The cost of long-term care can consume a person's assets if a carefully drafted estate plan is not in place. Order today to learn the skills you need to create an estate plan that meets your clients' needs.

1. What to Do When a Spouse is Confronting Health Issues - The Estate Plan
2. How to Protect an Elderly Client's Assets
3. Insurance to Fund All or Part of Long-Term Care Costs
4. Ethical Considerations When Representing the Elderly Client
5. Qualifying for Medicaid Long-Term Care Programs
6. Preserving Family Assets When Qualifying for Medicaid

1. WHAT TO DO WHEN A SPOUSE IS CONFRONTING HEALTH ISSUES - THE ESTATE PLAN
   9:00 - 10:15, Scott M. Nelson
   1. Client Interview
   2. How to Draft the Plan
   3. Asset Titling - Deed, Bank Accounts, and Life Insurance
   4. Changing the Will to Exclude the Disabled Spouse
   5. Durable Power of Attorney - Gift Giving Power
   6. Advanced Directives
   7. Sample Forms and Letters
2. HOW TO PROTECT AN ELDERLY CLIENT'S ASSETS
   10:30 - 11:30, Catherine R. Thatcher
   1. Trusts - Revocable, Irrevocable and Special or Supplemental Needs
   2. Life Estates
   3. Transfer on Death Deeds (TODDs)
   4. Gifts - MA Lookback Period, Tax Consequences
   5. Annuities, Life Insurance and Retirement Accounts
   6. Guardianships and Conservatorships
3. INSURANCE TO FUND ALL OR PART OF LONG-TERM CARE COSTS
   11:30 - 12:15, David A. Rephan
   1. What is Long-Term Care?
   2. Costs of Care and Funding Sources
   3. Understanding Long-Term Care Insurance Benefits
4. ETHICAL CONSIDERATIONS WHEN REPRESENTING THE ELDERLY CLIENT
   1:15 - 2:15, Catherine R. Thatcher
   1. Attorney' Expertise
   2. Conflict of Interest
   3. Competency
   4. Attorney's Due Diligence and Communication
   5. Retainer Agreements
5. QUALIFYING FOR MEDICAID LONG-TERM CARE PROGRAMS
   2:30 - 3:30, David A. Rephan
   1. Where Medicare Stops and Medicaid Begins
   2. Overview of the State Medicaid Programs
   3. Categorically vs. Medically Needy
   4. Medical Criteria - Level of Care Required to Become Eligible
   5. Assessing a Client's "Medical Need" and Level of Care for Medicaid Qualification Purposes
   6. Medicaid Planning Techniques
   7. Financial Criteria for Single and Married Applicants
   8. Exemptions for Protecting the Family Home
   9. Qualified Medicare Beneficiaries
6. PRESERVING FAMILY ASSETS WHEN QUALIFYING FOR MEDICAID
   3:30 - 4:30, Scott M. Nelson
   1. Most Common Medicaid Misconceptions
   2. Implications of Gifts During the Look Back Period
   3. Options for "Spenddown" of Excess Property - Unique Problems Associated With Disposal of Excess Assets
   4. Myths About the "Spenddown" Requirement
   5. Protecting Assets for a Disabled Child
   6. Retroactive Benefits
   7. Estate Recovery

SCOTT M. NELSON is an attorney in the Minneapolis law firm of Mackall, Crounse & Moore, PLC, where his areas of practice are estate planning, probate, taxation, closely held business law, business succession planning, family business law, wealth preservation and elder law. He earned his B.S. degree from St. John's University and his J.D. degree, magna cum laude and Order of the Coif, from the University of Minnesota Law School. Mr. Nelson is a member of the Hennepin County, Minnesota State and American bar associations, the State Bar of Wisconsin, the Minnesota Society of Certified Public Accountants, the American Institute of Certified Public Accountants, and several professional and nonprofit organizations.

DAVID A. REPHAN is a partner at Chestnut Cambronne PA. In his 18 years of practicing law, he has focused primarily in the areas of elder law, disability law (including special needs trust law), government benefits law and veterans law. Mr. Rephan has successfully litigated class actions and individual actions on behalf of government benefits recipients. He also has participated in successful legislative initiatives to increase the rights of persons appealing to the Minnesota Department of Human Services, as well as other rights of government benefits recipients. Mr. Rephan earned his B.A. degree from Yeshiva University and his J.D. degree from Touro Law School. He is a member of the National Academy of Elder Law Attorneys and the Minnesota State Bar Association (Probate and Trust Law and Elder Law sections). Mr. Rephan also has taught at numerous legal and community education seminars.

CATHERINE R. THATCHER is the founder and president of Thatcher Law Firm PA, where she practices in the areas of estate planning, probate, real estate and business law. She has extensive experience in all types of elder law, including guardianships and conservatorships and Medicaid planning. Ms. Thatcher is a member of the Minnesota State Bar Association (Probate and Trust and Real Estate sections). She also is a member of the Hennepin County Bar Association and recently published an article entitled "Potential Pitfalls of Putting Your Children on the Title to Your Real Estate" in Hennepin Lawyer Magazine. Ms. Thatcher earned her B.A. degree from Northwestern University and her J.D. degree from the University of Minnesota.

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