People go through their lives believing that they will have a place in a loved one’s will, but if it turns out that they were not named in the will, this can be surprising and hurtful. The reason that this happened may have been because someone coerced the family member to leave someone out of the will, or the person was of diminished capacity, so he was unaware of what he was doing. In order to make either of these assertions, you will need to contest the will.

The importance of having a will cannot be understated. The following case will serve as an example of the reasons why:

A woman by the name of “Melita Jackson” died in 2006. She had a daughter with her husband, but the husband died in an accident. When the daughter married in 1983, Ms. Jackson wasn’t happy about it and decided to leave her daughter out of her will. Instead, she left all of her money to the RSPCA, the RSPB and Blue Cross. Her daughter had been a stay-at-home mother to five children since 1984. She and her husband mainly supported their family with government aid, and they do not own a home. The daughter contested her mother’s will so that she could receive support from her mother’s estate.

In 2007, the daughter received a portion of her mother’s estate, but the case is back in the news again because the court decided to increase the amount to one-third of the estate. This case is being called a “landmark case” because it interferes with a person’s right to do what she wants with her money.  

What Does this Mean? 

This case means that if the deceased left a relative out of his or her will, the court is going to be sympathetic to the wishes of the relatives. If the court finds that the relative should not have been excluded, the court is likely to allow the relative to inherit.

If you have been left out of a will, you would need to contest it. In today’s climate, it may be very likely that you could prevail in court, but you must consider this very carefully. Most likely, you are not going to be able to contest a will if you were not a family member.

If the deceased told you that he was going to put you in his will, write down everything you can remember about that conversation. Then, estimate how much money you believe the deceased meant to leave you. Come up with a high and a low estimate. If this amount isn’t enough to pay a will attorney in Fairfield NJ for a consultation, don’t pursue it.

The amount may be double the amount you would need to pay to consult with a Fairfield NJ will lawyer, but at the end, it may cost you much more than that. Fights that people have had over estates have cost more in legal fees than they received in an inheritance.

Contesting a Will

If you are choosing to contest the will, you will need to start by hiring a Fairfield NJ will attorney. You will need a Fairfield NJ estate planning lawyer to help you get a copy of the will. Then, you can explain the reasons why you want to contest the will to your estate planning attorney in Fairfield NJ.

Everyone has the right to decide where they want their money to go, but if your will attorney in Fairfield NJ says that you have grounds to contest the will, you might be able to win your case. If you were left out of a will and are prepared to contest it, contact us at the Law Offices of Faloni & Associates , and we will file a contest against the will.

The post I Was Left Out of A Will: What Do I Do Next? appeared first on Faloni Law Group.

Imagine this, your Mom and Dad bought a timeshare in a holiday resort and the resort agent suggested that they sign a deed leaving the share to their children, so that when the parents passed, the kids could continue to enjoy the property. It seemed like a good idea at the time.

Unfortunately, once Mom and Dad did pass, the children were shocked to receive demand letters from the resort charging them hefty annual maintenance fees.

Those fees typically start at around $1,000.00 a year and go up. Additional charges could be imposed for extraordinary events like hurricane damage. Routine annual hikes of as much as four percent could outpace inflation. At four percent, in ten years’ time the kids would be paying $1,477.00, an increase of around 48%!

And the kids would be liable for those fees, on and on into the future, regardless whether they actually used the property.

None of the kids wanted that obligation, so they simply ignored the demand letters. They then found themselves in a world of hurt, when the resort sued them and their credit reports were blackened.

The only way to unload this obligation is to get rid of the timeshare.

If you are caught in this dilemma, act promptly. You should pay the resort’s demands while contesting them, sending a protest letter along with payments. If your parents have left an estate, use estate money to pay the fees, not money from your own bank account. You must not use the share, or you may jeopardize your ability to escape from it. If you end up having to sue, you have only a limited time under state statutes of limitations.

The resort might have a resale program, but unfortunately many do not. The contract may say something about giving or selling the share back to the resort. Unfortunately, this may come along with additional fees.

Do not pay in advance for termination services, and you should not submit to threats.

It is highly advisable to hire your own local legal counsel to represent you. Of course as lawyers we would say that, but please, beware of online hypes that promise to sell your share or get you out of the obligation by “exit” services. This seems to be an area particularly attractive to outright scams, or enterprises that fail to deliver on promises.

If you do negotiate a sale or exit on your own, don’t sign anything without your own lawyer’s prior approval. Your lawyer will make sure that the deal really will work as a complete “renunciation of property.” That is, any agreement you sign must deed all of the real estate interest to the new owner or back to the resort, and it must expressly, completely, and immediately free you from the relationship with the resort as a release, termination, and cancellation of contract.

It’s too bad that a timeshare given with such good intentions can be a gift horse better looked at in the mouth.

If you have questions about a timeshare interest or any other property interest you own or may inherit, please give us a call. We would be honored to speak to you confidentially to see how we might help.  If you’d like to discuss ways we can help, please  contact  our office at 973-226-0050
.

The post Getting Rid of Your Costly Timeshare appeared first on Faloni Law Group.

Sadly, many of us have witnessed the slow and dehumanizing death by Alzheimer’s of friends and loved ones. In the final stages of this and other dementia diseases, there comes a time when the person can no longer speak, recognize loved ones, or move purposefully.

With that poor quality of life, many would choose to stop hand-feeding and hydration, and to allow the dying process to begin. However, long before that time arrives, the person in question has lost the capacity to make and to express that decision. If the person no longer has an effective way to be heard, institutions where such people are usually confined are legally and morally obligated to continue hand-feeding and hydration until the bitter end.

That end can come years and years later. A terrible characteristic of such diseases is that people may have lost all that made them whom they once were and, yet, they remain physically healthy enough to continue, in that absent state, for many years.

Existing health-care powers of attorney usually only rule out artificial nutrition and hydration, like feeding tubes and IV. Until recently, the documents did not include hand-feeding. Thus, despite the person’s health-care agent requesting otherwise, caregivers would be required to continue cajoling, persuading, and insisting that the person continue to be fed by hand. This process would rely on a primitive reflex in which touching the spoon to the corner of the person’s mouth would result in an involuntary opening of the mouth. This could be misinterpreted as a desire to eat, and the sad situation could drag on and on without any way to intervene.

In especially tragic cases, where the person’s swallowing reflex has become diminished, the person could aspirate food and fluid into the lungs, resulting in pneumonia.

Thanks to pioneering efforts by End of Life Washington , and End of Life Choices in New York, a new document has emerged to supplement existing health-care directives and to specifically address this issue. Where the person has become unable to feed herself, can no longer use the toilet, and can no longer move or speak or recognize loved ones, the person may have expressed, in this supplemental document, that hand-feeding be stopped – or that feeding be restricted only to foods that the person demonstrably enjoys. The document further requests that the person be kept comfortable and out of pain through careful medication and other measures to relieve any anxiety, agitation, or insomnia.

Especially when the dementia diagnosis is first made, and while the person still has the capacity to make and communicate health-care decisions, this supplemental health-care directive must be considered. Creating a video expressing these wishes is also a very good idea. That way, at a time when the person has become only a silent immobile presence in bed, caregivers can see the person as he or she used to be, expressing wishes while the person was still able to communicate them.

Please give us a call if you would like to talk about your wishes and how to create a legal document reflecting those wishes. If you’d like to discuss ways we can help, please  contact  our office at 973-226-0050.

The post What are Your Wishes for End of Life Care? appeared first on Faloni Law Group.

For most people, they dream of the day they can retire. The problem is that many do not move beyond dreaming to planning. Planning can be done no matter what your age, but experts encourage people to start as early as possible. Retirement planning can seem like a daunting endeavor for many people as they focus on day-to-day financial obligations. Many people have no idea where to start. A few simple questions can help people of any age plan for retirement.

What does retirement look like to you?

This is an essential question to ask when beginning to plan for retirement. A good starting place is to start jotting down your ideas and, if married, your spouse’s ideas for retirement. Maybe travel is in your plan. If not travel, then how do you plan to spend your time? Will you want to downsize your home? Many people find that the home where they raised their family is too large or more than they wish to maintain. Will you continue working? If so, how much do you wish to work. Part-time or contract work can give more flexibility while still providing a source of extra income.

What assets do you have?

This is the beginning of financial planning for retirement. Look not just at your bank account and retirement accounts, but also property you own. Other assets to consider are collections that have significant financial value. Also, take stock of other investments that will be used to fund your retirement.

How is your health?

Personal health can play a large factor in retirement planning. The first step is to make sure you are up to date on all of your health screenings and check-ups. Once your health has been evaluated, you can better assess your plans for retirement. Health can affect finances and quality of life in retirement. There is no better time than the present to evaluate lifestyle and, if necessary, improve health habits to improve your quality of life and extend it.

When should you take social security?

There is no easy answer to this question and it is really a case-by-case decision that an attorney or financial professional can help you make. In the most basic terms, waiting longer to take benefits will increase the monthly benefits you receive. However, for many, this is not an option. It is important to assess your expenses and make the most informed decision possible with help from informed professionals.

How can I cut expenses to save more?

This is an excellent question for people of any age to consider. Cutting expenses can provide for extra savings to throw into your retirement plan. Cutting expenses can also help when creating a budget for retirement. If you can cut in some categories, then you can reallocate to other categories in order to be able to live more comfortably in the future. Paying off debt also becomes more manageable when other expenses can be cut.

How do I need to plan for the unexpected?

There is never any guarantee that the retirement you plan becomes reality. Many unexpected events can and will arise in retirement. These events can put a financial strain on a family, so it is important to plan a contingency for these events. This also good time to talk family and think about future care needs. Good health today does not guarantee it in the future – in fact, the possibility of needing long term care increases with each year we grow older. Creating a plan that includes legal and financial considerations helps get all family members on the same page and can greatly reduce stress should the unexpected occur.

Considering these questions can help you to begin working on a retirement plan that will fit your needs in the future.  An attorney can also help you with the legal side of planning for retirement, especially when considering the possibility of needing long term care in the future. The destination (retirement) is easier when the roadmap is clear and you have a plan for bumps in the road.

If you have any questions about something you have read or would like additional information, please feel free to contact us. Please  contact  our office or call us at 973-226-0050.

The post Things to Consider While Planning for Retirement appeared first on Faloni Law Group.

Previously, in part one, we met Jim and Sandy. They are now 65 years old and reviewed their need for age-appropriate health care and decision-making documents.  We left off with the question, “How can Jim and Sandy take steps to prevent losing everything in the event their health fails?”

The costs of long-term care can be staggering.  Home health aides can cost, on average, $45,760 per year, based on care provided 44 hours per week.  Nursing home care on average is nearly double that – $80,300 per year for a semi-private room.

What are our chances of needing long-term care?  According to the Department of Health and Human Services, someone turning 65 today has a 70% chance of needing some type of long-term care services in their remaining years.  This means Jim and Sandy should be considering how they will pay for that care in the event one or both of them are part of that 70%.

Jim and Sandy’s choices include:  1) paying out of their own pocket for care, 2) purchasing long-term care insurance, 3) qualifying for government assistance programs, or 4) any combination of the first 3.

By planning early, before there’s a health care crisis, Jim and Sandy can take advantage of all three options, yet protect their home and any other cash or assets they wish.  This type of asset protection is done using a specially designed irrevocable trust.  Only a portion of Jim and Sandy’s assets would be transferred to the irrevocable trust, with the remainder either remaining in Jim and Sandy’s name, or held in a revocable trust with special provisions for the surviving spouse.

By transferring assets to an irrevocable trust, those assets would not be counted in the future (in most cases, after 5 years) if Jim or Sandy needed to qualify for government assistance to help pay for their long-term care.  If Jim or Sandy is a wartime Veteran, there are additional cash assistance programs available through the Veterans Administration that should be explored as another means to help pay for their care.

To round out the asset protection package, Jim and Sandy would also complete financial powers of attorney and health care advance directives along with living wills.  They would also explore purchasing an appropriate long-term care policy in the event one of them needed care sooner than expected.

By planning early, Jim and Sandy have tools in place to protect their home and other assets should one or both of them need care in the future – and there is a 70% chance they will.  Jim and Sandy have also lessened the emotional and financial stress placed on a family when a health care crisis does happen.  They’ve taken care of the heavy lifting with regard to their assets, so their family can just focus on what really matters – making sure they have the best care possible.

If you’d like to discuss ways we can help, please  contact  our office at 973-226-0050.

The post Legal Documents That Are Age Appropriate (Part 2) appeared first on Faloni Law Group.

Twenty years ago, when Jim and Sandy were 45 years old, they went on their first vacation without their kids since their wedding.   They had no planning documents in place, and had to scramble quickly to get a simple will and a power of attorney to make sure their kids would be taken care of should something happen to them.  They owned a home with a mortgage, and had very little in savings.

The will named a guardian for their minor children, and named a trustee to hold their children’s money in trust until they reached age 21.  The durable power of attorney only addressed basic financial issues, naming an agent to act in their place (paying bills, writing checks for the kids’ various activities) in the event they were unable to.  Jim and Sandy did not prepare a Living Will, or any type of document that named another person to make healthcare decisions for them if needed.  Their main focus was their children, and making sure the mortgage and other bills were paid if something happened to them while they were away.

Jim and Sandy arrived home from their trip perfectly healthy, and the documents they signed sat in a safe deposit box for the next 20 years.  Now age 65, Jim and Sandy are nearing retirement and have accumulated a nice “nest age” and just paid off their home.  However, they recently had a friend suffer a near-fatal heart attack and it was a sharp reminder to them of how precious life is.  The topic of their will from 20 years ago came up, and they both agreed it was time for an update.

Jim and Sandy now need documents that address their current age and status – near retirement with substantial savings.  Their durable power of attorney that worked for their purposes 20 years ago needs a major makeover.  Jim and Sandy now need to consider who will step in and make financials decisions on all of their matters if they are unable to because of incapacity.  Incapacity can result from a disease, like dementia, or it could come from a more sudden health event, like a heart attack or stroke.  As Jim and Sandy grow older, the possibility of a debilitating health event increases.  They have more assets than they did 20 years ago, including a number of online accounts that would need to be managed.  A “general” form is usually not enough to cover the complex issues that arise as we get older, and as we acquire more possessions.

This increasing possibility of a health crisis also sheds light on the need to have their medical wishes properly documented through a health care directive.  What type of life-sustaining measures should be undertaken for them?  Who will make health care decisions if they are unable to?  The natural choice is to choose the other spouse as agent, but what if the other spouse is unable or unwilling to act?   If Jim and Sandy haven’t designated their agent through proper legal documents, then a court may be left to decide for them – an expensive and sometimes lengthy process that can be very stressful on the family.

Another issue that is important to discuss is what type of care should be provided if Jim or Sandy need it?  Does Jim wish to stay home and receive care there?  If so, who should provide that care?  Do both of them want to transition to independent living at some point when keeping up a home and yard becomes too much?  If the conversation isn’t held while Jim and Sandy are healthy, then other family members and friends are left to guess what Jim and Sandy would have wanted.

As shown above, age-appropriate legal documents that address health care and financial decision-making are critical.  The other critical planning concern is what will happen to all of Jim and Sandy’s possessions if one or both of them get sick and need substantial care on a long-term basis?  Our next blog will address this issue:  How can Jim and Sandy take steps to prevent losing everything in the event their health fails?

If you’d like to discuss ways we can help, please  contact  our office at 973-226-0050.

The post Legal Documents That Are Age Appropriate (Part 1) appeared first on Faloni Law Group.

No matter what you do, aging is something you cannot escape, and it affects all family systems. It can be challenging for adult children to imagine their parents as seniors and to understand and respond to the reality that each parent will age differently. Even if you are in the fortunate circumstance where your aging parents can go it alone for a long time there will come a day when assistance or long term care will be needed. There are things to consider as you help your parents live their best possible aging scenario. Managing their welfare takes time, research, and planning.

Your parents and their abilities to remain independent are most easily defined by activities of daily living and instrumental activities of daily living ( ADLs and IADLs
). Activities of daily living address daily functional mobility like getting in and out of bed or a chair, self-feeding, bathing and personal hygiene, the ability to use the toilet, and the ability to get dressed. These are essential daily living requirements that promote dignity and physical as well as emotional well- being for your elderly parents. If your parents are having difficulty managing these ADLs, it is an appropriate time to find help for them whether it is you or another qualified caregiver.

IADLs include all ADL activities and more. The additions are grocery shopping and cooking, medication management, laundry, and other housework, bill paying and finance management, using a telephone, and driving or using public transportation. Recognizing your parent’s limitations in any of these categories is a sign that you need to develop a care plan that provides appropriate assistance. The degree of change or sometimes multiple changes is an indication that staying at home may no longer be appropriate and safe for your parent. If you require assistance in determining suitable care needs, you can set up a comprehensive geriatric assessment by a medical professional. Take an honest look at the stage of life your parent is experiencing and then find the support and help they require.

Your aging parents’ geographical location is critical to consider as a family. Families are fortunate when one adult child lives nearby and can ensure their parent’s well-being. Video chat either online or through a phone application is one way to daily check on a parent. A friend may live close by and can do wellness checks and provide information about behavioral or health changes. If none of these options are viable, it may be time to discuss the idea of your parent(s) downsizing into another more supportive location and living arrangement. 

Having this discussion is best before a parent’s adverse health event. Making residential changes without a previous plan in place can negatively impact on the parent, especially when experiencing a health care crisis. When aging at home cannot be appropriately managed, it is time to consider the alternatives. These alternatives may include independent living communities, assisted living communities, nursing homes, or living with a trustworthy and capable relative or family member.

All of these assessments and changes in your parents’ lives impact their financial outlook. Making necessary residential changes can often be very costly, and your parent may need additional financial support from government or community programs to offset the difference in expenses. It is critical to take advantage of all possible financial help. As an adult child, you may have to begin managing their finances and retirement funds more actively. There are various federal, state, and non-profit groups that provide free tax assistance for seniors.

Some of the better organizations to help you navigate what is available are online and include Benefits.gov , Area Agency on Aging , and Benefitscheckup.org. These groups can help you assess the best strategies for housing, healthcare, financial assistance, legal aid, transportation, in-home services, prescription drugs, energy and utility support, and nutrition. BenefitsCheckUp is part of the National Council on Aging and is considered the nation’s most comprehensive online service for seniors with limited income and resources. The information available canvases all 50 states and the District of Columbia.

Caring for your aging parents should not be the job of one family member. The commitment should not be a burden, and responsibilities should be shared. Look for caregiver support organizations and forums as well as involving all family members. Everyone should do their part. The goal is to find the best blend of options and resources to allow your parents to age happily and well. Your parents’ health changes require that programs and opportunities change too. Caring for your aging parent is a dynamic process that must be retooled as their needs change.

We help families who are trying to navigate the maze of long-term care either for themselves or for an aging parent. Please give us a call so we can discuss your particular needs. If you’d like to discuss ways we can help, please  contact  our office at 973-226-0050.

The post A Guide to Caring for Your Elderly Parent Care appeared first on Faloni Law Group.

You should never ignore concerns about your memory or that of a loved one.  There are many resources available through a simple internet search, and professional associations that provide education and guidance through a maze of questions you may have regarding how to approach someone you suspect may be experiencing memory loss, or how to ask for help if that someone is you.  There is even a free online memory test you can take in the privacy of your own home.  But, did you also know that through many years of research, there is a link between diet, exercise and Alzheimer’s disease?  It is never too late to start making proactive changes to your diet and lifestyle now to help lessen the risk of developing Alzheimer’s.  Even if you have been given an Alzheimer’s diagnosis, a study published in late October by Alzheimer’s & Dementia: The Journal of the Alzheimer’s Association, noted that it is possible to improve cognition with modifications to diet, exercise, and sleep.  

This study, summarized by the Wall Street Journal, acknowledged that the methods tested would not prevent Alzheimer’s, but through their findings, healthy individuals, as well as those with mild cognitive impairment who followed personalized recommendations over the 18 months of the study, did show improvement in cognition.   The study included 157 participants who varied in age from 25 to 86 and who all had a family history of Alzheimer’s.  A small group in the study had mild cognitive impairment and were asked, after going through certain measurements and many tests, such as blood, genetic and cognitive function, to adhere to a little over 20 recommendations of food selection, daily vitamins and personalized exercise plans.  Those who followed at least 60% of the recommendations showed significant improvement from their baseline in cognitive testing.  Participants who followed less than sixty percent of the recommendations experienced cognitive decline similar to the control groups.  Cognitive decline is a precursor to memory problems.

The larger group of participants studied were healthy individuals who had no memory loss though some in this group had less than ideal cognitive testing.  After 18 months of following recommendations, all participants showed improvement in cognitive testing compared to their baselines and the control group, even if all the recommendations were not followed.  Results showed that younger participants did better in general than those who were over 60 years old.   Some of the measurements that went into developing a personalized plan included body fat and muscle mass, since the memory center of the brain, the hippocampus, is known to shrink as belly fat increases.   Because cholesterol, blood sugar levels, and blood pressure are linked to an increased risk of Alzheimer’s, these values were monitored throughout the study.   

In reviewing sites such as the Alzheimer’s Foundation of America, a free memory test was found that will test how quickly and accurately you recognize repeated images during a timed test.  On the Alzheimer’s Association website, one can find many recommendations for diet and lifestyle modification to follow, which are also listed in the Wall Street Journal article.   Some examples of diet modification include limiting red meat, adding foods to your diet that are high in omega 3’s, such as a certain type of fish, and foods high in antioxidants, such as strawberries and blueberries.   A mix of aerobic exercise and resistance training/weight lifting was recommended for good brain and heart health.   Hours of sleep and quality of sleep were other factors that can affect mood and memory.  It is generally recommended that a person try to get at least 7.5 hours of sleep each night and reduce caffeine consumption and ‘screen time’ well before bedtime to improve the quality of sleep.  As for general brain health, meditation for stress reduction and learning a new skill, such as a foreign language were recommendations to keep you mentally sharp.   There are many other ways to start now to improve or maintain your brain health with numerous online resources to help.  If you have a family history of Alzheimer’s, don’t let another day go by worrying about what may happen.   Educate yourself and take steps now that could minimize your risk of developing Alzheimer’s disease.

Sources:  https://www.wsj.com/article/the-link-between-diet-exercise-and-alzheimers

Alzheimer’s Foundation of America at https://www.Alzfdn.org

Alzheimer’s Association at https://www.alz.org

 If you’d like to discuss ways we can help, please  contact  our office at 973-226-0050.

The post Diet, Exercise, and The Link Between Alzheimer’s appeared first on Faloni Law Group.

Let’s go through a scenario. Kevin stands at the door of Winnie’s nursing home room, tears streaming down his face. The medical staff just finished inserted a feeding tube into Winnie – an act Kevin knew she didn’t want. Unfortunately, Winnie couldn’t express her wishes due to advanced dementia, and she had no legal documents that expressed her wishes not to be fed by artificial means.  Kevin had no choice but to sit back and watch his wife go through a procedure she didn’t want.

The situation with Kevin and Winnie could have been avoided through the use of proper advance directive. An advance directive is actually a collection of documents. What that includes differs depending on your needs and wishes, along with what the law allows. However, it usually means at least a Living Will, and a Power of Attorney for Healthcare.

The purpose of this set of documents is to allow you to control what happens to your health care in case you cannot speak for yourself. If certain criteria are met, your doctors must consult with your advanced directive before making decisions about your care.

Usually, what this means is that two doctors agree that an individual is terminally ill, permanently unconscious, or at the “end-stage” of a condition. Once that happens, and the individual cannot express their preferences, doctors turn to the advance directive to figure out what the individual wants.

A Living Will determines what happens to an individual making it, unlike a Last Will and Testament, which determines what happens to their money and possessions. A Living Will describes what healthcare providers can and cannot do to prolong your life and/or ease your pain when you cannot express those preferences yourself. For example, do you want to be placed on a ventilator if you cannot breathe on your own? Do you want a feeding tube and IVs set up, and if so, for how long? Do you want to be an organ or tissue donor?

A Durable Power of Attorney for Healthcare lets you choose someone to make healthcare decisions for you when you cannot. They still must follow your Living Will, but they will be able to make decisions not explicitly considered by your Living Will, in accordance with the facts of the situation. In most states, there are “default surrogate consent laws” which allow family members to make treatment decisions on your behalf, but who is chosen to make these decisions and what they choose to do may not be in accordance with your wishes, as it hopefully would be with a Durable Power of Attorney.

Other documents may be part of an advance directive by law, or they may be worth including on your own volition. These include Do Not Resuscitate orders and Physician Orders for Life-Sustaining Treatment, among others. You might also consider an advance directive in case of a mental health crisis.

This is a difficult subject to consider, and it always seems like it won’t be necessary. But nearly 70 percent of Americans don’t have plans in place for a worst-case scenario, which means for some of them, decisions may be made for them with which they would not agree, if they had the capacity to choose. For that reason, it is worth thinking about implementing an advance directive even if it seems unnecessary now.

If you or a loved one would like more information about advance directives, please don’t hesitate to reach out. If you’d like to discuss ways we can help, please  contact  our office at 973-226-0050.

The post What You Need to Know About an Advance Directive appeared first on Faloni Law Group.