Frequently Asked Questions

Seniors should be aware of several important legal aspects regarding their pensions:

• Understand your pension plan's terms and conditions thoroughly
• Be aware of tax implications on pension withdrawals
• Consider estate planning to designate beneficiaries for your pension
• Know your rights regarding pension fund management and potential disputes
• Stay informed about changes in pension legislation that might affect your benefits

We recommend consulting with a specialized elder law attorney to review your specific pension situation and ensure all legal protections are in place.

Proper inheritance planning is crucial for seniors to ensure their wishes are carried out and to minimize family conflicts. Key steps include:

• Creating a legally valid will with clear instructions
• Considering a living trust for more complex estates
• Designating beneficiaries for all financial accounts and insurance policies
• Understanding state inheritance laws and tax implications
• Planning for potential long-term care needs that might affect your estate
• Communicating your plans with family members to prevent misunderstandings

Seniors have several important housing rights and options to consider:

Rights:

• Protection against housing discrimination based on age
• Right to reasonable accommodations in housing for disabilities
• Protection from unfair eviction practices
• Access to housing assistance programs

Options:

• Reverse mortgages for homeowners
• Senior living communities with various levels of care
• Accessory dwelling units (ADUs) for multi-generational living
• Government-subsidized senior housing
• Home modification programs for aging in place

It's important to consult with a legal professional before making significant housing decisions to understand all implications and protections available to you.

Every senior should have these essential healthcare legal documents:

• Advance Healthcare Directive: Specifies your medical treatment preferences
• Durable Power of Attorney for Healthcare: Names someone to make medical decisions if you're unable
• HIPAA Authorization: Allows designated individuals to access your medical records
• Living Will: Outlines end-of-life care preferences
• POLST (Physician Orders for Life-Sustaining Treatment): Medical orders for emergency personnel

These documents should be reviewed periodically and especially after major life changes or health developments.

Seniors are often targeted by financial scams. Here are important protective measures:

• Never give personal or financial information to unsolicited callers
• Be skeptical of "too good to be true" offers
• Set up fraud alerts with your bank and credit agencies
• Consider appointing a trusted financial power of attorney
• Regularly review bank and credit card statements
• Be cautious of sudden "emergency" requests from family members (common in grandparent scams)
• Consult with an attorney before signing any financial agreements