IL Estate Planning Blog

Wednesday, August 22, 2018



Your DocuBank Card can now hold your medical snapshot....

As a client of our firm, you received a DocuBank Emergency Card when you completed your estate plan.
Read more . . .

Tuesday, August 14, 2018

Are You Eligible for Food Stamps? ALSO "Extra Help" for Medicare Part D Participants


Food Stamps, also known as SNAP (Supplemental Nutrition Assistance Program), no longer have an asset eligibility requirement for people 60 years of age or older or for persons with disabilities.

SNAP asset limits have been completely removed for those who are elderly or disabled.

The income limits have also increased for these populations.  Monthly gross income for persons 60 and over or persons with disabilities is $2,010.00 for a household of one and $2,707.
Read more . . .

Tuesday, July 31, 2018

How Prepaid Funeral Plans, Contracts, and Burial Spaces Impact Medicaid Assets

How Prepaid Funeral Plans, Contracts, and Burial Spaces Impact Medicaid Assets


Funds in a revocable prepaid funeral or burial contract, or in a bank account owned by the person clearly

identified as a burial fund, are exempt up to $1,500 from counting as Medicaid Assets. Funds in an irrevocable prepaid

funeral or burial contract are exempt up to $6,220. Exceptions to the above plans

include any portion of a contract that clearly represents the purchase of "burial space"

as per the Supplemental Security Income program is exempt regardless of value. In

addition, a prepaid, guaranteed price funeral or burial contract funded by an

irrevocable life assignment of a person's life insurance policy to a trust, is exempt;

however, among other requirements, a statement must be included that, upon death,

the State will receive any excess money remaining in the trust (up to the total amount

of assistance paid on behalf of the person).

Read more . . .

Tuesday, July 17, 2018

Tips on how to survive marriage from someone who's done it for 53 years

Taken from the Chicago Tribune


March 11, 2018


Judi Schindler is the first to tell you that marriage isn’t easy.
Married at 22, she said she thought marriage to her husband, Jack, would be a bit like Cinderella and Prince Charming — gazing adoringly across the table at each other while enjoying a perfectly cooked meal. Instead, the first time she tried to cook a meal that her husband had once told her he enjoyed, veal Parmesan, he told her he’d forgotten to tell her that he didn’t like veal Parmesan anymore. She slid the meal into the trash while crying.

Read more . . .

Tuesday, July 3, 2018

Craving a condo? Follow these buying dos and don'ts...

Ellen James MartinUniversal Uclick
If buying a condo is on your 2017 bucket list, be savvy.


“The condo market has historically been more volatile than the market for detached single-family homes. That's why it's important to think about your time horizon when buying a condo,” said Aaron Terrazas, a senior economist for Zillow, which tracks real estate markets throughout the country.


Many homebuyers are drawn to condo ownership by the simplicity and convenience of living in a building where most upkeep is handled by a maintenance staff.
Read more . . .

Tuesday, June 19, 2018

Battling it out when it comes to aging parent's care? Elder mediation might help

Battling it out when it comes to aging parent's care?  Elder mediation might help 


Barbara SadickChicago Tribune   December 17, 2017
After their mother was diagnosed with vascular dementia, Marnie Flowers and her three siblings began having difficulty agreeing on the best way to move forward to help her. Each had different reasons for concern, including safety, quality of life, and money for care.
Their mother’s increasingly serious symptoms made them anxious about what would happen next.
Read more . . .

Tuesday, June 5, 2018

Documents you Need When a Child Turns 18

Documents You Need When a Child Turns 18

Parents who want access to information on an adult child’s health, finances or college grades need the child’s permission in writing.

Cheryl Winokur Munk
Nov. 29, 2017 11:18 a.m.
Read more . . .

Tuesday, May 22, 2018

What to Consider Before Joining a Nonprofit Board

What to Consider Before Joining a Nonprofit Board

The position can be rewarding. But it also can be a lot of work and expensive

Dec. 10, 2017 10:10 p.m.
Read more . . .

Tuesday, May 8, 2018

Inheriting Firearms

Inheriting Firearms Still Must Follow Certain Ownership Rules 


Read more . . .

Tuesday, April 24, 2018

Family Loans

Before lending money to a family member, consider

Family loans: How to dodge the drama with your loved ones

Borrowing from relatives can be a risky option and uncomfortable for borrower and lender.
Before lending money to a family member, consider the pros and cons. Photo Credit: Getty Images/iStockphoto / juankphoto 
By AMRITA JAYAKUMAR NerdWallet  Updated December 1, 2017 6:00 AM
Financial advisers don’t always agree, but when it comes to lending money to family, there’s consensus: Tread carefully.
If an adult child needs help buying a first home or has a promising business idea, a family loan can be a fast and convenient option. But there’s a risk of drama down the road.
Read more . . .

Tuesday, April 10, 2018

Ditch the Throw Rugs, Seniors!

Ditch the Throw Rugs, Seniors!
Most fall-related hip fractures among elderly people in a New England study occurred in warm months and indoors -- with throw rugs a common culprit. "Given the results of this study, it appears that efforts to decrease fall risk among the elderly living in cold climates should not be preferentially aimed at preventing outdoor fractures in winter," said study author Dr. Jason Guercio. Instead, preventive efforts should focus on conditions present year-round, and especially on indoor risk, said Guercio.
Read more . . .

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With two offices in Oak Lawn and Oak Brook, Stephen M. Sutera assists clients throughout Cook County, DuPage County and Will County IL including Chicago, Hometown, Barrington, Burbank, Burr Ridge, Chicago Ridge, Darien, Downers Grove, Evergreen Park, Geneva, Worth, Bridgeview, Palos Park, Palos Hills, Palos Heights, Hickory Hills, Midlothian, Willow Springs, Oak Forest, Orland Park, La Grange, Brookfield, Berwyn, Tinley Park, Hinsdale, Villa Park, Clarendon Hills, Westchester, Westmont, Lombard, Elmhurst, Western Springs, Berkeley, Downers Grove, Fox Valley, Glen Ellyn, Willowbrook, Aurora, Addison, Lisle, Forest Park, Bensenville, Wheaton, River Forest, Itasca, Shorewood, Frankfort, Mokena, Naperville, Crest Hill, Homer Glen, New Lenox, Bollingbrook, Schaumburg, Channahon and Woodridge.

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