How to deal with storm damage and avoid scams.
Here is a heads up I just received from Adam M. Hyers of Hyers & Associates, Inc. I have consulted Adam before about Medicare issues. New Medicare ID cards are on the way. Starting this month, CMS (The Centers for Medicare & Medicaid Services) will begin mailing new cards with new personal ID numbers. This process is scheduled to take 12 months total and should be completed in April of 2019. There is nothing you need to do - your new cards should arrive automatically. If you have recently moved, you should update your address at medicare.gov, however. No longer will your Medicare number be tied to your Social Security number. New cards will have a random number that has nothing to do with anyone's SSN. This is being done to protect privacy and reduce identity theft. Adam points out that no one will contact you to ask about your new cards, so beware of scammers. ... See more
I have mentioned this before but I just lost a friend who lived alone and did all banking online. With no passcodes there was no way to tell what assets there were. We recommend keeping a list of passwords with your will. It makes things much easier for next of kin. ... See more
"Vesting" is a legal term that can result in unforeseen problems for some next of kin of deceased real property owners. If you had a parent, uncle or other relative who died owning property that was in violation of the building code, a municipality may try to locate you and require that you maintain or demolish real estate you never asked for and never wanted. The problem is this. Under real estate law title to land "vests" in the next of kin or estate beneficiaries of a deceased person the moment that person dies. Title to real estate usually is transferred to survivors through a certificate of transfer from probate court or by a fiduciary deed from an executor following the provisions of a will. You may end up with title to a piece of real estate whether you want it or not, and the subsequent liability for maintaining that property. Even if title is not transferred through the estate, a municipality can review the probate file to determine who are the next of kin of a decedent and issue orders to them with not formal transfer of title. There is a provision in the Ohio Revised Code that allows a person to disclaim title to a parcel of real estate received by inheritance, but most people are not aware of that. If you or someone you know receive an order from a municipality regarding a parcel of real estate you do not want, you need to contact an attorney right away. I currently am involved in an injunction case filed by the City of Columbus against a next of kin. We were able to resolve the situation but I am concerned that others have tried to comply with these orders not knowing better, at considerable expense. ... See more
There are two issues on the statewide ballot this year that call for changes to the Ohio Constitution. In general I believe it is not a good idea to change the Constitution for individual issues. This is the job of the legislature. Otherwise people with lots of money behind them can override the elected representatives to promote their individual agendas, such as the casinos and the prescription drug laws. If these laws later need to be adjusted because they do not work well, there is no way to amend them without going back to another constitutional amendment. ... See more
I saw on the evening news this week a pharmacist explaining the gag orders that prevented him from telling customers they could pay less for their drugs. Apparently the drug companies have contracts that bar pharmacists from revealing lower prices. For example, a drug may have a $50 co-pay with insurance, but only costs $17 when cash is paid without insurance. The pharmacist cannot reveal this unless asked. He explained that this practice came from middlemen who contracted to deliver drugs from manufacturers to pharmacies. They add a layer of expense for their services. The message was always ask your pharmacist if it is cheaper to pay cash for each drug. You maybe surprised. ... See more
Clients frequently ask if they need a trust. Most do not. There are cheaper and simpler ways if the goal is to avoid going through probate court, such as survivorship deeds, transfer on death affidavits and payable on death accounts. Trusts do allow people to control their assets beyond their date of death, unlike a last will and testament. Payments may be deferred for minor children until they are mature enough to handle assets, or they may be paid out in increments rather than in a lump sum. Conditions also may be attached to receiving assets, such as completing an education. Other reasons for considering trusts are addressed in "special needs trusts" and "spendthrift trusts." "Special needs trusts" often are set up by parents of children with disabilities that prevent them from having assets in their names. Often those assets would have to be spent down before a person could receive government assistance, such as Social Security Disability, related medical coverage and even Section 8 housing eligibility. The special needs trust allows the trustee, usually a trusted relative, to provide extra help to the disabled child without affecting the child's eligibility for government assistance. The trust can continue after the death of the parents, which often is a concern. "Spendthrift trusts" can be set up to protect assets of a child or other person when there is a concern that the beneficiary cannot handle assets for various reasons such as mental health, addiction or just bad judgment. The trust can be used to help the beneficiary in many ways, but the trust provides that no creditor of the beneficiary can reach the trust funds and that the beneficiary cannot assign part of the trust funds to creditors. These trusts are worth considering when clients have family members with various issues and they need to protect assets that might otherwise be theirs. ... See more
I recently attended a legal seminar on the case of Miranda v. Arizona, the case in which the U.S. Supreme Court held that persons in custody must be advised of his or her 5th Amendment right against self-incrimination and 6th Amendment right to counsel before being interrogated by the police. This was of particular interest to me because the U.S. Supreme Court case of Berkemer v. McCarty applied Miranda rights to persons arrested for misdemeanors. This involved my father, Harry J. Berkemer, then Franklin County Sheriff, and was appealed by my friend, William Meeks, an excellent defense attorney. The Founding Fathers added the Bill of RIghts to the U.S. Constitution to protect citizens from government abuse. Forced confessions were common before that time. People find it surprising that suspects would make a false confession or make false incriminating statements. In fact, this is not unusual. People who are held in custody and intensively interrogated for long periods sometimes confess just to end the pressure of interrogation. Since the development of the science of DNA, nearly one in four "DNA exonerations" involves convicted defendants who made false confessions or false incriminating statements, despite their innocence. It angers me when people complain about defense attorneys who assert the constitutional rights of their clients and judges who uphold those rights set up by the Founding Fathers. This is an essential part of our criminal justice system. In reality, many top defense attorneys and judges started their careers as prosecuting attorneys. Justice requires prosecutors and defense attorney presenting their best cases. My father served in law enforement for 37 years. I served as a prosecuting attorney and a criminal defense attorney early in my career. Other than the disadvantages experienced by the poor, I believe that our criminal justice system functions well in protecting individual rights while convicting the guilty. ... See more
http://www2.mda.org/goto/fberkemer0523 I have volunteered to raise funds for MDA, which fights muscular dystrophy, a terrible disease, especially for chidren, and also ALS (Lou Gehrig's Disease) to which I have lost several friends. If you are interested in donating you can go to the site above and use a card or send a check. Thanks. ... See more
MDA Lock-Up - Together, we are uniting to bring strength, independence and life to kids and adults living with muscular dystrophy, ALS and related life-threatening diseases.