Short term Medicaid annuities approved by court

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

Recently, the United States Court of Appeals for the Third Circuit ruled that short-term annuities are a viable Medicaid planning tool for nursing home residents attempting to protect a portion of their resources and qualify for Medicaid benefits.

Many people believe that in order to qualify for Medicaid in a nursing home, you must deplete all of your resources. This is not correct. Medicaid annuities permit you and or/ your spouse to protect a significant portion of your resources.

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How to deal with a deceased loved one’s debt collectors

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

The last thing anyone wants after a death in the family is a call from debt collectors. It’s important to know what a person’s creditors can (and cannot) legally do, and how to protect yourself and your family from improper or deceptive practices.

Generally, after a person dies, their estate is responsible for paying any debts they may have left. Sometimes a decedent leaves more debts than assets. When this occurs, the estate is insolvent.

If this occurs, the creditor is out of luck and the debt goes unpaid.

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How to prevent heat stroke for your pet

submitted by Julie Thorndyke, D.V.M.. Medical Director, VCA Neshaminy Animal Hospital

As the ”dog” days of summer roll in, know pets can suffer heat stroke quickly, even in 80-degree weather.

Heat stroke is a term for hyperthermia or elevated body temperature. 103 F is considered abnormal, but body temperatures above 106 F (41 C) are critical. Without previous illness, high temperatures are often associated with exposure to excessive environmental heat.

The critical temperature when multiple organs fail and impending death occurs is around 107 to 109 F.

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Record retention recommendations

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

When downsizing or maintaining records, consider the following guidelines to manage your records:

Legal Documents: Estate Planning documents including Wills, Powers of Attorney, Trusts and Living Wills should be kept permanently in a secure environment, such as a safe deposit box or fireproof box. Keep the most recent documents and destroy any previous versions to prevent any confusion and inform your loved ones of the location.

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Water heater requirements changing on April 16th

submitted by Dave Peppelman Jr., Christian HVAC

On April 16th, 2015, there will be significant changes to water heater energy factor (EF) requirements as the result of updates to the National Appliance Energy Conservation Act (NAECA). These new requirements call for higher energy factor (EF) ratings on virtually all residential gas, electric, and oil water heaters, completely altering the water heater landscape. NAECA also affects some light-duty commercial water heaters.

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