Category Archives: Health

If my mom is making really bad financial decisions, should I have her declared incompetent?

By: Attorney Nathan Simpson

Screen Shot 2014-05-27 at 1.48.41 PMThis is a questions that comes up routinely in the course of my practice. Many children feel that the best course of action is to have a parent placed under guardianship. While in many situations this is necessary, it is a drastic step that should not be taken lightly. Guardianship proceedings place your parent under the care of a court, which means that even if you are appointed as guardian, a judge will look over every decision that you make. Additionally, court records open you and your family up to public scrutiny.

Often, the best course of action is to talk to your parent. Through use of a power of attorney, you can manage your parent's finances without court intervention. A properly written power of attorney will allow you to do everything that your parent can do with regard to property and bank accounts, while keeping your parent's finances private.

While there may be times when a guardianship is necessary, talked to an experienced elder law attorney before making any decisions.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person's situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.
The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement. If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

February is American Heart Month

February is a great time to think about your heart. Not only is it the month in which we celebrate love and romance, it’s also American Heart Month. But sadly, many of us give the hearts in our Valentine’s Day cards more thought than we do the hearts in our bodies.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person's situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.
The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement. If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

What are Activities of Daily Living (ADL’s) and why do they matter?

By Michelle Mason

Screen Shot 2014-01-28 at 8.37.57 AMThe activities of daily living are basic tasks of everyday life. This is a term that is used in healthcare to refer to daily self-care activities within an individual's place of residence or in an outdoor environment. Many programs use ADLs to determine not only the functional abilities but also the level of care and the benefits available to the individual.

Assessing a senior's functional abilities helps the family and medical professionals determine a person's current care needs. Assessments can be valuable, by showing patterns of either progress or decline.

Whether the senior is able to perform all of the activities of daily living independently, or if they need help with just a few of them, the assessment will help the professional team create a care plan to meet each individual's needs.

Activities of Daily Living (ADL's)

Most senior healthcare providers group the activities of daily living into the following categories:

Bathing and showering: being able to bathe or shower with no assistance.

Personal grooming: Shaving, brushing teeth and coming hair.

Dressing: choosing appropriate garments and being able to dress and undress, having no trouble with buttons or zippers.

Preparing meals and eating: making appropriate food choices and preparing meals safely. Being able to feed their self.

Organizing and taking medications: taking the appropriate medications and correct dosages on time.

Mobility/Transferring: being able to walk or being able to transfer oneself from the bed to the wheelchair and back with no assistance.

Toileting: using the restroom independently

Maintaining the home: doing housekeeping and laundry or making arrangements for the housekeeping and laundry to be done.

Managing finances: budgeting or paying rent and utility bills on time, etc.

Using transportation: being able to drive or use public transportation for appointments, shopping etc.

Shopping: being able to shop for groceries and other small necessities, and transport purchases from store to home.

If you have a loved one who is age 60 or older and needs help with 2 or more of the Activities of Daily Living, our firm may be able to help you apply for a program called Passport Waiver, which offers in home healthcare. Passport Waiver is an alternative program to help keep older adults safely and independently in their homes with quality services. Please call for an appointment to find out more.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person's situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.
The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement. If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

MEN: Start the New Year Right!

This infographic tells about the top killers men face during their lives and some positive steps to take to avoid them.  This New Year, start with a firm resolve to improve your health.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person's situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.
The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement. If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

Winter Safety Awareness Week with tips to prevent falls in wintry conditions

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COLUMBUS - Many parts of Ohio have already gotten a sneak peek at winter this year with early snow accumulations, cold temperatures and icy conditions. November 17-23 is Winter Safety Awareness Week in Ohio. One of the biggest risks from wintry weather is falling, particularly among older adults. Icy conditions make it harder to stay on your feet, and the cold may cause us to limit our activity, which can lead to loss of strength and balance.

To help you prevent falls this winter, STEADY U Ohio, the state's new falls prevention initiative, offers these tips:

  • Don't let winter send you slipping and trippingBundle up to stay warm but make sure you can see in all directions and move easily and freely.
     
  • Wear sturdy shoes or boots with treads, even if you're just going out to get the newspaper. (Submitted by Cindy Hintz, via Facebook)
     
  • Do some light stretching before you venture out; it will make you physically more able to prevent a fall.
     
  • Carry a small bag of salt, sand or kitty litter in your pocket or purse to sprinkle in front of you for traction on icy paths.
     
  • Avoid walking on surfaces that may be icy if you can. If you can't, slow down, shorten your stride, walk with feet pointed out slightly and knees gently bent to improve traction and balance. 
     
  • Snow can hide curbs and uneven surfaces. If you can't see where your foot will land, find another way.
     
  • Replace worn rubber tips on canes, walkers and crutches. Ask a mobility equipment dealer about winter canes or cleats you can add to existing equipment.
     
  • Dry off shoes, canes, crutches and walkers as soon as you get indoors. Wet shoes on dry surfaces are just as dangerous as dry shoes on wet surfaces.
     
  • If you are going out alone, carry a cell phone; know who you will call if you fall, and make sure that person knows what to do if you call.
     
  • Drink plenty of water to prevent dehydration, which can affect your balance as well as how your body responds to medication.
     
  • Ask your doctor or physical therapist about indoor exercises that can help you maintain strength and balance when you can't venture out.
     
  • Wear sunglasses to reduce glare from the sun and snow and ensure that you can see where you are walking.
     
  • Carry a cleaning cloth and stop immediately to clean your glasses if they fog up going from outdoors to indoors.
     
  • Ask your post office, newspaper and garbage collector about service options that might make it safer for you when conditions are bad.
     
  • When in doubt, don't risk it. Ask for help if you don't feel safe doing something.

 

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person's situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.
The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement. If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

Shedding Pounds after 50

By Janet Fickle

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Losing weight is a goal for many people regardless of age. Older adults who are overweight are at risk of damaging their overall health. After 50 years of age, muscle mass tends to dwindle while body fat begins to increase. Men and women willing to make some changes with their diet and exercise can lose weight.

Changing your diet in small ways, such as eating more low calorie foods like fruits, vegetables and whole grains will start you on the path to losing those unwanted pounds. Changing your eating habits isn’t easy, but once you start eating healthy, the benefits will soon become apparent.

Of course not only should we eat more healthy foods and less of the unhealthy foods, we should begin some type of exercise routine. After consulting with your health professional about the type of exercise

that is appropriate for you, begin regular physical activity. This helps muscles grow stronger increasing the chance of preventing a number of ailments such as heart disease and diabetes.

Older adults need at least 2 hours and 30 minutes of moderate -intensity aerobic activity, such as brisk walking, every week. Muscle strengthening activities include lifting weight, working out with resistance bands, push-ups and sit-ups that use body weight for resistance and Yoga. Gardening is considered a muscle strengthening activity.

Some dietary changes and routine exercise is all it takes to shed weight after 50 and keep the weight off once it’s gone. Obviously it takes some effort on our part, but it can be done.

Take one day at a time and begin a regimen that will gradually give you the ability to shed those unwanted pounds and begin a healthier life.

Source: Mt. Vernon News – Wrinkles & Laugh Lines.

While protecting your health and well-being is one of the more important things you can do, protecting your financial well-being is also very important. Come in to the offices of Cooper, Adel & Associates for a free consultation regarding estate planning, avoiding probate, protecting your families finances. Call to schedule a free consultation at one of our four office locations in Centerburg, Monroe, Sidney or wilmington.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person’s situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.

The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement.
If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

 

What is it going to cost? Who is going to pay?

By Roy Whited

Screen Shot 2013-09-04 at 9.40.57 AMThe information below was taken in part from the Ohio Department of Insurance news release of June 6, 2013 and a book by Nick J. Tate, Obama Care Survival Guide.

Health Insurance Costs to Increase Significantly Under Affordable Care Act
Plans filed with Department of Insurance Show Higher Costs for Ohio Consumers

COLUMBUS- The Ohio Department of Insurance released details of health insurance plans that insurers have submitted for approval to sell on the coming federal insurance exchange for Ohio. The Department’s preliminary analysis of the proposed plans for the individual market reveal that insurers expect the cost to cover health care expenses for consumers will significantly increase.

Based on a report released by the Society of Actuaries earlier this year, the Department estimated this increase is an average of 88 percent. While those costs do not specifically track with the premiums insurers charge individual customers, it is expected that these increases in costs will also translate to significant premium increases for many Ohioans.

In addition, there appears to be other bad news for seniors. Author Nick J. Tate’s book states that “According to the Congressional Budget Office- The non-partisan governmental agency that makes budgetary forecast- roughly 43 percent of the total $1 trillion dollar cost of Obama Care will come from cuts in Medicare spending over the next decade.”

Question: If 42 percent of $1 trillion is to come from cuts in Medicare spending, do you think that seniors will be getting more or less care?

Now, more than ever, individuals should consider developing a plan to protect and preserve their assets. For more information on this subject call the Cooper & Adel Law Firm and schedule a free consultation.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person’s situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.

The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement.
If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

 

What is Alzheimer’s Disease?

Screen Shot 2013-07-30 at 3.14.09 PMDementia is any loss of mental ability that is severe enough to interfere with the way you live your everyday life. Alzheimer’s is the most common type of dementia in older people. What happens when you develop this mental disorder? Brain cells gradually die, and you generate fewer chemical signals that help you function. Over time, memory, thinking, and behavior deteriorate. There is no know cause or cure. Some of the symptoms are: increasing forgetfulness, language problems, anxiety, changes in your personality, depression and difficulty making decisions and even the ability to recognize your loved ones. It is a heartbreaking disease that robs you of your ability to function.

No one can be sure they or a loved one will not develop this terrible disease. Don’t delay your estate planning until it is too late to be able to make the decisions that you will need to make about your financial future and your family’s. Cooper, Adel and Associates can guide you and help you be secure in the fact that you have taken steps to safeguard your family’s financial future. Call 1-800-798-5297 today to schedule a time for your free consultation at one of our four Ohio offices.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person’s situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.

The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement.
If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

 

The Effects of Obamacare on Labor Unions

By: Attorney Nathan Simpson

Screen Shot 2013-08-06 at 4.33.44 PMIn recent days, news outlets are reporting on a surprising unintended victim of Obamacare: Labor Union health plans. Forbes and The New York Times are reporting that Obamacare will have a drastic impact that Obamacare will have on both public and private sector labor unions, both traditional Democratic allies.

The law contains a hidden tax on so-called “Cadillac” health plans, which was sold to the American people as a tax on the health plans of high powered executives. What most Americans did not know was that it would have the biggest impact on regular, hard-working Americans such as teachers, first responders, or factory workers with union contracts. Over the past few years, unions negotiated increases in health benefits in place of monetary compensation. This was a win-win for employers and employees, who benefited from the preferential tax treatment of health benefits.

Under Obamacare, these benefits are now in jeopardy. Many of these plans qualify as “Cadillac” plans, and those that do not do so currently will in the near future. The definition of a “Cadillac” plans is not designed to keep up with the rising cost of health care. In tough economic times, employers both public and private will be unable to pay the Obamacare penalties to maintain quality health insurance plans, pushing employees to lower cost coverage options.

If you would like to learn more about how to protect yourself from the unintended consequences of Obamacare, contact Cooper, Adel & Associates today.

http://www.nytimes.com/2013/08/05/nyregion/health-care-law-raises-pressure-on-public-employees-unions.html?pagewanted=all

http://www.forbes.com/sites/theapothecary/2013/08/06/labor-unions-latest-problem-obamacares-cadillac-tax-harms-their-gold-plated-health-insurance-plans/

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person’s situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.

The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement.
If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

 

Physical Activity & Older Americans

Physical activity is an essential component to a healthy lifestyle. Nowhere is this more true than in the case of individuals over the age of 65. Older Americans are at higher risk for many health problems that activity can help prevent. Regular physical activity has been linked to a lower risk of coronary disease, colon cancer, diabetes, arthritis, high blood pressure, and obesity. Despite these obvious health benefits, current numbers suggest older Americans aren’t getting enough.

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DISCLAIMER – Every case is different because every case is different. This blog does not give legal advice. This blog does not create an attorney client relationship. You are not permitted to rely on anything in this blog for any reason. This blog is an entirely personal endeavor. Every person’s situation is different and requires an attorney to review the situation personally with you.
No attorney-client relationship is created by this site.

The use of the Internet, this blog or email for communication with this firm or any individual member of this firm does not establish an attorney-client relationship. Before we represent any client, the client and the attorney will sign a written retainer agreement.
If you do not have a written, signed retainer agreement with us, we are not representing you and will not be taking any action on your behalf.

 



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