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 - 10:00, Written by Joyce H. Sealand. Presented by Shannon M. Holland in Knoxville, Joyce H. Sealand in Memphis, and Michael D. Verble in Nashville.
   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
   10:15 - 11:15, Written by Joyce H. Sealand. Presented by Robert M. Bly in Knoxville and Nashville and Joyce H. Sealand in Memphis.
   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
   11:15 - 12:15, Written by Olen M. Bailey Jr. Presented by Robert M. Bly in Knoxville and Nashville and Olen M. Bailey Jr. in Memphis.
   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, Written by Karl D. Warden. Presented by Robert M. Bly in Knoxville, Donna S. Harkness in Memphis, and Karl D. Warden in Nashville.
   1. Acting Within the Lawyer's Expertise
   2. Avoiding Conflict Between Spouses' Interests
   3. Competency of the Client
   4. Maintaining Due Diligence in Completing Paperwork When Representing the Elderly or Ill Client
5. QUALIFYING FOR MEDICAID LONG-TERM CARE PROGRAMS
   2:15 - 3:15, Written by Michael D. Verble. Presented by M. Eric Anderson in Knoxville, Donna S. Harkness in Memphis, and Michael D. Verble in Nashville.
   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, Written by Alexander M. Taylor. Presented by Alexander M. Taylor in Knoxville, Joyce H. Sealand in Memphis, and Michael D. Verble in Nashville.
   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

M. ERIC ANDERSON is an attorney in the Knoxville law firm of Kennerly, Montgomery & Finley, P.C., where his practice focuses on general business and corporate law, taxation, and wills and estate planning. Mr. Anderson is a Rule 31 listed general civil mediator who, in addition to being a lawyer, also is a licensed certified public accountant. He practiced for five years as a tax accountant and auditor for public accounting firms in Atlanta, Georgia and Knoxville, Tennessee. Mr. Anderson earned his B.S. degree, summa cum laude, and his Master of Accountancy degree (with a concentration in taxation) from The University of Tennessee, and his J.D. degree, magna cum laude, from The University of Tennessee College of Law. He is a member of the Tennessee Society of Certified Public Accountants, and the Tennessee and Knoxville bar associations. (Knoxville location)

OLEN M. BAILEY JR. is the founding member of The Bailey Law Firm, where he practices exclusively in the areas of estate planning, probate, and elder law. He is a frequent lecturer and presenter on estate planning issues to attorneys, accountants, and financial planners, and to individuals in need of estate planning services. Mr. Bailey has previously lectured for National Business Institute on estate planning and elder law matters. He has written articles for, and his advice has appeared in, numerous periodicals, including the American Bar Association's Probate & Property Journal, The Commercial Appeal, the Memphis Business Journal and The Best Times (a senior newspaper). Mr. Bailey is admitted to practice in Mississippi and Tennessee, and is a member of the National Academy of Elder Law Attorneys and the American Bar Association (Real Property, Probate & Trust Section). In 2001, he was included in the Memphis Business Journal's "Top 40 Under 40" for his community service and business development. Mr. Bailey earned his B.A. degree, with high honors, from Millsaps College and his J.D. degree from Vanderbilt University School of Law. He is an alumnus of the Institute for Comparative Political and Economic Systems at Georgetown University, in Washington D.C., and the London School of Economics in London, England. (Memphis location)

ROBERT M. BLY is a sole practitioner in Knoxville, concentrating in the areas of estate, business, and asset protection planning at both the domestic and international levels. His practice serves a clientele throughout Tennessee and the Southeast. Mr. Bly is a frequent lecturer for National Business Institute and other groups on estate and asset protection planning matters. He also is a frequent writer on asset protection and estate planning issues, and was a contributing author to the book Generations: Planning Your Legacy, published in 1999 by the Esperti Peterson Institute. Mr. Bly has served on the adjunct faculty at Valparaiso University and Indiana University, Kokomo Campus. He earned his B.S. degree from Ball State University and his J.D. degree from The University of Tennessee College of Law. Mr. Bly is a founding member and first chairman of the Mid South Estate Planning Forum, and a member of The Offshore Institute. (Knoxville and Nashville locations)

DONNA S. HARKNESS is a professor of law, teaching and supervising students enrolled in the Elder Law Clinic of the University of Memphis Cecil C. Humphreys School of Law. She earned her B.A. degree, cum laude, from the University of Memphis and her J.D. degree from Vanderbilt University. Ms. Harkness is a Tennessee Certified Elder Law Specialist and National Elder Law Foundation Certified Elder Law Attorney. She is a frequent lecturer to various professional groups on elder care and ethical issues. Ms. Harkness is a member of the Tennessee, Memphis and American bar associations, the Association for Women Attorneys and the National Academy of Elder Law Attorneys. (Memphis location)

SHANNON M. HOLLAND is an attorney at Holland Law Offices, in Knoxville, where her main areas of practice include family law, juvenile law, business entity selection, litigation and business, and other contracts. Ms. Holland is licensed by the Tennessee Supreme Court as a Rule 31 mediator in family law. She earned her J.D. and M.B.A. degrees at the University of Memphis, and her B.B.A. degree at Memphis State University. Ms. Holland is a member of the Tennessee Trial Lawyers Association, and the Knoxville and American bar associations. (Knoxville location)

JOYCE H. SEALAND is a partner in the Memphis law firm of Evans¦Petree PC, where she practices in estate and income tax planning, and probate. She has been practicing law for 21 years, and frequently lectures for National Business Institute and other professional groups on probate, estate planning and trust issues. Ms. Sealand earned her B.B.A. and J.D. degrees from the University of Memphis. She is a member of the American, Tennessee and Memphis bar associations, the Association for Women Attorneys, the Estate Planning Council and the National Planned Giving Council. (Memphis location)

ALEXANDER M. TAYLOR is a principal in the Knoxville law firm of Kennerly, Montgomery & Finley, P.C., where his practice concentrates on general tax issues, estate planning, probate and elder law. Mr. Taylor is certified as an estate planning specialist by the Tennessee Commission on Continuing Legal Education and Specialization and is past president of the Knoxville Estate Planning Council. He is a frequent speaker for National Business Institute and other groups on matters related to estate planning and probate. During his 38-year career in law, Mr. Taylor also has served as a tax lawyer with the Chief Counsel's Office for the Internal Revenue Service. He is a member of the Knoxville and Tennessee bar associations, and the National Academy of Elder Law Attorneys. Mr. Taylor earned his J.D. degree from The University of Tennessee at Knoxville and his M.L. degree in taxation from George Washington University. (Knoxville location)

MICHAEL D. VERBLE is a principal with Verble Estate Preservation, LLC. His practice is specialized in the area of legal, financial and case management assessments, estate preservation and Medicaid qualifications. He has been assisting attorneys with their clients' needs throughout Tennessee with Medicaid preservation issues as well as other situations involving their elder clients for many years. Mr. Verble is known for his Medicaid representation throughout Tennessee, Kentucky, Alabama, Georgia and Arkansas. He represents attorney's clients with the Department of Human Services as well as in appeal and fair hearings throughout the state. Mr. Verble earned his education from MTSU in finance and gerontology. He has earned his designation as a Certified Senior Advisor (CSA®), Certified Estate Planner (CEP), Certified Charitable Advisor (CCA), Certified Long Term Care Counselor (CLTC) as well as serving as a hospice advisor for several hospice organizations throughout the state. Mr. Verble also serves as an estate advisor on the education panel with the Alzheimer Association and Mental Health Association of Tennessee. He has written articles for numerous periodicals and produces a monthly column in two area newspapers. Mr. Verble is frequently called upon as a lecturer and keynote speaker to various national professional groups and universities relating to topics of his area of expertise. (Nashville location)

KARL D. WARDEN is a member of the law firm of Jackson, Kweller, McKinney, Warden, Lewis & Hayes, in Nashville, where he practices in the areas of elder law, estate planning, business law, business litigation and civil law. He has been practicing law for more than 25 years and has lectured for National Business Institute and other professional groups on matters related to estate planning and elder law. Mr. Warden is an appointed guardian ad litem by the Davidson County Probate Court and is admitted to practice in Tennessee, West Virginia and Georgia. He earned his B.A. degree from Vanderbilt University, his J.D. degree from West Virginia University, and his LL.M. degree from George Washington University. Mr. Warden is a member of the Tennessee Bar Association and the Nashville Bar Association. (Nashville location)

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