What to do if Medicare refuses to pay for your treatment

submitted by Garrett E. Gummer, III, Esquire and Maureen L. Anderson, Esquire, www.GummerElderLaw.com

Sometimes Medicare will decide that a particular treatment or service isn’t covered and will deny your claim. The good news is that if you believe you should have been paid, you can appeal.

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Funeral etiquette options

submitted by Jason “Oz” Oszczakiewicz, Owner/Supervisor, Varcoe-Thomas Funeral Home of Doylestown, Inc.

When it comes to funerals, weddings, births and other events that occur in our lives, we tend to take pause to remind ourselves of proper etiquette when offering our support toward a loved one, friend, co-worker or family member. This is an especially sensitive time in the event of a funeral.

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Divorce Q & A

submitted by Carla V. Risoldi, LLC, risoldilawoffices.com

Q. I pay child support through the court system. I recently changed jobs and make more money due to overtime. What are my obligations?

A. If you look at your support order, there is language requiring you to advise the court of any changes in your income. Also, all income counts, including overtime income. It is your obligation to contact the domestic relations section in the county where your order is entered and advise them of your new job and income. They will most likely schedule the matter for a conference to determine how the new income will affect the support that you owe. At the new conference, a calculation will be made to determine your new obligations. You should always bring an attorney to these conferences as there is much more involved than just plugging numbers into the support guidelines.

This is for general purposes only. You should always consult with an attorney before making any important legal decisions or signing any legal document.

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Scallops Provencale

submitted by Baci Ristorante Italiano

2 1/2 tablespoons olive oil

1 pound large sea scallops, patted dry

2 garlic cloves, sliced thin

1 tomato, diced

1/8 teaspoon dried thyme, crumbled

1/4 cup shredded fresh basil leaves

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How to manage someone else’s money

submitted by E. Garrett Gummer, III, Esquire, and Maureen L. Anderson, Esquire, www.GummerElderLaw.com

Have you been officially asked to manage someone else’s money?  For example, have you been named an agent under a power of attorney, or a trustee of a trust?

As our society ages, more and more people are being asked to take on these roles, but they can be daunting. In order to help, the U.S. Consumer Financial Protection Bureau has published four free guides, under the general title Managing Someone Else’s Money. The guides are designed for (1) agents under a power of attorney, (2) court-appointed guardians and conservators, (3) trustees of a living trust, and (4) people appointed to manage someone else’s government benefit checks.

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Transferring pre-arrangements to another funeral home

submitted by Jason “Oz” Oszczakiewicz, Owner/Supervisor, Varcoe-Thomas Funeral Home of Doylestown, Inc.

When families make pre-arrangements they will usually pre-fund them due to Medicaid eligibility and spend down requirements before a loved one is being admitted into a nursing home or assisted living facility.  Even though families select a funeral home they can still change to another firm prior to a death occurring or when a death occurs.  This means the monies can be transferred to a new firm if a family is not pleased with the previous level of service provided, ownership has changed or is now part of a larger corporate chain. There is also the case where families have moved outside the local area and wish to use a firm closer to immediate family members.

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How does one find a great contractor?

submitted by Gary Selleck, owner, C&C Family Roofing

Most homeowners feel completely helpless regarding home repair and improvements. They don’t know what they are looking at, how to repair it or even who to call. It’s at that point that the homeowner feels overwhelmed. Having a trusted and reliable contractor to answer those questions is invaluable. So how does one find a great contractor?

The most common mistake in choosing a contractor is assuming that all contractors are equal. Professionalism, product knowledge, trade knowledge, service and customer care are important. The second most common mistake is assuming that the size of their phone book ad means something. Wrong – they just have the most money to burn. The third most common mistake is using price to determine who is best. More expensive isn’t always the best.

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Life insurance policies can reduce Medicaid eligibility

submitted by E. Garrett Gummer, III, Esquire, and Maureen L. Anderson, Esquire, www.GummerElderLaw.com

To qualify for Medicaid in Pennsylvania, usually you can’t have more than $2,400 in “countable” assets. When calculating your total assets, many people overlook life insurance, which can count as an asset depending on the type of insurance and the value of the policy.

Life insurance policies are usually either “term” or “whole life.” Term policies won’t affect Medicaid eligibility because they don’t have an accumulated cash value. On the other hand, whole-life policies usually have a cash value that the owner can access, so they may be counted as an asset.

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Misperceptions about selecting cremation arrangements

submitted by Jason “Oz” Oszczakiewicz, Owner/Supervisor, Varcoe-Thomas Funeral Home of Doylestown, Inc.

When a family chooses cremation it does not limit their funeral choices.  There are several misperceptions that many families believe, but families can be just as creative as families selecting traditional arrangements.

While advertising makes it seem like direct cremation is the only choice, when you choose cremation you can have any kind of service or any kind of memorial you wish. That means you can have a traditional service and a cremation, direct cremation followed by a memorial service, a scattering and a permanent cemetery niche, or space in a cremation garden. A permanent place to remember loved ones fills an important need that a scattering just can’t.

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The price you pay for waiting

submitted by Gary Selleck, owner, C & C Family Roofing

Every day people make decisions on how they spend their money. Things like vacations, cars, schooling, home repairs, etc. Many of these things are very costly and can put a strain on one’s bank account. So you have to prioritize where the money goes.

In the world of home repairs there are a few projects that can be very costly. The roof is one of those things. But how does the average person determine the condition of their roof from the ground? The only way is to have someone look for the signs that the roof is failing or in disrepair.

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