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Wednesday, August 5, 2020

8 Tips for Having 'The Talk' with Elderly Parents

Unless you’re certain your parents have an up-to-date will and a wider plan for what should happen in the event of their passing, you shouldn’t assume everything will be taken care of.

According to Read more . . .

Wednesday, July 8, 2020

July Temperatures and Heat Awareness

Due to the heat, July can be a particularly difficult time for the elderly, particularly those with chronic illnesses and/or those who take certain medications. The biggest dangers are heat exhaustion and heat stroke.

Here are some things to consider:

• Drink lots of cool water even when you’re not thirsty. You can dilute water with a 50/50 mix of natural fruit juices if you desire a change. Avoid alcoholic beverages, soft drinks, sports and energy ¬drinks, coffee, cola, and caffeinated drinks.

Read more . . .

Thursday, June 25, 2020

The Importance of Beneficiary Designations Matching Your Estate Plan

In a typical year, Severns & Howard usually sees during the summer months an increase in interest to establish or update their estate planning documents.  This could be due to the nice weather and the beginning of summer travels, timing of retirement, a health event that occurred for them or a loved one over the winter, or just finishing those spring to-do lists.  While this year has seen some changes in the above causes, we are still seeing an increase in interest to make sure that their estate plan is following their current final wishes. 

One service that Severns & Howard provides to our estate planning clients is to ensure that all assets follow the estate plan you set out in your documents.  Many types of property and investments pass outside of Read more . . .

Wednesday, June 10, 2020

Free Brain Games for Senior Citizens

Article by Senior Directory written by Rhianna DeVries

We’re all working hard to take care of ourselves and to stay happy and healthy while we’re staying home during the pandemic. But while we’re stretching out our legs on morning walks and eating nutritious meals, it’s important to remember to exercise one of our most vital organs: our brain. We all know that an apple a day keeps the doctor away, but what can we do to nourish our minds? These brain games for seniors will keep you alert and your brain on its toes—all while being entertaining.

Mahjong to try something new

There are hundreds of free brain games available online, from strategy and numbers to puzzles and words, there’s something to fit everyone’s tastes and moods. But if you’d like to try something a little different, you might like Mahjong.
Read more . . .

Friday, June 5, 2020

Four Ways the Coronavirus Pandemic May Affect Long-Term Care Insurance

The coronavirus pandemic has had a devastating impact on the elderly, particularly those in nursing homes and other long-term care facilities. This has raised questions about how the virus has influenced the costs and provision of long-term care insurance, which covers care in facilities and sometimes at home as well. 

If you have a long-term care insurance policy, you may wonder how it is affected by the pandemic. If you don’t have a policy, you may wonder if the pandemic will make it more difficult to get one. An article by Read more . . .

Wednesday, May 27, 2020

Pandemic Relief: Retirement Account Owners Do Not Have to Take Required Distributions in 2020

Retirement account owners, many of whose retirement balances have been pummeled by a stock market drop due to the coronavirus pandemic, do not have to take mandatory withdrawals this year. 

Federal law requires individuals who were age 70 1/2 before the end of 2019 to begin taking required minimum distributions (RMDs) from their retirement plan in April of the year after they turned 70. (Note that those who were younger than 70 ½ at the end of 2019 can wait until they turn 72 to take RMDs) The amount of the distribution is based on the value of the account at the end of the previous year, but the funds you withdraw are treated as taxable income in the year you take the distribution.
Read more . . .

Wednesday, May 13, 2020

Creative Strategies to Help Clients Safely Execute Documents During Pandemic

As the COVID-19 pandemic continues to spread through the country, more people are realizing the importance of getting their estate planning documents in order. Those over age 60 are particularly at risk for developing complications from the novel coronavirus infection. Having in place documents -- including a durable power of attorney, a health care proxy, a medical directive, a HIPAA release and a will -- is essential in the event that illness strikes.

Although planning one’s estate is a top priority, people don’t want to put themselves or others at risk while doing it. Elder law and estate planning firms across the U.
Read more . . .

Thursday, May 7, 2020

My Covid-19 "New Normal" Life by Katherine LaFollette

When the stay at home order took effect here in Indiana on March 23, 2020, I remember thinking that this was going to be so hard for a lot of people to do.  Not everyone likes to stay inside for long periods of time.  I remember going to the grocery store to get some much needed items and looking around in horror as the shelves were almost bare.  I have a two year old at home and I had to stop at three different stores before I found the size diapers my son wears.  I was always a homebody even before this, however, the only difference from then to now is that I couldn’t take my kids to the park or to the store with me.
Read more . . .

Thursday, April 30, 2020

How to Vote-by-Mail in the June Indiana Primary

The Indiana Primary election date has been moved to June 2, 2020.  By voting in the primary, you help determine what candidates will be on the ballot in November for your party, Democratic or Republican.   In addition, there are “Public Questions” on the Primary Ballot in Washington Township and Beech Grove in Marion County, that will decide whether these township schools will have adequate funding for future years. 

To vote by mail (absentee ballot) in the June 2, 2020 primary

  1. Check your registration and if you are not properly registered, register by May 4th.You can check your registration and register to vote at Read more . . .

Wednesday, April 15, 2020

Will the Stimulus Check Effect Mine or My Loved One’s Medicaid Benefits?

Many Americans have received or are about to receive a stimulus check from the IRS.  While the majority are thankful and rejoicing the assistance, those who receive Medicaid or have a loved one who receives Medicaid benefits to help cover their health care costs are concerned of the impact these stimulus checks might have on their Medicaid eligibility. 

The good news is that the stimulus checks will not affect your or your loved ones Medicaid benefits.   The stimulus checks are being treated as tax refunds.  Tax refunds are not considered income and are exempt as a resource for 12 months for all federal means tested programs, which includes Medicaid, Food Stamps, TANF and SSI benefits.
Read more . . .

Thursday, April 9, 2020

Hydroponic Gardening - How to Bring the Garden In by Katherine LaFollette

Are you like me and love to garden but don’t have enough yard space to do so?  Every year I want to plant some vegetables but my yard is too small.  I was searching the internet one night and I came across something absolutely fantastic…. Hydroponic gardening! 

In case you are like me and don’t know what hydroponic gardening is, hydroponics is a subset of hydroculture, which is a method of growing plants without soil, by instead using mineral nutrient solutions in a water solvent.  How is that possible?!  How can you grow plants without soil?  I was skeptical at first but then I continued to read.  It intrigued me so much that I spent a good portion of my night watching Youtube videos on how to create my own hydroponic garden.

Read more . . .

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| Phone: 317.817.0300

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