新奥尔巴尼资产保护律师

我们计划与朋友聚会，计划外出度假, 但随着年龄的增长，我们中的许多人都推迟了自己的护理计划. Such an important issue may seem like an overwhelming prospect, but it doesn’t have to be.

咨询经验丰富的 新奥尔巴尼资深律师 能帮助你组织起来，确定你的目标，并为未来做准备吗. Whether you are years away from needing long-term care or al准备好了 have a loved one in a nursing facility, there are tactics and tools that can be implemented 帮助 protect assets from the high costs of such care.

为什么选择我们?

我们新奥尔巴尼的资产保护律师在 丘奇，兰登，洛普，巴内特·劳 have guided many people through the estate planning process efficiently and effectively. When you’re 准备好了 to discuss developing such a strategy for you and your family, we are here for you.

We understand the sensitive nature of these topics and are committed to providing each of our clients with personal attention. 虽然资产规划可能不容易谈论, we encourage you to speak candidly about your wishes so that together we can map out the best route possible for taking control of future healthcare challenges.

我们希望成为您信任的顾问，为您找到解决方案. 我们致力于帮助您快速和负担得起的尽可能. 我们将代表您，并确保您的愿望得到贯彻.

讨论你的情况和选择, 请致电(812)725-8224或填写我们的在线表格与我们的办公室bet9九州体育登录线路.

我们的新奥尔巴尼资产保护律师如何提供帮助

我们可以提供资产保护策略. There are some gray areas when it comes to asset protection laws within each state. 努力帮助客户在法律范围内工作, 各种各样的资产保护策略已经投入使用. 我们帮助您确定哪种策略最适合您的情况.

确定最佳策略, 我们考虑了你的经济状况, 因为这对你的资产有直接的影响. 当你检查你的财务状况时, 我们审查哪些属性可以被保护, 转移, 还被起诉了. This is why it’s critical to be honest about the entire situation and any litigation that could come about in the future. If we don’t have the proper knowledge of your current and potential future situations, 我们的资产保护律师无法实施正确的保护策略.

A 新奥尔巴尼 asset protection attorney may use a few strategies when working with you to determine which strategy is most effective.

有限责任公司

资产保护律师可能会建议, 如果你是一个企业主, 成立有限责任公司(LLC). Creating an LLC can protect personal assets from lawsuits or 债权人 who may attempt to take advantage of your business. There are some limitations when creating an LLC because it creates a separate identity for the business and its owners.

However, you are still liable for any debts that may occur from your company including 破产. 好消息是这些债务不会影响你的个人账户或家庭住房. If someone files a claim against your business, all your personal assets are protected.

责任保险

An asset protection attorney might recommend using liability insurance as a line of defense. 这个保险保护买方免于诉讼责任. 如果这不是你已经有的东西，我们绝对会推荐它. 责任保险是一种可以用于家庭和企业的策略.

退休帐户供款

Another strategy a 新奥尔巴尼 asset protection lawyer may recommend is to maximize the contributions you make to retirement accounts, 养老金计划, 等. 这是一个保护你的资产免受潜在诉讼和债权人侵害的聪明方法. 当你把钱存入这些账户时, it is not subjected to lawsuits or court judgments under federal Employee Retirement Income Security Act (ERISA) laws.

长期护理费用

长期护理的费用取决于包括地点在内的各种变量, 供应商使用, 以及所需护理的类型和持续时间. 例如, 一些护理机构有包罗一切的费用, 而另一些人则对超出基本设施的bet9九州体育登录收取额外费用. 一般来说，晚上出诊的健康助理费用更高, 在周末, 在假期里.

根据 美国老龄问题委员会，以下是你在印第安纳州全州范围内可能需要支付的费用:

• 每天235美元，或每年85,775美元，在养老院住一个半私人房间
• 每天279美元，或每年101835美元，在养老院住一个私人房间
• $3,693 per month for care in an assisted living facility (for a one-bedroom unit)
• 家庭健康助理每小时20美元
• 家政bet9九州体育登录每小时19美元
• 成人日间保健中心bet9九州体育登录费用为每天80美元.

肯塔基州的长期护理费用估计为:

• 每天241美元或每年87,965美元在养老院的半私人房间
• 每天265美元或每年95,265美元的私人房间在养老院.

为什么明智的决定很重要

无论你的年龄或你住在哪个州, you can benefit from making an informed decision on how best to preserve your independence, 你的家, 还有你的积蓄. 一旦你超过65岁, 你可以申请医疗补助, 由联邦政府和各州共同管理的福利项目. Medicaid kicks in 帮助 pay for nursing home care only for people who meet certain income and asset levels.

Among the many complexities of the Medicaid system is keeping up with all the changes including the allowed amounts, 每年都有变化. “回顾规则”是提前计划很重要的原因之一. 在这个规则下, eligibility for Medicaid may be denied if the person going into the nursing home 转移 assets for less than fair market value within 60 months before his or her application for Medicaid benefits.

Whether you are a single or a married Medicaid applicant, an assessment of your resources is made. 对于已婚夫妇来说, 账户是否以你或配偶的名义开立, 你所有的非免税资产都加起来了. 然后用这个数额来确定“配偶份额”,这是政府允许家庭配偶保留的金额. 如果申请人的资源或收入过高一分钱, 申请人将无法获得医疗补助.

在教堂，兰登·洛普 & 巴奈特，我们利用医疗补助的规定来帮你. Often, for a married couple with an at home spouse, we can preserve nearly 100% of your resources. For a single person applying for Medicaid benefits we can often save at least half of your resources. 记住，拥有一半总比一无所有好. 如果这个单一的医疗补助申请人是积极主动的, 我们通常可以保留他/她更多的资源. 因此，计划永远不会太早.

法律程序和协议

如果你没有合法的合同和程序, 你正冒着把你的资产丢给债权人的风险. 作为持牌专业人士, we can help draft these agreements for you and ensure you are following procedures correctly to keep assets safe. 当你有一个精心设计和深思熟虑的资产保护计划, 这是一个很好的工具，可以用来保护你自己和你的资产. A skilled asset protection attorney can use it as leverage to convince a creditor to settle out of court when needed. Even if a creditor attempts to get through your plan and goes through the expense of a lengthy trial, 这个计划可以保护你.

我们的资产保护律师回答常见问题

Below are a few of the most frequently asked questions answered by our 新奥尔巴尼 asset protection attorneys at CLLB.

If you have additional questions, bet9九州体育登录线路 our asset protection lawyers today at (812) 725-8224.

你还应该知道什么

Both outright asset transfers to family members or to a trust for the applicant’s benefit have advantages and disadvantages. 例如，直接的转移受制于人性的突发奇想. 这是, 你可能会和你把财产给他的孩子关系不好, 或者你的财产会被孩子的离婚吞噬, 破产, 债权人, 不良投资, 或者消费习惯.

另一方面, you do not have access to the money in a trust and the trustee cannot have any discretion to distribute trust principal to you, 否则校长将被视为医疗补助的资源.

While it is not illegal to structure one’s assets in an effort to qualify for Medicaid nursing home benefits, 出于这个原因隐藏资产是犯罪行为. 不确定有什么区别? 咨询我们的新奥尔巴尼老年律师. 他们可以建议你在法律允许的范围内可以做些什么.

今天bet9九州体育登录线路CLLB的新奥尔巴尼资产保护律师

无论你的处境如何，无论你对未来的希望如何, 新奥尔巴尼号, 教会的资产保护律师, 兰登, Lopp, Banet Law可以提供帮助. 我们了解这些问题，并可以指导您完成规划过程. 我们将与您密切合作，帮助您做出最好的决定.

我们与许多家庭合作过，我们期待与你们的合作. 为熟练和知识渊博的代表, 请致电(812)286-2735或填写我们的在线表格与我们bet9九州体育登录线路.

总部设在新奥尔巴尼, 印第安纳州, 我们自豪地为肯塔基州的社区bet9九州体育登录，包括, 但不限于, 杰斐逊县(肯塔基州), 弗洛伊德县(印第安纳州), 克拉克县(德州), 哈里森县(IN).

客户证明

”Very nice and professional with exceptional knowledge of the laws, courts and Judge’s in the area! 他们让我感觉很舒服，让我觉得一切都很容易. 加里和他的员工让我惊叹不已!!!——Poppy Cobb(谷歌评论)

律师史蒂夫·兰登

在印第安纳州和肯塔基州都有执业执照, 史蒂夫·兰登是一位经验丰富的老年律师和出庭辩护律师. 除了他的诉讼和审判工作, 史蒂夫的执业包括立遗嘱, 信托基金, 遗嘱认证, 医疗补助计划, 监护, 授权书, 以及高级指导计划, 包括生前遗嘱和医疗代理指定. [ 律师生物 ]

律师加里·巴内特

加里在印第安纳州和肯塔基州都有执业律师执照. 他专注于遗产规划, 遗产及信托管理, 遗产及信托诉讼, 监护, 老年人法和特殊需求规划. 加里赢得了他的J。.D. 来自路易斯维尔大学，路易斯D. Brandeis School of Law, and formerly practiced law at Bingham Greenebaum Doll and Wyatt, Tarrant & 库姆斯. [ 律师生物 ]