| Dedication and acknowledgments |
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xv | |
| Preface |
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xvii | |
| Introduction: Planning for your future |
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xxi | |
| The demographic imperative |
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xxi | |
| Future shock, future anxieties |
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xxi | |
| Planning lessons from elder law |
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xxii | |
| Multiple strategies for survival |
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xxiv | |
| How to use this book |
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xxvii | |
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PART 1: PLANNING FOR YOUR HEALTH CARE NEEDS |
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1 | (60) |
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2 | (16) |
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2 | (3) |
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5 | (1) |
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Getting the medical information you need |
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6 | (2) |
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8 | (1) |
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8 | (1) |
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9 | (1) |
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10 | (1) |
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11 | (1) |
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How hospitals are organized |
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12 | (1) |
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13 | (3) |
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16 | (1) |
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Regulating doctors and hospitals |
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16 | (2) |
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Making health care decisions |
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18 | (11) |
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The emergence of patient rights |
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19 | (1) |
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20 | (3) |
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23 | (1) |
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24 | (1) |
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The Patient Self-Determination Act |
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24 | (2) |
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26 | (1) |
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27 | (2) |
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29 | (12) |
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30 | (1) |
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Activities of daily living (ADLs) |
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30 | (1) |
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31 | (1) |
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32 | (1) |
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32 | (1) |
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33 | (1) |
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34 | (1) |
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34 | (1) |
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Community-based services and care |
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35 | (1) |
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36 | (1) |
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How to evaluate a home care agency |
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37 | (1) |
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38 | (1) |
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39 | (1) |
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40 | (1) |
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41 | (20) |
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42 | (1) |
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42 | (1) |
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How to evaluate a nursing home |
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43 | (2) |
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45 | (1) |
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The nursing home contract |
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46 | (1) |
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Admissions and discrimination |
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46 | (1) |
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47 | (1) |
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47 | (1) |
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48 | (2) |
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Chemical and physical restraints |
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50 | (1) |
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Bed-hold and bed reservations |
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51 | (1) |
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52 | (1) |
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Resident's Bill of Rights |
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53 | (2) |
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55 | (1) |
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56 | (1) |
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56 | (1) |
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57 | (4) |
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PART 2: MANAGING AND PAYING FOR HEALTH CARE |
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61 | (52) |
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62 | (23) |
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63 | (1) |
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Enrollment (Part A hospital coverage) |
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64 | (1) |
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Enrollment (Part B medical insurance) |
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65 | (1) |
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66 | (1) |
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67 | (2) |
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Medicare and Alzheimer's disease |
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69 | (1) |
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70 | (1) |
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Deductibles and copayment |
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71 | (1) |
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Outpatient (ambulatory) care |
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72 | (1) |
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73 | (2) |
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Hospital costs and treatment |
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75 | (1) |
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76 | (1) |
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Expedited review before discharge |
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77 | (2) |
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Appealing a Medicare decision |
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79 | (6) |
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85 | (19) |
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Types of health insurance |
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86 | (1) |
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Policy terms and conditions |
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87 | (2) |
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Preexisting conditions and waiting periods |
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89 | (2) |
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91 | (1) |
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Checking the insurance company |
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92 | (1) |
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Filing an insurance claim |
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93 | (2) |
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95 | (1) |
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Continuing coverage when you stop working |
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96 | (2) |
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98 | (1) |
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Medigap supplemental insurance |
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99 | (4) |
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Medicare coverage when you're working |
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103 | (1) |
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Managed care, HMOs, and Medicare + Choice |
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104 | (9) |
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104 | (1) |
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105 | (1) |
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106 | (1) |
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106 | (1) |
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Enrolling in Medicare + Choice |
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106 | (1) |
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Medicare + Choice coverage |
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107 | (1) |
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Your Medicare + Choice rights |
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107 | (1) |
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Switching Medicare + Choice coverage |
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108 | (1) |
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Appealing an HMO decision---external review |
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109 | (1) |
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Appealing a Medicare + Choice plan decision |
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110 | (1) |
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111 | (1) |
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Assessing the Medicare + Choice program |
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111 | (2) |
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PART 3: FINANCING LONG-TERM CARE |
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113 | (42) |
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Medicare and long-term care |
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114 | (6) |
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Post-hospital care under Medicare |
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114 | (2) |
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Home health care under Medicare |
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116 | (3) |
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Medicare and hospice services |
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119 | (1) |
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Medicaid and long-term care |
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120 | (18) |
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121 | (1) |
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``Spending down'' for Medicaid |
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122 | (1) |
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123 | (1) |
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123 | (1) |
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Your home and other exempt assets |
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124 | (1) |
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Protecting spousal resources |
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125 | (3) |
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Protecting spousal income |
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128 | (1) |
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129 | (2) |
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Trusts and Medicaid planning |
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131 | (3) |
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134 | (1) |
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Appealing a Medicaid decision |
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135 | (1) |
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136 | (2) |
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138 | (7) |
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Evaluating the long-term care policy |
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139 | (3) |
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Public-private partnership policies |
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142 | (3) |
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Reverse mortgages, annuities, and life insurance |
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145 | (10) |
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145 | (2) |
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Qualifying for a reverse mortgage |
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147 | (1) |
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Loan amount and payment options |
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147 | (2) |
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Truth in Lending requirements |
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149 | (1) |
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Reverse mortgages and government benefits |
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150 | (1) |
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Finding a reverse mortgage |
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150 | (1) |
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151 | (1) |
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152 | (3) |
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PART 4: LIFE PLANNING FOR YOU AND YOUR FAMILY |
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155 | (92) |
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Advance directives for health care |
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156 | (34) |
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The three basic directives |
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157 | (1) |
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157 | (3) |
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Specific treatment instructions |
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160 | (2) |
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Instructions on nutrition and hydration |
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162 | (1) |
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``Do not resuscitate'' orders |
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162 | (2) |
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Physician responsibility and liability |
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164 | (1) |
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Living will statutes and legal formalities |
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165 | (5) |
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170 | (1) |
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171 | (1) |
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Appointing a health care agent |
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172 | (3) |
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175 | (1) |
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Surrogate and family consent |
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176 | (2) |
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Organ and tissue donation |
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178 | (2) |
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180 | (1) |
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Oregon Death with Dignity Act |
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181 | (2) |
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Supreme Court rulings on physician-assisted suicide |
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183 | (3) |
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186 | (1) |
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187 | (1) |
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188 | (2) |
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Property management systems |
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190 | (15) |
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190 | (1) |
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Durable power of attorney |
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191 | (1) |
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Springing power of attorney |
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192 | (1) |
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193 | (5) |
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Legal capacity and formalities |
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198 | (1) |
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199 | (1) |
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Revoking a power of attorney |
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200 | (1) |
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200 | (2) |
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202 | (1) |
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202 | (2) |
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Designating a representative payee |
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204 | (1) |
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Planning for the disabled child |
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205 | (8) |
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Services and entitlements |
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205 | (1) |
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206 | (2) |
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208 | (1) |
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208 | (2) |
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210 | (1) |
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211 | (1) |
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212 | (1) |
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Guardians and protective services |
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213 | (15) |
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214 | (1) |
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215 | (1) |
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216 | (1) |
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216 | (2) |
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218 | (1) |
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219 | (2) |
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221 | (1) |
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Alternatives to guardianship |
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222 | (1) |
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223 | (1) |
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224 | (2) |
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226 | (1) |
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Investigation and services |
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226 | (1) |
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227 | (1) |
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Wills and estate planning |
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228 | (19) |
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228 | (3) |
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Your will and estate taxes |
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231 | (1) |
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Bequests to spouses, children, and other family members |
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232 | (3) |
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Disposing of your personal effects |
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235 | (1) |
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236 | (1) |
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236 | (1) |
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237 | (1) |
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237 | (1) |
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Community property states |
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238 | (1) |
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Witnesses and other formalities |
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238 | (3) |
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241 | (1) |
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Renouncing an inheritance |
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242 | (2) |
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244 | (3) |
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PART 5: YOU AND YOUR TAXES |
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247 | (14) |
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Planning and tax implications |
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248 | (13) |
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249 | (3) |
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Using the lifetime exclusion and marital deduction |
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252 | (1) |
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Selected trust strategies |
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253 | (2) |
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255 | (4) |
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259 | (2) |
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PART 6: WORKING AND RETIREMENT |
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261 | (66) |
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Protections in the workplace |
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262 | (21) |
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Age Discrimination in Employment Act |
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263 | (1) |
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Your rights under the ADEA |
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263 | (4) |
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Americans with Disabilities Act |
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267 | (1) |
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268 | (4) |
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272 | (3) |
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Back pay and other relief |
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275 | (1) |
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Mediating employment disputes |
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276 | (2) |
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State discrimination laws |
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278 | (1) |
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Family and Medical Leave Act |
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279 | (3) |
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282 | (1) |
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Pensions, benefits, and IRAs |
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283 | (20) |
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ERISA---the law of pension plans |
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284 | (1) |
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Your right to participate |
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285 | (2) |
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287 | (1) |
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Receiving pension benefits |
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288 | (1) |
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289 | (1) |
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290 | (1) |
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Getting information on your pension |
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290 | (1) |
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Appealing a claim decision |
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291 | (1) |
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Pension plan terminations |
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292 | (2) |
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Benefits and welfare plans |
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294 | (1) |
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Changing employee benefits |
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295 | (1) |
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296 | (1) |
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IRA and retirement plan distributions |
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297 | (6) |
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Social Security and disability |
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303 | (24) |
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Social Security eligibility and benefits |
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304 | (2) |
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Retirement and early retirement |
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306 | (1) |
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Applying for Social Security benefits |
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307 | (1) |
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Working past retirement age |
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308 | (1) |
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309 | (1) |
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309 | (1) |
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310 | (1) |
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Social Security overpayments |
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311 | (1) |
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Social Security disability insurance |
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312 | (1) |
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Disability eligibility and benefits |
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312 | (1) |
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313 | (3) |
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Continuing disability review |
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316 | (1) |
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Supplemental Security Income |
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316 | (1) |
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317 | (1) |
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New transfer rules for SSI |
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318 | (2) |
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320 | (1) |
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320 | (1) |
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321 | (1) |
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321 | (1) |
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Appealing a Social Security decision |
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322 | (2) |
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Creditor protection for your benefits |
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324 | (1) |
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Your Social Security number |
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324 | (3) |
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PART 7: MEETING YOUR HOUSING NEEDS |
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327 | (28) |
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328 | (15) |
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328 | (1) |
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329 | (1) |
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329 | (3) |
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332 | (1) |
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333 | (1) |
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334 | (1) |
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335 | (1) |
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336 | (1) |
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Zoning and age discrimination |
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337 | (1) |
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337 | (3) |
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340 | (3) |
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343 | (12) |
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345 | (1) |
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346 | (1) |
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347 | (1) |
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Entrance fees and payments |
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348 | (1) |
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Housing and related services |
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349 | (1) |
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Social and support services |
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350 | (1) |
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Assisted living and nursing services |
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351 | (1) |
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352 | (1) |
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352 | (1) |
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353 | (1) |
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Regulating adult living communities |
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353 | (2) |
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355 | (8) |
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356 | (7) |
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356 | (1) |
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357 | (1) |
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357 | (1) |
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358 | (1) |
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358 | (1) |
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Legal problems of the elderly |
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358 | (1) |
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359 | (2) |
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Aging organizations and agencies |
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361 | (2) |
| Appendix I. Where to get information or help |
|
363 | (11) |
| Appendix II. State agencies |
|
374 | (22) |
| Index |
|
396 | |
Other versions by this Author