work and responsibility for many years, but often do not realize how critical their role is. This presentation discusses caregiving in the context of dementia. It covers commonalities and differences amongst various types of caregivers. It looks at a range of caregivers who may vary in terms of their age, gender, relationship with the care-recipient, whether paid or unpaid, and whether living with the person or coordinating care from a distance.
For discussions on how to plan and cope with dementia home care, see: http://dementiacarenotes.in/caregivers/
How to Plan for End-of-Life Issues in Alzheimers & DementiaLeslie Kernisan
Practical information on addressing end-of-life planning, in the context of dementia including Alzheimer's disease.
The first part is about healthcare and end-of-life planning in general; the second part includes advice about end-of-life in Alzheimer's.
This talk was designed for family caregivers, and was part of a webinar with Family Caregiver Alliance in Nov 2013.
From Dr. Kernisan's Geriatrics for Caregivers project.
This document provides an overview of advance care planning for older adults and their families. It discusses:
1) Advance care planning as an ongoing process of reflecting on values and goals, discussing future medical care preferences, and documenting choices for current and future care.
2) The importance of understanding likely health declines from chronic conditions to prepare for possible crises and end-of-life situations.
3) A 4-step process for advance care planning: understanding health conditions, articulating values and preferences, documenting preferences in writing, and periodically reassessing plans.
The National Council on Aging (NCOA) is committed to helping older adults live independently in their own homes for as long as possible. As people age, health or financial challenges can make living at home difficult. This booklet aims to help seniors understand options like reverse mortgages that can provide funds to pay for services needed to age in place. It discusses factors to consider when deciding if aging in place is feasible and sustainable.
This document discusses palliative care, hospice care, and end-of-life planning. It defines palliative care as treating people with serious illnesses through managing symptoms and improving quality of life. Hospice care provides medical care, pain management, and emotional/spiritual support for those facing a life-limiting illness. The document encourages having early conversations with loved ones about one's end-of-life wishes through completing advance directives that appoint a healthcare agent and document treatment preferences. It provides tips on involving loved ones, preparing, storing, and sharing advance directives to ensure one's wishes are followed.
The Clinical Social Worker at the MDA Clinic provides counseling services and resource referrals to patients. Counseling services address issues such as adjusting to diagnosis, caregiver burnout, family disruptions, disability applications, loss and grief over disease progression, and stress on relationships. Referral resources include assistance with insurance, basic needs, medical equipment, and estate planning documents like healthcare powers of attorney and living wills to ensure wishes are followed if unable to communicate.
The Clinical Social Worker provides counseling services and resource referrals to patients of the MDA Clinic. Counseling services address issues like grief, caregiver burnout, family disruption, and relationship stress that can arise due to a chronic illness like muscular dystrophy. The social worker also connects patients and caregivers to resources for basic needs assistance, disability and health insurance, and medical equipment. Additionally, the social worker assists with estate planning by explaining and completing advanced directives like healthcare powers of attorney and living wills to ensure patients' healthcare wishes are followed if they are unable to communicate decisions themselves.
This document discusses the importance of advance directives in Oregon. It explains that an advance directive allows one to appoint a healthcare representative to make medical decisions if one becomes incapacitated, and to specify acceptance or refusal of life-sustaining treatment. The document outlines the legal requirements for a valid advance directive in Oregon, including using witnesses that meet certain criteria. It stresses getting an experienced estate planning attorney to properly draft an advance directive, to ensure one's wishes will be honored.
This document provides an overview of long-term care planning and options. It discusses that 70% of those over 65 will need long-term care services, which can include assistance with daily living activities. Long-term care can take place at home, in assisted living facilities, or nursing homes. The costs of long-term care are high and most people cannot afford extended care privately. The document outlines potential payment sources including Medicaid, Medicare, private long-term care insurance, and veterans benefits. It stresses the importance of planning ahead for long-term care needs.
For surviving family members, the hours and days following a loved ones death is no time for weighty decisions. For many Americans, however, this will be the first time they think about the preparations for their loved ones funeral.
A presentation designed to inform health care workers about the components and importance of advance directives, with specific information for Massachusetts residents.
This guide is for members of the public and explains advance care planning. It outlines the different options available to people when planning for their end of life care.
This publication is a revised version of Planning for your future care (2009).
Publication by the National End of Life Programme which became part of NHS Improving Quality in May 2013
The last thing most of us ever want to think about is our own death. But the fact is it comes to us
all, and sometimes sooner than expected.
Everyone dies with a to-do list, but if making your end of life plans is on that list, it can cause
chaos for your loved ones. However, this chaos can be avoided easily if you face facts and deal
with your end of life considerations now, in a practical way, rather than then in an emotional and
crisis-driven way.
There are several basic aspects to planning for your death that include what your wishes are in
relation to your health care, memorial arrangements and what is to be done with your body. The
other major considerations are to do with family finances. Who will be in charge of your estate -
that is, what you leave behind of value? How will your family be looked after once you are
gone? How can your estate be protected from excessive taxation?
Let’s start with planning ahead in terms of making your wishes known.
This document provides instructions for completing an Arizona Health Care Directive. It begins with appointing an agent to make health care decisions if the individual becomes unable to do so. It then allows the individual to provide guidance on their end-of-life wishes through a living will. The document also covers options for organ donation and autopsy. Instructions are provided throughout to guide the individual in making their wishes clear and executing the document properly.
Advanced care planning involves having conversations about end-of-life care preferences and appointing a health care agent to make decisions if someone is unable. More than 90% of people think these discussions are important but less than 30% have had them. Having advance care planning leads to better end-of-life experiences and outcomes for both patients and families. The process involves choosing a health care agent, discussing goals of care if recovery is unlikely, and identifying beliefs that impact treatment decisions. The most crucial part is starting the conversation with loved ones and one's doctor.
Page 2 of 2
SAINT LEO UNIVERSITY
GBA231: BUSINESS LAW I
SPRING TERM I, 2020
INSTRUCTOR: JACOBS
GBA-231 Term Paper Assignment
Review all materials in Chapter 52 and conduct research on the United States Supreme Court case of Cruzan v. Director, Missouri Department of Health, 497 U.S. 261 (1990). The text of this case, along with numerous case briefs, commentaries, summaries, etc., may be found by simply entering the full name of the case into any major online search engine of your choosing. Alternatively, you may use Westlaw, Lexis or any other professional legal research databank in your research, however, use of such is not required. Following your research, review the following questions:
• What was the ultimate numerical vote of the court?
• When and how can life support be withdrawn?
• How does death by refusal of treatment differ from suicide?
• How does a living will work and when does it become of legal effect?
• What is a health care directive and how does it work?
After completing your research, summarize your answers, and, along with any other sources, if any, address and support your particular position/view on the following specific topics
and make sure you answer the questions contained in the following four (4) paragraphs highlighted in green)
1. What are the potential foreseeable financial, psychological, and medical, yet unintended, harmful consequences to one’s family and friends in failing to provide a properly executed will and living will prior to one’s final illness and death?
2. What are the fundamental distinctions between recuperative medical care and palliative care? Who should be included in the decision to modify care from recuperative to palliative? When, if ever, is the right to refuse any and all medical care appropriate when such virtually ensures the death of the patient?
3. What professionals, medical or otherwise, should be involved in advising decisions concerning end-of-life wishes? How does euthanasia differ from a simple cessation of treatment? Who should make end of life decisions for those who are without a family member to take on such a role?
4. What measures can be taken to ensure the quality of ongoing family and social relationships, individually and as a group, to end-of-life patients? What pitfalls are to be avoided in ensuring maintenance of these relationships? What actions may be taken to ensure the spiritual and existential dimensions of the process are respected and integrated?
You must submit this assignment as a Word document to the Chalk and Wire link found inside our Saint Leo University GBA 231 D2L course shell. The link will take you to an external assessment tool called Chalk and Wire. Instructions for submitting the document will be available after you click on the link above and are also located in the Student Resources folder under Student Handouts.
Term papers absolutely, positively must .
An incapacity plan is an important part of estate planning that addresses what happens if someone becomes incapacitated and unable to make decisions. It typically includes documents like a power of attorney, medical power of attorney, and living will to grant others authority over finances and medical care. Incapacity can happen at any age due to accidents or illness, not just in old age, so it is important to have an incapacity plan in place. Without a plan, family disputes may arise over who has authority if incapacity occurs. Estate planning tools like trusts, joint ownership, and advanced directives can help structure authority and decision making for incapacity situations.
This document provides information about planning and paying for health care needs in retirement. It discusses the rising costs of health care and long-term care services. Some key points include: a couple retiring at 65 will need about $240,000 on average to cover medical costs throughout retirement; 1/3 of people turning 65 will need at least 3 months of nursing home care; and the average daily rate for a private nursing home room in 2012 was $248. The document also summarizes different long-term care options like nursing homes, assisted living facilities, and home health care services.
Dementia Home Care: Context and Challenges in IndiaSwapna Kishore
Most dementia care in India happens at homes and is provided by family caregivers. Volunteers and other concerned persons need to understand the realities of dementia home care in India to be able to provide suitable help and suggestions, while remaining sensitive and respectful of what families achieve in face of so many challenges.
Read discusssions on handling dementia home care in India at: http://dementiacarenotes.in/caregivers/
This document provides information from a webinar presented by Griswold International, LLC on managing dementia symptoms. The webinar aims to empower caregivers to understand and manage dementia symptoms and improve quality of life through education, support and advocacy. It covers common symptoms such as repetitive behaviors, wandering, aggression, hallucinations, sundowning, sleep problems, and communication challenges. Potential causes of symptoms and management strategies are discussed. The importance of surrounding oneself with a dementia care team is emphasized. [END SUMMARY]
Dementia caregivers: introducing the caregivers (Presentation at ARDSICON 201...Swapna Kishore
Dementia caregivers handle a lot of work and responsibility for many years, but often do not realize how critical their role is. This presentation discusses caregiving in the context of dementia. It covers commonalities and differences amongst various types of caregivers. It looks at a range of caregivers who may vary in terms of their age, gender, relationship with the care-recipient, whether paid or unpaid, and whether living with the person or coordinating care from a distance.
For discussions on how to plan and cope with dementia home care, see: http://dementiacarenotes.in/caregivers/
How to Plan for End-of-Life Issues in Alzheimers & DementiaLeslie Kernisan
Practical information on addressing end-of-life planning, in the context of dementia including Alzheimer's disease.
The first part is about healthcare and end-of-life planning in general; the second part includes advice about end-of-life in Alzheimer's.
This talk was designed for family caregivers, and was part of a webinar with Family Caregiver Alliance in Nov 2013.
From Dr. Kernisan's Geriatrics for Caregivers project.
This document provides an overview of advance care planning for older adults and their families. It discusses:
1) Advance care planning as an ongoing process of reflecting on values and goals, discussing future medical care preferences, and documenting choices for current and future care.
2) The importance of understanding likely health declines from chronic conditions to prepare for possible crises and end-of-life situations.
3) A 4-step process for advance care planning: understanding health conditions, articulating values and preferences, documenting preferences in writing, and periodically reassessing plans.
The National Council on Aging (NCOA) is committed to helping older adults live independently in their own homes for as long as possible. As people age, health or financial challenges can make living at home difficult. This booklet aims to help seniors understand options like reverse mortgages that can provide funds to pay for services needed to age in place. It discusses factors to consider when deciding if aging in place is feasible and sustainable.
This document discusses palliative care, hospice care, and end-of-life planning. It defines palliative care as treating people with serious illnesses through managing symptoms and improving quality of life. Hospice care provides medical care, pain management, and emotional/spiritual support for those facing a life-limiting illness. The document encourages having early conversations with loved ones about one's end-of-life wishes through completing advance directives that appoint a healthcare agent and document treatment preferences. It provides tips on involving loved ones, preparing, storing, and sharing advance directives to ensure one's wishes are followed.
The Clinical Social Worker at the MDA Clinic provides counseling services and resource referrals to patients. Counseling services address issues such as adjusting to diagnosis, caregiver burnout, family disruptions, disability applications, loss and grief over disease progression, and stress on relationships. Referral resources include assistance with insurance, basic needs, medical equipment, and estate planning documents like healthcare powers of attorney and living wills to ensure wishes are followed if unable to communicate.
The Clinical Social Worker provides counseling services and resource referrals to patients of the MDA Clinic. Counseling services address issues like grief, caregiver burnout, family disruption, and relationship stress that can arise due to a chronic illness like muscular dystrophy. The social worker also connects patients and caregivers to resources for basic needs assistance, disability and health insurance, and medical equipment. Additionally, the social worker assists with estate planning by explaining and completing advanced directives like healthcare powers of attorney and living wills to ensure patients' healthcare wishes are followed if they are unable to communicate decisions themselves.
This document discusses the importance of advance directives in Oregon. It explains that an advance directive allows one to appoint a healthcare representative to make medical decisions if one becomes incapacitated, and to specify acceptance or refusal of life-sustaining treatment. The document outlines the legal requirements for a valid advance directive in Oregon, including using witnesses that meet certain criteria. It stresses getting an experienced estate planning attorney to properly draft an advance directive, to ensure one's wishes will be honored.
This document provides an overview of long-term care planning and options. It discusses that 70% of those over 65 will need long-term care services, which can include assistance with daily living activities. Long-term care can take place at home, in assisted living facilities, or nursing homes. The costs of long-term care are high and most people cannot afford extended care privately. The document outlines potential payment sources including Medicaid, Medicare, private long-term care insurance, and veterans benefits. It stresses the importance of planning ahead for long-term care needs.
For surviving family members, the hours and days following a loved ones death is no time for weighty decisions. For many Americans, however, this will be the first time they think about the preparations for their loved ones funeral.
A presentation designed to inform health care workers about the components and importance of advance directives, with specific information for Massachusetts residents.
This guide is for members of the public and explains advance care planning. It outlines the different options available to people when planning for their end of life care.
This publication is a revised version of Planning for your future care (2009).
Publication by the National End of Life Programme which became part of NHS Improving Quality in May 2013
The last thing most of us ever want to think about is our own death. But the fact is it comes to us
all, and sometimes sooner than expected.
Everyone dies with a to-do list, but if making your end of life plans is on that list, it can cause
chaos for your loved ones. However, this chaos can be avoided easily if you face facts and deal
with your end of life considerations now, in a practical way, rather than then in an emotional and
crisis-driven way.
There are several basic aspects to planning for your death that include what your wishes are in
relation to your health care, memorial arrangements and what is to be done with your body. The
other major considerations are to do with family finances. Who will be in charge of your estate -
that is, what you leave behind of value? How will your family be looked after once you are
gone? How can your estate be protected from excessive taxation?
Let’s start with planning ahead in terms of making your wishes known.
This document provides instructions for completing an Arizona Health Care Directive. It begins with appointing an agent to make health care decisions if the individual becomes unable to do so. It then allows the individual to provide guidance on their end-of-life wishes through a living will. The document also covers options for organ donation and autopsy. Instructions are provided throughout to guide the individual in making their wishes clear and executing the document properly.
Advanced care planning involves having conversations about end-of-life care preferences and appointing a health care agent to make decisions if someone is unable. More than 90% of people think these discussions are important but less than 30% have had them. Having advance care planning leads to better end-of-life experiences and outcomes for both patients and families. The process involves choosing a health care agent, discussing goals of care if recovery is unlikely, and identifying beliefs that impact treatment decisions. The most crucial part is starting the conversation with loved ones and one's doctor.
Page 2 of 2
SAINT LEO UNIVERSITY
GBA231: BUSINESS LAW I
SPRING TERM I, 2020
INSTRUCTOR: JACOBS
GBA-231 Term Paper Assignment
Review all materials in Chapter 52 and conduct research on the United States Supreme Court case of Cruzan v. Director, Missouri Department of Health, 497 U.S. 261 (1990). The text of this case, along with numerous case briefs, commentaries, summaries, etc., may be found by simply entering the full name of the case into any major online search engine of your choosing. Alternatively, you may use Westlaw, Lexis or any other professional legal research databank in your research, however, use of such is not required. Following your research, review the following questions:
• What was the ultimate numerical vote of the court?
• When and how can life support be withdrawn?
• How does death by refusal of treatment differ from suicide?
• How does a living will work and when does it become of legal effect?
• What is a health care directive and how does it work?
After completing your research, summarize your answers, and, along with any other sources, if any, address and support your particular position/view on the following specific topics
and make sure you answer the questions contained in the following four (4) paragraphs highlighted in green)
1. What are the potential foreseeable financial, psychological, and medical, yet unintended, harmful consequences to one’s family and friends in failing to provide a properly executed will and living will prior to one’s final illness and death?
2. What are the fundamental distinctions between recuperative medical care and palliative care? Who should be included in the decision to modify care from recuperative to palliative? When, if ever, is the right to refuse any and all medical care appropriate when such virtually ensures the death of the patient?
3. What professionals, medical or otherwise, should be involved in advising decisions concerning end-of-life wishes? How does euthanasia differ from a simple cessation of treatment? Who should make end of life decisions for those who are without a family member to take on such a role?
4. What measures can be taken to ensure the quality of ongoing family and social relationships, individually and as a group, to end-of-life patients? What pitfalls are to be avoided in ensuring maintenance of these relationships? What actions may be taken to ensure the spiritual and existential dimensions of the process are respected and integrated?
You must submit this assignment as a Word document to the Chalk and Wire link found inside our Saint Leo University GBA 231 D2L course shell. The link will take you to an external assessment tool called Chalk and Wire. Instructions for submitting the document will be available after you click on the link above and are also located in the Student Resources folder under Student Handouts.
Term papers absolutely, positively must .
An incapacity plan is an important part of estate planning that addresses what happens if someone becomes incapacitated and unable to make decisions. It typically includes documents like a power of attorney, medical power of attorney, and living will to grant others authority over finances and medical care. Incapacity can happen at any age due to accidents or illness, not just in old age, so it is important to have an incapacity plan in place. Without a plan, family disputes may arise over who has authority if incapacity occurs. Estate planning tools like trusts, joint ownership, and advanced directives can help structure authority and decision making for incapacity situations.
LPL Financial Guide to Long Term Care InsuranceThomas Kelly
The document provides information about long-term care, the costs associated with it, and ways to plan and pay for long-term care services. It explains that long-term care includes medical and non-medical services for those with chronic illnesses or disabilities, and that most claims are for people under age 64. It also outlines options for funding long-term care, including traditional long-term care insurance, life insurance with long-term care riders, and single premium life insurance with long-term care benefits. The document stresses the importance of planning ahead for long-term care needs.
In the United States, policy makers, health professionals, and patie.pdfproloyankur01
Answer: Muscle temparature.
Proprioreceptor involves in the detection of changes in tension in muscles and tendons and
fibrous capsules in the joints. But temperature is sensed by specific receptors.
Solution
Answer: Muscle temparature.
Proprioreceptor involves in the detection of changes in tension in muscles and tendons and
fibrous capsules in the joints. But temperature is sensed by specific receptors..
Health care directives what you can doLaurie Crane
1) The document discusses health care directives and their importance, especially for oncology patients. It provides background on health care directives and what they involve.
2) It encourages completing an advance directive form called Honoring Choices Minnesota, which facilitates end-of-life planning and appointing a health care agent.
3) The document offers suggestions for encouraging cancer patients to complete advance directives, such as having the forms available during appointments and referring patients to social workers for assistance.
This document discusses the differences between wills and trusts for estate planning purposes. It explains that a will directs how property is distributed after death but requires probate, while a revocable living trust allows assets to avoid probate by transferring ownership of assets to the trust during life. It notes that a trust can be used to manage assets if one becomes incapacitated, but a will is needed to name guardians. Both documents allow directing distribution of assets, but a trust may provide privacy advantages over probate. The decision depends on factors like state probate laws and property holdings.
Planning for long-term care either for you or a family member is a task most of us are reluctant to consider. Long-term care may be needed at any age, but the possibility of an individual requiring some form of long-term care increases as we age. It is very important to make decisions regarding long-term care in advance of your need.
Nursing Homes: Making the Right ChoiceDavid Corman
Jane, 85, recently broke her hip and can no longer live independently. Her children are discussing the best care options for her. Nursing homes offer hospital-like care or a more home-like environment. When choosing a nursing home, families should consider the type of care needed, location, and costs. Most of the financial burden can be reduced by 75-90% through programs like Medicaid if qualifications are met. It's important to visit facilities, ask questions, and thoroughly review contracts and costs before making a decision.
This document briefly explains the June compliance calendar 2024 with income tax returns, PF, ESI, and important due dates, forms to be filled out, periods, and who should file them?.
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...Sangyun Lee
Presentation slides for a session held on June 4, 2024, at Kyoto University. This presentation is based on the presenter’s recent paper, coauthored with Hwang Lee, Professor, Korea University, with the same title, published in the Journal of Business Administration & Law, Volume 34, No. 2 (April 2024). The paper, written in Korean, is available at <https://shorturl.at/GCWcI>.
The Future of Criminal Defense Lawyer in India.pdfveteranlegal
https://veteranlegal.in/defense-lawyer-in-india/ | Criminal defense Lawyer in India has always been a vital aspect of the country's legal system. As defenders of justice, criminal Defense Lawyer play a critical role in ensuring that individuals accused of crimes receive a fair trial and that their constitutional rights are protected. As India evolves socially, economically, and technologically, the role and future of criminal Defense Lawyer are also undergoing significant changes. This comprehensive blog explores the current landscape, challenges, technological advancements, and prospects for criminal Defense Lawyer in India.
Synopsis On Annual General Meeting/Extra Ordinary General Meeting With Ordinary And Special Businesses And Ordinary And Special Resolutions with Companies (Postal Ballot) Regulations, 2018
Genocide in International Criminal Law.pptxMasoudZamani13
Excited to share insights from my recent presentation on genocide! 💡 In light of ongoing debates, it's crucial to delve into the nuances of this grave crime.
What are the common challenges faced by women lawyers working in the legal pr...lawyersonia
The legal profession, which has historically been male-dominated, has experienced a significant increase in the number of women entering the field over the past few decades. Despite this progress, women lawyers continue to encounter various challenges as they strive for top positions.
Matthew Professional CV experienced Government LiaisonMattGardner52
As an experienced Government Liaison, I have demonstrated expertise in Corporate Governance. My skill set includes senior-level management in Contract Management, Legal Support, and Diplomatic Relations. I have also gained proficiency as a Corporate Liaison, utilizing my strong background in accounting, finance, and legal, with a Bachelor's degree (B.A.) from California State University. My Administrative Skills further strengthen my ability to contribute to the growth and success of any organization.
Guide on the use of Artificial Intelligence-based tools by lawyers and law fi...Massimo Talia
This guide aims to provide information on how lawyers will be able to use the opportunities provided by AI tools and how such tools could help the business processes of small firms. Its objective is to provide lawyers with some background to understand what they can and cannot realistically expect from these products. This guide aims to give a reference point for small law practices in the EU
against which they can evaluate those classes of AI applications that are probably the most relevant for them.
सुप्रीम कोर्ट ने यह भी माना था कि मजिस्ट्रेट का यह कर्तव्य है कि वह सुनिश्चित करे कि अधिकारी पीएमएलए के तहत निर्धारित प्रक्रिया के साथ-साथ संवैधानिक सुरक्षा उपायों का भी उचित रूप से पालन करें।
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3. Peace of Mind 1
PEACE OF MIND: PLANNING FOR ALL OF LIFE’S CONTINGENCIES
As citizens of a culture that worships youth, most of us find it nearly impossible to admit our own
mortality, much less make plans for that eventuality. Denial, however, offers no protection from
the inevitable. And, as it turns out, we have far more to gain than to lose by sitting down in
advance to plan for every contingency life may throw at us. To help you begin this important
process, here are the essential items that should be on your list of basic estate planning
objectives.
PRE-NEED FUNERAL PLANNING
For survivors, the hours and days following a loved one’s death is no time for weighty decisions.
For many Americans, however, this will be the first time they think about preparations for the
loved one’s funeral. Given the expense and painful emotions often involved, survivors may be in
no condition to make choices for themselves or their loved one. With funeral expenses increasing
every year, it is an expense that can quickly escalate as survivors confront a bewildering range of
options on everything, from the kind and quantity of flowers, to the quality of their loved one’s
casket. A premium casket alone, for example, can exceed $15,000. Add in the expense of roses
over carnations and live music over recorded, and survivors can end up paying triple or quadruple
the average funeral’s cost. Yet, without advanced planning to guide them, survivors may feel
guilty about saying anything but “yes” to the best for their loved one.
A study conducted by the National Funeral Directors Association found that although 62.5
percent of consumers felt it was very important to communicate their funeral plans and wishes
to family members prior to their own death, only 21.4 percent had done so in 2017.1 Leaving
these emotionally charged decisions to grieving family and friends can pose an unfair burden on
them in their time of loss. That’s why a growing number of Americans are choosing to take
matters into their own hands with pre-need funeral arrangements.
Today, most funeral homes offer several pre-need planning options. Generally, the process
begins when individuals sit down with a funeral director to discuss the plans available to them.
Once they’ve reviewed their plans with their spouse and their loved ones, they purchase a funeral
package that reflects their wishes down to every possible detail. Consumers have several
alternatives for prepayment for their funeral plans. One is to purchase a life insurance policy with
the funeral home named as beneficiary. Or consumers can make payments in installments over
months or years. With yet another alternative, they may work with a licensed funeral director to
establish a regulated trust which will pay their funeral expenses. Lastly, consumers may prepay
for their funeral in an account which earns interest, and which can be designated “payable on
death” to the funeral home.
1
http://www.nfda.org/news/media-center/nfda-news-releases/id/2419/nfda-consumer-survey-funeral-planning-
not-a-priority-for-americans (2017)
4. Peace of Mind2
After death, if there’s more money in their fund than required to pay for their funeral, the family
will receive a refund. The benefits of a prepaid funeral package go beyond cost savings, however.
For many families, it provides an important opportunity to talk about sensitive issues and
concerns that might otherwise have gone unspoken, and it allows the family to decide together
which funeral options will be most meaningful to them. In many ways, prepaid funeral
arrangements allow families to lay the foundation for a faster process in the future.
For many Americans, the discussion of their own funerals conjures up unwelcome thoughts of
death. But once they overcome their initial resistance, most will find more peace of mind than
discomfort in knowing that all the details of this important task have been handled as they want
them to be.
CONTROLLING THE HEALTH CARE WE RECEIVE
As important as funeral arrangements might be, this task represents just one in a whole series of
essential estate planning issues that we should settle well in advance. Of great concern to many
consumers is the medical treatment they will receive in the event of a serious injury or illness.
With today’s great advancements in medical technologies, health care providers have at their
disposal a wide range of costly and invasive life-prolonging treatments that may be the last thing
you want yourself or a loved one to endure. That’s why, for many consumers, taking steps to
control when, how and why they receive medical treatment ranks at the top of their list of estate
planning priorities.
One tool commonly employed by individuals to achieve that goal is the Living Will, also known as
a healthcare directive. This simple document allows you to describe the kinds of treatments you
do and do not want, should a life-threatening illness or injury befall you. Unfortunately,
Living Wills can be ineffective in some cases. Those patients who do see their directions followed
may have to first endure the medical intervention they sought to avoid while the doctors make
a decision. Americans who want to control their destiny and the manner in which they die have
no choice but to take matters aggressively into their own hands. And the Living Will may not be
the best tool for doing that.
A Living Will is typically a simple one-page document that directs medical providers to limit your
care under certain circumstances. While it’s a convenient tool, its brevity may well be reason
doctors refuse to recognize it. Many cite, for example, its ambiguous language and limited scope
as reasons to disregard it. Further, not all states have laws recognizing the power of Living Wills.
One final drawback: A Living Will does not empower anyone to act on your behalf, should you
need an advocate on the scene to speak for you.
For these reasons, a better alternative to a Living Will alone may be combining it with an Advance
Health Care Directive, also known as a Durable Power of Attorney for Health Care, or Health Care
5. Peace of Mind 3
Proxy. It provides extensive directions governing everything from what life support measures you
want to whether you want to donate your organs. It also allows you to name someone to serve
as your Attorney in Fact for health care matters. Also, the privacy provisions of Health Insurance
Portability and Privacy Act, or HIPAA, became effective in April of 2003.2
To assure that your loved ones can access health care information in the event of your incapacity
or to assist with health care decisions, you and every other member of your family should execute
a HIPAA Authorization form. That’s an important advantage to bear in mind. Having someone
legally authorized to make such decisions for you will ensure that your wishes are carried out.
AVOIDING CONSERVATORSHIP
As we age, serious disability is an increasing likelihood. That’s why you should probably plan in
advance to have your personal care and financial affairs managed, as you would want should you
become disabled. If not, you could find yourself the focus of a Conservatorship proceeding
known in some jurisdictions as a Guardianship. In a humiliating public trial in probate court, you’ll
be declared legally incompetent and a court-appointed guardian will be granted authority over
your care. In some instances, your financial affairs will be managed by one person, while
someone else will make decisions regarding your personal care.
If the humiliation isn’t reason enough to avoid conservatorship, then this should be: the courts
have wide discretion regarding who they assign responsibility for your care. There are no
guarantees that your court-appointed conservatorship will be someone of your choosing, or for
that matter, even someone you know. Many conservators are professionals who receive
payment for this service. And guess who foots the bill for the court costs and the conservator
fees? You do.
Some consumers attempt to control their fates with tools such as a Property Power of Attorney.
But these don’t afford consumers with the greatest possible degree of protection. In contrast,
estate planning options such as the Revocable Living Trust coupled with a Durable Power of
Attorney for Health Care give consumers a much greater ability to control their health care and
financial affairs in the event of incapacity.
HOW TO ENSURE YOU’VE COVERED THE BASICS
One thing should be clear by now: we do our families and ourselves a great disservice when we
fail to plan for every contingency. That’s why a crucial first step in this entire process should be
a consultation with an estate planning attorney. He or she will help you evaluate your family’s
needs and financial situation, and will draft a comprehensive estate plan that may include such
tools as a Durable Power of Attorney for Health Care and Revocable Living Trust. In addition, your
estate planning attorney will show you how to reduce or eliminate estate taxes and how to
2
https://www.hhs.gov/hipaa/for-professionals/privacy/laws-regulations/index.html
6. Peace of Mind4
ensure that after your death your estate will go to whom you want, when you want and how you
want without the expense, delay or publicity of probate. Of course, confronting your own
mortality is a process that makes most people uneasy; but that’s nothing compared to the
anguish that often befalls the families of those who make no plans at all. So, even though the
process can often be emotionally challenging in the beginning, the payoff in peace of mind for
both you and your family will make it worth your while.
7. Peace of Mind 5
ABOUT THE ACADEMY
This report reflects the opinion of the American
Academy of Estate Planning Attorneys. It is based on
our understanding of national trends and
procedures, and is intended only as a simple
overview of the basic estate planning issues. We
recommend you do not base your own estate planning on the contents of this Academy Report
alone. Review your estate planning goals with a qualified estate planning attorney.
The Academy is a national organization dedicated to promoting excellence in estate planning by
providing its exclusive Membership of attorneys with up-to-date research on estate and tax
planning, educational materials, and other important resources to empower them to provide
superior estate planning services.
The Academy expects Members to have at least 36 hours of legal education each year specifically
in estate, tax, probate and/or elder law subjects. To ensure this goal is met, the Academy provides
over 40 hours of continuing legal education each year. The Academy has also been recognized as
a consumer legal source by Money Magazine, Consumer Reports Money Adviser and Suze Orman
in her book, 9 Steps to Financial Freedom.