Meloro Law

What Families Get Wrong About Probate in Florida

Wed, 15 Apr 2026 14:55:24 GMT

More educational and clear Understanding the common misconceptions that can lead to costly mistakes for Florida families

Have you ever heard someone say probate is simple or something families can handle on their own? It is one of the most misunderstood parts of planning, and those misunderstandings can create stress at an already difficult time.

At Meloro Law, we often see how a lack of clear planning can make things feel overwhelming when loved ones are already navigating loss. Probate is not just a legal process. It is something families may face while trying to manage emotions, responsibilities, and important decisions all at once.

Many families believe probate is always required, but that is not always the case. Some assets can pass directly to beneficiaries depending on how they are titled. Without the right planning, however, probate often becomes necessary and can delay access to important resources.

Another common misunderstanding is that a Last Will and Testament avoids probate. In reality, it serves as a roadmap for the court, showing what you would like to happen, but it still must go through the probate process to be carried out.

Probate is also often expected to be quick and simple. Depending on the situation, it can take months and involve more steps than families anticipate. During that time, assets may be tied up, adding financial and emotional strain.

We know this blog may raise more questions than it answers. Understanding how probate works and planning ahead can help reduce uncertainty and give your family clarity when it matters most. Meloro Law is here to help you take those steps with confidence and care.

Before You Add a Name to Your Bank Account or Deed Read This First

Wed, 18 Mar 2026 15:45:57 GMT

Adding a loved one to your accounts or property may seem simple, but it can lead to unintended consequences that impact your legacy, your control, and your family’s future.

Have you ever been told that the easiest way to avoid probate is to simply add your child’s name to your bank account or deed? It sounds simple and practical. Many Florida families believe this small change will protect their loved ones and make things easier in the future.

However, adding someone as a joint owner can create serious unintended consequences. What seems like a shortcut may actually expose your assets to risk, disrupt your estate plan, and lead to family conflict. Before making that decision, it is important to understand what could happen.

Let us take a closer look at the hidden risks and understand why using proper legal tools such as durable powers of attorney and trust agreements is often the safer and more thoughtful approach.

Unintended Inheritance Outcomes

When you add someone to a bank account or deed as a joint owner, that asset may pass automatically to them at your death. This can override what is written in your last will and testament or trust agreement.

For example, if you have three children but add only one child to your account for convenience, that child may legally inherit the entire account. Even if they intend to share it, misunderstandings and disputes can arise. What was meant to simplify matters can unintentionally create tension within the family.

Creditor Exposure and Legal Risk

Joint ownership does not just give access. It also gives ownership rights. If the person you add is sued, going through a divorce, or has creditor issues, your assets may be exposed to their financial problems.

In Florida, this risk can be especially concerning when it involves real estate. Adding someone to your deed could subject your property to claims against them. That is a significant risk to take simply for convenience.

Loss of Control

Once someone is added as a joint owner, you may not be able to remove them without their consent. You also cannot fully control what they do with the asset. In the case of jointly owned real estate, refinancing or selling may require their cooperation.

What begins as an act of trust can limit your flexibility later.

Tax and Long-Term Planning Complications

Adding someone to your deed may also affect tax treatment and long-term care planning. There may be gift tax considerations or unintended consequences related to capital gains. It can also complicate planning for Medicaid Long-Term Care benefits.

Each decision should be made within the broader context of your full Florida estate plan, not as a standalone fix.

A Safer and More Strategic Approach

Rather than adding someone as an owner, many families benefit from naming an agent under a durable power of attorney. This allows a trusted individual to manage financial matters on your behalf without giving them ownership rights.

Similarly, a properly drafted trust agreement can provide structured instructions for how assets are managed and distributed. These tools are designed to protect your wishes while reducing unnecessary risk.

We know this blog may raise more questions than it answers. Decisions about joint ownership, durable powers of attorney, and trust agreements should always be made with careful consideration of your full financial and family picture. If you are thinking about adding someone to your account or deed, we encourage you to speak with our team first. Contact Meloro Law today to schedule a consultation and ensure your Florida estate plan supports your goals and protects the people you love.

When Caring Becomes Planning for the Future

Wed, 18 Feb 2026 13:32:31 GMT

Helping Families Turn Love and Concern Into Meaningful Legal Preparation

Have you ever found yourself in a position where helping a loved one became more than just a kind gesture? It often starts with small things like driving them to a doctor’s appointment or organizing their medication. Before you know it, you are coordinating care, managing finances, and making difficult decisions. This transition from love to responsibility is a common reality for many families.

For Florida families, stepping into the role of caregiver is not just emotionally complex; it also comes with legal and financial responsibilities. That is why it is so important to pair caregiving with thoughtful estate planning and long-term care preparation. When handled early, these tools can bring clarity and reduce stress for everyone involved.

The Importance of Having the Right Tools in Place

Taking care of a parent or spouse often means taking on responsibilities that require legal authority. Without the appropriate tools, such as durable powers of attorney and health care planning tools, even well-meaning family members can run into roadblocks when trying to manage medical decisions or access accounts. These tools ensure that you can act with legal authority when it matters most.

Understanding the Emotional Impact of Caregiving

Many caregivers face burnout, especially when roles shift suddenly due to a health crisis or diagnosis. Having a clear plan in place through a trust agreement or a last will and testament can ease the emotional burden. It helps ensure everyone is on the same page and that your loved one’s wishes are documented and respected.

Family Conversations Make a Difference

Starting the conversation about estate planning early allows families to plan together, rather than reacting in crisis. This might include discussing guardianship provisions, long-term care options, or updating beneficiary designations. These discussions may feel uncomfortable at first, but they are a powerful way to honor your loved one’s wishes and prepare for the future.

Florida Estate Planning Is a Gift for Your Family

Whether you are just beginning to take on more caregiving responsibilities or have been doing so for years, it is never too early to consider how estate planning fits into your family’s future. Florida law offers tools that can help caregivers manage care, protect assets, and create peace of mind for everyone involved.

At Meloro Law, we are here to guide you with care and experience. If you have questions about your planning or how to support someone you love through a difficult season, we invite you to reach out.

Finding Peace in the Final Chapter of Life

Tue, 20 Jan 2026 14:36:45 GMT

Thoughtful Planning and Conversations That Bring Comfort, Clarity, and Confidence

Talking about end-of-life care is never easy. Whether you are caring for an aging parent, facing a recent diagnosis in your family, or simply planning ahead, these conversations can feel overwhelming. Still, they are among the most important decisions a family can make. At Meloro Law, we believe that clarity and compassion go hand in hand when preparing for this stage of life.

When families have the right planning tools in place, they are better equipped to focus on what truly matters. From advanced health care planning tools to clear guidance on long-term care options, thoughtful legal planning gives families confidence and direction. Most importantly, it gives loved ones peace of mind during times that can otherwise feel uncertain.

Hospice and palliative care services can also play an important role in supporting individuals and families. These services focus on comfort, symptom relief, and emotional support. However, many families do not fully understand what hospice provides, the differences between hospice care and palliative care, or when it is appropriate to consider either option. Having clear information early allows families to make thoughtful, informed choices rather than feeling rushed or unprepared during a crisis.

Legal planning and compassionate care go hand in hand. Together, they help families honor their values, preserve dignity, and make informed choices. Having these conversations early is critical, before capacity is lost or health changes rapidly. Planning ahead gives families the opportunity to make decisions with intention rather than under pressure.

At Meloro Law, we are here to guide you with care and experience. If you have questions about your planning or how to support someone you love through a difficult season, we invite you to reach out.

The Most Meaningful Gift for Florida Families this Season

Mon, 15 Dec 2025 18:41:57 GMT

Creating peace of mind and protecting the people you love most

Have you ever found yourself wondering what kind of gift truly lasts? In a world full of gadgets and quick purchases, the most meaningful gifts are often those that come from a place of love, protection, and long-term impact. As we approach the holiday season, it may be time to think beyond the tradition and consider something lasting for your loved ones.

Whether you are looking for your own family or hoping to help the next generation get started, preparing a Florida estate plan is a gift that offers more than just convenience. It offers peace of mind, clarity, and security for the future. At Meloro Law, we believe there is no better time than the holidays to reflect on how we can protect the people we care about most.

Creating your own estate planning tools is one of the most thoughtful things you can do for your loved ones. It relieves them of uncertainty, prevents future confusion, and allows your wishes to be clearly understood and honored. When you have a valid last will and testament, trust agreement, durable powers of attorney, and health care planning tools in place, your family has the guidance they need to support you during life and beyond.

Estate planning is not just for older adults. Many young families and adult children are still navigating life without a plan in place. Helping them get started with their own planning can be a gift that sets them on the right path for years to come. Offering a Meloro Law gift certificate this holiday season could be a thoughtful way to show you care. Whether it is for a newly married couple, a recent parent, or a loved one with growing responsibilities, estate planning is a gift that truly gives back.

This time of year, brings us together with the people who matter most. It is a natural time to think about the future, share our hopes, and take steps to ensure our legacies are protected. Whether you are planning for yourself or giving the gift of planning to someone you love, now is the perfect moment to begin.

We know this blog may raise more questions than it answers. At Meloro Law, we are here to help Florida families plan with confidence and care. Contact us today to explore how our team can support your goals and bring peace of mind to your holiday season and beyond.

Planning for the Cost of Long-Term Care Before It Becomes a Crisis

Sat, 15 Nov 2025 22:26:28 GMT

Preparing your future with confidence and clarity

How would you pay for long-term care if you or a loved one needed it tomorrow? Most people are surprised to learn just how expensive it is to receive ongoing care in a nursing home, assisted living facility, or even at home. And for many Florida families, there is no clear plan in place to cover the costs.

Long-Term Care Awareness Month gives us an opportunity to talk openly about how to prepare. Whether you are planning for yourself or aging parents, understanding your options now can make a big difference later.

What Counts as Long-Term Care
Long-term care includes a broad range of services for individuals who can no longer manage everyday activities on their own. This might mean support with dressing and bathing, or full-time medical assistance. Depending on the setting and level of care, costs can range from a few thousand to over ten thousand dollars per month in Florida.

Relying on Private Pay Can Deplete Assets
Many people begin paying out of pocket because they believe they have no other option. This approach quickly drains savings and leaves few resources for spouses or loved ones. Without a clear plan, families may face tough decisions during an already stressful time.

Planning for Medicaid Eligibility Can Help
Florida Medicaid offers long-term care benefits, but qualifying is not automatic. Income and asset limits apply, and timing is important. The sooner you begin planning, the more options are available. Tools such as irrevocable trusts or properly structured spend-down strategies can help you qualify while preserving resources.

Estate Planning Documents Play a Key Role
Your estate plan is not just about what happens when you pass away. It is also critical to include durable powers of attorney and health care advance directives that give someone legal authority to act on your behalf. Without these, it may be difficult or even impossible for a loved one to help you apply for benefits or manage care decisions.

Now Is the Time to Prepare
The best time to plan is before a health event or care need arises. Working with an experienced elder law and estate planning attorney can give you peace of mind and a strategy tailored to your situation.

If you are wondering how you or a loved one will cover the cost of care in the future, we invite you to take the first step today.

At Meloro Law we help Florida families create long-term care plans that protect their resources and honor their wishes. Contact us today to schedule a consultation.

Three Ways to Protect Your Family Before the End of the Year

Wed, 15 Oct 2025 15:52:54 GMT

Practical estate planning steps to bring peace of mind before the year closes.

Have you taken time this year to review your estate plan or think about how your legacy will carry forward? With the end of the year quickly approaching, now is the perfect moment to pause and check in on your planning. It is easy to let the months fly by while juggling work, family, and life’s many demands, but your estate planning deserves attention too.

Whether your goal is to minimize stress for your loved ones, avoid unnecessary court involvement, or make sure your legacy is protected, reviewing your planning before the year closes can make a real difference. Let’s explore three meaningful steps you can take now to finish the year strong and start the next one with confidence.

1. Review your current estate planning tools

Take a few minutes to locate and review your core planning tools. These may include your last will and testament, trust agreement, durable powers of attorney, and health care planning tools. Are the people you named still the right choices? Do your wishes reflect your current circumstances, values, and priorities? Have there been any marriages, births, deaths, or other family changes since you last reviewed your plan? A quick review with your attorney can help make sure everything is still aligned with your intentions.

2. Update your beneficiary designations

Many people forget that certain assets, like retirement accounts, life insurance policies, and payable-on-death accounts, pass outside of your last will and testament or trust agreement. These types of assets rely entirely on the beneficiary designations you set up. Before the year ends, confirm that your beneficiary designations are up to date, coordinated with your estate plan, and do not accidentally create conflict or confusion.

3. Plan ahead for long-term care needs

Long-term care is one of the most significant financial and emotional considerations in later life. Even if you are healthy now, planning ahead can help you protect your assets and secure the right care should your needs change. Medicaid planning, long-term care insurance, and clearly outlining your wishes with your loved ones can all help reduce stress and avoid costly last-minute decisions. Your attorney can help you evaluate your options and build a plan that supports your goals.

We know this blog may raise more questions than it answers. That is a good thing. It means you are thinking ahead and taking your planning seriously. Our firm is here to guide you with compassionate legal support designed to protect what matters most. Let us help you get your planning in order before the year wraps up. Contact us today to schedule your year-end consultation and keep your family’s future on the right track.

Is Downsizing the Right Move for You This Year

Wed, 15 Oct 2025 15:48:36 GMT

Understanding how downsizing fits into your overall estate and care planning.

Have you been thinking about downsizing your home but are unsure whether now is the right time? Whether you are looking to simplify your lifestyle, reduce expenses, or move closer to loved ones, downsizing can be a smart step in the right direction. But just like any major decision, it requires thoughtful planning, especially when it comes to how this change might impact your Florida estate plan.

Many Older Americans choose to downsize later in life, often as part of a broader plan to age comfortably or reduce responsibilities. What many do not consider is how this transition could affect their long-term goals. Let’s explore a few things you need to keep in mind before making the move.

Downsizing your home is not just a real estate decision. It can directly impact your legal and financial planning. If your current home is titled in a trust agreement or included in homestead protections, those benefits do not automatically transfer to a new property. Your trust agreement, durable powers of attorney, or health care planning tools may need to be updated to reflect your new circumstances.

Selling your home could also result in a significant change in your assets. The proceeds might alter your eligibility for public benefits like Medicaid or shift your overall financial strategy. If you plan to use the proceeds to support your retirement or care needs, it is important to review how this affects your long-term care planning.

Many individuals who downsize are also planning to age in place or move into supportive living communities. This life transition is a great opportunity to review your health care planning tools and ensure they reflect your current preferences and needs. Consider whether your designated decision-makers are still the right people for your health care and financial matters and whether your estate plan fully aligns with your current goals.

We know this blog may raise more questions than it answers. At Meloro Law, we are here to guide you through every life transition, including downsizing. We will ensure that your estate plan continues to reflect your wishes and offers the protections you and your family deserve. Contact us today to schedule a consultation and learn how we can help you stay prepared every step of the way.

Three Ways to Protect Your Family Before the End of the Year

Tue, 02 Sep 2025 22:16:22 GMT

Simple year-end planning steps that can make a big difference for your family’s future.

1. Review your current estate planning tools

2. Update your beneficiary designations

3. Plan ahead for long-term care needs

Understanding the Role of Trust Agreements in Your Florida Estate Plan

Wed, 13 Aug 2025 21:24:16 GMT

How trust agreements can offer protection, flexibility, and peace of mind for Florida families

What exactly is a trust agreement and why does it seem like everyone is talking about it? If you have ever felt unsure about how trust agreements work or whether they are the right fit for your estate plan, you are not alone. Many Florida families are exploring their options and looking for reliable guidance.

The good news is that trust agreements are not just for the wealthy or complicated estates. They are flexible planning tools that can help you manage your legacy, avoid probate, and support your loved ones in a meaningful way. Once you understand how they work, you may find that a trust agreement is a natural fit for your planning goals.

Trust agreements come in many forms but generally serve to hold and manage assets on behalf of someone else. You can use a revocable trust agreement to maintain control of your assets during your lifetime and ensure a smooth transition after your passing. In contrast, an irrevocable trust agreement may be used to help with long-term care planning or to protect assets in specific situations.

For Florida families, trust agreements can offer the added benefit of avoiding the time-consuming and public probate process. This can be especially helpful if you own real estate, have minor children, or want to provide detailed instructions for how your assets should be managed over time. They are also useful when coordinating plans for blended families or supporting a loved one with special needs.

It is important to know that trust agreements are only one part of a complete estate plan. They work best when coordinated with your durable powers of attorney, your last will and testament, and your health care planning tools. A knowledgeable estate planning attorney can help ensure each tool works together to reflect your wishes and protect your future.

We know this blog may raise more questions than it answers. That is why our team is here to guide you through the estate planning process every step of the way. Whether you are just getting started or updating an existing plan, we invite you to contact us to schedule a consultation and create a plan that works for you.

Understanding How Medicaid Long Term Care Benefits Support Florida Families

bobbi@melorolaw.com (Bobbi Meloro) — Wed, 23 Jul 2025 18:40:17 GMT

Explore how Medicaid’s long-term care benefits can help protect your loved ones, preserve your assets, and support aging with dignity in the Sunshine State.

Have you ever wondered how you or a loved one would pay for long-term care if it became necessary? Whether you are concerned about staying at home with help, moving to an assisted living community, or transitioning to a skilled nursing facility, the cost of care can feel overwhelming. Many families in Florida face these questions every day as they navigate the realities of aging and chronic health issues.

Medicaid can be an essential resource that helps cover expenses and protect what you have worked hard to build. While it is common to think of Medicaid only as a program for nursing home care, the truth is that Medicaid for long-term care benefits can offer support in many different settings. Understanding how these benefits work can help you prepare with confidence and avoid last-minute crises.

Medicaid is a joint federal and state program that can pay for a wide range of long-term care services. In Florida, Medicaid benefits are often used to help cover the cost of care in nursing homes. However, the program also includes options to pay for in-home care or services in an assisted living facility. This flexibility allows older adults to receive the right level of help while staying connected to their community whenever possible.

One of the most important aspects of planning for Medicaid is understanding the eligibility rules. Medicaid has strict requirements about income and assets. Many people are surprised to learn they may not qualify without careful planning. This is why working with an elder law attorney is essential. A professional can help you use tools such as irrevocable trust agreements or a qualified income trust to protect your resources while meeting Medicaid guidelines.

Another important part of Medicaid planning is ensuring you have the right estate planning documents in place. Durable powers of attorney and health care planning tools give your chosen representatives the ability to make decisions and manage benefits if you become unable to do so. These documents should be prepared before a crisis happens so that your wishes are clear and your loved ones have the authority to help.

If you or someone you care about is thinking about applying for Medicaid to help cover long-term care costs, do not wait until you are in the middle of a care crisis. Early planning gives you more options and peace of mind. From protecting your home to arranging care in the setting that feels right for you, the right guidance can make all the difference.

We know this blog may raise more questions than it answers.

At Meloro Law, we are here to make sure your trust agreement delivers everything you intended for your family. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues, do not hesitate to call us today.

Where to Safely Store Your Estate Planning Documents During Florida’s Hurricane Season

bobbi@melorolaw.com (Bobbi Meloro) — Wed, 04 Jun 2025 23:26:23 GMT

Protecting Your Legacy When the Storm Rolls In

Are your estate planning documents ready for hurricane season? In Florida, preparing for severe weather often includes gathering supplies, securing property, and organizing emergency contacts. However, many families forget to ask one important question. What happens if you cannot access your legal documents when you need them most?

As storm season approaches, it is a good time to review how and where your estate planning tools are stored. Whether you have created a last will and testament, trust agreement, durable powers of attorney, or health care planning tools, keeping them safe and accessible is essential. These steps are not only helpful for hurricane season but are a smart way to stay prepared for any unexpected event.

Let’s explore five ways to safely store your estate planning documents for security and quick access.

Use a fireproof and waterproof home safe.
A high-quality safe that is bolted to the floor can protect documents from water, wind, and fire damage. Be sure to choose a model that is easy to access in an emergency and let your loved ones know where to find it.
Ask your attorney about digital copies.
While originals are important, having secure digital backups can be invaluable. At Meloro Law, we maintain digital files of client documents, so you can request a copy if needed during or after a storm.
Share copies with trusted individuals.
Your named agents, such as the person listed in your durable powers of attorney or your health care agent, should have copies of the relevant tools. This ensures they can step in quickly if needed.
Keep an emergency binder.
Organize key information in a binder that includes a list of your legal tools, document locations, and important contacts. Store this in an easy-to-grab location if you ever need to evacuate.
Avoid unsafe storage locations.
Filing cabinets, storage units, or boxes in the garage may be vulnerable to flooding or humidity. Choose your storage spot with Florida’s weather in mind.

We know this blog may raise more questions than it answers.

At Meloro Law, we support Florida families in creating estate plans that are both meaningful and practical. Whether you are just starting out or reviewing your existing plan, we are here to help you protect what matters most. Contact us today to schedule your consultation and make sure your estate planning tools are ready for hurricane season and beyond.

The Top 3 Ways National Elder Law Month Helps Your Family Plan for the Unexpected

bobbi@melorolaw.com (Bobbi Meloro) — Wed, 14 May 2025 17:17:21 GMT

Discover how awareness, guidance, and proactive planning can make all the difference for your loved ones.

At Meloro Law, we know that life often brings the unexpected, and that families who plan ahead are the ones who navigate change with the most confidence. That is why we are proud to celebrate National Elder Law Month and highlight the importance of thoughtful planning for Florida families.

Elder law planning is about much more than preparing documents. It is about building a roadmap that protects your loved ones, your assets, and your future, no matter what life may bring. Here are three important ways National Elder Law Month inspires families to plan for the unexpected:

First, it reminds us of the importance of proactive health care planning. With powers of attorney, health care surrogate designations, and living wills in place, families avoid court delays and emotional uncertainty during critical medical decisions. Planning ahead ensures your wishes are respected when it matters most.

Second, it highlights the value of asset protection and long-term care planning. Many families do not realize how quickly the costs of nursing home care or assisted living can impact savings. Elder law strategies, including Medicaid planning, can help families preserve their financial security while accessing needed care.

Third, it encourages families to have important conversations about legacy, guardianship, and estate distribution before a crisis arises. A thoughtful estate plan prevents misunderstandings, reduces conflict, and gives loved ones the clarity they need when navigating difficult transitions.

At Meloro Law, we proudly help South Florida families create elder law plans that bring peace of mind today, and strength for whatever tomorrow may hold. Planning is the ultimate gift of protection, dignity, and love.

This National Elder Law Month, we encourage you to start the conversation. Your family’s future deserves nothing less.

Facing Parkinson’s with a Plan; How Florida Families Can Prepare for the Road Ahead

bobbi@melorolaw.com (Bobbi Meloro) — Wed, 09 Apr 2025 13:33:01 GMT

What would you do if someone in your family was just diagnosed with Parkinson’s disease? Would you know where to start or how to protect what matters most? A diagnosis like this brings up a lot of emotions and even more questions, but it can also be the start of a strong plan for the future.

As you know, our law practice works hand in hand with Florida seniors, their loved ones, and many of their caregivers as they age. We see our clients and community members in all phases of life. In recognition of National Parkinson’s Awareness Month this April, we are focusing on how thoughtful planning can help families navigate this journey with greater clarity and support. While this blog highlights steps that can help after a Parkinson’s diagnosis, many of these strategies apply to any serious health issue and, when acted upon before a crisis sets in, can set the stage for a more peaceful transition.

There is no question that planning ahead empowers you to protect your care, reduce stress for loved ones, and make informed decisions before a crisis. It all starts with getting your ducks in a row. At Meloro Law, we understand that planning for long-term care is deeply personal. We help Florida families create legal strategies that bring peace of mind and security through every stage of care. Let us walk through some steps you can take now to start building a stronger plan for the future.

Understand the impact of long-term care. Parkinson’s is a progressive condition that may require increasing levels of care over time. From home-based support to skilled nursing facilities, long-term care can be physically, emotionally, and financially demanding. Understanding what care may be needed in the future is the first step to protecting your options.
Create or update your Florida estate planning tools. Every adult should have core legal tools in place, but a diagnosis makes it especially important. A durable power of attorney allows someone you trust to manage financial matters if you become unable to do so. Health care planning tools ensure your wishes are followed when it comes to treatment and care decisions. A trust agreement and a last will and testament work together to manage and distribute your assets as intended. These documents should reflect your current wishes and be reviewed regularly.
Review asset protection strategies. Long-term care in Florida can be expensive. Without the right legal protections, families may be forced to spend down assets to qualify for Medicaid. Planning ahead allows you to explore options such as irrevocable trust agreements that may help preserve assets while still meeting eligibility rules.
Plan early for Medicaid eligibility. Many families wait too long to think about Medicaid until a care crisis is already underway. By planning in advance, you can structure your resources in a way that supports eligibility while still protecting what you have worked for. At Meloro Law, we help clients explore Medicaid planning strategies that align with their goals.
Identify a trusted decision maker. If the time comes when you cannot make decisions on your own, having a trusted person legally designated to step in is critical. This includes naming agents in both your durable power of attorney and your health care planning tools. These decisions help avoid future disputes and ensure your preferences are followed.
Consider a trust agreement. A trust agreement can offer more flexibility and privacy than a last will and testament alone. It can also help avoid probate and allow for more direct management of assets during your lifetime and after. If you are concerned about protecting your estate or ensuring support for a spouse or family member, a trust agreement may be the right tool to include in your plan.
Review your beneficiary designations. Even the best estate plan can be disrupted if beneficiary designations on accounts are outdated or inconsistent. Reviewing retirement accounts, life insurance policies, and bank accounts ensures everything aligns with your overall goals and avoids unintended outcomes.
Address housing and future care needs. Where you live matters, especially when long-term care becomes necessary. Explore whether your current home will remain suitable as your needs change or if alternatives like assisted living or skilled nursing care may eventually be needed. These conversations can help you and your loved ones prepare in advance.
Communicate with your family. An estate plan is most effective when your loved ones know what to expect. Letting them know who is named in your documents, what your wishes are, and where important papers are kept helps reduce confusion and ease stress down the road.
Work with a Florida elder law attorney. Every situation is different, and planning for Parkinson’s or another serious condition requires thoughtful, personalized guidance. An experienced Florida elder law attorney can help you understand what tools are available, how to qualify for assistance, and what steps to take now to avoid costly mistakes later.

We know this blog may raise more questions than it answers. At Meloro Law, we are here to make sure your trust agreement delivers everything you intended for your family. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues, do not wait to call us today.

BOM’s Blueprint for Medicaid Success: The Value of an Elder Law Attorney

bobbi@melorolaw.com (Bobbi Meloro) — Fri, 28 Mar 2025 13:27:24 GMT

In the complex world of skilled nursing facilities, Business Office Managers (BOMs) face the dual challenge of maintaining fiscal health and ensuring quality care for residents. A holistic approach to Medicaid qualification—offered by an experienced elder attorney—can streamline processes and benefit both your facility and the families you serve.

Key Benefits of a Holistic Elder Attorney Approach

Dedicated Partnership with SNFs: Recognizing the critical role that skilled nursing facilities play, elder attorneys like Meloro Law prioritize SNFs, working closely with your team to facilitate prompt Medicaid qualification.
Comprehensive Legal Guidance: An elder attorney knows the Medicaid rules which paves the way for a smoother, more efficient approval process.
Holistic Family Support: By considering the needs of the families, an elder attorney adopts a comprehensive approach which leads to more sustainable outcomes and greater peace of mind for everyone involved.
Local Presence with a Personal Touch: Having a local presence is better for your families and allows them to meet with their attorney in-person if needed and to get their questions answered.

Taking a holistic approach not only supports your facility’s financial stability but also enhances the overall care experience for your residents and their families.

Discover how partnering with Meloro Law can transform your Medicaid qualification process. Contact us today to learn more about our tailored services for skilled nursing facilities.

Securing the Future - Special Needs Planning for a Loved One with Down Syndrome in Florida

bobbi@melorolaw.com (Bobbi Meloro) — Thu, 13 Mar 2025 15:39:08 GMT

Do you know why World Down Syndrome Day is recognized on March 21? The date, 3/21, represents the extra 21st chromosome that results in Down syndrome. This day is dedicated to supporting, educating, advocating, and celebrating individuals with Down syndrome while promoting inclusion and equal opportunities. It is also a time for families to consider the steps needed to secure a bright and stable future for their loved ones.

If you have a family member with Down syndrome, you may already be thinking about their future, who will care for them, how they will manage finances, and what legal steps need to be taken to protect them. Many Florida families rely on government programs like Supplemental Security Income and Medicaid to provide essential support, but without proper planning, an inheritance or financial gift could unintentionally disrupt those benefits. Special needs planning helps ensure long-term financial security while maintaining access to critical resources.

Why special needs planning is essential. Many individuals with Down syndrome depend on government benefits for health care, housing, and daily support services. However, these programs have strict income and asset limits. Without proper planning, receiving even a modest inheritance could cause a loved one to lose eligibility for these crucial benefits.

Special needs planning allows families to set aside funds to enhance their loved one’s quality of life while ensuring continued access to government assistance. The right legal tools provide financial security without putting essential support at risk.

How a Florida special needs trust can help. One of the most effective ways to protect a loved one’s financial future is through a special needs trust. This type of trust holds assets for an individual with disabilities without those assets being counted against eligibility for government benefits. Funds in the trust can be used for supplemental expenses such as medical care, therapies, education, housing, and recreation—ensuring a better quality of life.

There are different types of special needs trusts, including first-party, third-party, and pooled trusts. The right choice depends on the source of the funds and the family’s long-term planning goals. Consulting with an experienced elder law attorney helps ensure that the trust is properly structured to comply with Florida laws and provide maximum benefit to the individual.

Why guardianship and decision-making documents matter. When individuals with Down syndrome reach adulthood, families may need legal authority to help with financial, medical, and personal decisions. In Florida, this can be accomplished through guardianship, a durable power of attorney, and health care planning tools.

Every situation is unique, and some individuals with Down syndrome are capable of making certain decisions with the right support in place. Families should explore all available options to determine the best way to balance independence with necessary legal protections.

At Meloro Law, we are here to make sure your trust delivers everything you intended for your family. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for special needs planning, estate planning, or elder law issues, do not wait to call us today.

Show Your Love for Your Family by Planning for Their Future

bobbi@melorolaw.com (Bobbi Meloro) — Thu, 13 Mar 2025 12:56:37 GMT

Have you ever thought about how estate planning is one of the greatest acts of love? As we move into March, a time of renewal and fresh starts, it’s the perfect opportunity to ensure your family's future is secure. True care goes beyond daily gestures—it means protecting your loved ones, honoring your wishes, and safeguarding your assets. At Meloro Law, we help families get their ducks in a row—and their estate plans in order—so they can enjoy peace of mind knowing they are prepared for whatever the future holds.

Do you know why updating your Florida estate plan matters? There is no question life changes, and so should your estate plan. If you have recently married, divorced, had children or grandchildren, or lost a loved one, now is the time to review your documents. Unfortunately, many people create an estate plan once and assume they are set for life, but outdated plans can lead to unnecessary legal battles and stress for your family.

A well-structured Florida estate plan includes a last will and testament, a trust agreement, durable powers of attorney, and health care planning tools to ensure that your wishes are clear and legally enforceable. Without these protections in place, your loved ones may face complications in managing your affairs. Regular updates ensure that your estate plan truly reflects your current situation and goals.

Estate planning is only the first step, however. Next, to show your love, you want to plan ahead for the long-term care that can protect your family. There is no question that thinking about the cost of long-term care is never easy, but planning ahead can prevent significant financial and emotional burdens for your loved ones. Many Florida families assume they will never need nursing home care, only to find themselves scrambling when a crisis occurs. The reality is that long-term care costs are rising, and Medicaid eligibility rules are strict. Without proper planning, families may have to spend down their assets or risk losing financial security.

When you choose to work with an experienced Florida estate planning attorney who also focuses on elder law, you can create a plan that protects your assets while ensuring you qualify for benefits when the time comes. Accessing public benefits, such as Medicaid and the Medicaid planning that is needed can be complex, but the right legal strategies can help you preserve what you have worked so hard for while securing the care you may need in the future.

Estate planning can ease the probate process for loved ones. Losing a loved one is never easy, and a complicated probate process only adds to the stress. If you do not have a clear estate plan in place, your family may have to go through Florida’s probate system, which can be time-consuming and costly. Proper planning can help minimize probate or, in some cases, avoid it altogether. Using tools such as revocable living trusts, payable-on-death accounts, and beneficiary designations can help ensure that your assets are transferred smoothly. The more you prepare now, the easier it will be for your loved ones in the future.

At Meloro Law, we are here to make sure your trust delivers everything you intended for your family. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

Let’s Get Your Ducks in a Row with the Important Information You Need for the New Year

bobbi@melorolaw.com (Bobbi Meloro) — Wed, 08 Jan 2025 06:19:30 GMT

Did you know that the start of the New Year is the perfect time to reset, refocus, and tackle the important tasks that often get pushed aside during the busy holiday season? For many families that includes making sure their Florida estate plan is up to date, or creating one for the first time. In our experience an estate plan is not just about paperwork; it is about protecting your loved ones, honoring your wishes, and avoiding unnecessary stress during challenging times.

We know there is much to do when the New Year begins, but we can tell you that taking the time to review or create an estate plan now can help you start the year with confidence. Whether it is ensuring your assets are Florida probate-proof, updating your decision-makers, or planning for long-term care, addressing these areas early can provide peace of mind for you and your family. Let’s dive into what steps you should take to get your ducks in a row and set the stage for a secure future.

1. Update or create your Florida estate plan. Your estate plan is the foundation of ensuring your wishes are honored and your loved ones are cared for. If you already have an estate plan, the start of the year is the perfect time to review it. Have there been changes in your family, finances, or the law? If so, you and your experienced Florida attorney may need to update your legal planning to reflect your current wishes.

For those without a Florida estate plan, now is the time to create one. This proactive step can ensure your assets are distributed according to your wishes and minimize unnecessary delays or costs.

2. Make sure you are Florida probate-proof. One of the most common estate planning goals in Florida is avoiding probate, which is a time-consuming and often costly legal process. When you act now and work with your attorney to transfer your assets into a revocable or irrevocable trust agreement, you can ensure your loved ones avoid Florida probate. There is no question that action now can ensure everything is set up correctly to bypass probate when the time comes.

3. Ensure your decision-makers are who you need now. Who will make decisions on your behalf if you are unable to? Whether it is someone managing your financial matters or making health care decisions, it is crucial to review your designated decision-makers each year. Circumstances change, relationships evolve, people move, or health conditions arise; so it is essential to ensure that the individuals named in your power of attorney, healthcare directive, and other documents are still the right fit.

4. Plan for long-term care well before you need it. Most Florida seniors and their loved ones are surprised to learn that Medicare does not cover long-term care. Without a plan in place, the costs of skilled nursing homes, assisted living, or in-home care can quickly drain savings. Long-term care planning is about protecting your assets while ensuring you have access to quality care when you need it. There is never a wrong time to start this planning process to complement your estate planning.

When you choose to work with an experienced Florida estate planning and elder law attorney, she can help you explore options like long-term care insurance, Medicaid planning and eligblity, or trust agreements designed to preserve your assets while meeting eligibility requirements for benefits. Getting ahead of these issues now will save you and your family from financial strain later.

We know this blog may raise more questions than it answers and we want you to start the year with peace of mind. Trust us when we say that getting your ducks in a row does not have to be overwhelming. When you take action now you are giving yourself and your family the gift of confidence and security for the future. At Meloro Law, we specialize in helping Floridians create personalized plans that protect their families and their legacies. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

And do not forget to celebrate National Rubber Duck Day with us on the 13th this month! It is the perfect reminder to get your ducks in a row as we dive into 2025. If you would like to nominate a senior for our BOM program as well, please let us know, we would love to hear from you.

Don’t Let an Unfunded Trust Steal Your Peace of Mind This Holiday Season

bobbi@melorolaw.com (Bobbi Meloro) — Thu, 05 Dec 2024 06:30:03 GMT

The holiday season is a time for joy, reflection, and giving. If you have already taken the thoughtful step of creating a trust agreement as part of your estate plan, congratulations, you have given your family an incredible gift. However, there is a catch: a trust agreement is only able to work its magic if it is properly funded. Without that step, it is like an empty box under the tree, beautiful to look at but unable to deliver on its promise.

Often, many people think creating a trust agreement is the hard part, but the real work begins afterward. Funding your trust agreement, in other words transferring assets into it or naming it as a beneficiary, is the key to making sure your trust agreement works as intended. This holiday season, take the opportunity to get your ducks in a row and make sure your trust agreement is ready to do its job. We want to dive into why trust funding is such a meaningful gift for your family and what can happen if your trust agreement is left unfunded.

First of all, a trust is only as good as the assets it holds. Funding your trust agreement means transferring ownership of your assets, such as your home, bank accounts, and even life insurance policies, into the trust or naming the trust as a beneficiary. This step makes sure your assets are managed and distributed according to your trust’s instructions.

When your trust agreement is properly funded, it brings a world of benefits. Your loved ones can avoid the delays and costs of probate, and they will not have to worry about your financial matters becoming public. Your trust agreement can also ensure your assets are distributed exactly how you want; whether it is setting aside money for your grandchildren’s education, protecting assets from creditors, or providing for a spouse in a way that reflects your intentions. Proper funding is the gift that keeps giving, year after year.

An unfunded trust agreement, on the other hand, can cause unnecessary headaches for your family. Without assets transferred into the trust agreement, those assets remain outside its control. This means your family may still face probate, dealing with delays, extra costs, and even unintended outcomes.

For example, if you have created a trust agreement but did not transfer your home into it, your family may have to go through the probate process to handle or sell the property. That completely defeats one of the key reasons many people create a trust agreement in the first place. Worse yet, if assets are not properly aligned with your trust agreement, your state’s intestacy laws could decide who gets what, not the thoughtful instructions you left in your estate plan. Do not let the oversight of an unfunded trust agreement derail your family’s peace of mind; getting your ducks in a row now can save them from unnecessary stress later.

The holidays are all about giving, and there is no better gift than ensuring your trust agreement is fully funded and ready to do its job. Take time this season to meet with an experienced Florida estate planning and elder law attorney to review your trust. Together, you can make sure all your assets are properly titled, transferred, or designated to work seamlessly with your trust.

At Meloro Law, we are here to make sure your trust delivers everything you intended for your family. Let us help you double-check the details, update any documents, and give your loved ones the ultimate peace of mind. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

Important Estate Planning Conversations to Have With Your Parents During the Holidays

bobbi@melorolaw.com (Bobbi Meloro) — Sat, 09 Nov 2024 19:44:20 GMT

The holidays are a time for family, love, and celebration, but did you know that they can also be the perfect opportunity to get your ducks in a row when it comes to important matters like estate planning? While it may not seem like a festive topic, having conversations about your parents' estate plan during family gatherings can bring peace of mind to everyone. When approached with care, these discussions can help ensure your family is prepared for the future and prevent unnecessary surprises.

One of the most critical parts of estate planning involves health care directives. Asking your parents whether they have a living will or health care surrogate in place is a good starting point. These legal planning tools allow them to outline their medical wishes and designate someone they trust to make decisions if they are unable to do so themselves. Similarly, discussing a durable power of attorney is essential. This legal document allows someone to manage their financial affairs if they become incapacitated. Ensuring these two areas are addressed can prevent confusion and ease decision-making should an unexpected medical situation arise.

Another important topic is whether your parents have a current last will and testament or trust agreement. These documents are vital in ensuring that their assets are distributed according to their wishes. You might suggest that they review them with their experienced Florida estate planning attorney to confirm everything is up to date, especially if their circumstances have changed.

It is also a good idea to bring up the often-overlooked area of long-term care planning. Many families do not discuss this until it is too late, but by talking now, you can help your parents explore not only options for the type of long-term care they wish to receive but discuss how to pay for it. Be aware that there are options such as insurance or Florida Medicaid to help with the costs and by knowing in advance, they will be better prepared if the need arises.

In today’s digital age, many people forget about digital assets in their estate plans. If your parents have online accounts, digital assets, or social media profiles, it is important they include plans for how those will be managed or distributed. Alongside this, it is wise to ensure that their beneficiary designations on life insurance policies, retirement accounts, and other assets are current. Beneficiary designations can sometimes be overlooked but are crucial in making sure that the right people inherit these assets.

Estate planning is not just about the distribution of wealth; it is also about preserving values and family traditions. This is where legacy planning comes in. You might ask your parents if they have considered legacy planning, which could include charitable giving or setting up a trust to benefit future generations. On a similar note, family heirlooms and sentimental items can hold significant emotional value. By encouraging your parents to specify how they want these items distributed, you can help avoid family disputes down the road.

Lastly, discussing your parents' funeral or burial wishes, while difficult, can make a challenging time a little easier for the family. When you know what they want ahead of time it will allow for smoother planning when the time comes. Once you have touched on these important topics, it might be time to suggest meeting with an experienced Florida elder law or estate planning attorney. Your parents’ attorney can help ensure your parents’ estate plan addresses every necessary detail, leaving no stone unturned.

While it might feel awkward at first, estate planning conversations during the holidays can be one of the greatest gifts you give your family. By ensuring that all the ducks are in a row with the help of an experienced attorney, you can help your parents protect their legacy and bring peace of mind to the entire family.

We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The Top Ten Tips You Need About Medicare Open Enrollment Month

bobbi@melorolaw.com (Bobbi Meloro) — Wed, 09 Oct 2024 19:53:21 GMT

Did you know Medicare Open Enrollment is here? This means it is time to get your ducks in a row when it comes to your health care coverage. From October 15th to December 7th, individuals enrolled in Medicare have the chance to review, update, or switch their plans. This is the only time each year when you can make changes, and those decisions can have a tremendous impact on both your medical care and your finances.

For many seniors in Florida, Medicare is a lifeline, but navigating its complexities can feel overwhelming. Whether you are looking at prescription drug coverage or considering Medicare Advantage plans, it is essential to ensure that you have the best possible coverage for your needs. We know from our experience that with the right information and a proactive approach you can avoid surprises down the road and set yourself up for a healthier, more secure future.

At this critical time, working with an experienced Florida estate planning and elder law attorney can also help you protect more than just your health. While Medicare is a powerful tool for managing medical costs, it is important to recognize its limitations, particularly when it comes to long-term care. This Medicare Open Enrollment period is an ideal opportunity to get your entire health care and estate planning in order. Our team of estate planning and elder law experts are here to help you get your ducks in a row this Medicare Open Enrollment season and want to share ten key tips you will not want to miss right here on our blog.

1. Review your current plan. Take a detailed look at your current Medicare plan. Is it still meeting your health needs? Have you had changes in your health or prescriptions? By taking the time you need now to review your plan, you can help avoid costly coverage gaps in the year ahead.

2. Understand what Medicare covers. Medicare coverage can be confusing. While it covers hospital and medical costs, it does not cover long-term care. Be sure to familiarize yourself with the specific services covered under Medicare Parts A, B, C, and D to ensure you are not caught off guard later.

3. Compare available plans. Each year, Medicare Advantage and Part D prescription plans can change. It is essential to compare the options to see if a new plan offers better coverage, lower premiums, or reduced out-of-pocket costs. We recommend that you do not assume your current plan is still your best option.

4. Check prescription drug coverage. Prescription drugs are often one of the most significant health care costs for seniors. Review your Part D prescription drug plan to ensure that your medications are covered and that you are getting the best deal.

5. Be aware of scams. Medicare Open Enrollment is prime time for scammers targeting seniors. You want to be cautious of unsolicited calls or offers that seem too good to be true. Always verify information through trusted Medicare sources.

6. Seek assistance if needed. Navigating Medicare can be complicated. If you feel overwhelmed, reach out to a Medicare consultant or Florida’s SHINE program for free help. A Florida estate planning and elder law attorney can also provide guidance on how Medicare fits into your broader planning goals.

7. Watch for hidden costs. You need to know that not all Medicare plans are created equal. As you research, pay attention to deductibles, co-pays, and other out-of-pocket expenses that may not be obvious at first glance. These can add up quickly, so make sure your plan is affordable for your situation.

8. Know the deadlines. Medicare Open Enrollment closes on December 7. Missing this deadline means being locked into your current plan for another year, even if it no longer suits your needs. Be sure to mark your calendar to make the most of this opportunity.

9. Plan for long-term care. Again, it is crucial to understand that Medicare does not cover long-term care. If you foresee needing long-term care in the future, consider options like long-term care insurance or Medicaid. A Florida elder law attorney can help you navigate these choices and plan ahead.

10. Review your current Florida estate plan, or create your first one. While you are getting your Medicare coverage in order, this is also a great time to review your Florida estate plan. You want to make sure your health care planning that you develop with your estate planning attorney reflects your wishes. A well-coordinated plan ensures that all your ducks are in a row, no matter what life throws your way.

We encourage you to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

Meloro Law Celebrates Bobbi Meloro's 25th Anniversary This Month!

bobbi@melorolaw.com (Bobbi Meloro) — Fri, 06 Sep 2024 18:59:23 GMT

This September marks a significant milestone for Meloro Law as we proudly celebrate Attorney Bobbi Meloro's 25th anniversary with the firm! Can you believe that for a quarter of a century, Bobbi has dedicated herself to providing exceptional legal services in estate planning and elder law, earning the trust and respect of clients and peers alike? Please celebrate with us this month!

As a Florida attorney with deep roots in the community, Bobbi has consistently demonstrated her commitment to excellence. She has been recognized as a Florida Super Lawyer multiple years in a row, a testament to her outstanding legal abilities and ethical standards. Bobbi's dedication to her clients goes beyond legal solutions as she understands the challenges families face because she has walked in their shoes, navigating the complex issues of estate planning and long-term care for her own loved ones.

Bobbi's journey in law began at the University of Miami, where she earned her law degree, cum laude, in 1999. Her academic achievements, including serving as Editor-in-Chief of the Inter-American Law Review and winning the prestigious Robert Orseck Memorial Moot Court Competition, laid a strong foundation for her successful legal career. Prior to law school, she gained valuable experience working with a state-wide trade association in Boston, where she honed her skills in legislation and advocacy.

Bobbi's career is marked by numerous accolades, including the highest ratings from Martindale-Hubbell and Avvo. Her clients consistently give her 5-star reviews, praising her empathy, expertise, and commitment to helping them "Get Your Duck in a Row," as her signature phrase suggests. Whether it is preparing a trust agreement, navigating the complexities of Medicaid and long-term care planning, or ensuring Florida seniors receive the benefits they deserve, Bobbi approaches every case with the same level of care and dedication.

Beyond her professional achievements, Bobbi is a devoted wife, mother, and community volunteer. She moved to Plantation, Florida, in 1996, where she traded in her snow boots for flip-flops and embraced the Sunshine State as her home. Bobbi has spent decades giving back to her community, serving as a Girl Scout Leader and a church volunteer, all while raising three children and caring for her 87-year-old mother.

As we celebrate Bobbi's 25 years with Meloro Law, we reflect on the countless lives she has touched and the legacy she continues to build. Her unwavering commitment to her clients, her family, and her community is an inspiration to us all. Join us in congratulating Bobbi Meloro on this incredible milestone and in looking forward to many more years of excellence at Meloro Law!

Join Us in Welcoming Our Newest Attorney and Celebrating 50 Combined Years

bobbi@melorolaw.com (Bobbi Meloro) — Thu, 08 Aug 2024 14:45:33 GMT

Join Us in Welcoming Our Newest Attorney and Celebrating 50 Combined Years

We are thrilled to announce the addition of a new attorney to our team, marking a significant milestone in our firm’s history. Join us in welcoming Denise C. Brown, Esq., who brings a wealth of experience as well as a unique bond to our practice. A lifelong teacher and attorney, Denise is an amazing addition to our team. She and our own, Bobbi Meloro, Esq., share a remarkable journey that spans decades. Lifelong friends, they first met during their law school days and have since cultivated a deep, professional relationship. Their shared passion and commitment to the legal field have now brought them together under one roof, ready to serve you with unparalleled knowledge and dedication.

Both attorneys have 25 years experience each and, with Denise’s addition to our firm, we proudly celebrate a combined 50 years of expertise for you in our Florida community! We are also excited to announce that to better support you, our clients, our firm will now operate out of two office locations. This expansion allows us to provide more accessible and comprehensive services to meet your estate planning needs. Whether you are seeking guidance on elder law, long-term care planning, probate, or trust administration, our experienced attorneys are here to help.

Our firm is dedicated to offering personalized and compassionate legal services. With Denise joining our team, we are more equipped than ever to assist you in navigating the complexities of estate planning and elder law. Our goal is to ensure your peace of mind and to help you plan for the future with confidence.

We understand that planning for the future can be overwhelming, but it is crucial to get your ducks in a row when it comes to estate planning and long-term care. Our experienced attorneys are here to simplify the process and provide you with clear, actionable steps to ensure your wishes are honored and your loved ones are protected. Whether you are drafting a will, setting up a trust, or planning for potential healthcare needs and long-term care, or navigating the painful loss of a loved one, we are committed to guiding you every step of the way.

With 50 years of combined experience, our attorneys bring unmatched knowledge and insight to every case. We take the time to understand your unique needs and provide tailored solutions, ensuring personalized service for each client. Our two office locations make us more accessible, allowing us to better serve you. Our comprehensive support covers all aspects of estate planning, elder law, long-term care planning, probate, and trust administration. We invite you to join us in celebrating this exciting new chapter for our firm.

By taking the time to plan now, you can avoid unnecessary stress and confusion later. Our comprehensive Florida estate planning services are designed to give you peace of mind, knowing that your affairs are in order and your legacy is secure. We work closely with you to create a customized plan that reflects your values and goals, ensuring that you and your family are well-prepared for whatever the future may hold. Trust our dedicated team to help you get your ducks in a row and achieve the security and peace of mind you deserve.

Celebrate with us! We encourage you to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

What is Guardianship in Florida?

bobbi@melorolaw.com (Bobbi Meloro) — Mon, 22 Jul 2024 16:14:34 GMT

Guardianship is a legal process in Florida designed to protect individuals who are unable to manage their own affairs due to incapacity. This can include minors, adults with disabilities, or elderly individuals suffering from cognitive decline. While guardianship can provide necessary protection and care, it is also a process that involves significant court oversight, potential family disputes, and considerable expense. As your trusted estate planning attorneys, our firm aims to educate you on the intricacies of guardianship and the importance of advanced lifetime planning to avoid the need for court intervention.

Once an individual turns 18, they are considered legally independent, which means that parents or family members can no longer make decisions on their behalf without proper legal authorization. This makes it crucial for every adult to have advanced lifetime planning documents such as a durable power of attorney and a healthcare directive. These documents allow you to designate trusted individuals to make financial and medical decisions for you if you become incapacitated, thereby avoiding the need for a court-appointed guardian.

In Florida, there are two main types of guardianship: guardian of the person and guardian of the property. A guardian of the person is responsible for the personal care and well-being of the incapacitated individual, making decisions about their healthcare, living arrangements, and other personal needs. On the other hand, a guardian of the property manages the incapacitated person's financial affairs, including handling bank accounts, paying bills, and managing investments.

Guardianship can be a contentious and highly emotional process. It is not uncommon for family members to contest guardianship appointments, leading to legal battles that are both expensive and public. The court's involvement also means that the process can be lengthy and intrusive, with ongoing oversight and reporting requirements. This underscores the importance of proactive estate planning to minimize the risks and burdens associated with guardianship.

One of the best strategies to protect yourself and your loved ones from the complications of guardianship is to establish a trust-based estate plan. A trust allows you to outline specific instructions for managing your assets and personal care in the event of incapacity, providing a clear and private alternative to court-supervised guardianship. Additionally, a trust-based estate plan can help you avoid probate, ensuring a smoother and more efficient transfer of assets to your beneficiaries.

By taking the time to create a comprehensive Florida estate plan that includes durable powers of attorney, healthcare directives, and trusts, you can safeguard your autonomy and protect your loved ones from the potential challenges of guardianship and probate. Regularly reviewing and updating your estate plan is also essential to ensure it reflects your current wishes and circumstances.

At our firm, we understand the importance of advanced lifetime planning and are dedicated to helping you create a robust estate plan that provides peace of mind and security. We encourage you to schedule a consultation to discuss your estate planning needs and explore the best strategies to protect yourself and your family.

We know how confusing these conversations can be and want to help. While guardianship in Florida is a vital legal tool for protecting incapacitated individuals, it also comes with significant drawbacks, including potential family disputes, court involvement, and high costs. By proactively establishing advanced lifetime planning documents and a trust-based estate plan, you can avoid the need for guardianship and ensure that your affairs are managed according to your wishes. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

Ways to Ensure Your Most Valuable Asset Does Not Go Through Florida Probate

bobbi@melorolaw.com (Bobbi Meloro) — Sun, 09 Jun 2024 18:32:02 GMT

Is your home your most valuable asset? For many of our clients and friends, this is the case. Did you know, however, that if you do not take the proper steps to protect it, this valuable part of your estate could be at risk. In fact, without comprehensive estate planning, your loved ones could face the lengthy and costly process of probate after you pass away.

The Florida probate process can be a complicated and stressful ordeal, at a time that your family is already facing a challenging time. With careful planning, however, you can ensure your home and other valuable assets are smoothly transferred to your beneficiaries without unnecessary delays or expenses.

We know, however, that you may have questions about the Florida probate process. Probate is the legal process through which a deceased person’s assets are distributed to their heirs and beneficiaries. In Florida, probate involves validating the deceased's last will and testament, if one exists, identifying and inventorying the deceased's property, appraising the property, paying debts and taxes, and distributing the remaining assets according to the will or trust agreement, or state law if there is no estate plan in place. Unfortunately, this process can be time-consuming, often taking several months to over a year, and can be expensive due to court fees, attorney fees, and other costs. By avoiding probate, you can save your loved ones from these burdens and ensure a quicker, smoother transfer of your assets.

Let us share a few essential strategies that we tell all of our clients to keep your home out of probate in Florida. By following these tips, you can ensure that your loved ones are not burdened with the probate process and that your assets are distributed according to your wishes.

1. Create an estate plan or update your current one. To ensure your home does not get tied up in the Florida probate process, you need a current estate plan. An outdated or non-existent estate plan can result in unnecessary legal complications and expenses for your loved ones. By keeping your estate plan up to date, you ensure your wishes are followed and your assets are distributed efficiently. This includes regularly reviewing and updating your last will and testament, beneficiary designations, and other estate planning documents to reflect any changes in your life circumstances or the law.

2. Consider adding a trust to your estate planning. Trust-based estate planning is one of the most effective ways to avoid probate. By placing your home in a trust, you can bypass the probate process entirely. A revocable trust, for example, can allow you to maintain control of your property during your lifetime and smoothly transfer ownership to your beneficiaries after your death without the need for probate. Trusts can be customized to fit your unique needs and can provide additional benefits such as asset protection, privacy, and the ability to manage your assets if you become incapacitated.

3. Work with an experienced attorney. Navigating estate planning and probate laws can be complex, especially in Florida. Working with an experienced estate planning and elder law attorney ensures your plan is thorough and legally sound. An attorney can help you understand your options and implement strategies that best protect your assets. They can also provide valuable guidance on tax planning, Medicaid planning, and other considerations that may impact your estate plan.

4. Be aware of your real property in other states. If you own real property in states other than Florida, you need to be particularly cautious. Real property located in different states can trigger probate proceedings in each state where the property is located. This means your heirs could face multiple probate processes, increasing the time and costs involved in settling your estate. Proper planning, such as creating a trust that includes all your properties, can help avoid this issue. Additionally, you may need to consider ancillary probate procedures or work with attorneys in each state to ensure your estate plan is comprehensive and effective.

We know how confusing these conversations can be and want to help. Proper estate planning, including considering trust planning, and working with an experienced attorney, will provide peace of mind and ease the burden on your loved ones. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. Planning ahead not only secures your legacy but also ensures that your wishes are honored and your family is protected. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

With Long-Term Care Costs Rising Rapidly, Let Us Share Key Ways to Prepare

bobbi@melorolaw.com (Bobbi Meloro) — Tue, 21 May 2024 16:55:50 GMT

May is National Elder Law Month and this is a key time to turn our attention to the important issues impacting our senior population, including the rising costs of long-term care. Did you know that according to the Genworth Cost of Care Study which examines long-term care costs across the country, expenses related to in-home care, assisted living facilities, and nursing homes are climbing at alarming rates. This makes strategic financial planning more crucial than ever. As an experienced Florida estate planning and elder law firm, we know just how invaluable the guidance on these issues is for your and your loved ones and can help you navigate these challenges to secure your future.

In the realm of elder law, one of the most crucial steps is getting your ducks in a row as soon as possible when it comes to finding ways to pay for long-care. Procrastination can be costly in the world of long-term care, where prices are steadily increasing. Early planning not only helps mitigate the impact of these expenses but also provides more options for managing them effectively and having a plan in place, before a crisis happens. Whether you are looking into future needs for yourself or an aging loved one, starting early is key to aligning all necessary elements for financial security and quality care.

You will want to start by understanding the rising costs of long-term care in America. The Genworth Cost of Care Study provides a clear picture of just how expensive care has become but you may have questions on what type of care you need. Let us share a few examples right here:

In-Home Care. This may be necessary for seniors who wish to remain in their homes but require assistance with daily activities. Costs have increased significantly, often making it a heavy financial burden.
Assisted Living Facilities. Can offer a middle ground between independent living and nursing homes but come with escalating costs that can impact long-term financial planning.
Nursing Homes. The type of care that providers give their residents is extensive because they need round-the-clock assistance. These facilities represent the highest cost of care, with expenses that can deplete savings rapidly.

An elder law attorney can help you prepare in a number of ways. First, they can assess your personal financial situation and help develop a plan that accounts for these rising costs as well as what you need for your unique situation. This might include investment in insurance products, legal strategies to protect assets, or planning for Medicaid eligibility without sacrificing your entire estate. In fact, with the complexity of public benefit programs like Medicaid, having an expert attorney guide you through the process is crucial. Your attorney can help ensure that you maximize the benefits available to you, which can significantly offset the cost of long-term care.

It is crucial that you do not forget the importance of estate planning as well. Comprehensive estate planning includes preparing for potential long-term care needs. Your elder law attorney can help ensure your estate plan is up-to-date, reflecting your wishes and the need for potential future care costs. Remember, the best time to plan is before you think you need to. Engaging with an elder law attorney early allows you to explore all options without the pressure of immediate need.

Even if you have not planned in advance, however, it is never too late to start. In situations where long-term care is suddenly needed, an elder law attorney can swiftly put together a plan to manage costs and care effectively. Your attorney is keeping abreast of changes in costs and law that could affect your planning at any stage and will be ready to help you and your loved ones navigate a long-term care or health care crisis.

As we observe National Elder Law Month, and throughout the year, let us remember the importance of being prepared for the future. With long-term care costs rising rapidly, proactive planning is not just an option it is a necessity. An elder law attorney is your best ally in this journey, providing the expertise and resources needed to navigate this complex area. Whether you are planning for yourself or for an aging loved one, the right legal guidance is key to securing a safe and stable future.

We know how confusing these conversations can be and want to help. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

What You Need to Know About Florida Probate and How to Avoid It

Wed, 03 Apr 2024 10:45:00 GMT

There is no question navigating the complexities of estate planning can be a daunting task for many Floridians. With an array of legal tools and strategies at your disposal, understanding how each element fits within your estate plan is crucial and we are here to help. When we discuss these with our clients, the concept of probate often emerges as a central point of concern.

What is probate? Probate is the legal process through which your assets are distributed after your death and it can be lengthy, costly, and lack privacy. What many do not realize, however, is that this process can often be minimized or altogether avoided with proper planning and foresight.

It is important to know that in Florida, as in many states, a last will and testament, while an essential part of any estate plan, does not exempt your estate from going through probate. In fact, it guarantees it. This is because assets solely owned by you at the time of your death need to be officially transferred to your beneficiaries through the probate court. While this might sound straightforward, probate comes with its own set of challenges that can impact your loved ones long after you are gone.

But there is good news. By understanding the intricacies of Florida's probate process and exploring the estate planning tools available to you, such as trust agreements, you can take significant steps toward safeguarding your assets and ensuring they are passed on according to your wishes, without unnecessary interference from the courts.

While having a will is better than having no estate plan at all, it is crucial to understand that a will serves as a one-way ticket to the probate court. The probate process is designed to ensure your will is authenticated, debts are paid, and assets are distributed according to your wishes. Unfortunately, probate is often costly, public, and time-consuming. The costs associated with probate can significantly diminish the value of the estate you leave behind, as legal fees, court costs, and other expenses are taken from the estate's assets. Furthermore, probate proceedings are a matter of public record, meaning the details of your estate can become accessible to anyone. This lack of privacy can be concerning for many families. Moreover, probate can be a lengthy process, sometimes taking months or even years to conclude. This delay can place a burden on your loved ones, both emotionally and financially.

Fortunately, there is a way to avoid the pitfalls of probate: establishing a trust agreement. Unlike a will, a trust allows you to retitle your assets to the trust itself, effectively ensuring that these assets are no longer owned solely by you at the time of death. This retitle of assets means that upon your passing, the distribution of these assets can occur outside of probate, under the terms you have set forth in the trust agreement. Trusts offer a more private, efficient, and often less costly way to transfer assets to your beneficiaries, which means your loved ones can avoid the public scrutiny, expense, and delays associated with probate.

It is also important to note what happens if you do not have an estate plan: the state has one for you, known as the intestacy statute. If you die without an estate plan, your assets will be distributed according to this statute, which may not align with your wishes. This one-size-fits-all approach does not consider your unique family dynamics or your personal preferences for asset distribution.

Keep in mind estate planning is not just for the wealthy; it is a necessary step for anyone who wishes to ensure their assets are distributed according to their wishes, without the unnecessary burden of probate. By understanding the implications of Florida's probate process and utilizing tools like trust agreements, you can provide a more secure, private, and efficient inheritance for your loved ones. Choosing to meet with an experienced Florida estate planning attorney can also help you navigate these decisions and create a plan that best suits your needs and goals.

The post What You Need to Know About Florida Probate and How to Avoid It appeared first on Meloro Law .

Key Tips for Estate Planning When a Loved One Has Down Syndrome

Wed, 06 Mar 2024 16:35:00 GMT

Estate planning is a fundamental aspect of ensuring security and peace of mind for any family. When it comes to families with a loved one who has Down Syndrome, however, the process takes on an added layer of importance and complexity. The unique needs and challenges faced by individuals with Down Syndrome necessitates early, thoughtful, and comprehensive planning strategies that go beyond the basics in Florida.

As Florida estate planning and elder law attorneys, we know such planning is crucial not only for protecting the financial future of your loved one but also for ensuring their ongoing health care, personal well-being, and the ability to enjoy a life of dignity and fulfillment. It involves a delicate balance of legal considerations, financial planning, and the personal desires and needs of the individual with Down Syndrome. As we celebrate World Down Syndrome Awareness Day this month, we want to help educate others on the importance of starting this process early. When families start early, they can navigate the intricate landscape of legal and financial planning to create a robust support system that empowers their loved ones to lead fulfilling lives.

Early estate planning is critical in providing for the long-term needs of a loved one with Down Syndrome. It ensures that your resources are in place to support their quality of life and healthcare needs as they age. While we want to start the planning process early for them as well, it is important that you are working with your Florida estate planning attorney to ensure that the plans you make will not accidentally jeopardize their access to public benefits that can help support them throughout their lifetime.

A Special Needs Trust (SNT) is an essential tool in estate planning for families with individuals with Down Syndrome. This type of trust allows you to set aside assets for the loved one’s benefit without jeopardizing their eligibility for government assistance programs such as Medicaid or Supplemental Security Income (SSI). An SNT can be tailored with your attorney to provide for various needs, including medical expenses, caregiving, and even recreational activities, ensuring a loved one's well-being is maintained without financial strain. There is much more flexibility and protection than a last will and testament alone is able to provide.

Additionally, as a part of your Florida estate plan, you want to select trustworthy guardians and trustees who share your vision for your loved one’s care. It is also important to regularly review and update your estate plan to reflect changes in laws, family dynamics, and your loved one’s needs with your attorney. While financial protection is a significant aspect of estate planning for you and your family, considering the holistic needs of a loved one with Down Syndrome is equally important. This includes planning with them when you can, for healthcare, living arrangements, and personal care. Understanding the full scope of your loved one’s needs will guide you and your attorney in creating a comprehensive plan that covers all aspects of their well-being. If they are able to, creating their own Florida estate plan as soon as possible can be a vital part of their success and ensure they are always protected.

You will want to discuss with your attorney whether or not your loved one with Down Syndrome can establish a durable power of attorney (DPOA) and health care planning documents. Just like your legal planning, this would allow them to appoint someone they trust to make decisions on their behalf should they become unable to do so. These legal tools are crucial for managing health care decisions and financial matters seamlessly. By creating these estate planning tools early, you may be able to avoid the need for guardian advocacy, a more restrictive and sometimes cumbersome legal process.

Estate planning for a loved one with Down Syndrome is a multifaceted process that requires careful consideration and early action. By focusing not just on financial security but also on their healthcare and personal needs, families can create a supportive environment for their loved ones. When you work with your Florida estate planning attorney to utilize tools such as a Special Needs Trust you can ensure that individuals with Down Syndrome are protected and have the resources they need to thrive.

We know how difficult these conversations can be and want to help. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Key Tips for Estate Planning When a Loved One Has Down Syndrome appeared first on Meloro Law .

The Single Most Important Estate Planning Document You Need

Mon, 05 Feb 2024 08:00:00 GMT

When you are contemplating Florida estate planning, what comes to your mind first? Often, people first think of wills or trusts as the cornerstones of estate planning. These are undoubtedly significant, but did you know there is another estate planning tool that arguably holds even greater importance in ensuring your affairs are managed according to your wishes?

This is the durable power of attorney (DPOA). While this estate planning document might not be as commonly discussed as wills or trusts, its role is critical in safeguarding your financial and personal affairs during your lifetime. The power of attorney not only complements these other documents but also fills a crucial gap in taking care of you during your lifetime. It can provide peace of mind, as you know someone you trust has the legal authority to act on your behalf under circumstances where you are unable to do so yourself. From managing day-to-day financial transactions to making key decisions during a crisis, the durable power of attorney stands as a pillar of a well-rounded estate plan, ensuring continuity and security during your lifetime.

But what exactly is a durable power of attorney and why is it so vital in estate planning? The power of attorney is a legal instrument that enables you to designate someone you trust to manage your affairs if you are unable to do so. This could be due to a variety of reasons, ranging from being unavailable to handle financial transactions, to more critical situations like an illness or an accident that leaves you incapacitated.

It is important to mention that not all powers of attorney are “durable” and to understand why the durability of your power of attorney is so crucial. The term "durable" means that the power of attorney remains effective even if you become mentally incapacitated. In scenarios where you are unable to make decisions for yourself, the durability provision of this estate planning document ensures that there is someone legally able to act on your behalf. Consider a situation where you are incapacitated, maybe due to an accident or severe illness. In such cases, having a durable power of attorney in place means there is an individual, your chosen agent, who can legally step in and handle financial decisions to align with your known preferences.

The decision of the person you will appoint as your agent is paramount. This person should not only be trustworthy but also capable of making choices that resonate with your values. Additionally, you will want to discuss designating a backup agent with your Florida estate planning attorney so you can ensure there is always someone available to fulfill this crucial role.

You may wonder what sets a durable power of attorney apart from a last will and testament? It is key to understand that a power of attorney is primarily for use during your lifetime, specifically in situations where you are incapacitated. While a power of attorney covers decision-making in your life, your will comes into play after your death with one of the key roles being to manage the distribution of your assets.

Your durable power of attorney can be a cornerstone of your Florida estate planning. It ensures that, regardless of your ability to communicate, your affairs can be managed as per your wishes. It prepares you for the unexpected, guaranteeing protection and control during your lifetime. Remember, estate planning is not just about post-death planning; it is also about planning for your future now and safeguarding your interests while you are alive.

We know how important this conversation can be and want to help. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post The Single Most Important Estate Planning Document You Need appeared first on Meloro Law .

Key Travel Tips and More You Need For Your Adventures in the New Year

Mon, 08 Jan 2024 08:00:00 GMT

As we welcome the New Year, many of us are eagerly sketching out our travel plans, looking forward to new adventures and experiences. Amidst the excitement of planning your next getaway, however, there is an often-overlooked aspect that is crucial for peace of mind and that is your Florida estate planning. Whether you are trekking across continents or exploring hidden gems closer to home, ensuring your estate plan is up to date is as essential as packing your passport.

When planning a trip, we often think about the best flights, accommodations, and itineraries. But, have you considered what would happen to your assets and loved ones if something unexpected occured while you were away? We are here to tell you that this is where estate planning comes in. The plan you create can ensure your wishes are respected and your loved ones are taken care of, no matter where you are in the world.

As you map out your adventures for the New Year, let us share the Florida estate planning tips you need to ensure your ducks are in a row before you embark on your journey. By taking time now to plan forward you can ensure that you are able to travel with confidence and security.

While ensuring your Florida estate plan is in place is crucial, do not forget the practical aspects of planning your travels for a smooth and enjoyable experience. When it comes to our top travel tips, we want to share the following with you:

Traveling brings joy and broadens horizons, but it also underscores the importance of being prepared for any eventuality. By integrating your Florida estate planning into your travel preparations, you ensure not just a memorable journey but also peace of mind for yourself and your loved ones.

We know how important this conversation is and want to help. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Key Travel Tips and More You Need For Your Adventures in the New Year appeared first on Meloro Law .

Ways to Help Aging Family Members Facing a Sudden Long-Term Care Crisis at the Holidays

Tue, 05 Dec 2023 08:00:00 GMT

As you and your family anticipated the holiday season, looking forward to family far and wide gathering in one place near aging family members to eat, drink and be merry together, were you aware that you might face the need for one of your aging family members to enter long-term care due to a crisis? This knowledge can definitely quiet the festive spirit and instead introduce a mix of concern, responsibility, and urgency. For many families, the holidays are already a busy period, and the added dimension of an aging family member's sudden health needs can be overwhelming. A circumstance like this requires quick, yet thoughtful, action balancing the need for immediate care with the emotional nuances of the season.

Now what should be your most important consideration? Being sure of the safety and well-being of your aging family member which may require a delicate blend of practical decision-making and empathetic support. In our law practice we understand the challenges you are facing as you attempt to handle these complex issues. We understand that amidst the holiday lights and celebrations, you are now tasked with making crucial decisions about your aging family member’s healthcare, living arrangements, and legal matters, decisions that can affect the entire family dynamic.

Therefore, the first priority is to not only make sure your aging family member in crisis is safe, but all your aging family members are as well. You may need to make immediate changes to their living environment to prevent falls or accidents, or arrange for a family member or professional caregiver to stay with them. Be aware and sensitive to the fact that you need to be sure your aging family members feel as supported as possible during this changing time. You and your family can do this with regular visits, engaging in conversations, and involving them in holiday activities as much as possible which can then provide emotional comfort and reduce feelings of isolation.

Your next priority is to locate and review the estate plan of your aging family member, if one exists and if you have not done so already. In addition, you need to do the same for all your other aging family members. Their estate plan will outline their wishes and identify who has been designated to make decisions on their behalf. Understanding these directives is essential for making informed decisions about their care.

As you move forward, you need to evaluate the level of care your aging family member requires, both currently and in the foreseeable future so you know what you and your family are facing. Take some time to consult with your aging family member’s healthcare professionals to understand their medical needs, mobility issues, and any cognitive impairments.

We highly recommend that once you know and understand the needs of your aging family member, you should consult with an experienced Florida elder law attorney. They can guide you in finding appropriate long-term care options and assist in navigating the financial aspects. An elder law attorney can help you look into the various care options, for example, in-home care, assisted living, or nursing homes, based on the specific needs of your aging family member. Now, your aging family member’s Florida estate planning attorney may also be an elder law attorney. If they are not, they may be able to recommend someone who can help.

As you work with your Florida elder law attorney they can also advise on different financial strategies to cover the costs of care. This may include tapping into savings, exploring insurance options, understanding public programs like Medicaid, and considering any benefits your aging family member may be entitled to, such as veterans’ benefits.

We know dealing with a sudden need for long-term care for an aging family member during the holidays can be overwhelming. However, in our law firm we call it “getting your ducks in a row.” We can assist you in taking the sure steps to be sure of their safety, understanding their needs both now and in the future, finding the best long-term care available, and understanding and finding the best financial strategy for your aging family member. Remember, the goal is not just to find care but to find compassionate care that respects the dignity and wishes of your loved one.

As you begin this journey, remember that you are not alone. Many have walked this path before, and there are ample resources and supportive communities to guide you. The holiday season, with its emphasis on family and togetherness, can be a meaningful backdrop as you and your family step into this new role in your aging family member's life, ensuring their later years are as comfortable and dignified as possible.

We know how difficult this conversation can be and want to help. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Ways to Help Aging Family Members Facing a Sudden Long-Term Care Crisis at the Holidays appeared first on Meloro Law .

Key Ways You Can Support a Family Member Recently Diagnosed with Alzheimer’s Disease

Mon, 06 Nov 2023 08:00:00 GMT

Has your loved one recently been diagnosed with Alzheimer’s Disease? With this new information, do you understand the implications and what it entails? Alzheimer’s Disease is a form of dementia that impacts memory, cognition, and behavior. Typically, symptoms develop gradually and intensify over time, and in its advanced stages, the disease can become critical.

While a definitive cure remains elusive, early detection provides the best opportunity for effective treatment and an enhanced quality of life. The most commonly recognized early symptom is memory loss. Being informed and proactive about it can significantly influence the treatment outcomes. National Alzheimer's Disease Awareness Month offers a poignant reminder of the many lives touched by this condition, not only the individuals diagnosed but also their families, friends, and caregivers.

This month also serves as an opportunity to increase public awareness, encourage early detection, and promote supportive resources available to those affected. But the dedication to understanding, preventing, and treating Alzheimer’s shouldn’t be confined to just one month; it's a year-round commitment. Let us share three key ways you can support a family member recently diagnosed with Alzheimer’s Disease.

Do not be afraid to proactively speak with a medical professional or qualified health care provider. Researching memory loss, especially as it relates to Alzheimer’s Disease, is helpful.

Law firms like ours are uniquely situated to help you plan for the future to determine what type of long-term care may be needed in the future and how you may be able to afford it. Keep in mind one of the most proactive steps you can take during National Alzheimer's Disease Awareness Month, and throughout the year, is to consult with an experienced Florida estate planning attorney. Taking charge of your legal affairs while you are in good health is crucial as you cannot make many of the important estate planning documents you need when you are incapacitated. In addition to estate planning, it's equally important to discuss elder law needs, which focus on long-term care. Florida elder law attorneys specialize in the unique needs of Older Americans and Sandwich Generation Caregivers, particularly when it comes to navigating the complexities of care planning and associated issues that arise from long-term care needs.

The post Key Ways You Can Support a Family Member Recently Diagnosed with Alzheimer’s Disease appeared first on Meloro Law .

Estate Planning Tips You Need During Estate Planning Awareness Week

Mon, 02 Oct 2023 17:39:00 GMT

Are you a resident of Florida? Do you currently have a Florida estate plan? Does it reflect your wishes for what you want done for your care both now and in the future and for the care of your loved ones and your legacy? Are you aware that every third week of October is designated as National Estate Planning Awareness Week ? This week, and throughout the year, we are all reminded of the critical importance of having a comprehensive estate plan in place.

Your Florida estate plan allows you to not just be financially prepared now and in the future; it also means that your wishes are respected, whether you face temporary incapacitation or, ultimately, upon your passing. You and your family will now have the peace of mind and security that a Florida estate plan provides, and by working with your qualified Florida estate planning attorney to consistently update and fine-tune your plan, you can be sure this peace and security will endure over time.

There are various factors that may determine the simplicity or complexity of your Florida estate plan, including your age, marital status, parental status, and the nature of your assets. The first step in a Florida estate plan, as in many other states, often involves creating a last will and testament. With this estate planning tool you can specify who should receive your assets, how your estate should be divided, and whether any trusts should be established to provide for the well-being of your spouse or partner while preserving assets for your children and grandchildren.

However, a last will and testament may not allow you to avoid the probate process. If you want to be able to avoid probate, then you should work with your Florida estate planning attorney to create the right trust agreement for your own unique circumstances. It is very important to work closely with your Florida estate planning attorney who possesses the knowledge and expertise to transform your wishes into legally enforceable actions and can help you to get your ducks in a row.

In addition to your last will and testament or trust agreement that primarily dictates what happens upon your passing, there is also another critical aspect to consider: your lifetime documents. You need to discuss these documents with your Florida estate planning attorney who may advise you to create a durable power of attorney, healthcare surrogate, and living will. These documents are powerful and can ensure you are protected in the event of incapacity.

Furthermore, it is vital to keep up a proactive approach to your Florida estate plan by periodically reviewing and making necessary adjustments. Life events, changes in laws, and shifting circumstances may warrant modifications to your Florida estate plan. National Estate Planning Awareness Week is an important reminder of the significance of estate planning and encourages us all to take the time to learn more about its importance and the necessary steps to establish a robust estate plan. In times of great uncertainty, a well-structured Florida estate plan can provide much-needed peace and stability.

Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting to get your ducks in a row. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Estate Planning Tips You Need During Estate Planning Awareness Week appeared first on Meloro Law .

We Have Exciting News to Share That Can Help You “Get Your Ducks in a Row”

Mon, 04 Sep 2023 13:52:00 GMT

In a dynamic move that mirrors our commitment to providing comprehensive legal solutions, we are excited to unveil the updated brand identity of The Meloro Law Firm. With the tagline "Getting Your Ducks in a Row," our refreshed identity aligns with our mission of ensuring that our clients have their affairs meticulously organized and secured.

Meloro Law is deeply rooted in Plantation, Florida, serving not only our local community but also extending our services to the greater Fort Lauderdale area and the surrounding counties of Broward, Miami-Dade, and Palm Beach. With more than 19 years of dedicated experience in the field, our team at Meloro Law is equipped with the expertise required to safeguard your best interests.

We take immense pride in being your trusted representatives across a range of legal matters. At Meloro Law, we provide comprehensive legal counsel in the following areas:

Medicaid & Veterans Planning: Our adept team specializes in helping seniors access essential care and benefits without facing financial depletion. Whether it's qualifying for Medicaid or Veterans' benefits, or planning for long-term care, we ensure that seniors receive quality care without compromising their financial stability.

Elder Law & Special Needs Planning: In the realm of elder law, we assist seniors in designating trusted individuals to make crucial financial and healthcare decisions on their behalf. From durable powers of attorney to guardianship appointments, we ensure the well-being of vulnerable adults and protect them from exploitation.

Estate Planning & Probate: Our services extend to clients of all ages, helping them navigate estate planning complexities. Through strategic employment of wills, trusts, and deeds, we empower

individuals to make their wishes known while avoiding probate-related challenges.

Our attorney, Bobbi Meloro, has over two decades of legal experience and is the driving force behind Meloro Law's success. Her practice areas span across Elder Law, Probate, Guardianship, Special Needs, and Estate Planning. Bobbi is deeply committed to assisting Florida seniors and individuals with special needs in protecting their assets and qualifying for crucial Medicaid benefits.

Bobbi's extensive courtroom prowess is evident through her roles as first and second chair in numerous civil jury and non-jury trials. She has earned prestigious accolades including AV Preeminent* ratings from Martindale-Hubbell and "Superb" ratings from Avvo. Bobbi's exceptional abilities have been recognized by Florida Super Lawyers and Florida Trend Magazine's Florida Legal Elite. As a member of the Florida Bar, Bobbi is admitted to practice in all Florida state and federal courts, as well as the Seminole Tribal Court. Her accreditation by the Department of Veterans Affairs underscores her commitment to comprehensive legal advocacy.

The Meloro Law Firm's fresh brand identity symbolizes a renewed commitment to assisting clients in aligning their legal and financial matters. "Getting Your Ducks in a Row" isn't just a tagline; it's our promise to guide you through intricate legal pathways, ensuring your peace of mind and security. We are excited to embark on this journey of renewed representation and strengthened advocacy. At The Meloro Law Firm, we are here to ensure that your ducks are not only in a row but thriving.

Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post We Have Exciting News to Share That Can Help You “Get Your Ducks in a Row” appeared first on Meloro Law .

Ways You Can Help a Senior This Senior Citizens Day

Tue, 01 Aug 2023 18:06:00 GMT

As Senior Citizens Day approaches, it presents an excellent opportunity to celebrate and show appreciation for the elderly members in our community. In Florida, with our substantial senior population, this presents an excellent opportunity for us to not only reflect on the valuable role these individuals play in our lives but to also explore meaningful ways we can help them. Let us share several ways you can help the elders you love this month, and throughout the year, in our article on this topic.

Similarly, neighbors who have developed close relationships with seniors can play an essential role in providing assistance and regular check-ins. A simple gesture like offering to pick up groceries or helping with minor repairs around the house can alleviate some of the burdens seniors may face. Regular visits and friendly conversations can also help combat feelings of loneliness and isolation, fostering a sense of belonging and security within the community.

As Senior Citizens Day approaches, we need to recognize the immense impact that all of us can have on the lives of Florida seniors. We need to remember that by working together we can create a supportive environment where seniors can age gracefully and enjoy the love and care they deserve.

We know this article may raise more questions than it answers. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Ways You Can Help a Senior This Senior Citizens Day appeared first on Meloro Law .

Summer Safety Tips and More for Seniors in the Summer

Mon, 03 Jul 2023 18:52:00 GMT

Do you and your family look forward to summer? Do you enjoy the longer days, more time with family and friends, cookouts, and swimming at the pool or beach? However, along with the joys of summer is something we need to be on guard against. That is the excessively high temperatures of the body, especially our seniors, as a result of hours spent in the sun.

Seniors need to be protected from the high heat temperatures. Keeping them safe during the summer months is crucial as they may be more vulnerable to heat-related illnesses but, unfortunately, heat is not the only thing we need to protect them from. What can we do to help them so they can still enjoy the summertime with family? We have 9 summer safety tips to share with you below in our article.

1. Remain hydrated. Encourage the seniors in your family to drink plenty of fluids, even if they are not thirsty. Offer water, fruit juices, and electrolyte-rich drinks. Be sure to avoid excessive caffeine and alcohol intake, because they can contribute to dehydration.

2. Remain cool. Be sure seniors have access to air conditioning or fans to keep their living space cool. If they don't have air conditioning, suggest visiting public places with air conditioning, such as shopping malls or community centers, during the hottest parts of the day.

3. Dress for summertime. Encourage seniors to wear loose, lightweight clothing made of breathable fabrics like cotton. Hats and sunglasses can also help protect them from the sun.

4. Absolutely limit outdoor activities and stay in the shade. Advise elders to avoid being outdoors during the hottest hours of the day, typically between 10 a.m. and 4 p.m. Encourage them to schedule outdoor activities in the morning or evening when temperatures are cooler. If seniors must be outside, suggest finding shaded areas or using umbrellas to protect them from direct sunlight. This can help reduce the risk of sunburn and overheating.

5. Help manage prescriptions and be sure to check on medications. In fact, some medications can increase sensitivity to the sun or affect hydration levels. Be sure that seniors are aware of these effects and consult their healthcare provider if necessary. Beyond increased sensitivity, do you know if your aging loved ones need help managing medications? Check in and ask if they need help such as a pill organizer, talking to their doctor about the number of prescriptions, or even working with a local pharmacy that will deliver medications.

7. Hurricane preparedness and safety. With the summer comes hurricane season. Although none of us want to think that a storm could hit this year, there is always a possibility. Have you discussed evacuation plans? Is relocation to a family in a different area possible? What would need to happen and who is in charge of evacuation should it become necessary?

8. Stay connected with the seniors in your family. Regularly check in on seniors, especially those who live alone. Ensure they have a way to contact someone in case of an emergency and provide them with important phone numbers, such as their healthcare provider and local emergency services.

9. Ensure Florida advance directives and Florida estate planning is current. Who can act for the senior if he or she is incapacitated or there is a crisis? Does this person know they have been nominated to serve in this role? Can he or she do it? Is there a Florida estate plan in place or is it time to complete this critical task? A completed estate plan can play a vital role in ensuring the safety and well-being of seniors during the summertime and throughout the year.

The post Summer Safety Tips and More for Seniors in the Summer appeared first on Meloro Law .

Bobbi Meloro Appears as a Guest on The Brooklyn Café Show

Tue, 27 Jun 2023 19:29:00 GMT

Bobbi Meloro appears as a guest on The Brooklyn Café Show.

The post Bobbi Meloro Appears as a Guest on The Brooklyn Café Show appeared first on Meloro Law .

Welcome to our new website!

Fri, 09 Jun 2023 20:13:24 GMT

Welcome to our new website! This site has been professionally designed to be responsive and mobile friendly, so it looks great and is accessible no matter what type or size of device you are using.

Our new website also has an integrated Client Portal, meaning you are able to access your case documents, correspondence, and calendars directly from our website!

If you have any questions, don’t hesitate to contact us today.

Estate Planning Considerations For You If You Are Facing a Cancer Diagnosis

Sat, 03 Jun 2023 00:23:00 GMT

Have you had a recent diagnosis of cancer? Do you currently have a Florida estate plan? Is it up-to-date? With your recent diagnosis be aware that the importance of your estate plan ranges from being able to make the early choice of who will be able to care for you in a crisis to who should have legal authority to make decisions when you are incapacitated to, ultimately, deciding who should inherit from you at a time when you are no longer here. These are each important discussions that will take place when you work with your Florida estate planning attorney. So, in spite of the fact that less than half of all Americans today have an estate plan, with a cancer diagnosis it is very important to have a Florida estate plan in place.

Unfortunately, many adults choose to ignore the benefits of estate planning and what it can do for them when they are healthy, however, we have seen firsthand this decision change dramatically in light of a serious healthcare diagnosis. When facing a significant health diagnosis, such as cancer, for example, we begin to take into consideration what our future may look like. We have some estate planning tips written as questions for you to consider as you work with your Florida estate planning attorney to create your Florida estate plan:

Your Florida estate plan can answer these questions, and so many more when it comes to caring for those you love, for planning for your legacy, and for providing for yourself.

Estate planning allows you to answer all your lifetime questions in advance. Questions that may include, but not be limited to, choosing trusted decision makers to act for you in a crisis when you no longer have capacity to make your own decisions. You can give legal authority through estate planning tools, such as a power of attorney, to those that you trust as well as name back ups in the event they are not able to act for you when needed.

Now that you are facing a cancer diagnosis, careful estate planning considerations can also work hand-in-hand with your health care plan. For example, what treatments do you want to receive? What treatments do you not want to receive? What do you want to see happen in your business? How do you want your minor children to be cared for? How will you pay for this care? And, if you are unable to act for yourself, who should make these decisions for you?

Furthermore, your estate planning will allow you to create your legacy. This is more than just the concept of who should inherit from you at the time you pass away. This is your opportunity to share your dreams for those who will inherit from you and your goals for your legacy. Your experienced Florida estate planning attorney can help you define what your legacy looks like and ensure you have a plan in place to reach it.

The post Estate Planning Considerations For You If You Are Facing a Cancer Diagnosis appeared first on Meloro Law .

Understanding the Difference Between Elder Law and Estate Planning During National Elder Law Month

Tue, 02 May 2023 23:26:00 GMT

Did you know that today less than half of all Americans have an estate plan? This means, in the event of a crisis, these individuals have not chosen who will have the legal authority to make their decisions. Most of us think of our estate planning in terms of inheritance and planning for our loved ones at the time of our passing, but there are lifetime decisions that your estate plan can protect you with as well. These could be decisions as simple as paying the mortgage bill or making sure a paycheck is deposited to something much more complicated such as who has the authority to pick up your minor children from school or how to manage your business. In short, your estate plan is a vital tool in making sure you are always protected and your loved ones are provided for.

With the importance of your estate planning to you, your goals, and your family, it might surprise you to learn from us that your estate planning may not be enough. While your estate plan will allow you to plan for yourself, your loved ones, your business, and your legacy during both your lifetime and at the time of your passing, it does not contemplate your long-term care. In other words, what will happen as you age and you potentially face more challenges?

Estate planning, as vital as it is, does not encompass elder law planning. This National Elder Law Month, we believe it is vital to share this information with you and help you better understand why elder law planning is, in addition to estate planning, so important and critical to your health and well being. Let us share a few key examples where estate planning ends and elder law planning begins right here in our blog.

Estate planning is always a wise first step but it is just that, the first step. We know this article may raise more questions than it answers. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Understanding the Difference Between Elder Law and Estate Planning During National Elder Law Month appeared first on Meloro Law .

Estate Planning And Long-Term Care Considerations For When Your Loved One Is Diagnosed With Parkinson’s Disease

Tue, 04 Apr 2023 14:00:00 GMT

Has your loved one recently received a diagnosis of Parkinson’s disease? As you become familiar with how Parkinson’s disease progresses, have you learned that your loved one’s ability to walk, bathe, and dress will gradually become impaired? In addition, there may be an increased risk of falling . Has this diagnosis caused you to look into what the future may look like for your loved one, including the difficult decision of placing your loved one in a nursing home someday? Are you wondering how to afford the high cost of a nursing home, when and if it is needed?

When your loved one is diagnosed with Parkinson’s disease, you need to begin considering estate planning and long-term care planning. Does your loved one have a Florida estate plan? This should not only be a Florida last will and testament, but also the accompanying documents that make it a Florida estate plan. These Florida estate planning documents should include, but not be limited to, a last will and testament, trust agreement, durable power of attorney, health care documents and living will.

It is of the utmost importance that your loved one create or update his or her Florida estate plan while he or she has the capacity to make decisions. In Florida, you must have capacity in order to create an estate plan and with a diagnosis like Parkinson’s disease, time is of the essence.

With this new diagnosis of Parkinson’s disease, you and your loved one need to begin talking and preparing for the possible need for a nursing home in the future. Now a nursing home can be paid for with a long-term care insurance policy if your loved one has one, or life insurance policies which can be cashed out, or veteran’s benefits. If you and your loved one discover that he or she does have one or more of these benefits, be sure to gather all the supporting documents of these policies, and make copies. By taking care of this now, you and your loved one will have the required proof of coverage should your loved one’s mental capacity decline.

Because you and your loved one have determined the existence of one or more of the above benefits, that is good news. We highly recommend that you meet with a qualified Florida estate planning and elder law attorney as soon as possible. She can advise you on determining how to afford a nursing home when the time comes. Experienced in the area of long-term care planning, a Florida estate planning and elder law attorney can assist you and your loved one with the review of all the benefits you believe may cover the cost of a nursing home. Know that Medicare does not cover the cost of a long-term care nursing home. However, Medicaid does cover nursing home costs, but eligibility for Medicaid is based upon your loved one’s assets. Meeting now with your qualified Florida estate planning and elder law attorney she may assist your loved one in the drafting of planning documents, such as a trust, which may make your loved one eligible for Medicaid. It is important to begin this planning as soon as possible because there are time limits on the transfer of assets which may affect Medicaid eligibility.

We know and understand how difficult a diagnosis of Parkinson’s disease is and it often comes with many other issues. You and your loved one should now begin working with a Florida estate planning and elder law attorney so that you can determine the best strategy to use in helping to assure your loved one will be able to afford a nursing home when the time comes. This planning will give you and your loved one the peace of mind that he or she will receive the care needed while the disease progresses.

The post Estate Planning And Long-Term Care Considerations For When Your Loved One Is Diagnosed With Parkinson’s Disease appeared first on Meloro Law .

Special Needs Planning for Loved Ones with Multiple Sclerosis

Tue, 07 Mar 2023 14:00:00 GMT

Do you have a loved one recently diagnosed with Multiple Sclerosis ? Do you know exactly what Multiple Sclerosis or MS is? It is a disorder of the central nervous system that is most often diagnosed between the ages of 15 and 50. Multiple Sclerosis damages or destroys the protective covering, known as myelin, surrounding the nerves of the central nervous system and causes reduced communication between the brain and nerve pathways. This damage to the nervous system and reduced communication between the brain and nerve pathways leads to a variety of health problems, including visual problems, overwhelming fatigue, difficulty with balance and coordination, and various levels of impaired mobility.

Because of the diagnosis of Multiple Sclerosis, are you aware that you may need to have special needs planning for your loved one? Multiple Sclerosis affects hundreds of thousands of people in the United States, as well as those who love and care for them. Right now there is no known cure for MS. Most people living with the disease did not even have any prior recognizable risk factors. In order to reach out and help those impacted by Multiple Sclerosis, advocacy groups and concerned organizations and individuals have worked to have the month of March designated as Multiple Sclerosis Awareness Month. This annual event is dedicated to increasing public education, advancing research, and supporting those in need.

This March, when you look around your community you might see orange ribbons with butterfly symbols. Orange is the official color of Multiple Sclerosis awareness, and the butterfly represents the shape commonly seen on magnetic resonance imaging (MRI) brain scans of someone with MS.

If you do have a loved one who has been diagnosed with Multiple Sclerosis, it may be an important time to find and meet with an experienced Florida estate planning attorney. Your attorney can meet with both you and your loved one and begin a discussion about the need for any special needs planning. This planning can reassure you that your loved one will be cared for in the event such care is needed. We have three thoughts we would like to share with you to discuss with your loved one.

We understand that a Multiple Sclerosis diagnosis can be stressful and overwhelming for you and your loved one. However, with good legal advice and planning from your Florida attorney you and your loved one will both feel more secure about the future. Our office is available to assist in establishing a comprehensive plan for your loved one with MS.

The post Special Needs Planning for Loved Ones with Multiple Sclerosis appeared first on Meloro Law .

How to Create a Loving Gift through Estate Planning

Tue, 07 Feb 2023 14:00:00 GMT

As a senior adult are you working with your qualified Florida estate planning attorney on your estate plan ? Is your goal to create the gift of an estate plan that will bring peace and confidence to the ones you love that their future is provided for no matter what comes their way? Are you also providing for yourself and your wishes for your future so that the ones you love will not have to worry about what you would want and whether you can afford it? On Valentine’s Day, what a loving gift an estate plan is to give your loved ones. We have a few suggestions for your estate plan that we would like to share with you.

1: In addition to an estate plan, have a long-term care plan. Along with estate planning, long-term care planning is extremely important. By creating a long-term care plan now you can protect your loved ones from having to deal with the need to cover any costs for caregivers, assisted living or even a nursing home. Truly a loving gift. Because the cost of long-term care is rising, it is important to be prepared to create a plan to afford the long-term care that may be needed in the future. This is a critical and loving gift to create so that your loved ones are not left struggling to pay those costs. Many Floridians do not realize that failure to create a long-term care plan may cost them their goals for the legacy they create for their loved ones.

Also, let your loved ones know about your long-term care planning so that you can be sure everyone is in agreement. Again, speaking to an experienced Florida estate planning attorney is an important next step in the development of your long-term care plan. Your Florida estate planning attorney is also knowledgeable about elder law issues and understands your goals and needs and can help you prepare the appropriate planning documents.

2: Retirement plans and funds should be included in your estate plan. You will want to use your retirement savings as a loving gift to loved ones in the future so it is necessary to include these savings in your estate plan. This is the way you begin to create your loving legacy, which is how you will both protect yourself and your family’s future. By creating a legacy for your loved ones now, they are protected in the event something happens to you.

3: With the guidance of your qualified Florida estate planning attorney you can create the legal documents you need to give as a loving gift to your loved ones. Your Florida estate planning attorney will know the legal documents you need to include in your estate plan and any long-term care planning you do. She will help you create your will and include a trust if needed. She will also assist you in creating those documents you will need if you become incapacitated and unable to make your own decisions in regard to finances and health. You will be able to now choose the trusted person or persons you want to act for you and carry out your wishes. You will be giving your family the gift of peace that they will not have to make those decisions for you, but rather that you have already handled any situations that may arise, including end of life decisions. Also, creating your estate plan will ensure your loved ones are taken care of in the event of your sudden incapacity or your passing away.

These are just a few of the ways you can plan to protect your loved ones and make the plans you need to provide for them when you are gone. As we reflect on Valentine’s Day and show those in your life the ways you love them, now is the time to get started. Preparation is key to successful planning and to help you accomplish your goals.

The post How to Create a Loving Gift through Estate Planning appeared first on Meloro Law .

The New Year is a Perfect Opportunity to Finally Get Your Affairs in Order—Stop Procrastinating!

Tue, 03 Jan 2023 14:00:00 GMT

Ready for the New Year, 2023? Finalizing your list of resolutions? While you celebrated and enjoyed the holidays with your family, were you reminded that you need to plan ahead for yourself, your family and your legacy ? Are you concerned that you have been procrastinating and have not created your Florida estate plan? Is it now at the top of your list of resolutions? How do you begin? What should go into your estate plan?

As Florida estate planning attorneys, we meet with clients and their loved ones to discuss just what is needed in their Florida estate plans to be sure that they are personally protected, in addition to their family, their business, and the legacy they want to leave behind. Because of these meetings we have developed an estate planning checklist we would like to share with you. We recommend you not procrastinate any longer and use this checklist now to make sure that your estate plan reflects your goals for you and your family now and in the future.

Finally, it is important for you to think about your Florida estate plan jointly with your long-term care plan. As you look at your New Year’s resolution of not procrastinating and completing your Florida estate plan, take time now to schedule a meeting with your Florida estate planning attorney to discuss how potential long-term care complications could inhibit how you reach your estate planning goals.

The post The New Year is a Perfect Opportunity to Finally Get Your Affairs in Order—Stop Procrastinating! appeared first on Meloro Law .

What To Look For When Visiting Relatives During The Holidays

Tue, 06 Dec 2022 14:00:00 GMT

Are you traveling to Florida during the holidays to visit your retired relatives ? Even though you are in touch weekly with your aging relatives, are you concerned about their well-being, safety and ability to age in place? Are you looking for suggestions in regard to any signs that you should be particularly aware of that will show whether your aging relatives may be having some difficulties? We can help.

We would like to share with you our insights on what you should look for as you visit with your aging relatives. We recommend that you look for whether:

As you visit your aging relatives have you observed any of the above signs? If you have, you need to seriously discuss with your aging relatives what steps need to be taken for their care and safety. Be sure to approach your aging relatives with sensitivity and ask whether they want to stay in their home at all costs or do they want to live in assisted living. Assisted living can offer a wide range of amenities that may make it an attractive option for your aging relatives. On the other hand, your aging relatives may want to stay in their own home at all costs.

Now if your aging relatives want to age-in-place, what needs to be done to help them remain in their home as long as possible and remain safe? You may need to have a discussion about modifications to their home to make it safer and easier to move around. There may also need to be a part-time in-home caregiver or possibly even a family caregiver move in with them or make daily visits.

Along with the discussion about aging-in-place, find out if your aging relatives have any plans in place for their long-term care? Do you or your aging relatives know exactly what long-term care planning is? The National Institute on Aging defines long-term care planning as steps to meet a person’s health or personal care needs during a long or short period of time. Often, with the help of these services, aging relatives may be able to live as independently and safely as possible even though they can no longer perform everyday activities on their own.

Once you have had the conversation with your aging relatives about long-term care planning, together you should locate a qualified Florida elder law attorney to help with long-term care planning. In addition to long-term care planning, your Florida elder law attorney can help your aging relatives with their estate planning. They will need someone they trust to handle their financial matters and healthcare decisions in the event they become incapacitated.

During this holiday season, as you visit your aging relatives, know that this is a great time to be sure your loved ones are safe, cared for and happy. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today .

The post What To Look For When Visiting Relatives During The Holidays appeared first on Meloro Law .

The Best Gift You Never Thought of

Tue, 08 Nov 2022 14:00:00 GMT

Are you thinking about the holidays? Are you busy with family preparations about who will be coming, who will host the festivities, who will be traveling long distances and all the fun activities everyone can enjoy together? Most importantly, how about the gifts you plan to give? What gifts are you thinking about giving to all your loved ones? We have an idea of a wonderful gift we would like to share with you that you may not have even thought of.

What is this wonderful gift? A Florida estate plan . Are you aware that less than half of all Americans have an estate plan ? A Florida estate plan is a reflection of what you want most for yourself and those you love, as well as your legacy. We absolutely know that this may be an unusual gift, however, we invite you to read more about completing or updating your Florida estate plan. We believe that it may be the best gift you will ever give those you love and hold most dear.

As we think about your estate plan, do you have a current Florida estate plan? Is your estate plan from another state? This is a good opportunity to update it and make it a Florida estate plan. Have you ever considered these questions? If you were suddenly incapacitated due to a serious accident, diagnosis of a serious disease or surgery, who would make your healthcare decisions? Who would have the legal authority to pay your bills? Who would handle your business affairs? Should your spouse or your adult children or someone else be in charge of your finances? Have you made retirement plans to be able to support you as you age?

As you read the above questions and contemplate your answers, you can see why during this holiday season as you think about gifts for your family, a completed Florida estate plan is quite possibly the best gift you can give to them. In our office we hear those same questions and even more, from our clients and their family members everyday. Also, when it comes to Florida estate planning, you need to know your estate plan will work when you need it to and we understand that.

Another holiday gift to consider giving along with your Florida estate plan is the need for a long-term care plan. Your Florida estate plan is a critical part of your health and well being, the care of your family and the goal of your legacy, however, we want you to know that there is a second planning component that needs to be addressed and completed as well. It is your elder law planning, which includes long-term care. It is a fact that the majority of Americans will need some form of long-term care after they reach the age of 70. Most of this care is not covered by Medicare and, instead, will fall on the Florida senior to pay for out of pocket. We can assure you that with prior planning it does not have to be this way. We can work with you to not only create your Florida estate plan but also a Florida long-term care plan that can protect the estate plan you are putting in place and allow you to be able to leave a legacy for your family, no matter what the future holds. Now, if you already have an estate plan in place, a long-term care plan can be the gift to add to your list to give your loved ones.

The post The Best Gift You Never Thought of appeared first on Meloro Law .

Bobbi Meloro Speaks About Medicaid

Fri, 14 Oct 2022 14:28:00 GMT

The post Bobbi Meloro Speaks About Medicaid appeared first on Meloro Law .

Planning Forward for Your Needs and Those You Care for During National Long-Term Care Month

Tue, 04 Oct 2022 14:00:00 GMT

Have you given any thought to planning forward to prepare for a future that may include the need for long-term care for yourself or your aging loved ones? According to research, less than half of all adults in America have completed their estate planning. Most of us do not want to think about a time when we cannot live independently in our own homes, free of mobility and cognitive challenges, so it is no surprise that most of us have not made any plans for short term or long-term disability coupled with the potential need to live in a nursing home.

Are you aware that because most of us are living longer health care costs are increasing and there is a lack of government resources to fund our long-term care, if we need it? Therefore it is important for us to find a way to both identify the right long-term care support for our own unique needs and for those we care about. In addition, we have to plan forward to find a way to pay for the care we may potentially need. Preparing for your future and the future of those you care about is one of the reasons why National Long-Term Care Planning Month was created in the 1970s. We have chosen to focus on it today to make sure you are well armed with the information you and those you care for need to age wisely and well.

When talking about well resourced information, unfortunately, many Americans mistakenly believe that the Medicare system will pay for the cost of long-term care, but that is not the case. Medicare is an acute payor system, therefore, it will only cover part of the cost of care on a short term basis. That means it will cover a hospital stay when you need to have surgery, part of your doctor’s bill, and a brief rehabilitative stay in a rehabilitation center or nursing home. However, it will not pay for long-term care or custodial care when you are not able to improve over time or need round the clock care based on your physical or cognitive needs.

Now that you are equipped with all this information, how do you pay for long-term care? Let us share some pointers you will need for your research as you begin to be sure you and your loved ones are protected in the future.

1. You need to have a baseline of your health in place to understand your health care needs. Take stock of your overall health, and the health of those you care about, to understand where you are right now and how to plan for long-term care if it is needed in the future. Your needs are unique to you. If you have preexisting conditions, could they affect your health now or in the future? Have you recently had a new diagnosis that could lead to future disability? Are there physical or cognitive issues you know about but have not wanted to plan for?

2. Will you be able to pay for your own care? The average cost of care in your own home begins, in most states, at $4,500 per month while the average cost of a semi-private room in a nursing home is $9,000. It does depend on where you live and you can learn more about the options in your specific zip code using the Genworth Cost of Care Study by clicking this link . Think seriously, do you have the money right now, to pay for this care while still maintaining your home, your existing expenses, and ensuring your spouse and children are not impoverished? Probably not, so you need to begin planning as soon as possible.

3. Long-term care is a conversation to have with your entire family. Were you hoping a member of your family could care for you? Were you hoping to care for your own family members? In most cases, many people do not have family members who could stop a job to care for a family member who needs long-term care or who have the training to provide this care. That is why it is so important to begin the conversation with your family now. Everyone in the family needs to know and agree to how long-term care is going to be handled.

4. Find out what public benefits you or those you care about could be eligible for. Now is the time to research any and all state and federal programs that could help you pay for long-term care. Qualification for these programs is based on both your healthcare needs and your financial resources. For example, one program you may have heard of is the Medicaid program. If you qualify for Medicaid, much of the monthly burden of paying for long-term care by you and your family may be reduced.

5. Most importantly, meet with an experienced Florida elder law attorney. Your elder law attorney will be able to guide you through the complex maze of long-term care planning. Your attorney will understand your unique situation and be able to provide a plan to not only find the right care for you but identify ways to pay for it. Because you have begun preparing for your future early there are often more planning options available to you and your attorney. That being said, there are steps that can be taken in a crisis, however, the earlier you can make a plan and implement it, the better.

We know this topic may raise more questions than it answers. The long-term care conversation is a serious one and one that you should have sooner, rather than later, so you are able to take advantage of the planning opportunities available to you. We encourage you to contact us and schedule a meeting. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today .

The post Planning Forward for Your Needs and Those You Care for During National Long-Term Care Month appeared first on Meloro Law .

Mid Year Planning Check In! Did You Reach Your New Year’s Goals to Protect Yourself and Your Family?

Tue, 06 Sep 2022 14:00:00 GMT

We are more than half way through the year! What an exciting time for us here in Florida as we see not only the continuing growth of our state as we come back from the pandemic but anticipate the approach of cooler weather. As we get past the midway point in the year, however, it reminds us to check in on our New Year’s goals since there are less than six months to accomplish them.

Specifically, we are thinking about your plans to protect yourself and your family. If this was one of your goals at the start of the year, as it was for so many of our clients, what progress have you made toward it? Have you been able to create a Florida estate plan for yourself and your family that is able to:

• Protect your autonomy to make your own health care decisions
• Memorialize your wishes if you are in a persistent vegetative state
• Give legal authority to another to make pay your bills if you cannot
• Care for your pets and support your caregiver with financial resources
• Allow your family to protect your assets if you need long-term care
• Leave your assets to those you want to provide for at your passing
• Create a legacy that can outlive you

We know these can be difficult questions to think about and are here to help you answer them. To get started and make sure you are ready to cross this resolution off your list, let us share a few tips and questions to get you started:

• Begin with identifying why you wanted to create an estate plan at the start of the year
• Think about who should act for you in a crisis, are they readily available?
• Would you want a different person for your health care decisions versus your financial choices?
• If you named your spouse, consider what you would do if your spouse was also not available?
• Who should be second, or third, in command?

Maybe you had a different goal at the start of the year because you already have an estate plan. If that was the case, was your goal to update it? This is a critical step all of us should undertake periodically to ensure that our estate plan always reflects what we want, memorializes changes to the family structure if there are any, and gives the legal authority to your decision makers to act in a crisis.

We know this article may raise more questions than it answers, and we hope it gets you thinking about how to complete the goals you set at the start of the year. Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Mid Year Planning Check In! Did You Reach Your New Year’s Goals to Protect Yourself and Your Family? appeared first on Meloro Law .

4 Thought Provoking Questions to Ask Your Aging Parents

Tue, 02 Aug 2022 14:00:00 GMT

Do your parents still live in their own home? Are they able to care for themselves and drive to appointments and the store? Have you noticed, though, that they are beginning to age? Is it causing you to be concerned about their future? It may be time to begin raising important estate planning issues with your aging parents.

In preparing to talk to your parents, get together informally, without distractions, and talk about their future. Be sure they know what you are meeting with them about. In fact, this conversation may take place over many meetings together. We would like to share with you four thought provoking questions that may be helpful.

1. Do your aging parents each have a Florida estate plan? If the answer is yes, find out who their Florida estate planning attorney is for future reference. Also, be sure they have updated it recently. Also, find out where they are keeping their original documents.

2. Do the Florida estate plans of your parents include a power of attorney and advanced directives? If your aging parents become incapacitated due to an accident or illness, their power of attorney would allow a trusted person, already chosen by your parents when creating the document, to make financial decisions on their behalf. In addition, your aging parents could also create instructions through advance directives for how others should handle their health care if they are incapacitated or facing an end-of-life situation.

3. What are the long-term care plans of your aging parents? In the future if your aging parents require assistance with daily tasks, such as keeping up with necessary medications, personal hygiene, or home-related responsibilities, what do they want to do? Would your aging parents prefer in-home care or moving to an assisted-living facility or even a nursing home? Do they have long-term care insurance, savings for long-term care or have they met with their Florida estate planning attorney to begin planning for potential long-term care?

4. Do your parents have a team of professionals to work with? Estate planning, long-term care planning, insurance needs, tax issues and health care need to be addressed by your aging parents with the experts in their professions. Professionals such as an experienced Florida estate planning attorney, CPA, financial planner and medical doctors should be a part of your aging parents’ team. Also, you need to know the names, phone numbers and addresses of all these professionals. Working with qualified legal, financial and medical professionals can help ensure the wishes of your aging parents are followed.

The post 4 Thought Provoking Questions to Ask Your Aging Parents appeared first on Meloro Law .

How Technology Can Help Aging Loved Ones Stay At Home Longer

Tue, 05 Jul 2022 14:00:00 GMT

Do you have a loved one currently living alone in his or her own home? Do you often call or visit to make sure your loved one is okay? Do you feel like you are not checking up enough or need help? Believe it or not, did you know that when used appropriately, the right technology can make it easier for seniors to be able to engage with their family and friends and remain healthy and safe in their independent living situation? We would like to share the technologies discussed below that might help your loved one. We encourage you to discuss these technology options with your loved one. In addition, your loved one may want to consult with his or her primary care practitioner to identify areas where technology may help now and in the future.

Health and wellness is very important for your aging loved one. This is an area where technology can be of assistance. For example, telehealth is becoming more and more common. This technology makes it easier to manage illnesses and connect with health care professionals while at home. You should assist your loved one during the first few video visits and help give your loved one the confidence to connect with health care professionals independently. Another technology example is a medication management system. Medication management systems can issue reminders, dispense medications, monitor medication usage, and notify caregivers when doses are missed. Products like epill , and MedMinder are two of the products available to consumers for purchase or for rent.

There is so much concern about our aging loved ones being isolated or lonely and this is an area where technology can help fight social isolation. Technology, like a simple cell phone, can increase your loved one’s ability to connect. You can now look for phones with large buttons and clear screens. The Lively Flip phone was designed for seniors, and comes with a special one-click button to connect with a member of the Lively Response Team, who can summon help or connect the caller with a board-certified doctor or nurse. Does your loved one have hearing loss? Consider a captioning app like Clear Captions that can allow your loved one to read phone conversations in near real-time. You should consider utilizing video conferencing technology like Zoom and FaceTime . Face-to-face conversations can be easier for seniors, and allow for inclusion even when there are social distancing restrictions. Technology, at its best, can offer seniors opportunities to connect with friends and family, which is necessary as many seniors suffer from isolation and depression. Also, look for easy-to-use computers and touch-screen capabilities, like the GrandPad or iPad .

Keeping your loved one safe at home is so important and there is technology that can help. As your loved one ages physically and mentally, and the risk of falling or wandering off increases, there are technologies that can help your loved one stay safe while living at home. Home monitoring systems, like Alarm.com Wellness , use strategically-placed sensors to allow you to monitor your loved one’s daily activities and will notify you when there is a disruption. Personal emergency response systems (or PERS) are typically worn on a necklace or belt clip, and will send an alarm if it perceives a fall, wandering, or if the individual wearing it presses the button. Many will send help immediately. An example of this type of product is MobileHelp . If wandering is a concern, GPS tracking devices, like GPS SmartSole or Theora Connect Wearable , can alert the authorities and help locate a missing person quickly.

The post How Technology Can Help Aging Loved Ones Stay At Home Longer appeared first on Meloro Law .

Understanding the Differences in Florida Long-Term Care Support for Our Seniors

Tue, 07 Jun 2022 14:00:00 GMT

Do you have an aging loved one still able to live in his or her own home? Are you concerned about what the future may hold as your loved one ages and whether he or she can continue to live in his or her home? Have you and your aging loved one discussed long-term care and the choices in care that are available? Do you and your senior have questions? In Florida, there are several options available for long-term care. We know it can be confusing, so we would like to help you and your loved one understand your options.

Staying at home with assistance is the first long-term care solution. Most aging Americans would rather remain in their home as opposed to entering into a long-term care facility. If that is an option, consider bringing in home health care when it is needed. Home health care can be varied and will be able to fill whatever needs your loved one may have. Home health care can range from companion care to hands-on assistance in making food, dressing, bathing and other activities of daily living.

What happens if your loved one needs more care than he or she can receive in his or her own home? The next level of care to consider is assisted living. Assisted living is primarily a residential facility for seniors who need help with the basics, but are not chronically ill. Staff can help your loved one with day to day needs that do not require specific medical attention. For example, those needs may include bathing, getting dressed and undressed, and preparing and eating meals. In addition, assisted living also offers socialization which maybe a better atmosphere for those struggling with mental health issues that stem from anxiety or isolation if they live on their own. Help may also be provided to complete basic financial tasks, like paying bills and buying groceries. Even though assisted living is not a medical facility, your senior can also get help with managing their medications.

When a senior needs medical attention on a regular basis, like IV medications, physical therapy that happens daily rather than weekly, or has an ongoing chronic condition, a skilled nursing home is likely needed. A skilled nursing home is basically a medical facility and is equipped to meet the medical needs of your loved one. All of these options can be very expensive. Medicaid long term care benefits can help with these costs. A Florida elder law attorney can answer all your questions about Medicaid and help you qualify for and get assistance.

Our office can discuss long-term care options and planning for the cost of long-term care. To learn more about Meloro Law and how we can help you do not wait to call us today .

The post Understanding the Differences in Florida Long-Term Care Support for Our Seniors appeared first on Meloro Law .

Protect the Life Savings of Your Mom from a Nursing Home

Mon, 02 May 2022 14:00:00 GMT

Does your mom currently live on her own without any problems? Do you check in with her each day or stop by her home? Have the two of you talked about her plans for the future, especially if she were to need critical nursing care ? During the month of May both National Elder Law Month and National Older American Month are celebrated. Both of these observances are crucial for you and your mom because of the support and knowledge or aging that both of you can receive. In regard to National Elder Law Month, Florida elder law attorneys will be out in their communities educating seniors about laws impacting them and the legal documents they need. National Older Americans Month reminds Americans that the family, friends and communities of seniors need to be supportive and protective. This is an important time of year to ensure our aging Florida seniors have the support they need, including your mom.

In long-term care planning for your mom, it is important to know that you both can reach out to a qualified Florida elder law attorney. Your attorney knows the cost structure of nursing home care and can help your mother protect her lifetime of savings from being completely used up by the cost of care, either in a nursing home or at home.

The following statements and discussions are three ways to prevent your mother and other aging Florida seniors from losing their life savings to a nursing home.

1. First, begin planning now. Florida seniors can preserve their life savings while planning for the future well in advance of when those plans need to be put into action. Begin by meeting with a qualified Florida elder law attorney to start long-term care planning.

2. Be informed on the difference between Medicare and Medicaid. Were you and your mom planning for Medicare to cover the cost of a nursing home? Unfortunately, Medicare usually only covers 100 days of nursing home care. If your mom, as a Florida senior, qualifies for Medicaid, then the Medicaid program in Florida will take over when Medicare benefits are no longer enough. Know that Medicaid will cover nursing home costs for qualified Florida seniors for as long as they need it. However, there is a caveat. Medicaid rules will require Florida seniors to spend down most of their life savings prior to qualifying for the program. Also, Medicaid will look back over the past 5 years and see what was held in assets, and what the income and expenses were during this time period. A qualified Florida elder law attorney can assist you and your mom with all this planning.

3. Remember, planning should always be 5 years ahead. As stated before, Florida Medicaid has a look back period of 5 years. A qualified Florida elder law attorney can help your mom plan around this 5-year “lookback” rule to protect your mom’s life savings. Your attorney may decide the best way to do this is to be sure that your mom’s assets are transferred out of her estate prior to the 60 months before she may need nursing home care. You and your mom do not know when nursing home care will be needed, but it is still best to start planning early. Your attorney can work with your mom to determine the best approach.

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Five Tips On How to Plan For a Loved One With Autism

Tue, 05 Apr 2022 14:00:00 GMT

Are you caring for a loved one with autism? Have you given serious consideration to your loved one’s future and the need for thoughtful and careful planning? Depending on the severity of their autism the specific needs of autistic individuals can vary greatly and, in fact, many people with autism need assistance throughout their entire lives.

Are you the parent, grandparent, or sibling taking care of an autistic loved one? When should you begin planning for your loved one with autism? You should begin your planning early. As the caregiver for your loved one, one aspect of your role is to make sure there is a solid legal, financial and medical foundation in place.

We know it may be hard to begin this type of estate planning. In fact, you probably do not like to think about a time when you may not be here to provide care for your loved one yourself. We want to assure you that we work with families and the challenges they face each and every day. We would like to share a few answers to questions you may have regarding special needs planning.

1. Do I always have the authority to make decisions for my autistic child?

Yes, but you must have planning in place. Are you aware that when a minor with autism reaches the age of majority (18 years old in Florida), he or she becomes a legal adult. Even if his or her developmental, cognitive or mental disabilities are severe, in the eyes of the law your child will be deemed an adult. That means that without planning, you could lose your legal authority.

2. What can I do if my autistic loved one cannot safely make decisions at this time?

Start by making a list of what your autistic loved one can and cannot do. This list should include medical, educational, financial, legal and vocational decisions. Also, be sure to carefully assess his or her abilities to make rational decisions, including, choices related to self-care and whether he or she is able to communicate for him- or herself. This is the beginning of what you will share with your estate planning attorney. Your attorney will explain that you will want to think about the authority you need as a part of the guardianship process.

3. Because my child can make some decisions, can the court consider a less restrictive guardianship?

Yes, the court can. The key to guardianship is ensuring that your child is safe. Be sure to talk to your estate planning attorney first if you are thinking about not proceeding to obtain guardianship over your disabled child. In the future, you do not want to be in a situation where a decision needs to be made that requires legal authority, and you do not have it.

4. Do I need a backup guardian?

Absolutely! If the time comes when you can no longer handle the responsibility of your loved one, discuss with your estate planning attorney who can take over your guardianship role. With your attorney, you can create the legal documents you need together with a letter of intent. This letter is a document that will act as a roadmap for guardians and trustees to navigate medical, financial and legal decisions once you are no longer able to act.

5. What is a special needs trust?

For a disabled person, there are different types of special needs trusts that can be created. The main benefit of special needs trust planning is it allows the disabled person to not lose access to key government benefits, such as Medicaid and Supplemental Security Income (SSI). For example, if your autistic loved one inherits directly, without a special needs trust in place, he or she may be at risk of losing his or her benefits until the money received is spent down on his or her care.

The basic concept to follow in planning for a loved one with autism, or any special need, is to ensure he or she has enough support throughout the remainder of his or her life. Ensuring your loved one is taken care of, even when you can no longer be there to assist, is critical.

Do not wait to contact our law practice to learn more today. We encourage you to contact us and schedule a meeting . To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Five Tips On How to Plan For a Loved One With Autism appeared first on Meloro Law .

Do You Know the Pros and Cons of Planning for Medicaid Early?

Tue, 01 Mar 2022 14:00:00 GMT

As a senior living in Florida have you thought about planning for long-term care? There are definite advantages for planning for long-term care now and not putting it off until you suddenly need care. Early planning will enable you to make a good choice for long-term care for yourself and ultimately for your loved ones. We will discuss more in this blog about the pros for long-term care planning in the state of Florida.

Are you planning for Medicare to cover your long-term care needs? We understand that because you are 65 or older, Medicare is your health insurance. However, Medicare will not cover much in the way of long-term care, whether you are in a nursing home or in your own home. Medicare has an extremely limited nursing home benefit, covering only up to 100 days of care and only in some circumstances. It is definitely not a reliable source of coverage if you end up needing permanent long-term care.

Perhaps you are planning to depend on family members for your long-term care. You may have an adult child or another relative who can come to your home regularly or who you are able to move in with. There are some challenges to this plan. We are living longer these days, and with different generations living in different parts of the country, in-person consistent help from family might not be something you can rely on. Also, your children might be raising little ones at the same time you need the most help.

Now, you wonder, where can you turn? You can call and meet with a Florida elder law attorney. In fact, the best choice for you would be to consult with a Florida elder law attorney who specializes in Medicaid planning. Why? Your Florida attorney will work with you to find out whether you qualify for Medicaid or how you can plan to qualify for Medicaid when the need for long-term care arises. Qualification for Medicaid depends on your income and assets at the time of your application for coverage. In fact, the sooner you meet with a Medicaid attorney, the better the attorney may be able to help you plan for the future. If you are able to qualify for coverage, Medicaid will cover all nursing home costs you may need in the future.

The post Do You Know the Pros and Cons of Planning for Medicaid Early? appeared first on Meloro Law .

Tips You Can Use to Keep Seniors Safe from Sweetheart Scams

Tue, 01 Feb 2022 14:00:00 GMT

Are you familiar with romance scams? Have you ever heard of a romance scam called “Lonely Heart”? These scams often occur when scammers are attempting to financially exploit vulnerable people. There are many ways this scam can be accomplished, including by phone or online. The scammer earns the trust of the vulnerable senior through romantic manipulation and emotional deceit. Unfortunately, seniors are especially vulnerable to lonely heart frauds due to higher incidence of loneliness and social isolation.

Sadly, Valentine’s Day gives online criminals an even better opportunity to take advantage of vulnerable Florida seniors . We want everyone, both seniors and their families, to be proactive in recognizing this scam and have included a few tips in this month’s newsletter.

Everyone knows the saying, if it’s too good to be true it probably is. Romance scammers typically use fake images of themselves and pretend to be someone they are not in reality. Very shortly after meeting their victim online, the scammer will profess a strong attraction or deep seated love for the victim, and then attempt to exploit the situation. Keep yourself safe and do not fall for anything they say or do!
Once scammers feel they have gained the trust of their victims, they will often move quickly to convince their victims to communicate in private forums. These private forums like email, messenger apps, or even cell phones make it easier to isolate their victims from others.

Criminals might suggest romantic vacations or a passionate future together but will tell the victim they cannot afford it. This is to tug at the hearts of vulnerable Florida seniors. Scammers may even say they have never felt this way about someone before. Most of us are very aware that this is not how real life relationships work. Be sure to always use common sense.

Scammers can be very subtle in their manipulation of their victims. Little by little, by giving into unusual requests, you will find yourself being led down a path of providing personal and financial information that you would never have offered at the beginning of a conversation.

If you start to suspect something may be wrong, try to look for telltale signs. For example, it could be a scam if someone says they know you from your hometown yet they are wrong about things they should know. Realize that the scammer might have looked at your Facebook friends and developed a fraudulent online identity to get past your defenses. A huge red-flag is if a seemingly familiar person refuses to meet in real life.

Other internet scams involve the scammer gaining the trust of the senior and then telling their hard luck stories. Or the scammer may hint at financial troubles, such as a broken-down car or a sick relative, before moving on to ask for money. Another is the “grandparent” scam which is when a person pretends to be a grandchild who is in trouble.

If you recognize any of these signs or are unsure about someone online, cut off all communication. You do not have to do anything they say or take action. Finally, if you or someone you know has been the victim of an online financial crime, do not wait to contact the authorities for help. Further, you can contact an experienced attorney to learn more about your rights and appropriate courses of action. Remember, an experienced elder law attorney has special training to help you navigate this and any potential elder care issues you may face.

Contact our law office to learn more today. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues, please visit our website or Facebook Page or call our office and schedule an appointment.

The post Tips You Can Use to Keep Seniors Safe from Sweetheart Scams appeared first on Meloro Law .

Here’s A New Year’s Resolution You Can Actually Achieve!

Tue, 04 Jan 2022 14:00:00 GMT

Are you beginning the new year by focusing on your goals and resolutions? Have you decided to begin with getting organized? Are you adding new and better habits? With all the many ideas you have about how you will achieve the resolutions you set for yourself, we would like to share one that is both easy and critical to complete!

Creating or updating your Florida estate plan is probably the most important New Year’s Resolution you can make this year. Did you know that the estate plan you create can protect you during your lifetime and your estate when you pass away. In addition, if you already have an estate plan in place, take steps to help ensure your estate plan is and remains updated to reflect your most current circumstances and goals. Keep in mind that your estate planning attorney will be sure that your choices and wishes surrounding your health care and finances are honored by your chosen decision maker. By creating a legacy you will have the peace of mind that your family will be provided for when you pass away.

A Florida estate plan has many potential benefits so make this resolution your number one priority and begin as soon as possible! If you have an existing estate plan, time is of the essence to review it and ensure that it still meets your needs. To maximize the potential benefits a Florida estate plan has to offer, it is not only necessary to put the plan in place sooner rather than later, but to also use a variety of legal planning tools to address how your assets will be managed and distributed in the event of your death or incapacity, among other things. As many changes can happen within your family, your business, and your finances in a year, it can be important to make sure your estate plan remains effective in not only encapsulating the desired future for you and your loved ones, but also has the best tools in place to accomplish those goals. This means that when there is a birth, death, divorce, or other life update or changes in laws, you should make it a priority, and an achievable resolution, to work with your attorney to determine if your estate plan needs any updates or significant changes.

Your Florida estate planning attorney can discuss with you the importance of lifetime planning tools such as the durable power of attorney for your finances and related health care documents like the living will. She can also help you decide who should be your decision maker, and back up decision maker, in times of crisis or in an emergency situation. Your attorney can also discuss with you the difference between will based estate planning and trust based estate planning. While a will is subject to the Florida probate court, a trust is not. You can make it one of your achievable resolutions to learn more about these two planning tools, as well as how a trust can be a very versatile estate planning vehicle to help protect and distribute your assets.

We know this article may raise more questions than it answers. We want to help you achieve the New Year’s Resolution of having a Florida estate plan that can meet your needs. We encourage you to contact us and schedule a meeting. To learn more about Meloro Law and how we can help you when you need legal representation for estate planning or elder law issues do not wait to call us today.

The post Here’s A New Year’s Resolution You Can Actually Achieve! appeared first on Meloro Law .

The Best Holiday Gift You Have Never Considered

Tue, 07 Dec 2021 14:00:00 GMT

We know the end of the year is quickly approaching. In just a few short weeks, it will be 2022. Of course, the persisting pandemic continues to add a layer to our plans but, for most of us, we are busy finalizing our end of the year plans, purchasing last minute holiday gifts, and making plans to spend time with family. This is the perfect time to take stock of what has happened this year, as well as reflect on your goals for the coming year. What went well? What could we improve on?

As we reflect on the past year and look to the future, what are your goals for yourself, your loved ones, and your legacy? We encourage you to take the time to not only think about the immediate actions that must be completed before the end of the year, but that you also think about what the future may hold for you. While you may be rushing to complete a shopping list for holiday gifts for your family, consider this: completing or updating your Florida estate plan may be the best gift you can give them.

Do you have a current Florida estate plan ? As a Florida senior, you may have many questions. Questions such as:

1. Who will make your decisions if you are not able to make them for yourself?
2. If you are in a car accident, who will have the legal authority to pay your bills?
3. Who could handle your business affairs if you could not?
4. What would happen to your pets if you were hospitalized?
5. Should both your adult children be in charge of your finances?
6. Do you need additional insurance policies?
7. Will your retirement plans be able to support you as you age?
8. If you have out of state estate planning documents, will they work in Florida?
9. Have the laws changed in the past few years that now makes your planning irrelevant?
10. Have there been any changes in your family structure that necessitate the need to update your planning?

Each of these questions is an important question. We hear questions just like this from our clients and their family members each day. Based on our experience, we want to share with you that old adage: an ounce of prevention is worth a pound of cure. When it comes to Florida estate planning, you need to know your plan will work when you need it to. This holiday season, a completed Florida estate plan that lets your loved ones know what you want for yourself is quite possibly the best gift you can give.

Further, we want you to know that while Florida estate planning is a critical part of your health and well being there is a second planning component that needs to be addressed and completed as well. This is your elder law planning. The majority of Americans will need some form of long-term care after they reach the age of 70. Unfortunately, much of this care is not covered by Medicare and will fall on the Florida senior to pay for out of pocket. We can assure you it does not have to be this way. We can work with you to not only create an estate plan but also a long-term care plan that can protect the estate plan you are putting in place and allow you to be able to leave a legacy for your family, no matter what the future holds.

We know this article may raise more questions than it answers. You are welcome to contact our law practice now, or at any time throughout the year, and schedule a meeting to make sure you have the Florida legal planning you need to accomplish your goals.

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The Important Long-Term Care Conversations to Have with Your Family

Tue, 02 Nov 2021 14:00:00 GMT

November signifies that the holiday season is here. The weather gets a little cooler in Florida and we start to see decorations of all kinds. While Thanksgiving is on the minds of most Americans in November, during this month we also focus on the importance of caring for our aging family members during National Long-Term Care Awareness Month.

This time of year, for many families, provides loved ones living across the country a purpose to visit. During this annual time of togetherness, it may also provide adult children an opportunity to have important conversations surrounding health and finances in person rather than over the phone with aging parents or grandparents. It also allows them a chance to observe the loved one in person and make decisions for themselves on how that person is doing.

One of these conversations needs to be an open discussion on the older loved one’s long-term care needs. This is not an easy conversation to begin and, if you are not sure where to begin, consider the key questions and discussion points we have included here in our blog.

1. Have they planned for the future when they may no longer be able to live at home? As the adult child, have your parents let you know the answers to questions such as:

• Do they intend to retire soon?
• What do they plan to do in retirement?
• Can they live within their means?
• Do they have any new serious health conditions?
• Have they purchased long-term care insurance?

Whatever their plans, discussing the future is an important conversation for adult children to have with their parents.

2. When was the last time they updated their estate plan? As you discuss their plans for the future, they may need to update their current estate plan to reflect those plans. If they have completed any estate planning, this should be a high priority item on the discussion checklist. This can help all involved family members know now what is going to happen, so there is no confusion when the time comes to implement what is in the estate plan.

3. Have they created a long-term care plan? As we age there can be declines in health that make it impossible to live safely at home. This can result in the need for skilled nursing home care that the majority of seniors do not have the financial resources to pay for. This is where an elder law attorney can help, as Medicaid planning in particular can help to cover the cost of a nursing home. During this time together determine if there is a plan and, if there is not, find a time to create one with an elder law attorney.

Let us also not forget that this is National Alzheimer’s Awareness Month. The sooner we may address any planning issues, the sooner we can make plans that will not be impacted by incapacity. We know how difficult this conversation can be and want to help. Do not wait to contact us to schedule a meeting with our firm to help your family plan for the future.

The post The Important Long-Term Care Conversations to Have with Your Family appeared first on Meloro Law .

This October, Help Us Teach Florida Seniors About Their Long-Term Care Planning Needs

Tue, 05 Oct 2021 14:00:00 GMT

Did you know October is National Long-Term Care Planning Month? We find, in our practice, that long-term care continues to be one of the least discussed topics for our Florida seniors and their families despite how critical it is.

Where does the conversation begin? It starts with understanding what “long-term care” is in America. The term can refer to various types of care including a home health aide, assisted living or nursing home. According to the National Institute of Health (NIH), “long-term care involves a variety of services designed to meet a person's health or personal care needs during a short or long period of time. These services help people live as independently and safely as possible when they can no longer perform everyday activities on their own.” Unfortunately, for Florida seniors and their families, this conversation often begins too late. It happens after a fall or a health care crisis, but does not happen proactively when the senior and their family has time to plan.

It also must begin with an understanding that Medicare will most likely not pay for this care. The Medicare system is designed to be an “acute payor” system. Similar to health insurance, Medicare covers things like hospital stays and doctor’s appointments. It does not cover long term care.

Where do you start with this conversation? Having important conversations with yourself and your family sooner, rather than later, can assist you in getting a plan in place to be there when you need it. This is not only a look at health care coverage but a look at your estate planning and elder law planning, to ensure you have the trusted decision makers you need in place before a crisis occurs. Advance planning can remove some of the stress from this potential future situation, especially when the time for long-term care comes.

Let us share with you a few important questions to consider in your planning:

1. Have you considered that you may need long-term care in the future? For most of us the answer is no! For most of our clients, their wish is to remain in their home at any cost. On the other hand, some people may see assisted living or a nursing home as a more practical and affordable option.

2. How will you pay for long term care? Medicare may cover short term rehabilitation after a medical event such as surgery, but beyond that, you will need to cover the cost.

3. Do you have long-term care insurance? If so, review the terms to see what your policy covers. Cashing out life insurance may be also be an option.

4. Is Medicaid an option? Yes. In Florida, Medicaid has a long term care program that can help cover the cost of a home health aide, assisted living or a nursing home. And planning can and should be done in advance to preserve your assets and help you qualify for such benefits when the time comes.

5. Who will handle your financial matters and execute your Florida estate planning should you become incapacitated ? Completing a Florida estate plan is the first step to keep you protected from all future long-term care planning needs. A Florida durable power of attorney is a critical document. It allows you to name a trusted decision-maker to handle your affairs if you ever become sick and cannot do so for yourself.

We encourage you this October, and throughout the year, to take steps to ensure you know what long-term care is and to create a plan to successfully navigate this stage of your life. Our firm is skilled at providing legal assistance to Florida seniors and people of all ages who want to prepare for the future. For more guidance, please contact our office to schedule a time to meet.

The post This October, Help Us Teach Florida Seniors About Their Long-Term Care Planning Needs appeared first on Meloro Law .

Key Reasons Why You Need to Update Your Estate Plan When You Move to a New State

Tue, 03 Aug 2021 14:00:00 GMT

Did you know there are key reasons to update your estate plan when you move to a new state? It can be a great time to make sure your estate plan is comprehensive and includes protections for all of your goals. It can also be important to make updates that reflect laws that vary from state to state and can have significant impacts on the effectiveness of an estate plan. Let us discuss why you should update your estate plan when you move to a new state.

If you did not already have an estate plan completed before your move, now may be the perfect time to fill in all the gaps. After updating what you do have to reflect your new home state you can ask a qualified estate planning attorney what other documents you need to have everything taken care of. For example, if you have a will and guardianship forms for your minor children, but you do not yet have a standard power of attorney or health care documents in place, look into getting those forms completed. Take some time in your new surroundings to decide who you trust most to fill the roles of your agent both financially and medically, and make sure those choices make sense for your new location.

Your estate plan should also reflect the laws of your new home state. The United States may be one nation, but every state makes its own laws and regulations on many matters. Estate planning is no exception. Each state sets its own estate tax rates and decides whether to impose any estate tax at all, and each state and local area may have its own forms familiar to practitioners in that state for things like a health care surrogate or guardianship for minor children. In addition to having their own forms, some states also have rules about who can fill these roles. Many require a health care surrogate to live in the state for reasons of proximity when they would be called on to make emergency medical decisions on your behalf. Some require you to name local emergency guardians for your children if your choices for who would ultimately take them live too far away to arrive quickly. Make plans to update your estate plan and insure that your estate plan reflects the rules in your new home state.

For assistance updating your estate plan after a move, contact our office to schedule an appointment.

The post Key Reasons Why You Need to Update Your Estate Plan When You Move to a New State appeared first on Meloro Law .

Congratulations, Bobbi, on Being Named a Super Lawyer for 2021

Tue, 06 Jul 2021 14:00:00 GMT

Did you know that Attorney Bobbi Meloro has been named a Super Lawyer for 2021? Super Lawyers must first be nominated by peers in the legal profession and then pass a rigorous investigation process into their knowledge of the law, their professional reputation and their professional work ethic along with advocacy on behalf of their clients. Super Lawyers are standouts in the legal field and today, we want to honor Attorney Meloro for this great accomplishment.

During her more than 20 years of practicing law, Bobbi Meloro has shown a commitment to outstanding work and a dedication to the spirit of the legal profession. In addition to extensive courtroom experience, Attorney Meloro remains committed to her clients and her community. Not only has she been an active member of the West Broward Chapter of the Florida Lawyers Network and the state and national associations of women lawyers, but she has taken on many leadership roles such as serving on the Executive Leadership Board for the Extraordinary Women Leading Change Annual Conference, as President of her church Women’s Guild and as a Girl Scout Leader for 14 years.

Attorney Meloro is a member of the Florida Bar and is admitted to practice in all Florida state and federal courts, as well as the Seminole Tribal Court. She is also accredited by the Department of Veterans Affairs.

For assistance in elder law and estate planning matters, our office is available to help you and your loved ones. Please contact us today to schedule an appointment.

The post Congratulations, Bobbi, on Being Named a Super Lawyer for 2021 appeared first on Meloro Law .

Beware the Risks of DIY Estate Planning

Tue, 01 Jun 2021 14:00:00 GMT

Have you been thinking that having a do-it-yourself estate plan might be better than not having any estate plan at all? Unfortunately, this may not be the case. A DIY estate plan drafted without the right legal advice may result in a number of undesirable consequences. It can be particularly important to keep this in mind if you have been married more than once, or if you have children from a relationship outside of your current marriage. DIY estate planning can mean that your assets are not divided in the way that you intended. Let us discuss more of the risks associated with a DIY estate plan.

First of all, DIY estate plans are not updated. If you fill out an online form, call it your estate plan, and forget about it, you probably will not update it regularly. In contrast, if you have a qualified attorney draft your documents you will be more likely to return to your attorney when any changes in your life merit a review of your estate plan. When you write an estate plan and neglect to update it, your heirs might find that down the road an ex-spouse is still the one who will be the executor of your estate, or receive a share as an inheritance, if you did not properly update the documents after a separation or divorce.

Additionally, with DIY estate planning, you may run an extra risk of your assets being divided inequitably, or unfairly. If you are married but your spouse is not the other parent of your children from a prior relationship, you might make the mistake of filling in a DIY estate plan in which you unintentionally leave everything you have to your spouse. This would mean that your children are cut out of your will. This could happen, even if all you meant was that your spouse should be able to stay in the home you currently share, but you want your children to have the equity in the home after your spouse passes away. These situations are always tricky, and if you try to DIY the mechanics, you may not get what you wanted.

You also risk running afoul of state laws when you DIY estate planning. Most states have statutes that lay out what your heirs would receive if you died without a will. Typically, your assets would be divided among a spouse and your children, if applicable. If you DIY an estate plan that contradicts this type of division in an extreme way, one of your heirs could contest the will after you pass away, leading to an ugly battle in probate court during a time of grief.

Avoid the risks of DIY estate planning and talk to our dedicated estate planning team. Please reach out to us to schedule a time to meet.

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Four Ways You Can Help Your Mother Age in Place During National Elder Law Month

Tue, 11 May 2021 14:00:00 GMT

Did you know that, each May, attorneys across America participate in National Elder Law Month? May is also the month where we celebrate Mother’s Day! If you are interested in discovering ways to help Mom age in place and you have been searching for strategies, now may be the perfect time to reach out to an elder law attorney in your area. An elder law attorney can assist you in supporting your aging parents and develop, among other things, a long-term care plan for your parents that prepares them for the costs associated with nursing homes and other long-term care facilities. You may also find resources through the attorney’s office that will help Mom age in place. Let us discuss four ways to help Mom age in place during National Elder Law Month.

1. Find Community Resources. Look into organizations for seniors in your community that may provide a social outlet for Mom if she decides to age in place in her own home rather than moving to a senior or retirement community. It can often be isolating to age in place, even more so if your Mom is not close with neighbors. Many towns and cities, however, have community centers with special programming for older residents to alleviate the changes and bring seniors together.

2. Set Up Mom’s Home. Aginginplace.org is an organization dedicated to helping families whose loved ones want to age in place. The Aging in Place website provides many resources for families who need assistance in figuring out how to adapt Mom’s home to fit her changing needs, which may mean installing ramps, changing up the bathroom, and moving Mom’s bedroom downstairs if it is not already on the main floor. This website, as well as others that may have a focus for your local area, also has information on finding a caregiver who is credentialed and able to provide services in Mom’s home.

3. Meet with an Elder Law Attorney. If Mom decides to age in place, it may be wise to meet with an attorney who can guide her through how best to plan ahead on a number of legal matters. If she passes away while still owning her home, an attorney may have advice on how to pass it on to you or your sibling, or otherwise divide up her estate, without creating too much stress.

4. Have Contingency Plans. You may do your best to help Mom age in place, but there may come a time when she needs more care than you can provide at her home, even with paid help. Discuss what she wants to do if this happens and whether assisted living or a nursing home may be the right choice in that scenario.

For assistance during National Elder Law Month and beyond, our office is here to help. Please reach out to us today to schedule a meeting time .

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Plantation Attorney Bobbi Meloro Selected as 2020 Florida Super Lawyer

Mon, 08 Jun 2020 13:01:00 GMT

FOR IMMEDIATE RELEASE

Contact: 06/05/20

Bobbi Meloro (954) 577-1010

bobbi@melorolaw.com

Plantation Attorney Bobbi Meloro Selected as 2020 Florida Super Lawyer

PLANTATION, FL. (June 5, 2020) – Plantation attorney Bobbi L. Meloro has been selected to the 2020 Florida Super Lawyers list for the second year in a row. No more than five percent of the lawyers in the state are selected by Super Lawyers.

Ms. Meloro practices several areas of law at her firm, Meloro Law. In the area of elder law, she helps seniors protect their assets and qualify for Medicaid when needed to help pay for long term care. In the areas of commercial and business-related litigation, Ms. Meloro represents corporations of all sizes in lawsuits involving contract disputes and business law. Ms. Meloro has been practicing law for 21 years and, for the last 13 of those years, has maintained her law office in Plantation, where she also lives with her husband and three children. She has been an active volunteer at St. Gregory the Great Church, where she has been a parishioner since 1999, as a Girl Scout leader for 14 years and throughout the Plantation community and surrounding areas. To learn more about Ms. Meloro and Meloro Law, go to www.Melorolaw.com .

Super Lawyers, part of Thomson Reuters, is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The annual selections are made using a patented multiphase process that includes a statewide survey of lawyers, an independent research evaluation of candidates and peer reviews by practice area. The result is a credible, comprehensive and diverse listing of exceptional attorneys. The Super Lawyers lists are published nationwide in Super Lawyers Magazines and in leading city and regional magazines and newspapers across the country. For more information about Super Lawyers, go to www.SuperLawyers.com .

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City of Plantation Proclaims October as Special Needs Law Month

Mon, 07 Oct 2019 18:25:00 GMT

FOR IMMEDIATE RELEASE

Contact: 10/02/19

Bobbi Meloro (954) 577-1010;

bobbi@melorolaw.com

City of Plantation Proclaims October as Special Needs Law Month

PLANTATION, FL (October 2, 2019) – At its Council meeting on October 2, 2019, the City of Plantation and Mayor Lynn Stoner issued a proclamation recognizing October as “Special Needs Law Month.” The proclamation was given to Plantation resident and special needs attorney, Bobbi L. Meloro. In the area of special needs law, Ms. Meloro helps individuals with special needs and their families by protecting their assets through special needs trusts and by helping them to qualify for and obtain public benefits, such as Medicaid. Ms. Meloro has been practicing law for 20 years and, for the last 12 of those years, has maintained her law office in Plantation, where she also lives with her husband and three children. Ms. Meloro has been an active volunteer in the community at St. Gregory the Great Church, where she has been a parishioner since 1999, and as a Girl Scout leader for 14 years. In issuing this proclamation, the City follows the National Academy of Elder Law Attorneys (NAELA) which established October as “National Special Needs Law Month” as a grassroots effort to help people with disabilities and their families understand the importance of special needs planning and the legal services available to them through the attorney members of NAELA. Members of NAELA, like Ms. Meloro, are attorneys who are experienced and trained in working with the legal problems of aging Americans and individuals of all ages with disabilities. Upon joining, NAELA member attorneys agree to adhere to the NAELA Aspirational Standards. Established in 1987, NAELA is a non-profit association that assists lawyers, bar organizations, and others. The mission of the National Academy of Elder Law Attorneys is to educate, inspire, serve, and provide community to attorneys with practices in elder and special needs law. For more information about NAELA and its mission, visit www.NAELA.org . For more information about Ms. Meloro, go to: www.melorolaw.com .

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What Does an Elder Law Attorney Do?

Mon, 12 Aug 2019 05:22:00 GMT

The need for an elder law attorney Plantation came out of the necessity of dealing with the complicated maze of managing and paying for elder care. The average age of Americans is increasing which means more people needing long term care that involves home health aides, assisted living or nursing homes. This leads to increasing costs and the involvement of a complicated maze of insurers and other providers.

In addition to managing care, seniors have financial and legal affairs to settle. An elder law attorney helps seniors deal with all such issues. Their services include:

These are some of the services offered by an elder law attorney Plantation . In short, they help in arranging for all matters related to financial and medical care for seniors.

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Factors to Consider When Hiring a Medicaid Attorney

Fri, 09 Aug 2019 05:24:00 GMT

If you are worried about how you will manage your financial and health issues as you get older or about planning for the care of elderly loved ones, you’ll need to find a Medicaid attorney Plantation. It is best to address such matters early and as soon as possible, as waiting until these concerns become critical may be too late or can cause additional delays in proper care.

Your Lawyer needs to meet the following criteria:

Has experience dealing with Medicaid

A Medicaid attorney will have experience dealing with the government. As a government agency, Medicaid can be complex, and the case workers assigned to review applications are the government’s gatekeepers. An experienced attorney will be able to tell you whether you are eligible for Medicaid, will help you to qualify and will help you to apply for the variety of benefits offered by Medicaid. Not every elder law attorney focuses on Medicaid, so you should always ask.

Can help you in finding care options

Most elderly people, or their loved ones, looking for a Medicaid attorney Plantation also have long term care needs. This means looking for the right care options, such as assisted living, a home health aide, or a nursing home. An attorney should be able to advise you on these matters and help you find the options that best meet your needs and fall within your budget.

A practice dedicated to dealing with Medicaid

When selecting a Medicaid attorney, it is not sufficient to just check their experience in dealing with Medicaid-related cases. You should also check if their practice focuses in such cases. What percentage of their case load is concerned with Medicaid?

Help in other elder law fields

A good Medicaid attorney Plantation can help you with other elder law related matters, such as probate, planning wills, creation of trusts, helping with guardianship issues, and more. If you also need help with these issues, ask the attorney if they offer such services.

The post Factors to Consider When Hiring a Medicaid Attorney appeared first on Meloro Law .

What to Ask Your Medicaid Attorney before Hiring One

Thu, 11 Jul 2019 06:33:00 GMT

Qualifying for and applying for Medicaid and/or VA benefits can be complicated. A Medicaid attorney Plantation can help, but before you hire one, ask them the following questions:

How long have you been practicing law and what is your specialty?

While you will obviously want an experienced lawyer, choosing one whose practice specifically focuses on Medicaid and Elder Law is important.

What are your qualifications, and do you have the license to practice law?

Do not hesitate to ask them about their qualifications and whether they have the license to practice elder law in Plantation. It is always better to be sure than just assume this is the case. Unfortunately, many “medicaid planners” who are not attorneys try to do this work and make mistakes—mistakes that you pay for if your application is denied.

What percentage of your practice is dedicated to Medicaid and Elder Law related cases?
This will give you a fair idea of the firm’s involvement and work in Medicaid-related cases.

Do you have experience in litigation?

This is not required in most cases, but complications can arise. As such, you should ask the lawyer about their experience in litigation. Not every Medicaid attorney Plantation has litigation experience, and if you have to go to court for any reason, you will want an experienced attorney by your side.

What kind of fee schedule do you have?

Different firms have different ways of charging their clients. Some Medicaid attorney Plantation will charge by the hour, while some charge a flat fee. You should clarify exactly what services are included in the fee and specifically ask whether phone calls and emails are included.

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What an Elder Law Attorney Can Do for You

Wed, 10 Jul 2019 06:16:00 GMT

The United States has some of the best programs to help its aging population, particularly in managing health-related issues. But along with the availability of these programs, there are a few complications as well. Consequently, one needs an elder law attorney Plantation to deal with these issues. There are many ways an elder law attorney can help you:

Obtain government benefits to help pay for long term care: The cost of long term care (such as home health aides, assisted living facilities and nursing homes) is exorbitant. An elder law attorney Plantation can help you obtain government benefits (such as Medicaid and VA) to help ease the financial burden of this care. They will inform you of long-term care options, provide you the names of caregiving agencies and facilities, and help you qualify and apply for Medicaid and VA benefits.

Estate planning: Estate planning answers the question “what will happen to my property when I die?” You can (and should) make the decisions while you are able to do so by having an attorney prepare your will and the documents necessary to avoid probates, such as trusts and deeds. An elder law attorney Plantation will explain your options and draft the appropriate legal documents.

Incapacity planning: Incapacity planning answers the question “who will make my financial and healthcare decisions if I ever become unable to make such decisions for myself?” Two extremely important documents to have in place if you ever become incapacitated are a durable power of attorney and healthcare advance directives. An elder law attorney Plantation will draft such documents for you.

Guardianship: Guardianship is a last resort and is only needed if a person becomes incapacitated but has not executed incapacity planning documents. In such cases, a guardianship attorney Plantation can go to court and ask that a legal guardian appointed to make necessary financial and healthcare decisions for you.

The post What an Elder Law Attorney Can Do for You appeared first on Meloro Law .

Why You Need a Lawyer for Medicaid Planning

Wed, 03 Jul 2019 06:06:00 GMT

Medicaid is a critical healthcare program for seniors who need long term care. But do you need a nursing home attorney Plantation to plan your Medicaid? In a word, yes and the reasons are:

The nursing homes and the government have representation so you should too: Often clients tell me “the nursing home [or government case worker] said I don’t need a lawyer.” It is important to know that the nursing homes and the government are looking out for their own best interests, not yours. Your lawyer, unlike the nursing home and government case worker, will look out for YOUR best interests.

Medicaid is complex: Medicaid rules are complex. You may think you have done everything correctly based on your understanding, but you still may be denied. You can ask for a review, but the consequences of getting things wrong can mean the rejection of your application when you most need it and a long delay in obtaining benefits. It is best to get things right the first time.

Planning finances: Most nursing home attorney Plantation also help in asset transfers, creating trusts, saving family resources and in determining exempt assets. This planning is critical to qualify you for Medicaid, to protect assets from Medicaid recovery, and to maximize the use of your life savings.

To execute documentation: Various documents must be prepared for a person who needs long term care, including durable powers of attorney, healthcare advanced directives, and Medicaid applications. Missing documents or applications that are incorrectly filled out can result in your wishes not being followed or the denial of benefits or cancellation of care.

Advice: An experienced nursing home attorney Plantation has the knowledge and skills that can prove invaluable in planning for Medicaid. The initial planning will determine the type of care, and Medicaid coverage you will be eligible for. A lawyer can explain the options that are available and how they can be tailored to fit a client’s needs.

The post Why You Need a Lawyer for Medicaid Planning appeared first on Meloro Law .

When do You Need Medicaid Attorney Plantation?

Tue, 02 Jul 2019 06:03:00 GMT

Medicaid is a critical government benefit that helps seniors cover the exorbitant cost of long term care Medicaid attorney Plantation can help seniors qualify for and obtain this assistance

Understanding Medicaid: Anyone who has dealt with the government knows how cumbersome and confusing it can be to obtain public benefits. Applying for Medicaid is no different. There are limits in place on a person’s income and assets. A lawyer specializing in Medicaid can help you understand those limits and how to meet them and qualify for benefits.

Applying for Medicaid: A Medicaid attorney Plantation can help you navigate the entire application process from start to finish including applying for benefits, submitting supporting documents, communicating with government representatives, and if there is a denial for any reason, a lawyer will intervene on your behalf, file an appeal, and counsel you on the right course of action to take to get your coverage.

Caregiver advice: Sometimes a caregiver or guardian looking into Medicaid on behalf of a loved one may have been told that their loved one doesn’t qualify. The caregiver will need a M edicaid attorney Plantation to understand how benefits can be achieved.

The post When do You Need Medicaid Attorney Plantation? appeared first on Meloro Law .

Plantation Attorney Bobbi Meloro Selected as 2019 Florida Super Lawyer

Tue, 04 Jun 2019 15:18:00 GMT

FOR IMMEDIATE RELEASE
Contacts: 06/03/19
Bobbi Meloro
(954) 577-1010;
bobbi@melorolaw.com

Plantation Attorney Bobbi Meloro Selected as 2019 Florida Super Lawyer

PLANTATION, FL. (June 3, 2019) – Plantation attorney Bobbi L. Meloro has been selected to the 2019 Florida Super Lawyers list. No more than five percent of the lawyers in the state are selected by Super Lawyers.
Super Lawyers, part of Thomson Reuters, is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high degree of peer recognition and professional achievement. The annual selections are made using a patented multiphase process that includes a statewide survey of lawyers, an independent research evaluation of candidates and peer reviews by practice area. The result is a credible, comprehensive and diverse listing of exceptional attorneys.
Ms. Meloro practices several areas of law at her firm, Meloro Law. In the area of elder law, she helps seniors protect their assets and qualify for Medicaid when needed to help pay for long term care. In the areas of commercial and business-related litigation, Ms. Meloro represents banks and corporations of all sizes in lawsuits involving depositor disputes, contract issues, and business law. Ms. Meloro has been practicing law for 20 years and, for the last 12 of those years, has maintained her law office in Plantation, where she also lives with her husband and three children. Ms. Meloro has been an active volunteer in the community at St. Gregory the Great Church, where she has been a parishioner since 1999, and as a Girl Scout leader for 14 years.
The Super Lawyers lists are published nationwide in Super Lawyers Magazines and in leading city and regional magazines and newspapers across the country. Super Lawyers Magazines also feature editorial profiles of attorneys who embody excellence in their practice of law. For more information about Super Lawyers, go to SuperLawyers.com.

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Bobbi Meloro Recognized as Florida Legal Elite

Tue, 25 Jul 2017 17:50:00 GMT

Article Link.

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Bobbi Meloro quoted in the South Florida Business Journal

Sun, 25 Jun 2017 15:36:00 GMT

SOUTH FLORIDA (August 25, 2017) - The South Florida Business Journal published a 24-page report about the importance of including women in leadership roles especially at the higher level and the positive impact inclusion has on companies' bottom lines. In this article, Ms. Meloro draws on her experience as an elder law attorney to recognize how she and other attorneys can foster women’s leadership in the law.

Article Link.

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See Bobbi Meloro’s 2007 Outstanding Member Award presented by the National Association of Women Lawyers

Sun, 14 May 2017 17:34:00 GMT

http://www.nawl.org/p/cm/ld/fid=89

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Read the Peer Reviews for attorney Bobbi Meloro on Martindale.com

Sat, 13 May 2017 17:34:00 GMT

https://www.martindale.com/plantation/florida/bobbi-lee-meloro-802470-a/peer-reviews/?¤tPage=-42&pageSize=10

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