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Do I need to revise my Will as the result of the Solar Eclipse?
Despite the excitement and importance surrounding the Solar Eclipse the answer is obviously no. Now that we got out of the way, here are...
Brian A. Raphan, Esq.
Apr 9, 20243 min read


10 Really Good Reasons to Create an Estate Plan Now
Estate Planning is for everyone regardless of their net worth. Below are 10 prudent reasons to create an estate plan now.
Brian A. Raphan, Esq.
Jul 19, 20223 min read

Update: New Remote Notary & Medicaid Deadlines
There are two important deadlines coming up for New Yorkers: July 5th, 2021, and January 1st, 2022.
Remote Notarization of documents and ...
Brian A. Raphan, Esq.
Mar 1, 20211 min read


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 facilitie
Brian A. Raphan, Esq.
Jun 10, 20202 min read


Why Not Just Use an Off-the-Shelf Power of Attorney Form?
There are many do-it-yourself power of attorney forms available; however, it is a good idea to have an attorney draft the form for you.
Brian A. Raphan, Esq.
May 1, 20203 min read


Medicaid isn’t just for Nursing Homes: #Homecare
Traditionally, Medicaid has paid for long-term care in a nursing home, but because most individuals would rather be cared for at home and...
Brian A. Raphan, Esq.
Mar 6, 20192 min read


2019 Guidelines Used to Protect the Spouses of Medicaid Applicants
The Centers for Medicare & Medicaid Services (CMS) has released the 2019 federal guidelines for how much money the spouses of...
Brian A. Raphan, Esq.
Jan 5, 20192 min read


Did You Know Choosing Retirement Account Beneficiaries Can Have Tax Implications?
Retirement Account Beneficiaries & Tax Implications
Brian A. Raphan, Esq.
Aug 4, 20184 min read


Article: Nursing Homes Routinely Mask Low Staff Levels
Via New York Times By Jordan Rau ITHACA, N.Y. — Most nursing homes had fewer nurses and caretaking staff than they had reported to the...
Brian A. Raphan, Esq.
Jul 8, 20187 min read


How to Protect an IRA From Heirs’ Creditors
When a person declares bankruptcy, an individual retirement account (IRA) is one of the assets that is beyond the reach of creditors, but...
Brian A. Raphan, Esq.
Jun 12, 20182 min read


Worst States If You’re Caring For An Aging Parent
Via FA-Magazine • HEIDI P. WERNER #7 In Survey New York State Some states make it harder for those caring for an aging parent, according...
Brian A. Raphan, Esq.
May 1, 20182 min read


How to Talk About Moving to a Retirement Home: ‘It’s a Journey’
Having a conversation about moving — whether it’s with a relative, even a spouse — brings up lots of anxiety. Here’s how to go about it....
Brian A. Raphan, Esq.
May 1, 20184 min read


Be Aware of the Kiddie Tax Before Leaving an IRA to Children
Grandparents may be tempted to leave an IRA to a grandchild because children have a low tax rate, but the “kiddie tax” could make doing...
Brian A. Raphan, Esq.
Sep 6, 20172 min read


State Properly Valued Sale of Medicaid Applicant’s Life Estate…
An Ohio appeals court rules that the state correctly valued the sale of a Medicaid applicant’s life estate using the specific state...
Brian A. Raphan, Esq.
Aug 31, 20172 min read


New Protections for Nursing Home Residents
New Obama-era rules designed to give nursing home residents more control of their care are gradually going into effect. The rules give...
Brian A. Raphan, Esq.
Jul 18, 20172 min read


4 things to put on your to-do list for retirement prep
You may think you need a long and complicated list of tasks to accomplish your retirement goal. But a good place to start is with these...
Brian A. Raphan, Esq.
Jun 23, 20164 min read


Online Retirement Planning Calculators Measure Risk Poorly, Study Finds
If you are retired or are nearing retirement, the main questions on your mind are probably “Will I run out of money in retirement?” and...
Brian A. Raphan, Esq.
Jan 8, 20162 min read


Maybe it’s time for a geriatric care manager
Why do we hear so much about geriatric care management these days? It’s because there are so many benefits they can provide to seniors...
Brian A. Raphan, Esq.
Oct 15, 20143 min read


Three Reasons Why Joint Accounts May Be a Poor Estate Plan
Many people, especially seniors, see joint ownership of investment and bank accounts as a cheap and easy way to avoid probate since joint...
Brian A. Raphan, Esq.
Oct 2, 20143 min read


State Can Recover From Entire Value of Property in Which Medicaid Recipient Had Life Estate
The Idaho Supreme Court rules that the state may recover Medicaid benefits from the entire value of a property that a Medicaid recipient...
Brian A. Raphan, Esq.
Sep 3, 20142 min read
Important news for seniors and their families
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