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Can Over-the-Counter Hearing Aids Prevent Dementia?
According to the National Institutes of Health (NIH), hearing loss affects one-third of older adults. As difficulty hearing can lead to...
Salvatore Di Costanzo
Is an Independent Living Facility Right for Me?
Housing options and the associated costs are among the top priorities for many seniors. Today, the housing market is unpredictable, while...
Salvatore Di Costanzo
Ensure That Your Home is Protected
Dear Mr. Di Costanzo: Can Medicaid take my home if I get sick? If you fall ill, you may seek Medicaid benefits to help pay for your care...
Salvatore Di Costanzo
What to Do When Medicare Denies Coverage
When Medicare declines to cover your medical needs, the denial can leave you with an expensive medical bill. If Medicare refuses to cover...
Salvatore Di Costanzo
Protecting Spouses of Medicaid Applicants: 2023 Guidelines
The Centers for Medicare & Medicaid Services (CMS) has released the 2023 federal guidelines for how much money the spouses of...
Salvatore Di Costanzo
Medicare Will Now Cover Medically Necessary Dental Care
In November 2022, the Centers for Medicare and Medicaid Services (CMS) announced that Medicare coverage will be expanded to include...
Salvatore Di Costanzo
Does Medicare Pay for Assisted Living?
Assisted living facilities support older adults with daily living while fostering their independence. Individuals who do not require...
Salvatore Di Costanzo
Can You Appeal When a Hospital Considers You an Outpatient?
A hospital’s classification of you as inpatient or outpatient can significantly affect Medicare’s coverage, shaping how much you pay for...
Salvatore Di Costanzo
Does Your Estate Require Liquidity?
Dear Mr. Di Costanzo: Why do I need a Will or Trust if all my accounts have designated beneficiaries? Beneficiary designations are...
Salvatore Di Costanzo
Your Power of Attorney Dies With You!
Dear Mr. Di Costanzo: Can I act under my father’s power of attorney after he dies? One of the most important estate planning documents...
Salvatore Di Costanzo
Significant Changes to the Power of Attorney Law
On December 15th, 2020, Governor Cuomo signed into law legislation substantially amending the New York General Obligations Law, which is...
Salvatore Di Costanzo
Dear Mr. Di Costanzo: Should I prepare an estate plan before I leave for college?
Congratulations to everyone headed off to college. My favorite Animal House quote is when Belushi says “seven years of college down the...
Salvatore Di Costanzo
New Unemployment Compensation Exclusion
As many of you know, I practice as a tax accountant as well as an elder law and estate planning attorney. This blog is an example of the...
Salvatore Di Costanzo
Can my spouse access our jointly owned safe deposit box after my death?
Dear Mr. Di Costanzo: Can my spouse access our jointly owned safe deposit box after my death? It is common practice in New York for banks...
Salvatore Di Costanzo
Dear Mr. Di Costanzo: Am I responsible for my spouse’s nursing home costs?
Under New York State law, a spouse is considered a legally responsible relative which means that you are financially responsible for the...
Salvatore Di Costanzo
Essential Tips For Solo-Agers During Unprecedented Times
Are you a solo ager, or in some circles, an “elder orphan”? A solo ager is typically defined as a single, childless baby-boomer. Yet, a...
Salvatore Di Costanzo
How to Win When Grief Strikes with Dr. Robert Wright - the Stress Doctor
Whether you are grieving the death of a close loved one, or have a deep sense of loss from your daily routines being interrupted, Dr. Bob...
Salvatore Di Costanzo
Using Trusts to Protect your Children
An inheritance can be easily dissipated if your child is a spendthrift, has bad habits or is involved with a divorce. A trust can ensure...
Salvatore Di Costanzo
Finish the Job
A good estate plan doesn’t end with the signing of your documents. there are many post-signing tasks that need to be completed and are...
Salvatore Di Costanzo
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