ADRC is a FREE service to help people learn about public and privately paid options to address aging or disability needs, or to help families and caregivers. Anyone in Oregon can use the service for themselves or their families.
To access the service, just call 1-855-673-2372, enter the elder's residence zip code, and get connected with the nearest ADRC office.
“When you are looking for information about services to address aging or disability needs, the Aging and Disability Resource Connection of Oregon can help you learn about public and privately paid options in your local community. The ADRC has trained professional staff who can help you and your family with immediate needs, or help you plan for the future. The ADRC of Oregon is a statewide resource for everyone, regardless of income level, and can be reached by calling a toll-free number, visiting a website, or by contacting a local ADRC office.”
Saw a great comment today by a lawyer who is struggling hard to solve a very difficult (and, now, expensive) estate administration problem involving title to real property.
The problem was created by the now-deceased parents of his clients; those parents probably saved all of a few hundred bucks on lawyer fees by doing their own estate planning.
The lawyer's comment:
"You don't always get what you pay for, but you seldom get what you don't pay for."
One of the most common things old geezers like me say when they look back at high school is
"Why didn't someone tell me this!?!
It would have saved me so much hassle. How come nobody warned me?"
If you've reached age 18, grad or not, there are some pretty important things you need to take care of in the legal department.
But nearly every young adult has no idea what those key things are.
That's why I am offering "Adult Life 101" for all 18 year olds, especially new grads.
For just $50, I'll give you some key information and take care of a few "must do" legal things, so you can be better prepared to start the next chapter of your life, whatever direction you go. You can do this on your own, or you can bring your parents or a friend if you want. Call for an "Adult Life 101" appointment.
Oregon Adds Statewide Abuse Reporting Line:
Today we are happy to announce that Oregon has added another option for reporting suspected abuse of children and vulnerable adults. All our regular local hotline and reporting numbers will continue to take reports as usual, but we have added a single statewide number that provides another way to make these important reports. Oregon's abuse reporting hotline for children and adults, (855) 503-SAFE [855-503-7233], is up and running, and it provides callers with the ability to report suspected child abuse, elder abuse, abuse of people with physical or developmental disabilities, and abuse of people with mental illness or those experiencing a mental health crisis.
Callers will be directed that if the report is an emergency requiring immediate attention, to hang up and dial 911. If it is not an emergency, then callers will work through a simple phone tree to ensure their report gets to the right place for response, based on zip code and characteristics of the person they are calling about. Calls can be answered in English or Spanish. Once the calls are routed through the phone tree, they will be directed to local DHS or county offices for Child Protective Services and Adult Protective Services, County Developmental Disability Programs (CDDP) or County Mental Health Programs (CMHP) for response. Not all areas of the state will have a live person to take reports after hours, and some locations will provide voicemail reporting options.
All local hotline and reporting numbers will continue to take reports as usual, and the new line adds a single call option for those who want to use it. Oregon's abuse reporting hotline for children and adults is the result of two legislative workgroups, one on child welfare and one on elder abuse, which recommended a single hotline option to simplify reporting for Oregonians who are not familiar with the abuse reporting process. Mandatory reporters are often well aware of local reporting and hotlines and are responsible for most of the reports we receive. Citizens who may only make one or two calls in their lifetimes can be overwhelmed by the seeming complexity of agencies and numbers from which to choose.
(855) 503-SAFE [855-503-7233] will solve that problem by providing a single phone number anyone can call from any community in Oregon!
Good story to remind you of something crucial. Perhaps even more important than your will are all the designations you make over time that pass intangible property (financial accounts most often) outside the will. You should have a day every year where you review these -- the first business day after New Years or your birthday or wedding ( or divorce) anniversary ... Just so that every year you actually eyeball the names of the people who are slated to get the assets in those accounts should you die. There are many horror stories of what happens to survivors of people who fail to do this.
DHS has a new, free handbook you can download HERE (pdf). If you are an elder thinking about having a family member provide your care, or if you're a family member who is or may someday be asked to provide care for a family elder or other family member with a disability, this is a worthwhile resource.
Prof. Gerry Beyer of Texas Tech posted about the latest in his "Wills Trusts and Estates" blog. He writes:
"[R]everse mortgages allow individuals 62 and over to receive money from a bank [now] in return for their home upon their death. . . . Reverse mortgage rules are going to change, which could mean less available funds for borrowers. The changes can also lower the program's high default rate.
[New] rules are expected to go into effect as early as October 1. The changes will reduce the number of homeowners that will qualify for reverse mortgages and the maximum amount will be reduced as well.
People who apply before October 1 will qualify for the amounts under the rules now. Folks that are considering a reverse mortgage should act quickly if they want the current laws to apply."
The always-excellent PBS program "Frontline" focuses its lens on the state of assisted living facilities in America. Spoiler alert: It ain't pretty.
The second Oregon edition of
Preparing for Departure ®
will be offered this coming fall 2013, in conjunction with the Unitarian Universalist Congregation of Salem.
We are busy updating our material and revising the Oregon-specific provisions we added to the course outline last year with our first Oregon edition.
If you want to participate in this limited offering event and to be placed on the mailing list for updates and enrollment information about this powerful, one-of-a-kind course, complete the survey at this link and provide your contact information there: (Survey Link coming soon).
(hat tip to "The Housekeeping Report")
NCOA Issues Updated Guide for Seniors Considering a Reverse Mortgage
The National Council on Aging (NCOA) today issued the 2013 version of Use Your Home to Stay at Home™, the official reverse mortgage consumer booklet approved by the U.S. Department of Housing & Urban Development (HUD). The guide is designed to help seniors understand the pros and cons of a reverse mortgage. Reverse mortgages allow homeowners who are 62 or older to convert home equity into cash while remaining in the home.
Amy Ford, director of NCOA’s Reverse Mortgage Counseling Services Network, called the guide “an older homeowner’s best resource when it comes to examining whether a reverse mortgage is right for them.”
A free copy of the guide is available (download the pdf by clicking here).
John Gear is a Salem attorney in solo practice