Moskowitz Legal Group, LLP

What Happens If You Die Without a Will? Many people put off estate planning, assuming they have time. But without a will or trust, your family could face unnecessary legal and financial challenges. When someone passes away intestate (without a will), state laws determine how assets are distributed. This can lead to: ?? Delays & Expenses – Probate can take months or even years, with costly legal fees. ?? Family Disputes – Without clear instructions, disagreements over inheritance can arise. ?? Unintended Consequences – Unmarried partners, close friends, and charities receive nothing under intestacy laws. Even more concerning—if you have minor children, the court decides who becomes their guardian. How to Protect Your Loved Ones A will is a great start, but a trust offers even stronger protection: ? Avoids probate, allowing assets to pass directly to beneficiaries. ? Provides privacy (unlike wills, which become public record). ? Gives you greater control—setting conditions for distribution, protecting minor children, and reducing estate taxes. At Moskowitz Legal Group, we help families create estate plans that safeguard their assets and wishes. Don’t leave your legacy to chance—contact us today to discuss the right plan for you. #EstatePlanning #Trusts #Wills #Probate #AssetProtection #ElderLaw #MoskowitzLegalGroup

Season’s Greetings from Moskowitz Legal Group As the holiday season approaches and we look ahead to a new year, we’re reminded of the importance of family, planning, and the legacy we leave behind. It’s been our privilege to work with so many of you this year, helping to protect what matters most and ensuring peace of mind for generations to come. This time of year is about connection and reflection. Whether you’re gathering with loved ones or simply taking a moment to pause, we hope your holidays are filled with warmth and joy. Thank you for allowing us to be part of your journey. From all of us at Moskowitz Legal Group, we wish you a wonderful holiday season and a New Year filled with health, happiness, and new opportunities.

This Thanksgiving, we pause to reflect on the importance of gratitude, family, and togetherness. At Moskowitz Legal Group, we’re grateful for the trust our clients place in us to help secure their futures and protect their loved ones. Whether it's through Elder Law, Medicaid planning, Guardianship, or other services, we are committed to giving families the peace of mind they deserve—so they can focus on what matters most. As you gather around the table this holiday, consider the legacy you’re building and the memories you’re creating. We're here to help ensure that your family's future remains as bright as the moments you cherish today. ?? Happy Thanksgiving from our family to yours! ?? #Thanksgiving #Gratitude #FamilyFirst #EstatePlanning #ElderLaw #Thankful

Upcoming Holiday Schedule To our Dear Clients and Colleagues and Friends, We hope you're safe and in good health. In observance of the upcoming holidays, please see our office schedule below.?Please coordinate your requests accordingly, so that we can assist you in a timely manner. As always, thank you for choosing The Moskowitz Legal Group

???? Shanah Tovah from Moskowitz Legal Group! ???? As we enter the Jewish New Year, Rosh Hashana, we reflect on the importance of family, tradition, and planning for the future. This time of year reminds us how essential it is to ensure our loved ones are protected and their legacies are secure. At Moskowitz Legal Group, we’re here to help you plan for every chapter of life—whether through estate planning, trust creation, or ensuring long-term care is accessible for your family. Let’s enter the new year with peace of mind, knowing that your future is in good hands. Wishing you and your family a sweet and prosperous New Year! ???? Shanah Tovah U’Metukah from all of us at Moskowitz Legal Group. #RoshHashana #EstatePlanning #FamilyFirst #ElderLaw #MedicaidPlanning #ShanahTovah

Navigating Medicaid Planning with Confidence At Moskowitz Legal Group, we understand how daunting it can be to navigate the Medicaid process, especially when planning for long-term care. Our team specializes in helping families protect their assets while ensuring they qualify for Medicaid benefits. With personalized strategies, we guide you through setting up trusts, restructuring assets, and handling the complex paperwork, so you can focus on what matters most—your loved ones’ well-being. If you or someone you know is concerned about the rising costs of long-term care, let us help secure the support and protection you need. Contact us today to learn more about Medicaid Planning and how we can assist you. ???? #MedicaidPlanning #ElderLaw #LongTermCare #AssetProtection #MoskowitzLegalGroup

Happy Labor Day from our family to yours! Wishing each and every one of our clients, partners, colleagues, and friends a safe and enjoyable Labor Day and end of Summer! #laborday2024 #elderlaw #medicaidplanning

What is a Power of Attorney? A Power of Attorney (POA) is a legal document that allows someone (the "agent") to make decisions on behalf of another person (the "principal"). It can grant limited or broad authority and remains in effect while the principal is alive. Importantly, a POA does not remove the principal's ability to make their own decisions and can be revoked as long as they are mentally competent. What is a Health Care Proxy? A Health Care Proxy appoints someone to make medical decisions if the principal is unable to do so. This ensures that the principal's medical wishes are respected, even if they cannot communicate them. Why a Durable Power of Attorney is Crucial for Medicaid A Durable POA is essential for handling Medicaid applications and managing finances for a loved one. Without it, gaining legal authority may require costly and time-consuming court processes, delaying Medicaid eligibility. Learn more about POAs, Health Care Proxies, and Medicaid by contacting MLG for a complimentary consultation today.

Understanding Article 81 Guardianship Article 81 Guardianship is a legal process where a judge determines if an individual is incapacitated and in need of a guardian. This guardianship can be vital for those who are unable to manage their personal needs or property. Who Needs an Article 81 Guardian? A person is considered incapacitated if they: Cannot care for their own property and/or personal needs, and Are likely to suffer harm due to an inability to understand the consequences of this incapacity. A guardian can be appointed to help manage either personal needs, property, or both, ensuring that the individual receives the care and management they require. Guardian Responsibilities: Personal Needs: Making healthcare decisions, determining living arrangements, and applying for benefits. Property Management: Paying bills, organizing assets, entering contracts, and making gifts on behalf of the person. If you want to learn more about Article 81 Guardianship and how it can help protect your loved ones, contact MLG to schedule your complimentary consultation today.

How Life Insurance Affects Medicaid Eligibility Life insurance can provide financial security for your loved ones, but it’s important to know how it can impact Medicaid eligibility. Key Concepts: Cash Value: Permanent life insurance policies, like whole life insurance, accumulate a cash value over time. This can be accessed or cashed out, potentially affecting Medicaid eligibility. Face Value: The death benefit paid to beneficiaries, which doesn’t count towards Medicaid’s asset limit. Types of Life Insurance: Term Life Insurance: Provides coverage for a set period, without accumulating cash value, so it doesn’t impact Medicaid eligibility. Whole Life Insurance: Offers lifelong coverage with a cash value, which may affect eligibility. Burial Insurance: Covers funeral expenses and is exempt from Medicaid asset limits. If your life insurance might disqualify you from Medicaid, strategies like cashing out the policy or transferring it could help. For personalized advice, schedule a complimentary consultation with MLG today.