INSIGHT WITH SYLVIA MAUS 110523 ELDER LAW

"Elder Law Attorney Patrick Cawley and Host of WHP's Later in Life Planning Show provides solutions to some of the most pressing issues of aging."

Episode Transcript

(00:00):
Hi, I'm Sylvia Austin. Thisis Insight, a presentation of iHeartMedia or
we really do care about our localcommunities and all our listeners who live here.
You know, they say that lifeis a journey, and you know
what, it's very true. Whenyou're born, your parents are there to
love and protect you. Through yourearly teens and into adulthood, they're there
again to love and guide you.And when you're finally out in the world,

(00:23):
maybe with kids of your own,there they are again with the same
constant love and support that you've alwaysbeen able to count on. Then and
truly, before you know it,the situation reverses itself and you find that
those incredible and loving parents now needyour protection, guidance and support. We
can never return all that our parentshave done first all throughout our lives,

(00:44):
but when they reach their senior years, I believe it's imperative that we are
there for them in any way wecan be. With these heartfelt sentiments,
I've been asked someone who is anexpert in helping seniors and their adult children
working through most of the issues thatthey face with this keystone elderlaw, mechanicsburg
and a much admired member of theiHeartRadio family is attorney Patrick Colley. Pat's

(01:06):
hosts the show Later in Life,planning show that's on WHP every Saturday from
noon to one, and not onlydo his listeners game remarkable insight into the
senior issues, but Pat provides aplethora of resources at families desperately and I
mean desperately needable. Talked about Patin a second. About that, I'm

(01:27):
telling them, I hear about you, I listen to you. I refer
people to your Pat. This isnot a job to you. You're not
a lawyer or an older law lawyerto be an oder law lawyer. This
is something that's been a part ofyou from years back when you worked in
the government. Talk to us aboutthat. So people, I want people

(01:47):
to understand, Pat's one of thoseguys that, as I said, it's
not his job, it's what wouldyou call it, Pat, it's not
your career, it's your calling.Well, it's a way. It's definitely
what gets me out of bed inthe morning. That's for sure. Best
career advice I ever had was don'ttake a job just because it pays a
lot. Take a job because youcan't wait to get out of bed and

(02:07):
go and do it. And soyou're right. I mean, I turned
down jobs that just weren't attractive tome. But I had the great fortune
to work in government for a whilein the Senate Judiciary Committee, where I
was there at just the right timewhere the chairman of the committee, Store
green Leaf, was committed to overhaulingthe law affecting middle class people, especially

(02:30):
in the later years of life.And so we worked on the power of
attorney. We've worked on financial exploitationof vulnerable older people. We worked on
healthcare decision making for people who havebecome incapacitated. And now I just consider
myself so fortunate that when families comein the door, the law that I
wrote is what I'm guiding them through. And people are so grateful that you

(02:53):
know, it's a foreign language tothem, and you solve problems for the
spouse, the adult child, whenthere's somebody who has declining health. You
know something that I don't know ifI mentioned to you, I wanted to
talk about this, but I findit more probably because I'm getting older,
to the issue is agism. Sure, talk to us about that. Oh,

(03:15):
that's a whole big conversation but it'sso timely too, because i mean
people the way you see it themost, because we could talk about it
in the workplace, where we dohave laws that say you can't discriminate on
the basis of age. Those arehard cases to prove for people who believe
they were victimized. But let's justlook at what's in the news every day

(03:36):
Washington, DC, and we justwatched very visibly the health of a very
long time influential Democratic Senator, DianneFeinstein go rapidly downhill. I mean literally,
her daughter was using a power ofattorney to handle her financial and legal
affairs. But she was there onthe floor of you know, in the

(03:57):
United States Congress casting votes on theRepublican side. We had Mitch McConnell,
you know, right in front ofreporters just stop mid sentence and had some
sort of brain freeze. And andthen you know, people make remarks about
the president, and it's always talkingabout what do they jump to, not
is there some medical issue going on, it's they immediately seize on the age

(04:17):
and they say, well that's it. You get to a certain age,
you should be out of office,as opposed to some sort of functional test,
like I look, if somebody's notcognitively able to do the work at
any age, then then we needto address that in some way. But
but but just saying arbitrarily you're tooold to do the job. That's you
know, back in Pennsylvania even asYeah, well, in Pennsylvania we have

(04:42):
one of the older populations among states. And back in the late sixties,
we actually had a constitutional convention,our state constitution, and I've read the
transcripts because that's when they came upwith a mandatory retirement age for judges in
Pennsylvania. And at the time,you should read the debate they had.
Some were saying, if you're fiftyfive, you're too old to be a
judge. Yeah, some people weresaying sixty. It has since been elevated

(05:06):
to seventy five. But that's theonly office we have a mandatory retirement age.
No such thing for the governor,for legislators, for local government,
but for judges. And it's allbased on the assumption that, well,
you're going to lose your marbles,you're going to be cognitively infirm, and
so you shouldn't be making important decisions. And the other offices, I guess

(05:27):
the argument is, well, we'lljust vote you out. But judges,
you know, it's ten years beforeyou even get a retention election. So
that's the one office. But I'lltell you early in my career, I
was a courtroom lawyer and I appearedbefore some federal judges who have lifetime appointments,
no mandatory retirement age. And therewere several in their eighties and one
who was in his mid nineties,all cognitively sharp as attack. So,

(05:50):
you know, are we handicapping ourselvesas a country if we take out of
the talent pool people based on somethingas arbitrary as age without any sort of
function test, And not only that, the wisdom, right, I mean,
you can't train that. That's exactlyright. You're not born with wisdom,
or we'd start out at eighty andquebac words, right, I totally.

(06:10):
It really burns me up. Andyou said it is illegal, but
it's hard to prove it it is. I mean, we have an Age
Discrimination in Employment Act. That's afederal law that says if you're over forty
and you're replaced with somebody who's underforty, then that at least gets your
foot in the courtroom door. Now, you have to prove other things that
show that your age was a factorin something like you were suspended, not

(06:31):
hired, fired and replaced with somebodyyounger. And that's where it gets hard.
And of course the employer tries totrot out evidence that you were just
a bad employee, and it comesdown to but really, I mean,
it's the idea is you You onlylose your job if you can't, even
with some accommodation, perform the tasksof the job. Age alone is not

(06:53):
supposed to be part of it.That's horrible in this day and age,
where we get excuse me, inthis country, we're supposed to be so
open and accepting, but we're reallynot. If you just listen news.
In so many areas of our lives, we're still stereotyping. People were prejudice
against something and it's it's really sad. And I thought this generation that's coming

(07:14):
up now, I thought maybe theywould be more accepting, but it seems
they're the one of what you're waitingfor your time. I think they have
a big incentive to be prejudice,whether they are cognitive, whether they're really
aware that they are. And youhear they the young kids say okay,
boomer when they're talking about somebody who'solder, and it's that's not meant in
a kind way. But you know, these are people who feel that,

(07:35):
uh, you know, some generationreally had it all. They hold on
to their jobs, and these kidsare coming out of school with nothing but
debt and they can't get jobs becausethese darn old people keep holding on to
jobs, and so they're blaming anolder generation for what are you know,
I understand, I mean it's tougheconomics times for them, but that absolutely

(07:58):
is a form of prejudice that theyhave. Let's talk about these young people
when you find I know I haddifficulty my mother had passed away, but
talking to my father, you noticethings about your folks. They feel still
function well, They can go abouttheir daily lives and everything. But every
so often you see something when isit the right way to talk to your

(08:20):
parents or when is it the righttime? And how do you talk to
their parents about preparing for later inlife when they they're going to get angry.
There's nothing wrong with it, butI mean it's a way of doing
that that does happen so much.And part of it is regardless of age,
nobody really enjoys thinking about getting sickor thinking about dying. But let's

(08:41):
face it, this is an adultresponsibility that we all have. And I
see what happens when that parent whodoesn't want to think about it really sticks
their head in the sand. Theysay things like, if I ever get
dementia, take me out and shootme. And you know, I can
think of a lot of good longterm care strategies, but having your kid
commit a homed side is not evenin my top ten. So so,

(09:03):
but you know, people are justkicking the can down the road. But
all they're doing because I see thisplay out, is making their kids clean
up a mess. And I,you know one way, and I try
to speak to those audiences. Ido public speaking all the time for free
to educate people on this, toget them over that hump so they don't
leave a mess for their children.And if nothing else convinces them, I

(09:24):
just tell them general stories of clientswhere what is you know, the big
L word? What's your legacy?How are you going to be remembered?
Are you going to be remembered withgratitude? Because you made life so easy
for the next generation. You hadeverything well organized, or are you going
to be remembered with frustration and confusionand a little bit of anger because this
was, you know, an adultresponsibility that you just didn't step up and

(09:46):
take care of. But that conversationis tough with you know, when it
comes to taking the car keys,or have you done your funeral planning?
Mom and dad? Have you doneany sort of do you have a will
a power of attorney? You know, it's tough and there's different ways to
approach it. One of my friends, who provides home care to people who

(10:09):
need it, says, you knowwhat he did with his own father was
he wrote a love letter to hisdad and just said, I love you,
this is what you mean to me, Help me, help you.
I you know, this is reallyI just want to make sure that you're
taken care of. And it's justletting them know the impact that they have
on other people and how this isa gift to the next generation. Really,

(10:30):
another thing I wanted to talk toyou about is, and I've been
faced with this many of my friendswhen your parents start to some days are
there, some days they're not.You don't want to leave them alone.
There aren't too many people out therewho have long term insurance long term care
insurance because it is pretty steep andwhen you should start that back when you're
raising your own kids, right,But anyway, how do you find a

(10:56):
good care taker? And how dois there a way to none? Say?
Is there a way to search thesystem and weed out different caretakers that
are out there? Yes? AndI think what you're getting at is there
are levels of quality, but it'salso important to even know the levels of
care. So most people, becauseas long as I've been doing this,

(11:20):
I have yet to meet the personwho says I just can't wait to go
to a nursing home. You know, everybody wants to stay at home,
and of course that's the goal aslong as it's safe. So the first
level of care is in your home, and maybe that's family or friends helping
you get through your day. Maybeyou don't need much help, it's just
maybe getting dressed, remembering to takemedication, and then you're on your way.

(11:43):
But if you require extensive additional help, are friends and family going to
be able to cut it? Theyare bearing a cost there, but they're
willing to do that out of thegoodness of their heart. And if you
need to supplement that level of care. There is home care as opposed to
home health that's more specialized nurses andphysical therapists and such. But there are

(12:03):
professional home care and at Keystone ElderLaw, we have somebody on staff who
has an encyclopedic knowledge of the resourcesand can make recommendations based on quality,
based on really knowing these people.So we can be a resource. But
you want to do your homework.You want to make sure that they vet
the caregivers who are coming into yourhome. You know that that's very important,

(12:26):
But then you have to know what'sthe alternative. It's going up a
level to what's called either assisted livingor personal care, which still feels it's
not home, but it doesn't feellike a hospital. It feels like a
nice community and there's levels of qualitythere. And then the highest level is
skilled nursing care. So at leastunderstanding those are generally the three levels of
care. What do they cost?I mean, if you're in nursing home

(12:50):
care the highest level, that's aboutthirteen thousand dollars every single month in this
area. So I think it allstarts with understanding what level of care is
appropriate? How long is someone stillsafe in their home. Do they have
a bathroom on the first floor?Do they have to do stairs? Are
they going out for walks and notfinding their way home? Are any of
these types of care paid for?Buy Medicare? Well no, so medicare

(13:16):
as opposed to Medicaid, and peoplehere Medicaid and they think, well,
isn't that how the less fortunate whodon't have two nickels to rub together?
Isn't that how they go to thedoctor? And that's true. That's most
of Medicaid. But there is apart of Medicaid that is very much a
middle class program. I mean,you're allowed to have a house up worth
up to six hundred and eighty eightthousand dollars, You're allowed to have a

(13:37):
car, if you have a spouse, they can have anything in their IRA.
So it is very much a middleclass program. But as far as
what I just laid out care inthe home, there is very minimal Medicare,
which is your health insurance. Sothat's your trip to the doctor,
your trip to the hospital for aprocedure or whatever. That's Medicare. They
don't care how much money you have, They just pay the bill. But

(13:58):
that's acute care. What will theypay for in a long term care setting.
Really, they might provide some durablemedical equipment, like if you need
a hospital bed in your home,if you need a wheelchair, they might
pay for that. They might payfor minimal visits from a nurse or a
physical therapist. But as far aslong term care, there almost no help

(14:18):
whatsoever. So that leaves a fewoptions. You either get out your checkbook
and write a check for thirteen thousandevery single month. Maybe you have long
term care insurance, and not alot of people do, if very few,
but some veterans have a benefit thatcan help them. And then finally,
the lion's share of long term careis paid for by Medicaid, where

(14:41):
they care how much money you have. And there's the law fortunately allows people
to accelerate going broke on paper butkeeping all the money in their family.
So we don't have a spouse athome who's healthy and going into poverty.
So that's generally what elderlaw is allabout. I hear a lot of people
say I can't go into a homebecause they'll take my home. Right.
That is a common misconception. It'snot. I mean, first of all,

(15:03):
nursing homes are not in the realestate business. They're not taking anybody's
home. What they're referring to isunlike Medicare for your acute care. If
Medicaid is picking up the tab forthousands of dollars every month, maybe for
years, they will show up atyour estate when you pass away, and
you know there's Comcast or Verizon askingfor their last one hundred dollars bill to

(15:26):
be paid fine, and there's Medicaidlooking to get paid back for a couple
hundred thousand dollars worth of care.So if they died owning a house,
Medicaid is saying, sell the house, give us all the money from the
sale. That's not going to yourkids. Now, that's where a really
good medicaid planning, good estate planningin the form of trust planning, in

(15:46):
the form of knowing how this allplays out. That's what elder law is
all about. It's middle class estateplanning and asset protection, just because we
know how this system plays out inthe future, so we neutralize all those
threats well in advance. And that'swhat you do best. Talk to me
about what are people like you're sayingpeople they're misinformed of things. What frustrates

(16:08):
you most about clients that come in. What do they how many times Jeff
to tell them, no, you'renot going to lose your house. I
mean, is that the biggest thingpeople are worried about? Well, I
mean, I don't get frustrated.Is that just tells me I'm not doing
enough public education. And I everyweek if you go to our website keystonelderlaw
dot com, there's a workshops taband people sign up and Wednesday evening,

(16:30):
you know, six o'clock, sixthirty in the evening, I'll have three
hundred people who are thirsting for knowledgeand I love it, and I'll teach
them and I'll answer questions. Sowhen people come in, that just tells
me I'm not reaching everybody to givethem the education and answer those questions.
What frustrates I think me more isis the people you refer to earlier,
where they just don't want to havethe conversation. They just the people I

(16:52):
have never met. That's frustrating tome because I know how that's going to
play out for most families. Onein three people are going to have dementia.
One in three and that doesn't eventouch the people who will have strokes,
or will have a fall or anaccident or MS Parkinson's als, any
of these conditions leading to long termcare. So it's close to seventy percent

(17:15):
of the population will have that experience. And it's not only financially expensive.
I have seen the toll it takesemotionally on the spouse and the adult children,
and it's a lot. The reasonI do so much public education for
free is you know, they're avoidablemistakes. So that's the frustrating thing is
when I see avoidable mistakes. WhenI see other attorneys who say they practice

(17:38):
estate planning, but they have noidea what happens down the road with long
term care, with taxes, thingslike that, and they've written documents and
now you can't change them because theperson has Alzheimer's and it really hamstrings what
we can do for the family.That's frustrating as well. So you know,
it's just it's just knowing what's aheadand building shield to protect yourself from

(18:00):
those challenges. Okay, let meask you this. You talk about legal
documents, what we'll talk about certaindocuments and exactly if you could explain what
they do. Everybody knows about awill, but I don't know if they
understand what a will does. Canyou explain that? Sure? Yeah,
that's the first thing people want totalk about. And I get it.
I mean it's in our DNA totake care of our spouse, our children.

(18:22):
You know, we want to takecare of our loved ones. The
will does nothing for you until you'regone, right, and then it's just
who gets my stuff? And thereis some opportunities for asset protection inside a
will, but really if it assumesthat when you die you will actually have
any stuff and you don't know thatunless you manage incapacity. So that leads

(18:45):
us to probably your next question,what's a power of attorney? What's a
healthcare power of attract? That's yourincapacity planning. So the power of attorney
is probably the most important thing becausethat's look all the adult responsibilities we take
for granted, talking to a bank, an insurance company, changing the title
on a vehicle, getting taxes done. If you suddenly can't do it because

(19:06):
of a stroke or an accident ordementia, who can seamlessly pick up this
important tool and go do it foryou? That is a power of attorney.
And then the healthcare power of attorneyis equally important because it's your quality
of life decisions. It's you know, if the doctor comes into your room
and says, Sylvia, we ranthe tests, here's your problem. Now

(19:26):
here's how we would like to fixyour problem. And it will have all
these benefits. But don't you knowit, down the road there might be
some risk or side effect, oryou'll need a procedure. Well, they're
giving you pros and cons. Youweigh them, and then you say yes,
let's go forward, or you sayno, let's not do that.
I don't like the sound of theside effects, but that's your right,

(19:47):
my right to say what healthcare happensto us. So the healthcare power of
attorney is again, if I can'tweigh those pros and cons and give the
doctor an answer, who's going tosay yes or no for me? And
then if it turns into an endof life issue where all the specialists get
together and at least one of themthinks, it doesn't matter what we do,
we're not going to be able tomeaningfully extend life. Now, maybe

(20:08):
your treatment goal is a little differentthan it has been your whole life,
when it has always been doctor,if there's something wrong, fix it,
keep me around longer. Well,maybe the next aggressive surgery or experimental drug
isn't what you want. You wouldconsider that an ordeal or a burden.
If you're nearing the end of lifeand you just want pain relief and you

(20:30):
want to be comfortable, So that'syour opportunity to express that. What are
advanced healthcare directors? Is that givingsomeone powered to It's like a healthcare power
attorney. It's another way of sayingit, right, It's just a generic
term for the health care power ofattorney and the second half of it,
which is the living will. Sothe end of life decisions for quality of
life. Okay, you pass away, you don't have anything in place,

(20:52):
what happens if you have any assets? What happens to them? Sure,
if you don't do any one ofthese planning tools, the government has a
plan for you. If they say, well, I don't have an estate
plan, I say, yes,you do. It's just whether it's going
to work for your family or not. Because well, for just to answer
your question directly, if you passaway and you have money or you have
real estate, and you never hada will, the government sets forth in

(21:14):
law their best guess at the averagefamily and how this would work. And
they say, who is going toget your stuff? And it might not
be what you have in mind.So if you have a child with special
needs and if you leave them money, you're going to eliminate all their benefits.
The government can't predict that about yourfamily, that kid's getting money.
If you have an estranged child,or a child with addiction, or a

(21:34):
child with money management problems, that'ssomething you can plan around, but you
have to come up with the plan. The government can't possibly know that,
so you're just going to have themgetting money equally. Wow, So so
many questions I have for you.But one of the things I'm so impressed
with is your website in the serviceshow. Oh my god, it's amazing.

(21:56):
And most of this is free thatyou do. Oh sure, we
do a ton of free education asmuch as we can while still keeping the
lights on. We have we dohave to get work done. But yeah,
that's the fun part. Yes,tell me about the resources that have,
the people on your staff and whatthey do. So we do have
a few attorneys, of course,but that's I mean, if you work

(22:17):
with one of us, you workwith all of us. And I think
you know as soon as you dealwith us. There is a registered nurse
who worked in long term and acutecare settings before she came to work with
us, so she has a thoroughknowledge of care options. So even if
it's just plain estate planning, shecan ask some health related questions to see
if that changes the type of planningwe'll be doing. She's hugely helpful when

(22:41):
it comes to long term care issues, so we have her on staff.
That's Karen, our nurse. Andthen we have a specialist who used to
work in the nursing homes and knowshow their billing works, knows how they
get paid, and is a guruin the Medicaid applications for nursing home clients.
We have somebody who does nothing allday but administer the estates when a

(23:03):
family loses a loved one, sothat's a whole set of steps and law,
and she is very good at that. And we have a handful of
other people who play a certain partin the journey of every client to make
it go smoothly and efficiently, andthey each have their own skill set,
so sometimes it's just tinkering with thelanguage of estate planning documents to get them
exactly right for a client organizing allof their financial documents for a medicaid application,

(23:29):
which is a pretty extensive and detailedprocess. At what point in your
life and most of the time,if you're sensible, you're thinking about the
future. What are the kind ofthings you need to have that you can
grab right away in order to gosee an elder law attorney? I mean,
is what's an older law attorney goingto ask for? Great question?

(23:52):
And I think generally the best wayto the most effective way to do it
is education preparation action. And theeducation is just take in a free webinar
or seminar. We offer them allthe time. All come speak to your
book club or your church. Imean, we do a lot of education.
But then what you're talking about isthe next step preparation. When you

(24:12):
show up, I mean, wewill prompt you to provide certain information before
we meet so we know what we'redealing with, and we do our homework,
We review all everything, so wewill prompt you for some important information.
But what you want to be thinkingabout to prepare is who are the
what are the relationships in my lifethat are going to be important? Who

(24:32):
are the decision makers? Going tobe for financial issues, property issues,
healthcare issues, and that might notbe the same person. It depends on
their skill sets. So just thinkingthrough who would be good as a seamless
per decision maker If I can nolonger make these decisions, there's an issue.
I'm sure you see a lot peoplewith children that they choose one child

(24:55):
and the other child's really upset aboutit. Oh my gosh, you must
be like, figure it out.Well, what I'm saying to them is
usually it's the parent who's worrying aboutshowing. You know, I don't want
to appear like I don't trust theother child, but they're just not as
good with money or they're they're notgoing to be able to handle the emotions
of a medical decision. And I'msaying to them, you're not giving an

(25:18):
honor, you're giving a real painin the neck. I mean, this
can be this can be a lotof work, you know. And I
said, blame it on the lawyer. Tell them, I said, you
know, no, it has tobe this person. But it really for
forever. For it to work,we want the plan to work. It
has to come down to what arethey what are they equipped to do?
Some people are better at some thingsthan others. Sure, Sure something I
forgot to ask about. We weretalking about all these different tools or for

(25:42):
our documents, you need what's atrust? So the three fundamentals that everybody
over eighteen should have are the powerof attorney, in my opinion the most
important healthcare, power of attorney,and a will. Now, trusts are
something that do make sense for somepeople. Trust can be built in inside
the will. So for example,I'm leaving money to a grandchild, but

(26:03):
the kid is eight and if Idie soon, I don't want an eight
year old inheriting money. So atrust could be as simple as somebody else
holds that money and pays for thingsdirectly until the child is old enough and
nobody can touch that. No.I mean, if there's a fiduciary responsibility,
you know, buy the child clothing, education, responsible things instead of
allowing the kid to blow it onvideo games or something like that. But

(26:26):
it can be more important for youknow, special needs planning, because we
have to navigate around. As soonas they get money, you might eliminate
benefits. So you have somebody elsehold it, pay for things directly,
and so you maintain the benefits.And you have a way to enhance their
quality of life. It could beaddiction that that problem never went away.
If giving money to somebody with addictionis going to involve a lethal mistake,

(26:49):
well you have somebody else hold themoney and pay their rent or their mortgage
directly. Don't give it to them, pay it directly. That's that's how
a trust works. It's just settingup a structure in which somebody else is
holding the money for the benefit ofsomeone whose life you want to enhance.
So we do them inside the will. You can set up one outside the

(27:10):
will if you do it during yourlife. That's a different kind of trust.
But we often put real estate intotrust just because of the way the
medicaid rules work for you know,when people say, oh, they're going
to take my house, not ifyou've protected it with a trust. So
there's a lot more detail that goesinto why you would do that and how
you would do it, But that'sthe general ideas. You're getting it out
of your name, and ultimately it'sgoing to benefit your family. You're preserving

(27:33):
all of the money. It's notgoing to be going anywhere else. You're
amazing, I just can't. Thisis why I tell people about pet Cally.
It's his passion. He knows itinside out, upside down, right
side up. Your website has somany resources, and your staff they're all
people who have been there, donethat, and are doing it for the

(27:55):
same reason that you do it,because it's a passion, it's the right
thing to do. Don't go seesomebody else, Trust me. Pat's the
guy I want to see. Iwant to talk to you about your show.
What do you like most about doingyour show? Oh, it's so
much fun. I think it's becauseI you know, if I hadn't been
an attorney, I probably should havebeen a teacher, as many many people
in my family have been. ButI love, you know, I enjoy

(28:15):
the episodes where I'm just talking throughthese legal issues because I just love talking
about the issues. But it's evenbetter when I really I drive home the
point that the lawyer is not theonly part of your later in life planning.
I mean, I've had experts ondementia, cardiovascular health, financial planning,
funeral planning on down the line.Just I've had, you know,

(28:36):
a number of episodes where it's justother people showing another way you can protect
yourself from challenges in the future andI learned from them and it's it's just
a lot of fun. I'm gladyou're young. Is it gonna be around
for a long long time and helpingso many people plan? Oh my goodness.
Tell people our listeners where your officeis located. So we're just south
of the borough of Mechanicsburg. We'reoff of Root fifteen Mechanicsburg, Bowmansdale Exit,

(29:02):
but it's upper roll In Township andyou can find us from our website
Keystonelderlaw dot com. And your websiteagain is Keystone Elderlaw dot com. Awesome.
And your program is called The Laterin Life Planning Show and it's on
Saturdays Saturdays at noon right here onWHP five eighty and also you can find
it on any podcast platform. Ohmy gosh, you're absolutely right, and

(29:26):
thank you, thank you, thankyou, thank you for my generation,
thank you for the generation to come. I love what you do, Pat
Patrick Hawley, Keystone Elder Law.And to my listeners, as I say
all the time, if you're asenior, you're adult child of aging parents,
I can't urge you enough. Getin touch with Pat and don't forget
to catch insight on your favorite iheartstationor podcast stat I'm Sylvia Moss. This

(29:47):
has been insight Thank you for listening. See you next week.