Elder Law - Senior Law
What is Elder Law?
Elder Law refers to the area of legal practice pertaining to issues that affect older people (usually those over 60 years of age). The three primary focuses of elder law include estate planning; medicaid, disability and long-term care; and guardianship.
As one approaches the end of their life, issues related to what they will do with their belongings once they are gone become a greater focus. For elder law, this includes not only the preparation and administration of a will, but also advising the elder client and his or her family about the tax consequences of different inheritance strategies, including establishing trusts, the use and purpose of a living will, and any other matters that could affect the elder's personal or estate interests at the end of his or her life.
Medicaid, Disability, and Long-Term Care
Another key area of elder law is paying for the elder's medical needs at the end of his or her life. Most medical expenses tend to be incurred at the end of one's life. As a result, ensuring that sufficient coverage is in place to cover these expenses is essential. Moreover, simply having the coverage is often not enough. Many times it is necessary to police the insurance providers to ensure that they are providing the levels of coverage they promised. Beyond the financial considerations, however, it is also important to consider just how far one wishes for medical practitioners to go in extending their life. Leaving behind plans for how this is to be handled, often in the form of a living will, can help prevent family disagreements, suffering of loved ones, and uncertainty about how the elder wished to have their medical treatment handled once they became incapacitated.
The third area of primary focus in elder law is guardianship. This deals with who can care for an elderly person should their mental or physical factors begin to fade with old age (for example, as a result of dementia, Alzheimer’s, or after a stroke). While close family members often serve as guardians, it can frequently be necessary to consider establishing a power of attorney for such person prior to the incapacitation so that the guardian can handle all business and legal affairs of the elder. In cases where there is no family member who can take on the task, laws exist for the appointment of a guardian by the court, including how that person will be paid, what their legal obligations are to the elder, how they must administer and preserve the estate, and so forth.
Elder law can also touch on many other issues, such as:
Commitment – when an elder becomes too disabled to live outside of a care facility.
Conservatorship – when an elder or those entrusted with the elder's affairs, begin to deplete the assets of the estate, conservatorship seeks to prevent those losses.
Elder abuse, neglect, and fraud – all too often nursing homes do not properly care for those entrusted to them. This can result in malnutrition, bed sores, other injuries, and even death.
Retirement planning – while much of elder law focuses on the very end of one's life, it is worth remembering that Americans are living longer than ever, and a lot can happen after the age of 60. Careful retirement planning can be the key to remaining financially free during those years.
Crimes against the elderly – Unfortunately, many older people become more susceptible to fraud and other crimes as they age. A large and growing body of law pertains to preventing crime against the elderly and enhancing penalties against those who take advantage of these persons. These laws can include consumer protections, nursing home abuse laws, and sentencing guidelines for crimes against older persons.
If you or someone you know has questions about elder law, you can find additional information by visiting the resources below. You can also contact an attorney in your area by visiting our Law Firms page.
Know Your Rights!
Elder Law - US
- ABA - Commission on Law and Aging
The mission of the ABA Commission on Law and Aging is to strengthen and secure the legal rights, dignity, autonomy, quality of life, and quality of care of elders. It carries out this mission through research, policy development, technical assistance, advocacy, education, and training.
- Age Discrimination in Employment Act of 1967
The Age Discrimination in Employment Act of 1967 (ADEA) prohibits discrimination on the basis of age and generally bans mandatory retirement. Covered employers are those engaged in an industry affecting interstate commerce and who employ twenty or more full or part time workers for each working day in each of twenty or more weeks in the current or preceding calendar year. Covered employees are generally those over the age of 40.
- Elder Justice Act - Elder Justice Coalition
The Elder Justice Coalition was formally launched on February 10, 2003, to coincide with the introduction of the Elder Justice Act (S. 333), which was introduced by Senators John Breaux and Orrin Hatch.
- Elder Law - Definition
Elder law is a legal term coined to cover an area of legal practice that places an emphasis on those issues that affect the growing aging population. There are three major categories that make up elder law: Estate planning and administration, Medicaid, disability and other long-term care issues as well as Guardianship.
- Elder Law Answers
Support for seniors, their families and their attorneys in achieving their goals. This site provides the following services: the best information on the Internet about crucial legal issues facing seniors; a network of highly qualified elder law attorneys nationwide, and online practice tools for elder law attorneys.
- Elder Rights Protection - Administration on Aging
The Administration on Aging is pleased to provide the following off-site resources to connect older persons, caregivers and professionals to important federal, national, and local programs.
- Employee Retirement Income Security Act of 1974 (ERISA)
The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that sets minimum standards for retirement and health benefit plans in private industry. ERISA does not require any employer to establish a plan. It only requires that those who establish plans must meet certain minimum standards.
- National Academy of Elder Law Attorneys
The NAELA membership is comprised of attorneys in the private and public sectors who deal with legal issues affecting seniors and people with disabilities. Members also include judges, professors of law, and students.
- National Elder Law Foundation
Elder law attorneys may now be certified in this field by the Board of Certification of the National Elder Law Foundation (NELF), a non-profit organization founded in 1993, and dedicated to the development and improvement of the professional competence of lawyers in the area of elder law. The purpose of the certification program is to identify those lawyers who have the enhanced knowledge, skills, experience and proficiency to be properly identified to the public as certified elder law attorneys.
- National Senior Citizens Law Center
Since 1972, the National Senior Citizens Law Center has worked to promote the independence and well-being of low-income elderly and disabled Americans, especially women, people of color, and other disadvantaged minorities. Because we believe in publicly-funded safety net programs, we work to preserve and strengthen Medicaid, Medicare Part D, Social Security and SSI. To guarantee fair treatment, we work for greater access to federal courts for citizens and for better enforcement of consumer’s legal rights in safety net programs.
- Older Americans Act
Congress passed the Older Americans Act (OAA) in 1965 in response to concern by policymakers about a lack of community social services for older persons. The original legislation established authority for grants to States for community planning and social services, research and development projects, and personnel training in the field of aging. The law also established the Administration on Aging (AoA) to administer the newly created grant programs and to serve as the Federal focal point on matters concerning older persons.
- Programs for Older Americans - Chapter 35
The Congress hereby finds and declares that, in keeping with the traditional American concept of the inherent dignity of the individual in our democratic society, the older people of our Nation are entitled to, and it is the joint and several duty and responsibility of the governments of the United States, of the several States and their political subdivisions, and of Indian tribes to assist our older people to secure equal opportunity to the full and free enjoyment of the following objectives.
- Senate Special Committee on Aging
Throughout its existence, the Special Committee on Aging has served as a focal point in the Senate for discussion and debate on matters relating to older Americans. Often, the Committee will submit its findings and recommendations for legislation to the Senate. In addition, the Committee publishes materials of assistance to those interested in public policies which relate to the elderly.
- Senior Citizens' Resources
As the U.S. government's official web portal, USA.gov makes it easy for the public to get U.S. government information and services on the web. USA.gov also serves as the catalyst for a growing electronic government.
- Social Security Act
The Social Security Amendments of 1965 was legislation in the United States whose most important provisions resulted in creation of two programs: Medicare and Medicaid. The legislation initially provided federal health insurance for the elderly (over 65) and for poor families. While President Lyndon B. Johnson was responsible for signing the bill, there were many others involved in drafting the final bill that was introduced to the United States Congress in March 1965.
- United States Senate Special Committee on Aging
The Senate Special Committee on Aging was first established in 1961 as a temporary committee. It was granted permanent status on February 1, 1977. While special committees have no legislative authority, they can study issues, conduct oversight of programs, and investigate reports of fraud and waste.
Elder Law - International
- AARP International
AARP International aims to help people live longer, healthier, more financially secure and productive lives by identifying the best ideas and practices on key policy issues. We convene international opinion leaders and policy makers to share their expertise and develop research on health and long-term care, livable communities, older workers and retirement income.
- Global Action on Aging
GAA carries out research on critical emerging topics and publishes the results on its website. GAA staff and interns research aging policy and programs, both in the US and worldwide: income support, health access, and human rights.
- International Federation on Aging
The International Federation on Ageing (IFA) is an international non-government organization (NGO) with a membership base of NGOs, the corporate sector, academia, governments and individuals. Founded in 1973, the IFA is a point of connection and a platform for knowledge exchange for those representing the needs and interests of millions of older people across the world.
- International Institute on Aging
An autonomous body under the auspices of the United Nations, the Institute holds a number of training courses for persons from developing countries, carries out research projects, hosts conferences and offers consultative services.
Organizations Related to Elder Law
- Administration on Aging
For over 35 years, the AoA has provided home and community-based services to millions of older persons through the programs funded under the Older Americans Act. Whether you are an older individual, a caregiver, a community service provider, a researcher, or a student, you will find valuable information provided in a user-friendly way.
- Helpage International
HelpAge International has been working since 1983 to improve the lives of disadvantaged older people, through a global network that today spans more than 70 affiliate organisations in 50 countries.
- International Network for the Prevention of Elder Abuse, Inc., (INPEA)
NPEA is an organization, founded in 1997, which is dedicated to the global dissemination of information as part of its commitment to the world-wide prevention of the abuse of older people.
- Leadership Council of Aging Organizations
The Leadership Council of Aging Organizations (LCAO) is a coalition of national nonprofit organizations concerned with the well-being of America's older population and committed to representing their interests in the policy-making arena. Recognizing that the strength of the coalition lies in the diversity of its membership, the purpose of the LCAO is to foster communication and resource sharing among its member organizations, to serve as a source of information about issues affecting older persons, to initiate joint advocacy strategies as appropriate, and to provide leadership and vision as America meets the challenges and opportunities presented by its aging society.
- National Academy on an Aging Society
As a non-partisan public policy institute, the Academy actively conducts and compiles research on issues related to population aging and provides information to the public, the press, policymakers, and the academic community.
- National Committee for the Prevention of Elder Abuse (NCPEA)
The National Committee for the Prevention of Elder Abuse (NCPEA) is an association of researchers, practitioners, educators, and advocates dedicated to protecting the safety, security, and dignity of America's most vulnerable citizens. It was established in 1988 to achieve a clearer understanding of abuse and provide direction and leadership to prevent it. The Committee is one of three partners that make up the National Center on Elder Abuse, which is funded by Congress to serve as the nation's clearinghouse on information and materials on abuse and neglect.
- National Council on Aging (NCOA)
Founded in 1950, the National Council on Aging (NCOA) is a nonprofit organization with a national network of more than 14,000 organizations and leaders. Our members include senior centers, area agencies on aging, adult day service centers, faith-based service organizations, senior housing facilities, employment services, consumer groups, and leaders from academia, business, and labor.
- National Institute on Aging
NIA, one of the 27 Institutes and Centers of NIH, leads a broad scientific effort to understand the nature of aging and to extend the healthy, active years of life. In 1974, Congress granted authority to form NIA to provide leadership in aging research, training, health information dissemination, and other programs relevant to aging and older people.
- UN Programme on Aging
The UN Programme on Ageing is part of the Division for Social Policy and Development (DSPD), United Nations Department of Economic and Social Affairs (UNDESA). It is the focal point within the United Nations system on matters related to ageing. Its primary action is to facilitate and promote the Madrid International Plan of Action on Ageing, including designing guidelines for policy development and implementation; advocating means to mainstream ageing issues into development agendas; engaging in dialogue with civil society and the private sector; and information exchange.
Publications Related to Elder Law
- Aging Today - American Society on Aging
Aging Today, ASA's bimonthly newspaper, covers developments in public policy, research, practice, media and programming in the field of aging. A four-page pullout section, "In Focus," is devoted to in-depth coverage of a single topic.
- Elder Law Journal - University of Illinois
The Elder Law Journal is an academic publication published twice annually by the students of the University of Illinois College of Law. The Elder Law Journal is the oldest scholarly publication in the country dedicated to addressing elder law issues. The Elder Law Journal publishes manuscripts that not only address policy decisions, but also serve as guides to attorneys practicing in the field. T
Articles on HG.org Related to Elder Law
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- Performance of California Nursing Home ChainsMany nursing home chains in California have been shown to underperform when it comes to quality-of-care, staffing, and inspection measures.
- Potentially Misleading Advertisement for Indexed Universal Life Policies by Insurance Marketing OrganizationsInsurance marketing organizations may have been providing misleading Indexed Universal Life policy ads.
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- Equity Indexed Universal Life Insurance Is Not For Most PeopleIndexed Universal Life Insurance policies are unsuitable for most people. Read on to find out why.
- Elder Abuse and Fraud Prevention12 tips to help prevent elder abuse and fraud.
- Indexed Universal Life Polices: Sales Illustrations ProblemsProspected high returns promoted by Indexed Universal Life policies (IULs) sales illustrations may not be that high in reality.
- Seniors and Elders Remain Alert for Annuity & Insurance ScamsIn the world of investment, seniors and elders are prime targets for financial scams. To protect yourself, read on to learn about the different schemes.
- Indexed Universal Life Sellers Promise Higher Gains Than Actually ExpectedSellers of Indexed Universal Life policies have been projecting higher gains than what buyers may actually receive.
- All Family Law Articles
Articles written by attorneys and experts worldwide discussing legal aspects related to Family Law including: adoption, alimony, child support and custody, child visitation, collaborative law, divorce, domestic violence, elder law, juvenile crime, juvenile law, juvenile probation, paternity, pre-nuptial agreement, separation.