NJ MEDICAID PROGRAM ELIGIBILITY for nursing home

NEW JERSEY MEDICAID PROGRAM ELIGIBILITY
New Jersey Medicaid covers persons who are age 65 years or over and persons determined blind or disabled by the Social Security Administration or by the Division of Medical Assistance and Health Services. The individual must be a resident of New Jersey and a citizen of the United States or lawfully admitted for permanent residence.
COMMUNITY MEDICAID:
An individual is eligible for community Medicaid in New Jersey if his/her gross monthly income is equal to or less than $903 (the first $20 per month of income is excluded). Income includes, but is not limited to, Social Security income, veterans' benefits, pensions, annuities, interest, dividends, and payments from trust funds, and rental income from real property.
The current Medicaid resource maximum for an individual is $4,000. Countable resources include, but are not limited to, bank accounts, property other than principal residence, stocks, bonds, certificates of deposit, annuities, and cash surrender value of life insurance which exceeds $1,500 in face value.
Excludable resources include, but are not limited to, a home which serves as the individual's principal residence, life insurance which does not exceed $1,500 in face value, burial spaces, and burial funds not exceeding $1,500 (less excluded cash surrender value of life insurance and/or funds held in an irrevocable burial arrangement), one automobile to the extent that its current market value does not exceed $4,500, and one wedding and engagement ring.
INSTITUTIONAL MEDICAID:
In order to qualify for payment of institutional benefits, for example nursing facility care, under the Medicaid program in New Jersey, an applicant must meet not only the financial criteria, but also the medical necessity requirements. Each of these eligibility processes is complex and must be evaluated according to the applicant's individual circumstances. Considering these complexities, the general information which is being provided should only be used as a guideline.
The current Medicaid eligibility income standard for an institutionalized individual is $2,022 per month. If an individual's gross monthly income exceeds this Medicaid "cap," he or she is income ineligible for Medicaid. Income includes, but is not limited
Program eligibility – 4 page Revised 6/12/09

Medicaid Eligibility Page 2
to, Social Security income, veterans' benefits, pensions, annuities, interest, dividends, payments from trust funds, and rental income from real property. Once eligibility is established, full Medicaid coverage is provided. However, the individual's income must be applied to offset the cost of nursing facility care.
There are two Medicaid resource eligibility standards depending on the individual's income. If an individual's gross monthly income is below $903 (the first $20 per month of income is excluded), the current Medicaid resource maximum is $4,000. If an individual's gross monthly income is between $903.01 and $2,022, the current resource maximum is $2,000. Countable resources include, but are not limited to, bank accounts, property other than principal residence, stocks, bonds, certificates of deposit, and cash surrender value of life insurance which exceeds $1,500 in face value.
Excludable resources include, but are not limited to, a home which serves as a principal residence of a spouse or other dependent relative (if a home is not occupied by a dependent relative and the period of institutionalization is expected to be six months or less, the home may also be excluded), life insurance which does not exceed $1,500 in face value, burial spaces, and burial funds not exceeding $1,500 (less excluded cash surrender value of life insurance and/or funds held in an irrevocable burial arrangement), one automobile to the extent that its current market value does not exceed $4,500, and one wedding and engagement ring.
The spousal impoverishment provisions of the Medicare Catastrophic Coverage Act of 1988, effective October 1, 1989, provide that, if the individual requiring institutional services is married, the total countable resources of both members of the couple are counted except for those resources which are protected for the community spouse. The amount of resources which may be protected for the community spouse is the greater of 1/2 of the couple's resources or $21,912, not to exceed $109,560. Once eligibility is established for the institutionalized individual, the community spouse's resources are no longer counted. For married individuals whose current period of institutionalization began before September 30, 1989, resources may not be set aside for the community spouse and eligibility will be determined for the institutionalized individual counting only those resources owned by him or her.
The spousal impoverishment provisions of the Medicare Catastrophic Coverage Act of 1988 also provide that a penalty period of ineligibility for only institutional services will be imposed on those individuals who have transferred any resources for less than fair market value prior to the date of application for Medicaid. The look back period for the establishment of a trust is 60 months preceding the date of application for Medicaid.
On February 8, 2006, the provisions of the Deficit Reduction Act of 2005 allowed the period of ineligibility for resource transfers to be determined by dividing the uncompensated value of the transferred resource, which is also, know as the penalty divisor. The monthly penalty divisor is $7,282. The daily penalty divisor is $239.41, which is used to calculate days of ineligibility. There is also a progressive look back period commencing February 2009. Additional months will be added to the look back period until February, 2011, when a full 60 month look back period will be in effect.

Medicaid Eligibility Page 3
In addition, the spousal impoverishment provisions of the Medicare Catastrophic Coverage Act of 1988 provide that a deduction may be made from an eligible institutionalized individual's income, prior to the application of income to the cost of care, for the maintenance of the community spouse. The basic community spouse deduction is $1,821.25 per month. However, it is reduced by the community spouse's gross income, both earned and unearned. If the community spouse's shelter expenses exceed $546.36 monthly, the community spouse’s maintenance deduction limit will be increased by the amount of the excess. The amount of income made available to the community spouse is limited by the income of the institutionalized spouse, not to exceed $2,022 per month, less a personal needs allowance of $35.
NEW JERSEY CARE...SPECIAL MEDICAID PROGRAMS - MEDICALLY NEEDY SEGMENT:
An individual seeking institutional Medicaid whose income exceeds the Medicaid "cap" of $2,022, may be eligible for limited Medicaid coverage through the Medically Needy component of New Jersey Care...Special Medicaid Programs. The resource standard for Medically Needy for an individual is $4,000.
The above regulations regarding resources and spousal impoverishment provisions of the Medicare Catastrophic Coverage Act of 1988 are equally applicable to the Medically Needy program.
SUPPLEMENTAL SECURITY INCOME (SSI):
The Supplemental Security Income (SSI) program, administered by the Social Security Administration, is a federal program that provides monthly payments to eligible individuals who are 65 years of age or over and persons determined blind or disabled by the Social Security Administration. In New Jersey, individuals determined to be eligible for SSI will also receive full Medicaid benefits.
An individual may be eligible for SSI in New Jersey if his/her gross monthly income is equal to or less than $705.25 or $1,036.36 for a couple (the first $20 per month of income is excluded). The current resource maximum for an individual is $2,000 and $3,000 for a couple.
For more information, please contact the Social Security Administration at 1-800-722- 1213.
WHERE TO APPLY:
The Board of Social Services in the county in which the individual resides is responsible for the determination of eligibility for Medicaid in New Jersey. Enclosed is a listing of the County Boards of Social Services for your convenience. Please contact the appropriate office for information concerning the application process.
For further information, you may contact the Office of Eligibility Policy, 5 Quakerbridge Plaza, PO Box 712, Trenton, New Jersey 08625. The telephone number is (609) 588- 2556.

County Boards of Social Services

Atlantic County Department of Family & Community Development
P.O. Box 869 - 1333 Atlantic Avenue Atlantic City, NJ 08401
(609) 348-3001

Middlesex County Welfare Agency P.O. Box 509
181 How Lane
New Brunswick, NJ 08903

(732) 745-3500

Bergen County Welfare Agency 216 Route 17 North
17 Park Office Center, Bldg. A Rochelle Park, NJ 07662-3300

(201) 368-4200

Monmouth County Division of Social Services P.O. Box 3000 - Kozloski Road
Freehold, NJ 07728
(732) 431-6000

Burlington County Welfare Agency Human Services Facility
795 Woodlane Road
Mount Holly, NJ 08060-3335

(609) 261-1000

Morris County Division of Employment and Temporary Assistance
Offices of Temporary Assistance Program Services 340 West Hanover (Morris Township)
Mailing: P.O. Box 900
Morristown, NJ 07963-0900 (973) 326-7800

Camden County Welfare Agency
Aletha R. Wright Administration Building 600 Market Street
Camden, NJ 08102-8800
(856) 225-8800

Ocean County Welfare Agency
P.O. Box 547 - 1027 Hooper Avenue Toms River, NJ 08754-0547
(732) 349-1500

Cape May County Welfare Agency Social Services Building
4005 Route 9 South
Rio Grande, NJ 08242-1911

(609) 886-6200

Passaic County Welfare Agency
80 Hamilton Street
Paterson, NJ 07505-2060 ........ (973) 881-0100
Pompton Lakes .......... (973) 839-5705 Passaic.................... (973) 470-5038 Paterson .................. (973) 881-2529

Cumberland County Welfare Agency 275 North Delsea Dr.
Vineland, NJ 08360-3607
(856) 691-4600 Office of Aged/Disabled .............. (856) 453-8066

Salem County Welfare Agency 147 South Virginia Avenue Penns Grove, NJ 08069
(856) 299-7200

Essex County Department of Citizen Services Division of Welfare

18 Rector Street – 9th floor Newark, NJ 07102

(973) 733-3000

Somerset County Welfare Agency P.O. Box 936 - 73 East High Street Somerville, NJ 08876-0936

(908) 526-8800

Gloucester County Welfare Agency 400 Hollydell Drive
Sewell, NJ 08080-9198

(856) 582-9200

Sussex County Division of Social Services 18 Church Street, P.O. Box 218
Newton NJ 07860-0218
(973) 383-3600

Hudson County Division of Social Services Department of Welfare
257 Cornelison Ave.
Jersey City, NJ 07305 ................. (201) 420-3000

Union County Division of Social Services 342 Westminster Avenue
Elizabeth, NJ 07208-3290
(908) 965-2700

Hunterdon County Division of Social Services Community Services Center, 6 Gauntt Place Flemington, NJ 08822
Mailing: Hunterdon County Dept. of Human Services P.O. Box 2900
Flemington, NJ 08822
(908) 788-1300

Warren County Welfare Board Court House Annex
P.O. Box 3000 – 501 Second Street Belvidere, NJ 07823-3000

(908) 475-6301

Mercer County Welfare Agency
200 Woolverton Street PO Box 1450 Trenton, NJ 08822-2900

(609)9894320

Revised 7/1/09
source http://www.state.nj.us/humanservices/dmahs/clients/medicaid/medicaid_program_eligibility.pdf 

NJ spreme court oks denial of medicaid to legal aliens Manuel Guaman, et al. v. Jennifer VelezAnnotate this Case

NJ spreme court oks denial of medicaid to legal aliens

Manuel Guaman, et al. v. Jennifer Velez

Annotate this Case

 Manuel Guaman, et al. v. Jennifer Velez, Commissioner of New Jersey Department of Human Services, et al. (A-87-13) (073371)

(NOTE: The Court did not write a plenary opinion in this case. Instead, the Court affirms the judgment of the Appellate Division, substantially for the reasons expressed in Judge Reisner s majority opinion reported at 432 N.J. Super.230 (App. Div. 2013). Two members of the Court dissent, substantially for the reasons expressed in Judge Harris s dissenting opinion reported at 432 N.J. Super.230, 249 (App. Div. 2013).)

Argued February 2, 2015 -- Decided March 30, 2015

PER CURIAM

In this appeal, the Court considers whether, consistent with the United States Constitution and the New Jersey Constitution, the State may eliminate state-funded Medicaid benefits for adult legal permanent resident aliens who, because they do not meet the federal five-year residency requirement set forth in the Personal Responsibility and Work Opportunity Reconciliation Act (PRWORA), 8 U.S.C. 1601-1646, do not qualify for federally-funded Medicaid benefits.

U.S.C. 1601(3). PRWORA, in part, excludes lawfully admitted permanent resident aliens from receiving any Federal means-tested public benefit for a period of five years following their entry into the United States. 8 U.S.C. 1613(a).

New Jersey responded to PRWORA by excluding legal aliens from the Medicaid program unless they satisfied the Federal five-year residency requirement. In 2005, however, the State deleted the residency requirement in light of findings that limiting State subsidized healthcare coverage had resulted in increased costs for emergency hospital charity care. In 2010, due to a budget crisis, the Senate reinstated the five-year residency requirement for most adult legal aliens, continuing to provide coverage only for legal aliens who were pregnant women or children under the age of nineteen and for existing enrollees receiving on-going life sustaining treatment or treatment for life threatening illnesses. Additionally, per Medicaid Communication 10-01 and N.J.A.C.10:78-3.2, legal resident aliens who did not meet the residency requirement were terminated from enrollment in the NJ FamilyCare Program, a state-funded Medicaid program offering subsidized health insurance to qualifying low-income adults and children.

2 On January 11, 2011, the Appellate Division granted plaintiffs, who are legal resident aliens who have resided in this country for less than five years, leave to file a motion for emergent relief seeking to enjoin the enforcement of the termination of their enrollment in FamilyCare. Plaintiffs contended, in part, that the termination of their benefits violates the equal protection guarantees of the Federal and State Constitutions. On July 12, 2011, the Appellate Division denied plaintiffs motion for a preliminary injunction, Guaman v. Velez, 421 N.J. Super.239 (App. Div. 2011) (Guaman I), and this Court denied plaintiffs motion for leave to appeal.

2 On August 13, 2013, the Appellate Division issued a published opinion affirming the adoption and amendment of the relevant regulations and finding that the challenged policy does not violate either the Federal or State Constitutions. Guaman v. Velez, 432 N.J. Super.230 (2013) (Guaman II). The panel noted that it agreed with the legal analysis in Guaman Iand that the opinions should be read together. It further explained that, although discrimination against aliens ordinarily must be justified under a strict scrutiny standard of review, Congress s broad constitutional power over immigration means that the rational basis standard of review applies to Congressional enactments affecting immigrants and to state enactments authorized by a uniform federal policy. In support of this conclusion, the panel referred to Mathews v. Diaz, 426 U.S.67 (1976), in which the United States Supreme Court reinforced the deference due to Congress s authority over immigration-related benefit issues, noting that, not only may Congress treat aliens differently from citizens, but it may differentiate between different classes of aliens in determining how to distribute welfare benefits. The Court also determined that it is unquestionably reasonable for Congress to base an alien s eligibility on the character and duration of his residence. Likewise, in Plyler v. Doe, 457 U.S.202 (1982), the Court determined that if the Federal Government issued a uniform rule prescribing appropriate standards for the treatment of an alien subclass, states may follow that direction.

Considering the uniform rule doctrine in the context of PRWORA, the Appellate Division panel noted that 8 U.S.C. 1601(7) expresses Congress s finding that important national immigration policy is furthered by state statutes that follow the Federal classification in determining the eligibility of aliens for public assistance. The panel points out that Congress s decision to leave the states some discretion to fund healthcare coverage for non-qualifying aliens does not necessarily mean that it created a non-uniform system. The question, then, is whether this statement of national policy, viewed in light of the overall structure of Medicaid, is sufficiently uniform to constitutionally authorize states to follow Congress s policy choice.

Viewing the uniform rule through a broad lens, the panel determined that when states conclude that they cannot afford to provide state Medicaid or Medicaid-like benefits to aliens, they are implementing Congress s choice that recent immigrants should not unduly burden the public treasury. Moreover, in the face of a congressional decision to cut off funding for a group of aliens, states cannot be required to restore that coverage using solely state funds. Here, there is no dispute that the State opted to exclude legal resident aliens from FamilyCare for solely financial reasons, rather than some invidious discriminatory purpose. Thus, the panel held that the State s action was authorized by PRWORA, falling within the umbrella of the uniform policies articulated in 1601, and that neither the Federal nor State Constitutions bar the State from acting consistent with PRWORA by denying Medicaid benefits to legal aliens who do not meet the five-year residency requirement.

Judge Harris dissented, unable to reconcile the termination of long-provided, state-funded health insurance benefits for thousands of impoverished resident aliens with the principles of equality guaranteed by the Federal and State Constitutions. Specifically, Judge Harris does not agree that the State s residency requirement is immunized by its mirroring of federal objectives, correspondence to an identifiable congressional policy, or harmony with the federal program. Consequently, Judge Harris would deem the regulations unconstitutional and would remand to the trial court to fashion appropriate remedies.

Plaintiffs appealed as of right.

HELD: The judgment of the Appellate Division is AFFIRMED, substantially for the reasons expressed in Judge Reisner s majority opinion.

CHIEF JUSTICE RABNER and JUSTICE ALBIN dissent, substantially for the reasons expressed in Judge Harris s dissenting opinion.

JUSTICES LaVECCHIA, PATTERSON, FERNANDEZ-VINA, and SOLOMON join in this opinion. CHIEF JUSTICE RABNER and JUSTICE ALBIN dissent. JUDGE CUFF (temporarily assigned) did not participate.

SUPREME COURT OF NEW JERSEY

What You Need to Know in New Jersey About Applying for Medical Assistance for the Aged, Blind and Disabled

What You Need to Know About Applying for Medical Assistance for the Aged, Blind and Disabled
When you apply for medical assistance you will be asked to provide documents containing information that can verify both your personal and your financial information. The more documentation you are able to provide the easier it will be to process your application. If some documents are not available, we may be able to verify information through outside sources. However, using outside sources may cause delays in processing your application. The following information explains what documents you will need to apply:
Basic Information:
In order to qualify for Medicaid you must be 65 years old or blind or disabled and either a U.S. Citizen or lawfully admitted for permanent residence (or certain eligible aliens) and a resident of New Jersey. Proof of your marital status is needed along with your spouse’s social security number and date of birth because the resources of your spouse will also be used in determining your financial eligibility. Listed in the columns below are examples of documentation that can assist in the processing of your application. Only one document from each column is needed. Be aware that some documents provide proof for more than one category. For example, a U.S. Passport will prove your age and citizenship and identity. Documents which should be included with your application include but are not limited to:

Age
US Passport Birth Certificate Driver’s License Baptismal Cert. State issued I.D.

Citizenship*
US Passport
Birth Certificate Naturalization Papers Alien Registration Card Final Adoption Decree

Identity*
US Passport Photo License School I.D.
US Military I.D.

Marital Status
Marriage Certificate Divorce Decree Death Certificate Separation Papers

*Consult with your County Welfare Agency to obtain a more detailed list of tiered verifications that can be accepted.
Financial Information:
You must meet certain income criteria and be resource eligible. The income can be earned, (receiving a pay check), or unearned (receiving interest from an investment account). Listed below are examples of documents that can prove how much money you receive each month. Documents showing income include but are not limited to:

Copies of Recent Pay Stubs
Copy of Temporary Disability Check Copy of SSI Check or Award Letter Copy of Unemployment Check or Stub Copies of Dividend Checks

Copy of Social Security Check or Award Letter Copy of VA Benefits Check or Award Letter
Copy of Worker’s Compensation Check or Letter Copy of Support/Alimony Checks or Award Decree Income Statement from Employer.

Verification 11/06 ver8C – DRA Mod.

Available Resources:
You are allowed $2,000/$4,000 in resources, (more if the applicant is married). In order to present the clearest picture of your financial situation, please bring copies of any of the following items:

*Checking Accounts *Money Market Accounts
Certificates of Deposit Retirement Accounts
Life Insurance Trust Shares

*Savings Accounts *Christmas Club Accounts
Annuities
Special Needs Trusts

*Credit Union Shares/Accounts *Vacation Club Accounts
Stocks or Bonds
Copies of Life Insurance Policies with cash value

*The last 3 months of statements or passbook entries for every financial account prior to applying for Medicaid must be provided. In addition, a sampling of 3 months worth of statements or passbook entries for those same accounts - or any closed accounts - for the past 4** or more years should be provided. You may be asked to provide additional statements if there has been a large amount of money removed or transferred from your accounts for any reason.
**The look back period has been increasing monthly from 3 to 5 years beginning March 2009 through February 2011.
Living Expenses:
If you are currently living with your spouse and one of you is applying for nursing home placement through the Medicaid Program, you will need to document your monthly living expenses. Some of the documents that you can provide to show your living expenses include, but are not limited to:

Copies of Rent Receipts Copies of Telephone Bills Copies of Water/Sewer Bills Health Insurance Bills

Copies of Mortgage Statements Copies of Real Estate Tax Bills Copies of Gas/Oil Bills Copies of Electric Bills
Renter Insurance Home Owner Insurance Unpaid Medical Bills Outstanding Loans

In addition to the documentation listed in the categories above please bring any documents that show you have designated a Power of Attorney or a Third Party Signator to help you with your finances. If you are a third party applying for an incapacitated individual, please include any Guardianship documentation.
You may be asked to provide information in addition to that which is listed in this document. The reason additional information may be requested is to insure that the County Welfare Agency has the most complete understanding of your situation as is possible. You will be helping them to provide you with the most suitable care for your circumstances.

Verification 11/06 ver8C – DRA Mod.

Nursing Home and Community Based Waiver Programs Check List
This is the type of information that you will need to bring with you when applying for Medicaid. The more information you are able to provide the faster your Medicaid application can be processed.

1. Proof of Age:
One of the following documents should be provided to verify your age:
US Passport
Birth Certificate Driver’s License Baptismal Certificate Other_____________

2. Proof of Citizenship:
One of the following documents should be provided to verify your citizenship:
US Passport
Birth Certificate Naturalization Papers Alien Registration Card Final Adoption Decree Other________________

3. Identity:
One of the following documents should be provided to verify your identity:
US Passport Photo License School I.D. US Military I.D.

4. Marital Status:
One of the following documents should be provided to verify your marital status: Marriage Certificate Separation Papers Divorce Decree Spouse’s Death
Certificate Other__________

5. Income
In order to verify your Income, please provide copies of all that are applicable:
applicable:
 Most recent pay stubs
 Social Security Check or Award Letter*
 Railroad Retirement Check or Award Letter*  Temp. Disability Check or Award Letter*
 Pension Checks
 Unemployment check stubs
 Workers Comp.check stubs
 Support/Alimony Checks or Court Order VA check or Award Letter*
 Reparation Payments
 Payments from Boarders
 SSI Award Letter
 Dividend Checks
 Federal Income Tax Returns
including schedules:
 Schedule C – Net Profit from Business  Schedule D – Capital Gains
 Schedule E – Rental Real Estate
 Schedule K-1- Partner’s Share of Income
 Other___________________________________ *Award Letter Preferred

6. Financial Resources
To provide the most accurate picture of your Financial Resources, you must provide copies of all that is

 Checking Acct. Statements  Stocks or Bonds
 Amount of Cash on Hand  IRA, 401K, 403B, Keogh
Accounts
 Money Market Accounts
 Deeds to Property Owned  Mortgages
 Christmas/Vacation Clubs  Burial Plot Information

 Savings Acct. Statements  Certificates of Deposit
 List of Valuables (jewelry,  Trusts or other Financial
Instruments  Annuities
 Property Proceeds
 Prepaid Funeral Contracts  Credit Union Shares
 Funds set aside for Burial

 Special Needs Trusts
 Life Insurance Policies with Cash Value Statement Life Insurance Trust Shares
 Other________________________________________

The following Living Expenses will be taken into account if the Medicaid recipient is placed in a nursing facility but the SPOUSE remains living in the community. Please provide copies of the following:

 Mortgage Statements
 Electric Bills
 Telephone Bills
 Outstanding Loans
 Other_________________ Verification 11/06 ver8C – DRA Mod.

 Real Estate Tax Bills
 Gas / Oil Bills
 Connection Charges
 Health Insurance Bills
 Other_________________

 Rent Receipts
 Water / Sewer Bills
 Home / Renter’s Insurance
 Unpaid Medical Bills (past 3 months) 
source http://www.state.nj.us/humanservices/dmahs/clients/medicaid/abd/abd_what_you_need_to_know.pdf

Wills & Power of Attorney Seminar Piscataway Seniors May 7 (piscataway nj)

Wills & Power of Attorney Seminar Piscataway Seniors May 7 (piscataway nj)

Wills & Power of Attorney Seminar
Piscataway Seniors
May 7 at 7 pm
John F. Kennedy Library, 500 Hoes Ln, Piscataway Township, NJ 08854

SPEAKER: Kenneth Vercammen, Esq. Edison, NJ
(Author- Answers to Questions About Probate)

The new NJ Probate Law made a number of substantial changes in Probate and the administration of estates and trusts in New Jersey.
Main Topics:
1. The New Probate Law and preparation of Wills
2. 2014 changes in Federal Estate and Gift Tax
3. NJ Inheritance taxes on estates over $675,000
4. Power of Attorney
5. Living Will
6. Administering the Estate/ Probate/Surrogate
7. Questions and Answer

COMPLIMENTARY MATERIAL: Brochures on Wills, "Answers to Questions about Probate" and Administration of an Estate, Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trusts.

Can't attend? We can email you materials Send email to VercammenLaw@Njlaws.com

Free Will Seminars and Speakers Bureau for Groups
10 years ago the AARP Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago established a community Speakers Bureau to provide educational programs to AARP and senior clubs, Unions and Middlesex County companies. Now, volunteer attorneys of the Middlesex County Estate Planning Council have provided Legal Rights Seminars to hundreds of seniors, business owners and their employees, unions, clubs and non-profit groups. These quality daytime educational programs will educate and even entertain. Clubs and companies are invited to schedule a free seminar. The following Seminars are now available:

Details on the 2 programs currently offered:
1. WILLS & ESTATE ADMINISTRATION- PROTECT YOUR FAMILY AND MAKE PLANNING EASY

2. POWER OF ATTORNEY to permit family to pay your bills if you are temporarily disabled and permit doctors to talk with family

All instructors are licensed attorneys who have been in practice at least 25 years. All instructors are members of the American Bar Association, New Jersey State Bar Association, and Middlesex County Bar Association. All programs include free written materials.

You don't have to be wealthy or near death to do some thinking about a Will. Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of state law.

Topics discussed include: Who needs a Will?; What if you die without a Will (intestacy)?; Mechanics of a Will; Selecting an executor, trustee, and guardian; Proper Will execution; Inheritance Taxes, Estate Taxes "Living Will"; Powers of Attorney; $13,000 annual gift tax exclusion, Bequests to charity, Why you need a "Self-Proving" Will and Estate Administration/ Probate.

Sample materials: Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney, Probate and Administration of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights.

SPEAKERS BUREAU
At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates. We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours.

HELP YOUR MEMBERS LEARN THE LAW, PREVENT OR AVOID LEGAL PROBLEMS
Chances are many of your members have been in a situation where they could have benefited from legal advice. Have you ever been in an accident? Has a motor vehicle or criminal complaint ever been filed against you or a member of your family? Many individuals face these and other types of problems. Often people do not protect their rights, only to later face lengthy license suspensions or even jail for failure to resolve legal problems early on. That's why Legal Rights Seminars are offered.
This means your members can get advice and possibly prevent legal problems before they occur. Most importantly, they can have peace of mind.

Americans need an attorney when legal problems strike. As in the case of medical services, early treatment can prevent catastrophe and its attendant cost in time and money. For example, psychological studies have demonstrated that there is a direct correlation between legal problems and lost work time and productivity. Employees' work performance often has a direct relationship to personal legal problems. Therefore, the sooner a solution can be found for the employees' problems, the sooner employees can focus on their work.

In today's complex world, few people can function successfully and safely without competent legal advice. In order to insure your estate plans are legally set up, you need to know exactly where you stand so that you can avoid possibly catastrophic mistakes impacting both you and your family. 

For additional information on the Legal Seminars, contact our Coordinator, Kenneth Vercammen's law office at (732) 572-0500 Send email to VercammenLaw@Njlaws.com or fax 732-572-0030.

Wills & Power of Attorney Seminar North Brunswick Seniors April 27

Wills & Power of Attorney Seminar

  North Brunswick Seniors

April 27 at 12:30

North Brunswick Senior Center, 15 Linwood Place, North Brunswick, NJ   08902

SPEAKER: Kenneth Vercammen, Esq. Edison, NJ

                (Author- Answers to Questions About Probate)

     The new NJ Probate Law made a number of substantial changes in Probate and the administration of estates and trusts in New Jersey.

Main Topics:

1. The New Probate Law and preparation of Wills    

2. 2014 changes in Federal Estate and Gift Tax 

3. NJ Inheritance taxes on estates over $675,000

4. Power of Attorney               

5.  Living Will                                  

6.  Administering the Estate/ Probate/Surrogate    

7. Questions and Answer          

      COMPLIMENTARY MATERIAL: Brochures on Wills, "Answers to Questions about Probate" and Administration of an Estate, Power of Attorney, Living Wills, Real Estate Sales for Seniors, and Trusts.

       https://www.facebook.com/events/812760442139524/

Can’t attend?  We can email you materials Send email to VercammenLaw@Njlaws.com

Free Will Seminars and Speakers Bureau for Groups

         10 years ago the AARP Network Attorneys of the Edison/Metuchen/Woodbridge area several years ago established a community Speakers Bureau to provide educational programs to AARP and senior clubs, Unions and Middlesex County companies. Now, volunteer attorneys of the Middlesex County Estate Planning Council have provided Legal Rights Seminars to hundreds of seniors, business owners and their employees, unions, clubs and non-profit groups. These quality daytime educational programs will educate and even entertain. Clubs and companies are invited to schedule a free seminar. The following Seminars are now available:

Details on the 2 programs currently offered:

1.  WILLS & ESTATE ADMINISTRATION- PROTECT YOUR FAMILY AND   MAKE PLANNING EASY

2. POWER OF ATTORNEY to permit family to pay your bills if you are temporarily disabled and permit doctors to talk with family

         All instructors are licensed attorneys who have been in practice at least 25 years. All instructors are members of the American Bar Association, New Jersey State Bar Association, and Middlesex County Bar Association.  All programs include free written materials.  

         You don't have to be wealthy or near death to do some thinking about a Will.  Here is your opportunity to listen to an experienced attorney who will discuss how to distribute your property as you wish and avoid many rigid provisions of state law.

         Topics discussed include: Who needs a Will?; What if you die without a Will (intestacy)?; Mechanics of a Will; Selecting an executor, trustee, and guardian; Proper Will execution; Inheritance Taxes, Estate Taxes "Living Will"; Powers of Attorney; $13,000 annual gift tax exclusion,  Bequests to charity, Why you need a "Self-Proving" Will and  Estate Administration/ Probate.

         Sample materials: Hand-outs on Wills, Living Wills/Medical Advance Directive, Power of Attorney, Probate and Administration of an Estate, Real Estate, Working with your Attorney, Consumers Guide to New Jersey Laws, and Senior Citizen Rights.

  SPEAKERS BUREAU

         At the request of senior citizen groups, unions, and Middlesex County companies and organizations, the " Speakers Bureau " is a service designed to educate citizens about how laws affect their lives and how the judicial system operates.  We have attorneys available to speak to businesspersons, educational, civic and social organizations on a wide range of topics during business hours.           

         HELP YOUR MEMBERS LEARN THE LAW, PREVENT OR AVOID LEGAL PROBLEMS

   Chances are many of your members have been in a situation where they could have benefited from legal advice.  Have you ever been in an accident? Has a motor vehicle or criminal complaint ever been filed against you or a member of your family? Many individuals face these and other types of problems. Often people do not protect their rights, only to later face lengthy license suspensions or even jail for failure to resolve legal problems early on.  That's why Legal Rights Seminars are offered. 

         This means your members can get advice and possibly prevent legal problems before they occur.   Most importantly, they can have peace of mind.

         Americans need an attorney when legal problems strike.  As in the case of medical services, early treatment can prevent catastrophe and its attendant cost in time and money.  For example, psychological studies have demonstrated that there is a direct correlation between legal problems and lost work time and productivity.  Employees' work performance often has a direct relationship to personal legal problems.  Therefore, the sooner a solution can be found for the employees' problems, the sooner employees can focus on their work.

         In today's complex world, few people can function successfully and safely without competent legal advice.  In order to insure your estate plans are legally set up, you need to know exactly where you stand so that you can avoid possibly catastrophic mistakes impacting both you and your family. For additional information on the Legal Seminars, contact our Coordinator, Kenneth Vercammen’s law office at (732) 572-0500, email VercammenLaw@njlaws.com or fax 732-572-0030.