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. Planning and Qualifying for State and Federal Long-Term Care Programs

1. WHAT TO DO WHEN A SPOUSE IS CONFRONTING HEALTH ISSUES – THE ESTATE PLAN
   9:00 - 10:30, Written by Heidi Stewart.
   Presented by Heidi Stewart in Asheville and Richard B. Sorrell in Charlotte.
   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
   10:45 - 12:00, Written by Larry S. Hartley.
   Presented by Larry S. Hartley in Asheville and Richard B. Sorrell in Charlotte.
   1. Drafting the Irrevocable Trust
   2. Impact of Medicaid Issues in Drafting Trusts
   3. Life Estate Deed With/Without Powers of Sale
   4. Using Annuities, Life Insurance and Retirement Accounts in the Estate Plan
   5. Revocable vs. Irrevocable Life Estates – Current Gifting Guidelines
   6. Income Tax Traps With Gifts
   7. Avoiding the Pitfalls of Guardianships
3. INSURANCE TO FUND ALL OR PART OF LONG-TERM CARE COSTS
   1:00 - 2:30, Written and presented by Betty A. Doll in Asheville and Charlotte.
   1. Defining Long-Term Care and the Costs of Care
   2. Funding Sources for Various Types of Care
   3. Understanding the Moving Parts of Policies and the Impact at Time of Claim
   4. Alternatives to Traditional Long-Term Care Policies
   5. New Options for the Uninsurable
4. PLANNING AND QUALIFYING FOR STATE AND FEDERAL LONG-TERM CARE PROGRAMS
   2:45 - 4:30, Written by Andrew D. Atherton.
   Presented by Andrew D. Atherton in Asheville and Natalie J. Miller in Charlotte.
   1. Where Medicare Stops and Medicaid Begins
   2. Overview of the State and Federal Long-Term 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. Financial Criteria for Single and Married Applicants
   7. Exemptions for Protecting the Family Home or Other Real Property
   8. Qualified Medicare Beneficiaries
   9. Implications of Gifts During the Look Back Period
   10. Options for “Spenddown” of Excess Property – Unique Problems Associated With Disposal of Excess Assets
   11. Medicaid Planning Techniques
   12. Protecting Assets for a Disabled Child
   13. Estate Recovery

ANDREW D. ATHERTON is with the law firm of Patla, Straus, Robinson & Moore, P.A., where his practice focuses on developing and implementing comprehensive personal estate plans; assisting clients in navigating the estate administration and probate process; advising clients on how to deal with the costs of long term care, asset preservation, insurance coverage, Social Security, Medicare, Medicaid, special needs trust development and implementation; and guardianship litigation. Prior to moving to North Carolina, Mr. Atherton completed a clerkship with the Kentucky Supreme Court. He earned his undergraduate degree from Western Kentucky University and his law degree from the Salmon P. Chase College of Law at Northern Kentucky University. Mr. Atherton is licensed to practice law in Kentucky and North Carolina. He is a member of the End-of-Life Care Coalition, the Land of Sky Estate Planning Council, the 28th Judicial District Bar, the Kentucky Bar Association, the North Carolina State Bar, the North Carolina Bar Association, the American Bar Association (Probate and Property Section), the National Academy of Elder Law Attorneys and the American Inns of Court. (Asheville location)

BETTY A. DOLL is Certified in Long Term Care (CLTC). Ms. Doll is the principal of Doll & Associates Long Term Care Insurance Services in Asheville, North Carolina. She has presented at numerous national and state conferences in the financial services industry and related industries. Ms. Doll teaches the CLTC classes on a national level and has trained hundreds of advisors across the country on the specifics of long term care insurance, Medicare and Medicaid. In addition to her teaching, consulting and sales activities, she also provides seminars to consumer groups, employer groups and other professional groups across the region. Ms. Doll has written articles on long term care issues, which have appeared in national trade journals and in local publications. She earned her M.B.A. degree from Jacksonville University and her B.S. degree from Western Michigan University. Ms. Doll is a member of the Buncombe County Council on Aging, the National Association of Insurance and Financial Advisors, the National Association of Health Underwriters, the Financial Planning Association, the Land of Sky Estate Planning Council and the Board of Standards for the Corporation for Certification in Long Term Care. (Asheville and Charlotte locations)

LARRY S. HARTLEY is an attorney with Strauss & Associates, P.A., where his main areas of practice are estate planning, estate administration, wills and trusts, and elder law issues, including Medicaid Long Term Care Qualification, IRA Inheritance Trusts, Alaska Trusts, and Veterans Aid and attendance benefits. Mr. Hartley is a member of the North Carolina Bar Association, the NAIFA-WNC (2008-present), National Academy of Elder Law Attorneys (NAELA) and a former council member of the Buncombe County Council on Aging (2007-2009). He is admitted to practice in North Carolina and before the U.S. District Court Western District of North Carolina. Mr. Hartley is a Certified Elder Law Attorney by the National Elder Law Foundation, the only national designation recognized by the American Bar Association in the field of elder law. He also became one of the first ten attorneys to be Board-Certified in Elder Law by the North Carolina State Bar. Mr. Hartley earned his B.S. degree, with honors, from the University of Missouri and his J.D. degree from the University of Florida College of Law. (Asheville location)

NATALIE J. MILLER is an attorney in Mooresville, North Carolina, where her main areas of practice are elder law, estate administration, estate planning and real estate. After earning her B.S. degree from the University of Southern California, she earned her J.D. degree from Wake Forest University School of Law. While at Wake Forest, Ms. Miller was a member of the Trial Bar and the Christian Legal Society. She also participated in the Clinic for the Elderly and the Litigation Clinic. Ms. Miller completed several internships while in law school, including a summer as the Mecklenburg County Superior Court Law Clerk and a summer as an intern at the Mecklenburg County District Attorney's Office. She is the attorney for the Charles Mack Citizen's Center Senior Probono Project. Ms. Miller is a member of the North Carolina Bar Association (Real Estate and Elder Law sections) and the National Association of Elder Law Attorneys. She also is a member of the Iredell County Bar Association. (Charlotte location)

RICHARD B. SORRELL began the Sorrell Law Firm with the mission of providing quality legal services at an affordable price. Mr. Sorrell's main areas of practice are elder law, estate planning, business law and bankruptcy. He is a member of the North Carolina Bar Association, Mecklenburg County Bar, Cabarrus County Bar, National Academy of Elder Law Attorneys and the National Association of Consumer Bankruptcy Attorneys. Mr. Sorrell is admitted to practice in North Carolina. He earned his B.A degree in biblical studies and his J.D. degree from Indiana University School of Law. While in law school, Mr. Sorrell spent two years working for United States Congressman Mike Sodrel.  (Charlotte location)

HEIDI STEWART is a sole practitioner with a legal, mediation and collaborative law practice in Asheville, which focuses in the area of family law matters, including wills, trusts and other estate planning instruments, separation agreements, divorce, and business law matters. Ms. Stewart is a graduate of Warren Wilson College and North Carolina Central University School of Law, and is a fellow of the North Carolina Institute of Political Leadership. She has served as an adjunct professor at Asheville Buncombe Technical Community College. Ms. Stewart is the president of the 28th Judicial District Bar, and is a member of the North Carolina Bar Association, the North Carolina State Bar and the International Academy of Collaborative Professionals. (Asheville location)

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