Sivia Legal Services Blog

Paying for Long-Term Care | Elder Law Advice

Posted by Sivia Law on May 22, 2019 12:00:00 PM

It is hard enough for our Elder Law clients to make the decision to enter a loved one into long-term care – but add complex contracts, lack of legal understanding, and emotional unrest and it becomes easy for your client to become overwhelmed. What happens when the loved one doesn’t qualify for Medicaid, or cannot pay for services through other means? After the contracts are signed, and the loved one is tucked in to their new residence, who might be on the hook for financial expenses?

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Topics: Elder Law, elder law lawyer, elder care

Small Business Cash Crunch | Advice from your Business Law Attorney

Posted by Sivia Law on May 15, 2019 12:00:00 PM

For most small business owners, working long hours is something that is too familiar. After putting in such long hours, one would reasonably expect to yield great monetary benefits; however, this isn’t always the case. Periods of cash shortages happen, as Business Law attorneys we see it all the time. It even happens to us. The true question that presents itself in these tough situations is “what do I do next?”

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Topics: Business Law, Business Law attorney

How the Disability Employment incentive Act Re-Incentivized the hiring of Workers with Disabilities

Posted by Sivia Law on May 8, 2019 12:00:00 PM



Only 32.3% of workers with a disability are in the workforce even though sixty to eighty percent of people would like to work. Employment rates among individuals with disabilities are suffering. Barriers are preventing individuals with a disability to gain employment and contribute to the workforce. Some employers are hesitant to take on the expense and legal implications of employing an individual with disabilities- many of these businesses are also unfamiliar with the financial resources available to them. Congressional efforts to re-incentivize the hiring and retaining of employees with disabilities have come to fruition.

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Topics: disabilities

Will vs. Trust

Posted by Sivia Law on May 1, 2019 12:02:00 PM



When you spend most of your time working hard for your money its only natural that you want some control over what happens to your assets after you die. Even if you are a person with modest means, you have an estate and several strategies to choose form to ensure your assets are distributed according to your wishes and in a timely fashion: your estate plan. The right strategy for you depends on your individual circumstances. A living trust, for some people, can be a useful and practical tool. For others, it may be a waste of time and money. What is a living trust and how does it differ from a will?

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Topics: Living Trust, Will

4 Important Financial Planning Considerations If You Have a Child With Special Needs

Posted by Sivia Law on Apr 24, 2019 12:08:00 PM



An increase in life expectancy makes financial and retirement planning more challenging for everyone; no one more so than parents of a special-needs child, as a longer lifespan means increasing costs for both parents.

The lifetime cost to financially support someone on the autism spectrum is $1.4 million according to a Harvard study (2014). If that person has an added intellectual challenge, the number rises to $2.3 million.

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Topics: disabilities

4 Quick Tips for Spending Less Time On Work

Posted by Sivia Law on Apr 17, 2019 12:06:00 PM


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Topics: Business Owners

Four Ways to Ease Into a Caregiving Role

Posted by Sivia Law on Apr 10, 2019 12:03:00 PM



According to National Institute on Aging, November is National Long-term Care Awareness Month and most long-term care is provided at home by friends and family. Taking care of a loved one can be tough at times but it is also a rewarding task.

As we age, we will tend to need a little more help with everyday tasks. Eventually some people will find themselves being cared for by a close friend or family member. For many elders, the transition from an authority figure to a more subordinate role is a difficult one. The shift in power can oftentimes be a big adjustment for all that are involved.

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Topics: Caregiver

How Do You Know When It's Time to Sell Your Business

Posted by Sivia Law on Apr 3, 2019 12:02:00 PM



What will you do with your time, post-sale?

It is important to figure out what you are going to do after you’ve sold your business such as taking up a hobby, volunteering at an organization or traveling. You will need to give this some serious thought.

There will be time between when you decide you want to sell and the actual sale itself, so you will have about a year to contemplate what you are going to do in your next life.

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Topics: Business Owners

When Should A Special Needs Trust Be Updated

Posted by Sivia Law on Mar 27, 2019 12:02:00 PM



Special needs trusts (SNTs) are financial instruments designed to enhance quality of life for individuals with disabilities by supplementing the government benefits available to them. Assets that held in SNTs are not counted when determining an individual’s eligibility for means tested public programs such as Medicaid and Supplemental Security Income (SSI). Since personal circumstances change, it sometimes makes sense to update an SNT. But how can you tell when it’s time to modify one?

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Topics: special needs

How to Avoid Probate

Posted by Sivia Law on Mar 20, 2019 12:02:00 PM


Being able to pass along belongings to our children or loved ones is important to most people. Throughout our lives, we save and save to make life a little easier for the people we care about. The last thing anyone wants to do is to give a large portion of their hard-earned money to the government in the form of probate fee. Also, we don’t want our loved ones especially our spouses and children to wait months, even years to receive a dime.

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Topics: probate

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