Tuesday, September 1, 2015
Legislation Will Improve Oversight & Care in NJ Nursing Homes
By Paul Nichols
Assembly Democrats Angelica Jimenez, Joseph Lagana and Raj Mukherji have proposed legislation to improve oversight and the quality of care for the elderly in New Jersey nursing homes.
The bill (A-4636) would establish minimum certified nursing assistant-to-resident ratios for nursing homes.
"Hopefully these new standards will improve the level of service provided to nursing home residents in New Jersey," said Jimenez (D-Bergen/Passaic). "In turn, this will hopefully provide greater peace of mind for both residents and their loved ones."
Under current regulations, the Department of Health requires nursing homes to meet a minimum number of hours of direct care staff-to-resident time per day.
"Mandating specific certified nursing assistant-to-resident ratios will create more precise, enforceable standards," said Lagana. "Ultimately, this will raise the bar for the standard of care throughout nursing homes in New Jersey."
Under the bill, certified nursing assistant-to-resident ratios will be as follows:
1) one certified nursing assistant for every six residents on the day shift;
2) one certified nursing assistant for every nine residents on the evening shift; and
3) one certified nursing assistant for every 14 residents on the night shift.
"Seniors and their loved ones deserve the comfort of knowing that there is a sufficient level of staff to tend to their needs," said Mukherji (D-Hudson). "Hopefully this will minimize the chance for neglect and improve the overall quality of life for aging residents."
The bill also sets forth a methodology for computing the appropriate ratio, and provides that a nursing home that experiences an increase in resident census is exempt from increasing the number of certified nursing assistants for nine consecutive shifts.
Nothing in the bill would affect any other minimum staffing requirements as may be mandated by the Commissioner of Health for nursing home staff other than certified nursing assistants, and nothing in the bill would prohibit a nursing home from establishing staffing levels above the established minimum.
The legislation has been referred to the Assembly Human Services Committee.
Full Article & Source:
Legislation Will Improve Oversight & Care in NJ Nursing Homes
Kim Hone-McMahan: Be a guardian and friend to the lonely through volunteer program
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| Margie Newell & Lynn Spencer |
By Kim Hone-McMahan
They just may be the loneliest of the lonely in our community. They have no family or friends, or at least none who can care for them. They are unable to make important decisions for themselves. They are indigent. And they live in nursing homes where no one comes to visit.
They are adults who are wards of the Summit County Probate Court.
Concerned about these folks, Judge Elinore Marsh Stormer created the Volunteer Guardian Program, which pairs caring souls with those in need.
Imagine being alone. Maybe you have a physical or mental health illness and no one in your life who steps up to help you. Perhaps you’ve had a stroke or are someone who is mentally challenged. There are many scenarios, and the need for guardians is equally great.
“It’s a guardian’s job to make sure that a person is getting the care that they need,” explained Gizelle Jones, executive director of Jewish Family Service, which was selected to implement the program that began last year. “Nursing homes offer a variety of challenges so if you are not in decent mental health and unable to advocate for yourself … you need someone to help you.”
That’s where you come in. If you have been looking for a volunteer opportunity to change someone’s life in a significant way, this may be for you.
During a recent visit to Seasons Nursing and Rehabilitation Center in Stow, guardians Lynn Spencer of Munroe Falls and Jay Regallis of Wadsworth were visiting their new friends.
Jay, whose paying job is in sales and marketing for Servpro and who has volunteered helping the elderly in other ways, broke out in song. Odie Zickefoose, 56, who lives at the home, enjoys reminiscing about the old days, particularly chatting about songs from the ’60s and ’70s.
“And it burns, burns, burns, the ring of fire, the ring of fire,” Jay sang, to Odie’s delight.
A few feet away, resident Margie Newell, 55, was chatting with Lynn, who visits her about once a week. Sometimes they go to the park or the fair. Margie has even met Lynn’s family.
“I would recommend it for people who want to volunteer. It is a blessing spending time with Margie,” said Lynn, the retired director of a nonprofit organization that helped victims of domestic violence and sexual assault in the Virgin Islands. “It works both ways — she gets something from me being here and I get something. We are companions for each other and share experiences together.”
As Lynn spoke, Margie grinned, adding, “I adopted her as my mom.”
Jennifer Mesko-Kimmich is program director of volunteers. She makes certain that the men and women who donate their time receive any help needed to do the best jobs for their wards, who are thrilled to receive visits from their guardians.
More people like Lynn and Jay will be needed.
“As our population is aging, we have people who are having physical problems … or the deterioration that comes with age,” explained Stormer. “The need grows every year. Most of the time, we can find a family member who is willing to take on the responsibility. But sometimes we have family members who are not appropriate or unable to care. And that’s why we turn to volunteers.
“We welcome anyone who has the heart to do this,” she added. “The training is available; they don’t have to have any prior experience.”
Volunteers must be 21 or older, have their own transportation and visit their ward once a month. A background check is done and volunteers must complete three hours of court-mandated training. That’s not much to change someone’s life.
If you’ve been thinking of volunteering, please consider this opportunity to help the loneliest of the lonely.
For more information, call 330-867-3388.
Full Article & Source:
Kim Hone-McMahan: Be a guardian and friend to the lonely through volunteer program
How to Handle Sibling Rivalry Over Family Money and Avoid Probate Court
by Juliette Fairley
NEW YORK (MainStreet) — Mary Rose is more than $100,000 in debt to attorneys since her 59-year-old brother, Robert Nabity, reportedly placed their mother in the Omaha, Neb., House of Hope locked Alzheimer's facility two and a half years ago. “Even though my brother and his well-connected attorney are violating state statutes and guardian responsibility guidelines there have been no consequences, because the judge does nothing about it,” said Rose, who works as a nurse in Grand Island, Neb.
Since she was separated from her 83-year-old mother, the 43-year-old says she does not have an accurate accounting of her family’s assets and belongings. “About $40,000 in bonds have been redeemed, a life insurance policy was cashed in and a $20,000 policy was signed over to a funeral home even though mother’s burial arrangements were already paid for,” Rose says. “There’s more, but I don’t have an inventory.”
That’s because Rose claims her brother has disclosed only inaccurate and incomplete financial information.
“Mother was happy living with me in my home until he kidnapped her in 2012,” Rose says. “She had given me medical power of attorney in 1998, and now I have limited access to see her.”
Nabity through his attorney Lisa Line declined to comment about the case PR12-1422, which is venued in the Douglas County Courts.
“I am allowed to visit my mother every Tuesday between 11:30 a.m. and 7:30 p.m., but I have to pay a monitor $50 an hour to supervise my visits with her,” says Rose, who lives five hours away by car roundtrip. “This is hard for my children, because they are in school until 4 p.m., so by the time we get there, it’s 6:30 and then we have to drive back for school the next morning.”
When it comes to wills, trusts and probate court, brothers and sisters can become the worst of enemies without best practices in place.
[A]ging parents often suffer the most when their adult family members are at war.
“My poor mother is locked up, isolated, drugged and kept away from her family, friends and the outside community," Rose says. "There is no medical research to back up or support that this is the best way to care for the elderly."
One way to avoid disputes over inheritance or family wealth is by spelling out wishes in a trust document.
"In addition to that, parents should make their intentions well known to all children well in advance," said Reno Frazzitta , founder and president of Secure My Funds, a retirement planning services firm.
To help families manage wealth, Merrill Lynch offers ten best practices, called Wealth Continuity and Family Unity. “By implementing these best practices, a family can understand who has a collaborative mindset and who may not want to participate,” says Michael Liersch, head of behavior finance at Merrill Lynch Wealth Management. “The key is to go into these discussions with a nonjudgmental, open mind so that all perspectives can be heard, which may facilitate the information flow needed to make the best decisions possible.”
[A]ging parents often suffer the most when their adult family members are at war.
“My poor mother is locked up, isolated, drugged and kept away from her family, friends and the outside community," Rose says. "There is no medical research to back up or support that this is the best way to care for the elderly."
One way to avoid disputes over inheritance or family wealth is by spelling out wishes in a trust document.
"In addition to that, parents should make their intentions well known to all children well in advance," said Reno Frazzitta , founder and president of Secure My Funds, a retirement planning services firm.
To help families manage wealth, Merrill Lynch offers ten best practices, called Wealth Continuity and Family Unity. “By implementing these best practices, a family can understand who has a collaborative mindset and who may not want to participate,” says Michael Liersch, head of behavior finance at Merrill Lynch Wealth Management. “The key is to go into these discussions with a nonjudgmental, open mind so that all perspectives can be heard, which may facilitate the information flow needed to make the best decisions possible.”
“The practice of creating a collaborative advisory team would be most related to the notion of helping a family member with a particular dysfunction,” Liersch says. “Pulling in the right expert for advice and guidance can help a family make the right decision for a loved one they are concerned about.”
Dysfunction among family members is often created by envy, jealousy and greed.
"The fires of sibling rivalry stoked with the flammable fuel of cash are almost impossible to extinguish," Sugar says. "Sadly, when lawyers become involved, it gets very ugly."
Full Article & Source:
How to Handle Sibling Rivalry Over Family Money and Avoid Probate Court
See Also:
NAGSA: Evelyn Nabity, Nebraska Victim
Monday, August 31, 2015
Memphis VA retaliates against Veteran who exposed neglect
MEMPHIS, Aug. 28, 2015 – The patient who leaked shocking videos showing paralyzed veterans left unattended at the Memphis VA says the only change since the video is that the hospital is now retaliating against him.
Last week, CDN broke the news that paraplegic and quadriplegic veterans at the Memphis VA are left alone while nurses attend staff meetings.
The story was first released on CDN, and then was picked up by the Fox News Channel, featured on Fox & Friends as well as on its website, sparking national outrage about lack of care at the VA.
Instead of rectifying a bad situation, hospital staff appears to have taken punitive action against the source of the video. Staff placed the patient, whose identity CDN is protecting for safety concerns, on bed rest after they speculated he could be responsible for the video. On bed rest, he is not allowed to move from his bed. “Before the videos, I was able to get up for an hour or so,” he told CDN. “I don’t understand why I can’t get up for an hour. It (moving around) helped with my mental health and with my overall outlook, I was able to go outside and get fresh air.”
The source noted, however, that there has been no change in terms of leaving patients unattended during staff meetings, which take place three times a day. “So far as I know it’s still the same thing. I’m in a room where I can actually see the front desk from my room.”
Willie Logan, the Memphis VA’s press representative, told CDN in its last story that a nurse was always at the nurse’s station and patients only needed to push a button to reach a nurse.
The source disagrees. He noted, “It’s apparent from the video that there is not somebody at the nurse’s station at all times. The room where they have that meeting is not a patient’s room so I’m not sure if they can hear the call.”
On the foxnews.com article, several commenters pointed out that a quadriplegic, someone paralyzed from the neck down, isn’t able to push a button.
A follow-up email to Logan on this issue was left unreturned, but the patient said shortly after the email was sent, several nursing managers who had never been in the ward before were working in the ward. “I’ve seen people in here I’ve never seen before,” he said. “They’re flipping beds and cleaning under mattresses and everything.”
Following the exposure, Paralyzed Veterans of America released a statement condemning the deplorable conditions. “This video speaks to a need that our organization has stressed to VA leaders, Congress and the public for quite some time: VA needs more nurses in specialized care services like spinal cord injury centers.”
The patient said his current care is indicative of the quality of care at the Memphis VA for years. “The treatment was so bad that I made up my mind not to come back,” he said of his experience four years ago.
Because of the severity of the injury, he said he was forced to get treatment at the Memphis VA because he didn’t have proper insurance for treatment outside the VA system.
Sean Higgins, the whistleblower who
brought these videos to the attention of CDN, said this case is a
microcosm of a bigger problem at the Memphis VA. “The situation in the
Memphis VA has been out of hand for quite some time. To care for those
who shall have borne the battle is clearly not the agenda at the Memphis
VA,” Higgins said in a text message to CDN. “We veterans see the
neglect from management that is filtered down to the staff that actually
cares for these veterans. We continue to see more of the same: deny,
delay, and hope you die before they have to pay.”
Full Article & Source:
Memphis VA retaliates against Veteran who exposed neglect
Ex-lawyer accused of hypnotizing women indicted on 27 charges
TOLEDO - A former Cleveland-area attorney accused of hypnotizing women for his sexual pleasure has been charged with kidnapping, sexual battery and gross sexual imposition following an investigation that began last fall.
Michael Fine was taken into custody Friday afternoon and
charged with 27 counts before being released on bond, according to
sheriff's records.
Police in the northeast Ohio village of Sheffield began investigating Fine after two women told investigators they believed they'd been hypnotized after losing track of time and being unable to recall meetings and phone calls with Fine. Police said they later recorded Fine using explicit language while talking to the women.
Fine's attorney, Robert Housel, said on Saturday that he was surprised by some of the charges. He also said that Fine had been undergoing medical treatment for quite a while.
Fine likely will be arraigned within the next week, Housel said.
Just over a week ago, Fine, 58, agreed to permanently surrender his law license, which means he no longer can practice law in the United States.
One woman told authorities she thought Fine hypnotized her numerous times on the phone and during meetings in his office and at conference rooms at the Lorain County Justice Center. She said she hired Fine in February 2013 for a custody dispute.
The woman decided to record phone conversations with Fine.
According to a motion filed by the Lorain County Bar Association, Fine used sexually explicit language during the calls, which ended with Fine and the woman discussing legal matters. She then took the recordings to Sheffield Lake police. According to the motion, she told investigators she didn't go to police earlier because she feared not being taken seriously.
Police officers and investigators from the county prosecutor's office wired the woman with video and audio recording equipment for a meeting in Fine's office last November, the motion said.
Investigators said they entered the room when Fine began discussing sex acts.
A second woman, who hired Fine in September to represent her in a divorce, told investigators that Fine discussed relaxation and meditation techniques during their first meeting and suspected that he tried to hypnotize her. The same thing happened in their next three meetings and afterward, according to the motion, the woman felt as if she'd lost time.
The second woman went to Fine's former law firm in early November when she learned he had not filed any paperwork in her case.
She told authorities that when she learned Fine was no longer with that firm, she told an attorney about her suspicions. The attorney advised her to contact authorities.
Police in the northeast Ohio village of Sheffield began investigating Fine after two women told investigators they believed they'd been hypnotized after losing track of time and being unable to recall meetings and phone calls with Fine. Police said they later recorded Fine using explicit language while talking to the women.
Fine's attorney, Robert Housel, said on Saturday that he was surprised by some of the charges. He also said that Fine had been undergoing medical treatment for quite a while.
Fine likely will be arraigned within the next week, Housel said.
Just over a week ago, Fine, 58, agreed to permanently surrender his law license, which means he no longer can practice law in the United States.
One woman told authorities she thought Fine hypnotized her numerous times on the phone and during meetings in his office and at conference rooms at the Lorain County Justice Center. She said she hired Fine in February 2013 for a custody dispute.
The woman decided to record phone conversations with Fine.
According to a motion filed by the Lorain County Bar Association, Fine used sexually explicit language during the calls, which ended with Fine and the woman discussing legal matters. She then took the recordings to Sheffield Lake police. According to the motion, she told investigators she didn't go to police earlier because she feared not being taken seriously.
Police officers and investigators from the county prosecutor's office wired the woman with video and audio recording equipment for a meeting in Fine's office last November, the motion said.
Investigators said they entered the room when Fine began discussing sex acts.
A second woman, who hired Fine in September to represent her in a divorce, told investigators that Fine discussed relaxation and meditation techniques during their first meeting and suspected that he tried to hypnotize her. The same thing happened in their next three meetings and afterward, according to the motion, the woman felt as if she'd lost time.
The second woman went to Fine's former law firm in early November when she learned he had not filed any paperwork in her case.
She told authorities that when she learned Fine was no longer with that firm, she told an attorney about her suspicions. The attorney advised her to contact authorities.
Full Article & Source:
Ex-lawyer accused of hypnotizing women indicted on 27 charges
The trials of collage artist Kasoundra Kasoundra
BY PENNY ARCADE, DANA DAVISON and MIKKI MAHER | A suffocating
and corrupt bureaucracy has grown up around social services for the
elderly. Guardians, social workers, financial managers and other
caregivers too often show a cavalier disregard for the welfare of their
charges. And don’t imagine for a moment that it is only lonely,
friendless, isolated denizens that become victims of abuse. If you are a
senior caught in this bureaucratic quagmire, even your best friends
can’t help you.
Consider the case of Kasoundra Kasoundra. This very
original New York Underground personality, now pushing 80, has been an
avant-garde artist for more than half a century. When she arrived in
Manhattan as a Midwestern college dropout in the early ’60s, she boldly
knocked on the doors of celebrities such as Hermione Gingold and Bob
Dylan simply to find out what made them tick.
Modeling at the Art Students League to earn her living,
Kasoundra inserted herself into the urban art underground, making
friends with its creative geniuses while she perfected her own
considerable talents as a witty collage artist. Brice Marden and Jonas
Mekas, among others, collected her artworks, and Maurice Gerodias,
founder of The Olympia Press, took her with him on trips to Europe.
Kasoundra hung out with the Alice’s Restaurant crowd at
the church in the Berkshires, and acted in Harry Smith’s “Mahagonny.”
Her poster of Harry looking at himself in his own eyeglasses is a
sought-after treasure.
Flash-forward to January 2011, when Kasoundra was
discovered lying on the floor of her kitchen and transported to Lenox
Hill Hospital by Adult Protective Services. Kasoundra’s boyfriend had
run off with her roommate, and despite her bad liver, Kasoundra had
consumed an entire quart of vodka.
When her friends finally located her
in the hospital, she was yellow with jaundice.
The physically feisty Kasoundra bounced back soon enough,
but she was transferred to the hospital’s psych ward because she
complained of depression. This proved to be a dangerous disclosure,
because from that moment forward, Kasoundra was never to enjoy her
freedom again.
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| A self-portrait collage by Kasoundra Kasoundra. |
Although she has fought valiantly through three years of
court hearings with three successive judges, Kasoundra remains marooned
in a nursing home in New Rochelle with little hope of ever regaining her
liberty. How could this happen?
Kasoundra’s trials began with her
landlord. As she stayed in the psych ward month after month, her rent
fell increasingly behind, and the landlord sued for eviction. Kasoundra
paid him $2,000 as a gesture of good faith until she could return home
and get her affairs in order, but the landlord was not appeased and the
eviction proceeding continued.
Kasoundra had lived for 30 years in a rent-stabilized
apartment on the Upper East Side, and under SCRIE (Senior Citizen Rent
Increase Exemption) she paid $684 a month. With a modest renovation,
Kasoundra’s four-room apartment —particularly in view of the new Second
Ave. subway line — might easily fetch $3,500 per month in today’s
inflated real estate market. Such apartments have become valuable assets
to landlords, who often pay rent-stabilized tenants thousands of
dollars to move out.
Although the hospital helped Kasoundra acquire a pro bono
lawyer to stave off her eviction proceeding, the better course might
have been to help her set up an automated bill payment plan at her bank
so her rent could be paid on a timely basis.
Kasoundra’s next problem was that her medical condition,
hepatic encephalopathy, caused her liver function to wax and wane. This
condition (and/or the medication taken for it) can cause symptoms of
grogginess and occasional forgetfulness — side effects that dissipate
once the liver returns to normal and the medication is discontinued.
In the meantime, the psych ward social worker was
reluctant to send Kasoundra home to her apartment, a three-flight
walk-up. The staff considered that she might be better off living in
Lott House, an elegant, assisted-living facility in her neighborhood,
where she could occupy a studio apartment and have her meals served in
the spacious dining room with windows overlooking Central Park.
Kasoundra loved the park, and had once been a volunteer gardener there.
An appointment was made for a visit to Lott House, but
after Kasoundra’s initial interview, her social worker sat on the
application for months. No one helped Kasoundra apply for “Community
Medicaid,” which, in view of her meager Social Security income, would be
needed to pay for homecare services or for her residency at Lott House.
Instead, the hospital applied for and received a “hospital Medicaid”
payment for the hefty bill Kasoundra now owed the hospital.
As the year drew to a close, Kasoundra’s social worker,
who was about to retire, was under pressure to dispose of her cases.
Because Community Medicaid had not been set up, Kasoundra could neither
return home nor move into Lott House, and her social worker decided to
dispense with the problem by seeking a court-appointed guardian under
Article 81. For this purpose, Kasoundra was given the short form of the
R-Bans Mental Status Test, and the social worker said afterward that
Kasoundra had performed poorly “on one component of the test.”
On this flimsy basis, the hospital applied to the New York
State Supreme Court for a court-appointed guardian. Since Kasoundra had
been adopted and her adoptive parents had passed away, she had no one
who could intercede on her behalf or halt the impending termination of
her rights and ability to control her own destiny.
The first guardianship hearing took place
in December 2011. Although Kasoundra was never sent court papers (a
procedural violation), she asked one of her friends to inform the
judge’s clerk that she wanted a “trial by jury,” and that she did not
want the “court evaluator” to have access to her medical records, if the
evaluator was going to base a competency judgment on the results of the
paltry mental status test. Kasoundra was legally entitled to both of
these options, but her requests were ignored.
At the hearing, one of Kasoundra’s friends offered to
become her guardian, but the social worker spoke out against this
prospect, and the judge decided to appoint a professional guardianship
agency.
Ironically, just before the hearing took place,
Kasoundra’s latest liver test had come back “negative,” which meant that
her medication would be discontinued and her sporadic grogginess would
soon dissipate, which it subsequently did. But no doctor or social
worker from the hospital brought up the results of Kasoundra’s latest
liver test –– or its import –– at the hearing.
In her ruling, Judge Visitacion-Lewis stipulated that
Kasoundra should be returned home with appropriate homecare services
provided, or, if that proved too difficult because of the stairs,
Kasoundra should be placed in an assisted-living facility “in her
community.” (Since Lott House was the only such facility that accepted
Medicaid, it was not only the most desirable but also the only option.)
The judge also stipulated that the guardian should confer on all
important matters with Kasoundra and work closely with her friends to
insure that her needs were met. None of the judge’s directives were
followed.
Kasoundra’s third problem was her guardian, Judah Samet of
United Guardianship Services. Ignoring the judge’s orders, he promptly
whisked Kasoundra to a nursing home in New Rochelle — far from her
community and friends. Kasoundra was confined to a bed with a loud
buzzer that went off every time she tried to get out of bed. She
received no physical exercise, and soon her leg muscles began to
atrophy. Even after her friends discovered where she was, they were
unable to contact her because she had no working telephone. She remained
isolated and alone for months.
Full Article & Source:
The trials of collage artist Kasoundra Kasoundra
Sunday, August 30, 2015
Tonight on T.S. Radio: Katherine Hine - Who's Judging the Judges - Corruption in Our Courts
Guest: Katherine Hine, host of 3 weekly broadcasts on www.wljaradio.net.
Katherine Hine: The corruption in our courts has become so epidemic, so wide-spread and ingrained, that our courts are the last place to find justice.
Join us this evening as Katherine Hine of WLJA radio in Ohio joins the show to discuss just who is judging the judges?
You can call in to the show during the second part, by calling the above number and then hitting “1”.
Katherine will be talking about WLJA and the issues she and Pastor Caleb cover on WLJA, especially on Bedlam in America, God’s Healing Bounty, and Who Judges the Judges.
4:00 pm PST … 5:00 pm MST … 6:00 pm CST … 7:00 pm EST
LISTEN to the show live or listen to the archive later
Katherine Hine: The corruption in our courts has become so epidemic, so wide-spread and ingrained, that our courts are the last place to find justice.
Join us this evening as Katherine Hine of WLJA radio in Ohio joins the show to discuss just who is judging the judges?
You can call in to the show during the second part, by calling the above number and then hitting “1”.
Katherine will be talking about WLJA and the issues she and Pastor Caleb cover on WLJA, especially on Bedlam in America, God’s Healing Bounty, and Who Judges the Judges.
4:00 pm PST … 5:00 pm MST … 6:00 pm CST … 7:00 pm EST
LISTEN to the show live or listen to the archive later
Is Someone Casing Your Estate?
Unintended ‘heirs’ might pounce.
You likely have money, property and other items of value that you plan to leave to loved ones or charity. But do they know your plans? It’s important that you tell them — and sooner rather than later. Why?Because communication is one of several ways you can protect yourself from an insidious, all-too-frequent crime that is both underreported and underprosecuted, and which victimizes families of all social and economic levels.
I’m talking about inheritance theft.
No matter how smart you are or how stable your family, no one’s estate is entirely safe. Thieves are known to siphon assets from healthy, highly educated people about as often as they do those of the infirm and feeble-minded. And they get away with it because the thieves usually know the victims — and know the victims won’t prosecute.
In other words, the thieves are likely to be members of your own family. Inheritance theft can be hard to detect because thieves use whispered lies, fraud, psychological manipulation and forgery — acts hard to uncover and even harder to prove in court.
Some people never discover they were victimized or the thief convinces them that no theft occurred. Other victims are ashamed to reveal that a family member or close friend stole from them, and others don’t report losses to avoid publicity.
There are two types of estate hijackers:
Family members. Some steal because they want revenge after a lifetime of feeling neglected or abused; others feel compelled because of drug addiction, their own marital or family needs or financial strife; and some simply are greedy.
Outsiders. These include overly friendly strangers, some of whom assist the elderly or infirm to gain their trust; club or church friends; spouses from second marriages; caregivers or healthcare workers; someone who constantly criticizes or tries to portray someone as incompetent; anyone entrusted with handling another person’s money or financial affairs; anyone with a power of attorney; unethical executors of wills or trustees of trusts; and salespeople pushing financial products that are not in a client’s best interests.
How can you protect your estate and intended heirs from thieves and interlopers? While nothing can make you invincible, here are four ways you can help yourself and your parents avoid becoming victims of inheritance theft:
1. Prepare an estate plan. Documenting your desires for the disposition of your assets is the first step in preventing people from claiming you made verbal promises to them. Hire an estate attorney that you’ve vetted personally or who is referred to you by a trusted source.
2. Choose a trusted friend or family member to serve as your executor and/or trustee. And to help make sure he or she follows your instructions, distribute copies of your will and trust documents to at least one other heir — and preferably to all of them. If you feel uncomfortable letting others see your plans, require your executor or trustee to retain the services of an estate attorney (at your or your estate’s expense) to oversee matters. Instruct that the attorney be paid on an hourly basis rather than as a percent of the estate’s value. (Note: We don’t recommend that you name an attorney, bank or trust company as executor or trustee because they typically charge exorbitant fees, often as a percentage of the estate’s value. And they can be difficult or even impossible to fire — leaving your heirs helpless if they are unhappy with the costs or service.)
3. Keep all your legal and financial documents in a safe place, such as a safety deposit box or a fire-resistant home safe. Create digital backups.
4. If you make changes to your documents, inform all concerned. And that includes your independent, objective, fee-based financial advisor.
Originally published in Inside Personal Finance July 2012
Full Article & Source:
Is Someone Casing Your Estate?
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