jcolliton

/Janet Colliton

About Janet Colliton

Esquire, Colliton Law Associates, P.C. Janet Colliton has practiced law for over 38 years, 37 of them in Chester County, Pennsylvania, a suburb of Philadelphia. Her practice, Colliton Law Associates, PC, is limited to elder law, Medicaid, including advice, applications and appeals, and other benefits planning including Veterans benefits, life care and special needs planning, guardianships, retirement, and estate planning and administration.

What Happens to Your Debts When You Die

You might have sizeable debt when you die or you might be totally debt free. In either case your heirs and the Executor of your Will need to know what to do. Here are some guidelines to help. Your debts do not die with you. We all might wish that our credit card debt or [...]

By |September 19th, 2017|2017|0 Comments

Is It Realistic to Stay At Home Indefinitely?

When healthy adults are asked would they rather stay home or move to a nursing home, the answer is obvious. When residents of facilities are asked if they would like to come home, the answer is typically the same. Studies demonstrate that most people would rather stay home and “age in place.” The exceptions I [...]

By |September 12th, 2017|2017|0 Comments

What Happens When You Run Out of Money In a Continuing Care Retirement Community (CCRC)?

When clients ask me to review an agreement to enter a Continuing Care Retirement Community (CCRC), the most frequently asked question is “what happens if I run out of money?” The issue may be presented in another way such as “what are the major risks?” or “Will I have to move if I run out [...]

By |September 5th, 2017|2017|0 Comments

Consider Mediation for Elder Disputes

Sometimes families reach a stalemate where a parent’s future and the management of assets is involved. Warring family members can challenge who cares for Mom or where parents should live when they cannot live at home, or whether frail elder parents can stay at home with outside assistance when they are unable to care for [...]

By |August 16th, 2017|2017|0 Comments

How to Handle Lower Social Security Benefits for Women

When a husband and wife come into my office and we review assets and income, very often I would find the husband’s Social Security to be $2,400 a month or more and his wife’s benefit at $1,000 or less. They might both have been employed outside the home. What is the reason for the difference? [...]

By |August 1st, 2017|2017|0 Comments

Can Children Be Responsible For Their Parents’ Bills

When parents enter a nursing home or assisted living, adult children are often confused regarding their responsibilities.  Does it matter whether one of them signs Dad in and is considered a “responsible party?”  How about signing as “indemnitor?”  Is it safe to be agent under power of attorney and does biological relationship alone bring with [...]

By |July 18th, 2017|2017|0 Comments

Do It Yourself Caregiving or Hire Decision Time

Deciding when or whether to give up doing tasks on your own or hiring someone or an agency employing someone  to do it for you is one of the most unrecognized stressful activities that we are called upon to accomplish on a regular basis.  This becomes especially relevant when considering whether to hire caregivers for [...]

By |July 11th, 2017|2017|0 Comments

Is the Better Care Reconciliation Act Better?

This column, written in advance, has the task of appearing on July 4, Independence Day.  Coming from Philadelphia which has quite a history of involvement with American independence, I wonder whether our Founding Fathers (and Mothers) could have conceived we would be spending this time in the year 2017 wrangling over health care.  Probably not.  [...]

By |July 5th, 2017|2017|0 Comments

Turning 65? –Clearing Up Confusion on Social Security and Medicare

Retirement used to be simpler.  At age 65 you would generally start collecting Social Security and also begin to be insured under Medicare.  It was the frequently accepted retirement date from your job and, with your gold watch and farewell party, everything was set. Today Boomers might decide to begin collecting Social Security at 62 [...]

By |June 27th, 2017|2017|0 Comments

What You Need To Know When a Family Member Dies

When you are dealing with illness and grief the chances are that you may not be able to pull together what to do when your husband, wife, parent or sibling dies.  You might look for a Will or the location of bank accounts but decisions likely pass in a blur. This column is to help [...]

By |June 21st, 2017|2017|0 Comments