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It’s February and therefore it’s time to celebrate National Senior Independence Month. Sadly, popular culture has never been kind to older folks.

From the loathly lady of Medieval tales to the aging (and therefore evil) stepmothers and hideous crones and witches of Regency and Victorian fairy tales to countless unflattering contemporary portrayals in films, tv shows, and books, characters of a “certain age” tend to be stereotyped, dehumanized, or completely absent. 

What does this have to do with the myths of aging?

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AdobeStock_637141132-300x168Few of us want to face up to the struggles advanced age can bring, much less plan for them. But since it’s a good bet that you’ll live longer than previous generations in your family, you have to ask yourself this question:

Will I be able to afford those extra years without demolishing my lifetime of saving when I need long-term care?

This is an important question since the cost of long-term care is a financial threat that can wipe you out in no time…especially in Connecticut.

So what do you do? Continue reading

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AdobeStock_271339643-300x200Not that long ago it was commonplace for multiple generations of a family to live together under a single roof. Everyone from grandparents to grandchildren benefitted from close relationships, shared experiences, and diverse perspectives. 

Today, multigenerational households are an anomaly rather than the norm, and we tend to think of different age groups as very distinct populations that — best case — have little to do with each other, and — worst case — antagonize each other. (Think “Boomers” vs. “Gen Z.”)

This state of affairs is unfortunate for everyone, because — as it turns out — when people from different generations play and learn together, it’s really beneficial for everyone involved. 

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AdobeStock_622668467-300x200It may seem odd to ask young parents to think about estate planning, but starting a family is actually the perfect reason to address some really important questions.

After all, becoming a parent isn’t just about choosing names and picking out nursery colors. It’s about being wholly responsible for someone else—a child—for life.

While it’s difficult to even contemplate the unthinkable, it’s imperative that new parents plan for every possibility to ensure that their children are protected, cared for, and financially secure.

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AdobeStock_57199720-300x300It’s often said that art imitates life. If that’s true of the popular movie, I Care a Lot, life can get pretty scary in the world of conservators and conservatorship.

Conservatorship is designed to protect a person who has, for any number of reasons, become incapable of managing his or her financial and/or personal affairs. Most people create a Designation of Conservator as a standard part of their estate planning.

In I Care a Lot, however, the film’s writers twist that idea to tell a rather dark (if humorously presented) story about what might happen if someone were to take advantage of such a situation.

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iStock_$GiftAs your parents age, their ability to take care of themselves will inevitably deteriorate over time. The changes may seem drastic, especially if you don’t see them often. How can you help them make their savings last and get the care they need where they want it – in their own home? A good plan with the help of an estate planning and elder law attorney can make all the difference.

Does this sound familiar?

There’s no place like home for the holidays. But now that the dishes are put away after the annual Thanksgiving feast, you begin to notice that Mom and Dad’s house is a little more chaotic than you remember.

You check in on them often by phone, but living several hours away from their home in Connecticut you don’t have much time for visits, except around the holidays.

Now, it’s pretty obvious that things are going downhill. Dad’s fine. Mom – the rock of the family – says she’s fine, too, but she has had a few falls recently and is having trouble Continue reading

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TerryLommeWe are pleased to welcome Attorney Terrance Lomme of Essex to our Czepiga Daly Pope & Perri team!

Terry brings more than 40 years of experience in helping clients on Connecticut’s shoreline with probate, zoning and real estate matters. Furthermore, Terry’s established peer network has given him opportunities to collaborate with many legal professionals as well, including Attorneys Carmine Perri and Paul Knierim of Czepiga Daly Pope & Perri.

And, as of 2023, Terry made it official, joining Czepiga Daly Pope & Perri as Of Counsel, which has enabled him to offer his clients another level of support and guidance in addressing their estate planning and elder law needs.

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AdobeStock_610049353-300x200In most cases, the Social Security benefits of a deceased spouse do pass to the surviving spouse, but there are some specific considerations to keep in mind when it comes to who is entitled to which benefits and how to apply for them. 

People are often unaware that they may be able to collect Social Security benefits from their deceased spouse — called survivors benefits — but it’s important to investigate the options as part of your financial planning. 

In addition to the surviving spouse, other family members — including certain children/dependents and parents of the deceased — may also be eligible. But for the purposes of this article, we will focus on spousal benefits. 

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AdobeStock_644647009-300x174In 2020 – as COVID-19 wreaked havoc on the economy and our very way of life – 2.4 million people who weren’t originally planning on it decided to retire. Two years later, in March 2022, more than half of those folks (1.5 million) had returned to work. 

This “unretiring” trend was the topic of research conducted by T. Rowe Price. Their survey-based Retirement Saving & Spending Study included the following highlights:

  • 20% of retirees are working either full-time or part-time.
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