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Virginia Beach, VA (Law Firm Newswire) August 4, 2015 – Many aging retirees are considering spending their retirement years at a continuing care retirement community (CCRC). While such communities have several benefits, including access to lifetime care, and the ability to transition from independent living to an assisted living arrangement, or even a nursing home, all of which are located on the same campus, they are not without costs and risks. They tend to be expensive, and have large monthly fees. In one case, residents say they discovered that the facility lacked a reserve account for refunds, and they say […]


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Virginia Beach, VA (Law Firm Newswire) July 30, 2015 – There are many tax savings that are available to older families. Such tax breaks can be achieved in several areas, including work, car and home, estate planning, medical expenses and rental property. In terms of realizing savings at work, a hefty tax refund implies that an excessive amount of tax is being withheld from one’s paycheck. One can correct this by filing a new W-4 form with one’s employer. There are also savings to be had regarding the payment of medical expenses. Some employers offer a medical reimbursement account, or […]


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Virginia Beach, VA (Law Firm Newswire) July 21, 2015 – Family and friends of Alzheimer’s patients often play a key role in caring for and maintaining the quality of life of these vulnerable individuals. Even as caregivers value the opportunity to care for a parent or loved one in their final years, doing so also places an incredible strain on the caregiver, both physically and emotionally. In order to provide loving care while also managing other aspects of their busy lives, Alzheimer’s caregivers need care, too. “Millions of Americans provide care to loved ones suffering from Alzheimer’s disease,” said Andrew […]


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Virginia Beach, VA (Law Firm Newswire) July 15, 2015 – With the cost of nursing homes and in-home nursing care at an all-time high, many adult children and their parents are turning to living together as a way to save money and maximize the parent’s quality of life. Although such a move can be a positive change, it also represents a major adjustment, and preparing for the change as much as possible is important. “When seniors move in with their adult children, it can be a challenging transition for everyone involved,” said Andrew H. Hook, a Virginia elder law attorney […]


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Virginia Beach, VA (Law Firm Newswire) April 30, 2015 – Although long-term care insurance is beneficial for some people, purchasing such a policy also has notable downsides, including the high cost of premiums and the limitations on coverage. “People are living longer than ever and using long-term care for longer periods of time than in the past. So long-term care insurance has become very expensive, and the benefits are often inadequate,” said Andrew H. Hook, a Virginia elder law attorney with Hook Law Center, a firm located in Virginia Beach and northern Suffolk. Nursing home care can be prohibitively expensive, […]


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Virginia Beach, VA (Law Firm Newswire) April 23, 2015 – Many Americans purchase long-term care insurance to ensure that if they come to need nursing home or other long-term care, they will be able to afford it. Because long-term care insurance offers no active use until a health crisis develops, it is important for policyholders to stay on top of payments and to be aware of any changes to the policy. “In the months leading up to a real need for long-term care, seniors’ changes in health or mental state can sometimes lead them to fall behind on their insurance […]


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Virginia Beach, VA (Law Firm Newswire) April 10, 2015 – During retirement, seniors are typically operating on a much tighter budget than they were during their working years. This is especially the case when major life events, such as an early retirement or a health problem, have made finances tighter. Downsizing can be an important strategy for making retirement funds stretch farther, and there are a number of different methods. “It is important for seniors to evaluate their particular financial situation in order to make smart decisions about what should stay and what should be altered,” said Andrew H. Hook, […]


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Virginia Beach, VA (Law Firm Newswire) March 16, 2015 – As seniors age and develop health problems, changes to living spaces and new strategies for performing day-to-day tasks can facilitate aging in place. A project called Community Aging in Place, Advancing Better Living for Elders (CAPABLE) sought to prove the effectiveness of these strategies in keeping seniors at home. “Often, small changes to seniors’ current living situations can allow them to stay at home for months or years longer, even if they are facing a new health problem,” said Andrew H. Hook, a Virginia elder law attorney with Hook Law […]


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Virginia Beach, VA (Law Firm Newswire) March 9, 2015 – Women face a unique set of issues when preparing to retire, and their differences should be taken into account during retirement planning. “Women typically live longer than men, but they tend to have less money to work with in retirement,” said Andrew H. Hook, a Virginia estate planning attorney with Hook Law Center, which has offices in Virginia Beach and northern Suffolk. “However, there are some steps that women can take to help ensure that their resources last through their retirement.” On average, a woman earns 77 cents on every […]


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Virginia Beach, VA (Law Firm Newswire) March 3, 2015 – People who care for their aging parents or other relatives from a distance must overcome additional obstacles that require careful planning. “Caregiving can take many forms, and children who act as caregivers from another city or state often face high expenses and difficulty knowing when to intervene, on top of the usual burdens of caregiving,” said Andrew H. Hook, a Virginia elder law attorney with Hook Law Center. Increasingly, children who live hours away from their parents take on the responsibility of making health care and housing decisions for their […]


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Virginia Beach, VA (Law Firm Newswire) February 26, 2015 – When a parent becomes incapacitated and is no longer able to manage his or her own finances, a child or other caregiver needs to step in to pay bills and manage money and costs. Taking over a parent’s finances can be difficult, especially in the midst of the other challenges that families face during a loved one’s illness. “If you are taking over your parent’s finances, a systematic, structured approach to gathering information is a great starting point,” said Andrew H. Hook, a Virginia elder law attorney with Hook Law […]


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Virginia Beach, VA (Law Firm Newswire) February 19, 2015 – Whether at a slow or a fast rate, Alzheimer’s disease inevitably progresses, and patients lose their functional capacity. As this process occurs, caregivers are faced with a number of difficult decisions. “Alzheimer’s caregivers are faced with ensuring care for their loved one while also preserving his or her independence and quality of life as much as possible,” said Andrew H. Hook, a Virginia elder law attorney with Hook Law Center, with offices in Virginia Beach and northern Suffolk. One choice that often comes up relatively early is whether or not […]


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Virginia Beach, VA (Law Firm Newswire) February 12, 2015 – According to Andrew H. Hook, a Virginia estate planning attorney with Hook Law Center, having estate planning documents in place can help prevent problems from occurring as a person ages and after they pass away. “The goal of estate planning is to make sure that your wishes are followed if you become incapacitated or after your death,” said Hook. “A will, trust, power of attorney and advance health care directive are all important to have in place.” Hook said that a will is perhaps the most essential estate planning document. […]


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Virginia Beach, VA (Law Firm Newswire) February 3, 2015 – As medical technology advances, people with serious illnesses or advancing age are faced with a wide range of challenging decisions. Should mechanical ventilation be used to keep the patient breathing? Should a feeding tube be used to maintain nutrition? When should life-sustaining treatments be withdrawn? How aggressive should treatment attempts be? “With more than six million Americans living with chronic illness, and the number set to grow in coming years, palliative care plays an ever increasing role in maintaining the quality of life of people with chronic diseases, particularly older […]


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Virginia Beach, VA (Law Firm Newswire) January 26, 2015 – ]With a baby on the way, new parents should prioritize making a basic estate plan. An estate plan is one of the most important building blocks for a growing family. “In the midst of all the other changes associated with becoming a new parent, an estate plan is essential to protect your children in case anything should happen to you,” said Andrew H. Hook, a Virginia estate planning attorney with Hook Law Center, which has offices in Virginia Beach and northern Suffolk. An estate plan can ensure that children will […]


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Virginia Beach, VA (Law Firm Newswire) January 23, 2015 – Permanent life insurance policies can be used not just to guarantee income for one’s heirs in the case of untimely death, but to fund retirement. Policyholders can withdraw from the policy’s cash reserve in certain circumstances. “Using life insurance to fund retirement is not for everyone, but it can be a valuable strategy for people who have maxed out other retirement accounts and who can afford a policy,” said Andrew Hook, a Virginia elder law attorney with Hook Law Center, which has offices in Virginia Beach and northern Suffolk. Life […]


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Virginia Beach, VA (Law Firm Newswire) January 16, 2015 – It is often necessary for individuals to cut down on their expenses once they retire. Planning to reduce or cut out certain expenses can be an important part of a retirement plan, improving a person’s financial security without requiring them to cut out vital resources. “Many times, expenses that were reasonable while one was working do not make sense after retirement,” said Andrew H. Hook, a Virginia estate planning attorney with Hook Law Center, which has offices in Virginia Beach and northern Suffolk. Many people can save on transportation and […]


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Virginia Beach, VA (Law Firm Newswire) January 9, 2015 – As parents age, a wide range of challenging subjects arise, including the need to care for a parent with ailing health. The difficulty associated with these subjects and the changing nature of the relationship between older parents and their adult children can make communication a challenge. Learning how to talk to older loved ones about difficult subjects can help ensure that important issues are addressed and conflict is minimized. “How families approach these challenging subjects plays a big role in whether or not a resolution is found,” said Andrew H. […]


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Virginia Beach, VA (Law Firm Newswire) January 2, 2015 – Emotions can play a substantial role in making decisions about long-term care. Planning after seeing a loved one decline in health may drive some people to seek long-term care insurance, but they should also consider their finances rationally. “Planning for long-term care means accepting that your health may decline to the point that you can no longer care for yourself,” said Andrew H. Hook, a Virginia elder law attorney with Hook Law Center. Often, people avoid thinking about long-term care because they would like to believe that they will never […]


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Virginia Beach, VA (Law Firm Newswire) December 29, 2014 – Assisted living facilities are designed to provide residents with help with daily activities while allowing them to retain their independence as much as possible. As a person considers moving to an assisted living facility, he or she should thoroughly research the options in order to choose a facility that best meets all needs. “One of the most important things to consider is what kind of assistance you will need. Cooking, using the restroom, bathing, dressing, and managing medications are common areas of assistance,” said Andrew Hook, a Virginia elder law […]


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