PAID ADVERTISEMENT QA YOUR OPPORTUNITY TO ASK THE EXPERTS! MEDICARE INSURANCE CERTIFIED ELDER LAW ATTORNEY Q: I am 68 and finally enrolled in Part B Medicare effective July 1st. I had previously signed up for Part A when I turned 65 three years ago. I don't have any other health insurance and my employer doesn't provide it either. Can I get a supplemental plan now or do I have to wait until next year? My spouse is stubbon and refuses to meet with an attorney to prepare estate planning documents. Can I do this on my own? While it is preferable if both spouses plan together, one spouse can A: accomplish a great deal on his or her own. You can have a Will and powers of attomey prepared for you. If you make sure that all of your assets are jointly owned by both spouses, and make sure you are the primary beneficiary on the beneficiary designation forms for all of your spouse's fe insurance, annuities, IRA's and pension, you should be able to protect your interests. A: You must wait until the Annual Enrollment Period (Oct 15- Dec 7) to enroll into a Medicare Advantage Plan which would then be effective Jan 1st. Because you just got your Part B you are eligible for a Medigap Supplement Plan immediately. Please call me to talk about it further Michael Noppe Insurance Services LLC 1255 South Main Street Greensburg, PA 15601 800-800-1999 ext. 65 L. Christian DeDiana 724-219-3906 Certified by National Elder Law Foundation www.dedianaelderlaw.com SENIOR CARE ATTORNEY am thinking of filinga Social Security disabilty daim Ihave not worked for two- years DoI fave to tell my doctor everyching before I file a Social Secunity disability daim? Ireally do not want to because my problem is embarassing. My 77 year old mother moved into my home less than a year ago. Independence Day is coming up, and my kids are looking forward to our annual trip to the beach. Howevet, i can't leave my mother home alone for an entire week. What should I do? A: itis important that whenever you speak to doctors you tell then everything that is wrong with you If you are embanassed, then majbe you shoud rot be he problem is that if you do not have a fistory of dsclosing the problem medical the Social Seaurity Administration may not be able to legaly take vour word that a problem has existed One way of proving the existence of a problem is taking to vour family doctor tests being done such asx-rays to suppot the finding and appropriate opinions showing you met the Social Secuity restriction requirements to get beneits Just haing a problem does not mean you get benefis. You have to have restictions confiemed medicallyspported by the pecblem that are beleveble to the Social Security Adninistation. My recommendation is you speak to an amomey befone you apply for benefits and more importanty speak to your doctor you forget things it is best to write them down before you see the docto AActing as a full-time caregiver to a loved one can be extremely demanding and it can take over your life. You may wish to consider in-home care services to assist your mother with whatever she may need, which allows you to take a break to focus on other parts of your life. Please call Senior Helpers to learn more or schedule a free assessment Jon M. Lewis, Esq. Mears, Smith, Houser &Boyle, P.C 127 N. Main St. Greensburg, PA 15601 724-836-4730 Carol A. Trent, M.S. Senior Helpers 724-834-5720 RETIREMENT & IRA TAX PLANNING Ive recently remamied to a much younger wife and we have a newborn son. My chidren from my first wife, she passed several years ago, are in their late 30sI have inherited my wife's IRA and have a large IRA myself.I like the idea of having a trust be the beneficiary of these IRA's What do you think? Please Email Your Questions to asktheexperts@tribweb.com ACongratulations. 1 love your question and zest for living. I would lke at least two trusts set up Trust number one is the beneficiary for your wife's inherited RA with wfe number one's children as the beneliciaries. Trust number two would only have the newbom son as the only beneficiary You could name this trust for a percentage of your IRA and the remainder perhaps to your lovely new wfe The Pennsyhania house and Senate has just passed new legislation that eliminates inheritance tax to a child age 21 or younger so the two trusts would accomplish much and dlariy inheritance tax savings To be an Expert on This Page Please Call 724-853-5052 Sam White CPA member ED SLOTTS Master Elite IRA Advisor Group 101 North Main, Greensburg, PA 724-634-2255 Pmun- PAID ADVERTISEMENT QA YOUR OPPORTUNITY TO ASK THE EXPERTS! MEDICARE INSURANCE CERTIFIED ELDER LAW ATTORNEY Q: I am 68 and finally enrolled in Part B Medicare effective July 1st. I had previously signed up for Part A when I turned 65 three years ago. I don't have any other health insurance and my employer doesn't provide it either. Can I get a supplemental plan now or do I have to wait until next year? My spouse is stubbon and refuses to meet with an attorney to prepare estate planning documents. Can I do this on my own? While it is preferable if both spouses plan together, one spouse can A: accomplish a great deal on his or her own. You can have a Will and powers of attomey prepared for you. If you make sure that all of your assets are jointly owned by both spouses, and make sure you are the primary beneficiary on the beneficiary designation forms for all of your spouse's fe insurance, annuities, IRA's and pension, you should be able to protect your interests. A: You must wait until the Annual Enrollment Period (Oct 15- Dec 7) to enroll into a Medicare Advantage Plan which would then be effective Jan 1st. Because you just got your Part B you are eligible for a Medigap Supplement Plan immediately. Please call me to talk about it further Michael Noppe Insurance Services LLC 1255 South Main Street Greensburg, PA 15601 800-800-1999 ext. 65 L. Christian DeDiana 724-219-3906 Certified by National Elder Law Foundation www.dedianaelderlaw.com SENIOR CARE ATTORNEY am thinking of filinga Social Security disabilty daim Ihave not worked for two- years DoI fave to tell my doctor everyching before I file a Social Secunity disability daim? Ireally do not want to because my problem is embarassing. My 77 year old mother moved into my home less than a year ago. Independence Day is coming up, and my kids are looking forward to our annual trip to the beach. Howevet, i can't leave my mother home alone for an entire week. What should I do? A: itis important that whenever you speak to doctors you tell then everything that is wrong with you If you are embanassed, then majbe you shoud rot be he problem is that if you do not have a fistory of dsclosing the problem medical the Social Seaurity Administration may not be able to legaly take vour word that a problem has existed One way of proving the existence of a problem is taking to vour family doctor tests being done such asx-rays to suppot the finding and appropriate opinions showing you met the Social Secuity restriction requirements to get beneits Just haing a problem does not mean you get benefis. You have to have restictions confiemed medicallyspported by the pecblem that are beleveble to the Social Security Adninistation. My recommendation is you speak to an amomey befone you apply for benefits and more importanty speak to your doctor you forget things it is best to write them down before you see the docto AActing as a full-time caregiver to a loved one can be extremely demanding and it can take over your life. You may wish to consider in-home care services to assist your mother with whatever she may need, which allows you to take a break to focus on other parts of your life. Please call Senior Helpers to learn more or schedule a free assessment Jon M. Lewis, Esq. Mears, Smith, Houser &Boyle, P.C 127 N. Main St. Greensburg, PA 15601 724-836-4730 Carol A. Trent, M.S. Senior Helpers 724-834-5720 RETIREMENT & IRA TAX PLANNING Ive recently remamied to a much younger wife and we have a newborn son. My chidren from my first wife, she passed several years ago, are in their late 30sI have inherited my wife's IRA and have a large IRA myself.I like the idea of having a trust be the beneficiary of these IRA's What do you think? Please Email Your Questions to asktheexperts@tribweb.com ACongratulations. 1 love your question and zest for living. I would lke at least two trusts set up Trust number one is the beneficiary for your wife's inherited RA with wfe number one's children as the beneliciaries. Trust number two would only have the newbom son as the only beneficiary You could name this trust for a percentage of your IRA and the remainder perhaps to your lovely new wfe The Pennsyhania house and Senate has just passed new legislation that eliminates inheritance tax to a child age 21 or younger so the two trusts would accomplish much and dlariy inheritance tax savings To be an Expert on This Page Please Call 724-853-5052 Sam White CPA member ED SLOTTS Master Elite IRA Advisor Group 101 North Main, Greensburg, PA 724-634-2255 Pmun-