There are several kinds of disability income benefits available to a worker who becomes unable to work due to an injury or illness. This article focuses on private disability insurance policies or plans provided by employers that are governed by a federal law known as the Employee Retirement Income Security Act of 1974 (“ERISA”). Applying for long-term disability benefits under…
Linda sank down into an armchair and pulled off her hat. “I hate funerals and this one was really tough. I am really going to miss Aunt Millie.” Her sister, Mary, sighed. “I know. But I’m glad we could be there for her, her being all alone after Uncle Fred died.” “But now the hard work begins,” Linda said. “Aunt…
Angela stared into her coffee cup and shook her head. “I don’t know what to do, Fred. Mom’s nursing home is threatening to kick her out because her Medicare coverage has run out.” Fred frowned. “But she qualified for Medi-Cal. Did you tell them that?” Angela nodded. “Yes, I did. The nursing home administrator told me that they have a…
Julia was worried. “I’m telling you, Mom had a big bruise on her leg when I visited her yesterday at the nursing home,” she told her sister, June. “She says she doesn’t remember how it happened. When I asked a nurse, all she said was, ‘Oh, your mother is always falling. She doesn’t always use her walker.’ Mom doesn’t have…
All attorneys will agree with me that if there’s one thing we wish our clients would do it would be to talk to us before they act. It’s much better for the client, and less expensive in the long run, to have your attorney review that lease or contract before you sign it than to be surprised later. We find…
Linda and her friend, Mary, walked through the apartment at the retirement village. It was the perfect space for a single adult who didn’t want to deal with the responsibility of home ownership. “There are a number of different units available, with a wide variety of amenities,” the real estate agent said. “Because this is a continuing care retirement community,…
Laura was worried about her 80-year-old mother. “She gets around well enough, but sometimes she needs help with household tasks, such as cleaning, grocery shopping, and laundry,” she told her friend, Debra. “And she claims she can’t afford to hire someone to help. But neither can I. And if she doesn’t get the help she needs, she may have to…