What is Filial Law? Will it Affect You?

What is Filial Law? Will it Affect You?

In 29 States with filial responsibility laws create statutory liability for children of the long term care patients. In other words, take notice of the period of time between the patient of long term care runs out of money and when they can qualify for Medicaid.

In these 29 states, Indiana, Kentucky, and Ohio included, adult children of the patient can be legally responsible for the money owed to the facility. This is a law on the books within these 29 states but not enforced until May 2012 in Pennsylvania (Health Care & Retirement Corp. of America v. John Pittas).

With the federal and state governments running up debts, they may start to enforce the law more and more in the future. Whether you think states should seek to recover the expenses or not, you should be aware of the law.

Proper estate planning with a qualified estate planner can expose such liability.

Get Informed! For a complete listing of the states included go to:

http://blogs.wsj.com/law/2012/06/25/29-states-that-could-make-adult-children-pay-for-mom%E2%80%99s-care/

18th Annual So. Indiana Pass Attack 11/14 Charlestown, IN @teamhoopsdotcom @resultsphysio @LibertyMutual

Promo Video

18th Annual Air Raid 4 on 4 Flag Football Tournament Saturday November 14th, 2015 at the Clark County 4-H Fairgrounds in City of Charlestown, Indiana 47111...adult/youth/male/female/co-ed and all levels of talent divisions available...trophies, long sleeve shirts, skills contest for players and the public, music, food court with Zaxby's...referees, and much more...call the football hotline 502-819-4667 and/or go to www.teamhoops.com and click on football for more information..."IT'S SHOWTIME BABY!"
Special thanks to Zaxby's, Jay R. Jones, Cobblestone Hotel and Suites Charlestown Indiana, Sampan Screen Print, Printing All Stars, Zaxby's, Tony Duckwall, Brandon Darby, JJ Darby, Robbie Haywood, Patti Schmuckie Steier, Joe Cravens, Karen Allen, Karen Allen, Frankie Jones, Adrian Franklin, Stephon Tony Lewis, Haley Willett, Steve Brewer, Zaxby's, Zaxby's,News and Tribune sports, Greg Mengelt, Jana Janna Reynolds-Ross, Green Banner Publications, Louisville Prospects Foundation, Inc., Results Physiotherapy (@resultsphysio), Brandy Phillips, Jill Compton-Miller, Jenny Hibbs, Diane Stinnett, Liberty Mutual Insurance (@LibertyMutual), Matt Hatfield, and many, many more...thank you for your support!

Being a #Dad Rocks Because... @linkedinblogs @GoodMenProject @sjones110808

After reading the article from @GoodMenProject http://goodmenproject.com/families/top-10-reasons-being-a-dad-rocks/

I simply had to post something, here it is...

The thing about being a dad that I love the most is being there. Getting to see faces and expressions change. Seeing the quick glances from a child that only they & I share and know what they mean. I agree with +The Good Men Project there is never a dull moment. Memories that are built from movie nights, breakfasts in the mornings, soccer & ball games, those are things I will take with me once my time has passed. But until then, let the fun continue.

Whether talking about my boys when they were little or my girls, the amount of love is the same. Yes, boys and girls are different. But, they both dream, they both have goals, interests, likes, dislikes, and all are U of L fans, which is even better! Seriously, it is a challenge but it is one that I am excited about each and every day.

The old saying is 'short and sweet' and this is an example of that, for sure. But as being there is my the thing about being a dad that rocks, so is being able to write something like this and pass onto my children so that one day they can read and know what they mean to me. They can hear and now they can read the words.

(I picked this pic because it is one of my favorites of the girls, it shows their hands TOGETHER!)

With @teamhoopsdotcom @LibertyMutual @LouProspectsFou @JayRJonesLM @playpositive will be sponsoring/participating in the Nov 15th; more to come...

@playp

2016 Mickayla Harig Chairty #Golf Scramble at @OxmoorCC Sponsors include @LouProspectsFou @LibertyMutual @NavyFederal @SHIVELYSPORTS @UAW862 @JayRJonesLM @Jjsnider67

The 2016 Mickayla Harig Charity Golf Scramble

Saturday April 16th, 2016

at

Oxmoor Country Club

9000 Limehouse Ln, 

Louisville, KY 40220

 

 

Learn More by Clicking on the Links Below:

http://www.louisvilleprospectsfoundation.org/

http://www.louisvilleprospectsfoundation.org/#!mickayla-harig-fundraiser/c36r

Any past, current, or future @LouProspectsFou member may receive discounted rates w/@LibertyMutual home/auto #insurance rates. Contact the foundation for more...

Announcing for members of the Louisville Prospects Foundation, Inc. and #ProspectsAAU family a relationship with Liberty Mutual Insurance. This affinity relationship awards foundation members the opportunity to take advantage of auto/home discounted rates for your family.. All you need to do is contact the foundation for information to receive your non-obligatory quotes. 

www.louisvilleprospectsfoundation.org

Why is #insurance 'not cool?' #LIAM15 @lifehappens #socialmedia #homeowners

Recently, while attending a community event representing my company/employer, I had a brief but jovial conversation with three young ladies. This quick but mentally jarring encounter produced a comment from one of the young ladies. She said, "man insurance is so boring!" 

I'm relatively quick on my feet, usually can handle objections, and definitely experienced enough to formulate a thought provoking rebuttal but not this time! This time the comment left me in a mental daze. The biggest reason was because that is the perception and I'm sure while for most, it is reality. But why?

Certainly when you experience a loss in your family and that person is responsible for an income and there is an absence of life insurance, insurance would be cool. If a tree falls on the house and you don't have proper coverage, adequate insurance would be cool. Why as insurance professionals do we engage tactics, presentations, and conversations that make people feel bored? 

In marketing 101 we're taught to gain feedback from the consumers and when we do, we seem to be ignoring the state of boredom our clients may be in. So, my challenge to my colleagues and myself is to make insurance more appealing, make it more than just paperwork and coverage amounts. Get to know our clients, what interests they have and who they are outside of their profession and demographic. 

Segmenting the market is time-consuming but does not have to produce boredom. Let us attempt to make insurance more than a necessity. I enjoy what I do and a main reason is due to the fact I can engage with people and help them. I'm not boring and neither is the help I provide for others.