December 10th is Colorado Gives Day!

Marble Snow

This year’s tagline for Colorado Gives Day is “Give Where You Live.”  Many of us want to make a difference in our community and sometimes we think about this in terms of the perceived biggest impact –like  helping out the poorest of the poor on a global scale, like with The Heifer Project.  There are many such worthwhile causes to support, but Colorado Gives Day is about supporting local charities that help the local community.  That kind of giving makes a different connection within a closer community. Giving money and time to causes we support tends to make us happier, more engaged people – that has been established by many studies.  The bigger issue is whether happier people give or giving makes people happier.  The causal relationship there hasn’t really been established by those studies, but does it really matter?  Giving is a way of showing gratitude for what we have and generosity of spirit in sharing.  Every wisdom tradition I am familiar with gives a central place to charity, to sharing what we have with those who are in need.

One meaning of charity comes from the Hebrew word tzedakah, which means justice or righteousness, based on the idea that our possessions, like our persons, are not really our own but are lent to us, entrusted to us for safekeeping.  That safekeeping could be considered like a trust, where the person in possession of those worldly goods is more like a trustee, charged with a duty of giving to those in need.  In Buddhism, giving is essential and is recognized as part of basic human goodness.  Giving to others can be a means of transcending the limitations of the self.  I like the emphasis on giving as a two-way street, that giving is only made possible when someone is able to receive a gift.  The act of giving itself requires a community of at least two persons – a giver and a receiver.

Charitable giving is a special kind of giving in this regard as it is one that is typically given without expectation of reward.  Perhaps this is the basis from which the happiness arises.  So often our expectations get in the way of our enjoyment of life and plans for happiness.  Maybe giving for its own sake is its own perfect reward in this way.  The broad definition of charity involves giving not just of money but of time and also a certain reservation of judgment about others’ situations.

Maybe giving financial support to a local charity can accomplish all of these things in ways that far away charitable or relief efforts cannot.  I am not suggesting answers here – only questions!

Last year I suggested three charities I am familiar with from my work with elder and disabled communities.  Once again, ColoradoGives.org has a really helpful website to help you pick a charity to support by “giving where you live.”  Check it out here.

I donate some of my volunteer lawyer time to Metro Volunteer Lawyers, so I think they’re a great cause to support.  Click here to donate to them. I am one donation short of being a five-gallon donor at Bonfils Blood Center, but many people who want to donate are unable to, so you can support them financially here.  Finally, the Life Quality Institute is a local nonprofit that provides important educational and outreach services about palliative and end of life care that can ease a person’s physical, emotional and spiritual pain associated with the end of life.  You can find out more or donate to them here.

One nonprofit I didn’t previously know about – weecycle – is the beneficiary of a local attorney’s fundraising effort.  You can read and watch a video about Carlos Migoya’s Charitable Beard on SoloinColo here (and you can see for yourself that yes, his beard is of biblical proportions!) .  Give the search capabilities at www.coloradogives.org  a try – you can donate to local dance companies, a homeless and runaway youth shelter, educational foundations, food banks, the range is wide in purpose and is statewide.

©Barbara Cashman 2013     www.DenverElderLaw.org

New Case Law Shows Teeth in Uniform Power of Attorney Act for Breach of Agent’s Duties

 

Irish Arches

In an opinion published 11/7/13, the Colorado Court of Appeals ruled on substantial questions relating to the Uniform Power of Attorney Act (UPOA) as it relates to an agent’s duties and the types of activities which a power of attorney (POA) authorizes.  In People v. Stell, 2013CA0492,   the Court of Appeals reversed and remanded with directions a case involving a criminal indictment of an agent who was acting under a POA.  This decision has wide and beneficial implications for principals who have executed  POAs and whose agent are acting in their own self-interests,  are converting their principal’s assets for the agent’s use or otherwise stealing from them.  Here’s a sketch of the factual background of the case. Thanks to Vicki H. for sharing this case with me!

The principal (referred to as “victim” in the opinion) executed a POA in 2009 in Virginia.  Both Virginia and Colorado have adopted the UPOA so, even though the statutory cites vary, the law is substantially the same.  In the POA, the Principal named as agent his son, the defendant Stell.  While acting as agent under the POA, Stell wasted no time liquidating all of principal’s bank accounts, CDs, a 401K account, a piece of real property and the timber sold from that land – to the tune of $453,928.81.  The following year, Stell proposed that the principal place other assets into a trust so they would be protected from creditors.  The trust document that principal signed at his agent Stell’s direction did not name the principal as beneficiary of such trust and so, principal was permanently deprived of the use and benefit of that property.  In October 2010, principal terminated the POA and asked the Denver District Attorney’s office to investigate.  As a result of such investigation a nine-count indictment was drawn, eight counts for theft and one count of conspiracy.  The appeal of the trial court’s ruling is based on the dismissal of counts 1, 2, 4 and part of 3 – relating to the authority of the agent Stell to transfer principal’s property as agent under the POA.  In its dismissal of those counts, the trial court ruled that because the agent Stell had authority under the POA to do anything with the principal’s property that principal could do with it, that Stell couldn’t commit theft against his principal.  The Court of Appeals soundly rejected this line of thinking.

The POA is a document that confers broad powers, but it is no license to steal.  In this criminal case, the Court of Appeals examined carefully the fiduciary duty owed by an agent to his principal under the UPOA.  Citing a Virginia Supreme Court decision, the Court of Appeals stated that “powers of attorney are strictly construed.”  (Opin. at para. 17) Going further, the court ruled that the expansive language in a POA should be interpreted narrowly and should be construed in light of the surrounding circumstances.  It soundly rejected the argument that, because a POA typically gives a broad grant of authority, it could somehow give an agent the authority to misbehave, commit theft and otherwise breach fiduciary duties owed as a consequence of the nature of the principal-agent relationship.

The fact that a POA contains a broad grant of agent authority does not mean that an agent is nonetheless duty-bound (as in an agent’s fiduciary duty, as described in the UPOA) to exercise authority in acting as agent in the utmost good faith, loyalty, and other duties owed.  The Court of Appeals rejected that trial court’s reasoning that a broad grant of authority to the agent implied that an agent’s actions that were in violation of the fiduciary duties owed were somehow still “authorized” because agent was acting under a POA.  In paragraph 21 of the decision, the Court of Appeals identified the factual questions appropriate for a jury’s determination of whether an agent under a POA was acting within or outside of his or her scope of authority as determined by agent’s fiduciary duties.  They included the following questions of whether agent acted: (1) in accordance with principal’s reasonable expectations and consistently with the principal’s interests and intent; (2) in good faith; (3) loyally for the principal’s benefit; and (4) with the care, competence and diligence ordinarily exercised by agents in similar circumstances.  In reversing and remanding the counts of the indictment dismissed by the trial court, the Court of Appeals gives an indication that the days of the POA as a “license to steal” for noncriminal law purposes are over.  This is an important development for Colorado – for both the new mandatory reporting of financial exploitation law(read my post about that law here ) as well as the ability of exploited elders and other at-risk persons to recover funds  improperly taken from them by an agent under  a POA.  It gives more protection for principals who have been taken advantage of by their agents to establish that the agent’s conduct was improper and to strengthen the ability to recover such funds that were improperly used or converted for the agent’s exclusive benefit.

©Barbara Cashman 2013     www.DenverElderLaw.org

Don’t Miss the 2013 Denver Senior Law Day on Saturday, July 27th!

The Colorado Bar Association, of which I am a proud member, and Continuing Legal Education in Colorado, Inc. and the Denver Bar Association will be hosting the 15th Annual Senior Law Day in Denver on July 27 at the Denver Mart (formerly Denver Merchandise Mart).  Senior Law Day is a huge draw for the public, with lots of informative presentations and booths and plenty of coffee for early risers.  For this year’s event, there are more than thirty informational workshops offered for the public and each person attending will take home a 2013 Senior Law Handbook.  You can register for this event here.

If you can’t make it to the event, you will be able to read chapters to the Senior Law Handbook online at www.seniorlawday.org .  I am a legal sponsor of this event, which is an important public service for seniors and their families.  Sean Bell, Esq., is once again the editor of the well written and informative Senior Law Handbook.  In addition to the sponsors, there will be many exhibitors in attendance.

A new feature of this year’s event will be an “Ask a Lawyer” opportunity during the event that is sponsored by Metro Volunteer Lawyers (MVL).   MVL is an important community resource for people with low incomes.  Its mission is: “To bridge the gap in access to justice by coordinating the provision of pro bono legal services by volunteer lawyers within the Denver Metro Area to people who could not otherwise afford legal services for their civil legal issues.”  Over the years I have provided my services to people through this important and worthwhile program.  As a new feature of Senior Law Day, attendees can sign up for a 15-Minute Ask a Lawyer Session with an attorney that will be limited to Trust and Estate and Elder Law issues.

Don’t miss this informative and accessible way to find out more about legal issues and related matters facing seniors in Colorado!

The Affordable Care Act (ACA) and the Self-Employed or Small Business Owner: Interview with Shira McKinlay, Esq.

  For this post, I was lucky enough to be able to interview my colleague Shira McKinlay about the ACA.  I wanted to know about the ACA’s impact on small businesses. Shira knows her stuff and I thank her for this timely and informative post.

Barb: Can you describe the biggest positive and perhaps negative changes affecting small businesses?

Shira: Probably the biggest positive change of Health Care Reform for small businesses is the small business tax credit.  Small businesses may qualify for this tax credit if the business has less than 25 employees, pays average annual wages below $50,000 and provides health insurance to its employees.  Through 2013, the tax credit will be up to 35% of premium contributions.  Beginning in 2014, the amount increases to 50% for small businesses that purchase coverage through Health Insurance Marketplace (or the “Exchanges”).

Even small businesses that do not qualify for the small business tax credit should benefit from being able to purchase coverage through the health care Exchanges.  Colorado’s Exchange, Connect for Health Colorado , may offer small employers better, more transparent choices and potentially more affordable coverage for their employees for coverage beginning January 1, 2014.  The Colorado Exchange is expected to open for enrollment October 2013.  Of course, until the Colorado Exchange is up and running, we will not know the exact impact it will have.

As for the negative impact, fully insured small employer plans are subject to some additional requirements (such as requiring plans to cover all Essential Health Benefits, setting maximum deductibles) to which large-employer plans and self-insured plans will not be subject.  However, employers with less than 50 full-time employees are exempt from Employer Shared Responsibility provisions of Health Care Reform, and still are not required to provide any coverage if they so choose.

Barb: What are the biggest changes for self-employed types?

Shira: I would say that two of the biggest changes for this group would be the required coverage for individuals as well as access to the health care Exchanges.

Self-employed individuals will be required to comply with the Individual Shared Responsibility provisions of Health Care Reform, beginning in January 2014.  Individuals will be required to have minimum essential coverage, qualify for certain exceptions, or pay a tax penalty that is the greater of a flat dollar amount or a percentage of taxable income.  Although the initial tax penalty is quite small ($95 for 2014), the penalty increases to $325 in 2015, $695 in 2016, and annually thereafter based on a pre-determined formula.

Access to the Exchanges will offset some of the burden of the Individual Shared Responsibility requirements.  The Exchanges will offer core packages of benefits to individuals and, as mentioned before, small businesses.  In addition, if a self-employed individual decides to get coverage through an Exchange, premium tax credits may make such coverage more affordable.  The availability and amount of such tax credits will be dependent on household income.

BarbAny big picture observations about the legislation and the opportunities it creates for small business?

Shira: A lot is going to depend on the success of the health care Exchanges.  If the Exchanges work as planned, small businesses and self-employed individuals will have access to quality health care at affordable prices.  However, until we hear the costs of the plans offered on the Exchanges, and until we see that the Exchanges are up and functioning, it is difficult to say how small businesses and individuals will be impacted.

At a recent presentation, one of the members of the Board of Directors of Connect for Colorado stated that the Colorado Exchange will be up and running smoothly on October 1.  After hearing him speak, I have high expectations, at least for the Colorado Exchange.

On the other hand, the federal Exchange (available for the states that chose not to run their own health care Exchange) does not seem to be faring as well.  It was originally expected that small businesses would be able to offer their employees a choice of health plans through the federal Exchange starting in 2014.  Instead, this plan-choice option has been delayed for the federal Exchange, and small businesses opting for coverage under the federally-run Exchange will be limited to offering a single plan to their employees until 2015.

If the Exchanges function as planned, this could offer exciting opportunities to small businesses and individuals.  Individual entrepreneurs who are debating going out on their own for fear of losing their employer-provided health care may now be able to make that jump.  Small businesses may be able to provide affordable health care to their employees with the help of the small-business tax credit.

Barb: Thanks for your insights Shira – any concluding comments? 

Shira:  You are very welcome.  2014 is going to be a big year for health care!  Until we see exactly how the Exchanges are going to work, predictions are only guesses.

Shira McKinlay is an attorney with extensive employee benefits experience.  She has advised businesses on employee benefit and ERISA compliance and opportunities, as well as performing audits and reviews of health and welfare plans.   In her practice, Shira has provided advice on design and documentation of health and welfare arrangements and has drafted and developed plan communication materials, including summary plan descriptions, summaries of material modifications and required participant notices.  Shira has been active in helping companies comply with, and strategize for, changes brought on by the Affordable Care Act (health care reform).  She has assisted with the implementation of HIPAA regulations for group health plans.  Shira also counsels companies on issues related to FMLA, as well as benefit plan matters that arise in mergers and acquisitions.  She is director of Denver Compensation & Benefits, LLC, a compensation, benefits and retirement plan consulting firm. The firm’s professionals, which consist of both attorneys and CPAs, practice exclusively in the compensation, retirement plan and benefits area and have experience dealing with complex issues for employers of all sizes.

Business Succession Planning for Breakfast

 

 

Last Thursday morning I attended a breakfast program hosted by The Denver Foundation at the J.W. Marriott.  The program was entitled “Beyond Tax Law: Non-tax Aspect of Business Succession Planning” and was presented by Stephan Leimberg.  I have been going to these breakfast programs for several years now and they always feature excellent speakers and timely topics.  The Denver Foundation also hosts the monthly meetings of The Women’s Estate Planning Council of which I am a member.

So – what about Leimberg’s presentation?  It was pretty snappy and hit home the focus that attorneys and other professional advisors need to consider and take to heart when dealing with small businesses – especially family businesses: focus on the tax and other technical aspects of business succession and exclude family and relationship dynamics at your (and the family business) peril!

In his materials, Leimberg presented some eye-opening facts – for example that one-third of the Fortune 500 is family-owned and that family businesses purchase more than $1 Trillion of goods and services annually.  Part of the presentation was about identifying the traits of the family businesses (about 55% of business are family controlled) that have been successful and how they managed and successfully manage to bridge the family/business divide.

In a family business context, there is not only the business future at stake but also the functioning of the relationships of the family members – both inside and outside the business context.  Part of Leimberg’s presentation focused on the reality-based aspects of a business:

will a business die with its owner?

should the family risk running the business?

on what is the success of the business dependent?

is there a strategy in place to overcome inertia?

What about all those different hats?  I will make reference here to “hats” thinking of DeBono’s six hat parallel thinking….

    • WHITE: facts and information
    • RED: feelings and emotions
    • BLACK: critical analysis of logical flaws
    • YELLOW: positive logic applied to seek harmony or benefits
    • GREEN: new idea or perspective, creativity
    • BLUE: the big picture

Edward  DeBono, Six Thinking Hats: An Essential Approach to Business Management (1985: Little, Brown) His idea for parallel thinking is that the brain can be “sensitized” to think in broader ways.   Okay, what also comes to mind is a kid lit fave of mine: Caps for Sale, by Esphyr Slobodkina  (remember the cap peddler and the mischievous monkeys?).

I thought Leimberg’s numbers about how many family businesses have done succession planning were a bit high.  Perhaps this is because of the relative size of the family business he was looking at.  When I presented at the CBA/CLE program “Advising Small Companies” in February  I looked at figures for small businesses that were akin to estate planning numbers for parents of young children – the vast majority of both groups, who are in greatest need of succession or estate planning – have nothing in place.  The Small Business Administration has some helpful resources available here.   What I covered in my February CLE presentation were “the four D’s”:

          • Detour
          • Dissolution
          • Disability
          • Death

Things don’t always go as planned!

“I feel as if I were a piece in a game of chess, when my opponent says of it: That piece cannot be moved.” 

Soren Kierkegaard

My main focus at that CLE  presentation was on discussing techniques to motivate clients who are focused on the success of their businesses to think beyond survival mode and make a plan for the unplanned and the inevitable.  For a definition of business succession planning, I used Louis Mezzullo’s (American College of Trust and Estate Counsel President) definition: “Planning for the orderly transfer of the management and the ownership of a business to new managers and new owners to avoid a liquidation of the business as well as unnecessary taxes and other expenses, and in a manner that carries out the family’s nontax objectives.”

Bottom line for my takeaway of Leimberg’s presentation – the importance of getting family business clients to really start thinking about succession planning (estate planning for a business) and its importance from a strategic point of view.  I liked this approach, which emphasizes relationship dynamics in the success or failure of a business – whether it is a family business or a small business that is not family owned.  Following a course according to a strategy is always preferable to reacting to an unforeseen event or an emergency.

©Barbara Cashman     www.DenverElderLaw.org

April is Donate Life Month – Do You Have a Heart?

Of course you have a heart! This title is about whether you have one of those little hearts with a “Y”  in the center on the front of your Colorado Driver License . . .

This is what it’s for!

This month Donor Alliance is hosting events statewide to publicize this year’s National Donate Life Month.  Check out one of the events here .  You can also see some activities of Donate Life Colorado (the namesake for the Colorado license plates ) on Facebook here .  Of course, it isn’t just about organ donation, there are plenty of related activities for this month.  In light of the recent tragedy in Boston, it is important to remember that there is something many of us can do to help someone in need – donate blood!  In the metro area there are several Bonfils Blood Centers that make donating easy (almost painless, in fact) and on their website  you can find out if there is a blood drive that can make your donation even simpler.  In my experience, there are better snacks and goodies at those blood drives . . . . . !

Bonfils has their own marrow donor program, but I am registered through DKMS as a donor.  Some years back at Film on the Rocks  (when Talladega Nights was playing at Red Rocks), DKMS was recruiting, so a cheek swab and an interview later, I’m signed up.  I even got contacted two years ago as a potential match for a patient.  I wasn’t able to donate because the patient wasn’t in a position to receive a donation.  These can be very tricky matches from a timing perspective for the patient, which makes it even more imperative to have lots of registered donors available.  You can visit the DKMS Americas website for more information In case you’re wondering about DKMS, it stands for the German – Deutsche Knochenmarkspenderdatei (bone marrow donor) Center, which began in 1991 when a young woman, critically ill from leukemia and in need of stem cell transplant was in need of a match for a donation.  DKMS USA was founded in 2004 and has been involved in stem cell donation to battle blood cancers – cancers such as leukemia, lymphoma and myeloma.

So why donate?  Here are some quick facts about blood donation:

  1. 4.5 million Americans will a need blood transfusion each year.
  2. 43,000 pints: amount of donated blood used each day in the U.S. and Canada.
  3. Someone needs blood every two seconds.
  4. Only 37 percent of the U.S. population is eligible to donate blood – less than 10 percent do annually.
  5. About 1 in 7 people entering a hospital need blood.
  6. One pint of blood can save up to three lives. PS This is the amount of a donation at a blood bank.
  7. Healthy adults who are at least 17 years old, and at least 110 pounds may donate about a pint of blood – the most common form of donation – every 56 days, or every two months. Females receive 53 percent of blood transfusions; males receive 47 percent.
  8. 94 percent of blood donors are registered voters.
  9. Four main red blood cell types: A, B, AB and O. Each can be positive or negative for the Rh factor. AB is the universal recipient; O negative is the universal donor of red blood cells.
  10. One unit of blood can be separated into several components: red blood cells, plasma, platelets and cryoprecipitate.

Find more facts about blood donation here .

So . . . .  why donate? It is a gift of life for someone in need, it is a way to help others.  It is also a way of showing gratitude for good health that many of our community members do not enjoy.  Have you ever known someone who required a blood transfusion?  Most of us have and we are grateful that the blood was available at their time of need.

It’s easy enough to do.  first you determine whether you are eligible.  If you are, you will have your blood pressure, pulse and blood count (hemoglobin level) measured.  The next step is that needle in your arm to donate the blood.  When you are finished, you get a snack and perhaps a colorful bandage.  Pretty simple and definitely not too time-consuming.  Whole blood donors can give as often as every six weeks.  Because of the number of people who need blood and the relatively smaller number of people who can donate, you might decide to donate on a regular basis.  But every little bit helps.  In the U.S., someone needs a blood transfusion every 2-3 seconds.  Keep in mind that most of us will need a blood transfusion at some point in our lives.  Don’t wait till an emergency to wonder if the blood you or a loved one e might  need will be available.  Your donation this month will help ensure the adequacy of the blood supply.  Okay, if you still need a little YouTube inspiration, watch this clip about a mom of triplets whose life was saved a transfusion.   Okay, this last bit is for the legal part of this post, don’t forget to make advance arrangements with the correct legal documents to state your wish to be an organ donor.

©Barbara Cashman     www.DenverElderLaw.org

 

 

 

 

Attack of the Zombie Lawyers!

 

ZOMBIE SIGHTINGS IN DOWNTOWN DENVER!

 

In a recent blogpost, I had a link to an adverstisement for an insurance company selling coverage for retirees interested in buying protection against robot attacks. . . .  Who knew I would be writing a post about zombie lawyers a few short weeks later! You may not recognize these zombies because, well, they’re not the Hollywood stylized ones popularized by the movie Zombieland and that whole genre of too-many-B-movies-to-name (with all due respect to George Romero and Shaun of the Dead. . . . ). Yes, they’re missing the makeup and the flashy zombie attire, but don’t be fooled – they’re real!

 

 

 

In case you are doubting the veracity of this post, here’s another picture – this one of bar association employees – who knew they too were zombies?! – gathered for a snack in their lunchroom.

 

Okay, really these zombies are obviously having too much fun to be the menacing, drooling Hollywood types! So what gives with the zombie lawyer theme? Is there any redeeming part of this whole April Fools blogpost you ask? Well . . .  hold on. . . .

I was also thinking of another variation of a “zombie lawyer” – I’m thinking of the DIY online document services  and legal information available over the internet  – both the free and the fee-based kind.  Why – you might wonder – would I consider this a kind of “zombie lawyer?”  Well, many folks who have legal questions or difficulties often have questions about the law, or how it applies to them – and they don’t know where to start.  The internet is an amazing but often overwhelming source of information, and some of the information that is available is legal in nature.  So there is plenty of information out there, but how to filter out the wheat from the chaff?  And what about figuring out how it might apply to your particular situation? If you aren’t sure whether you are asking the right question or think your situation is unique, or that your scenario might be complicated -and  not something that is readily answerable in an “FAQ” type information source – sifting through the information can be overwhelming.  How do you decide which is “good” information that applies to your circumstances?  Well, the “zombie lawyer” or more accurately “zombie legal advice” you can cobble together from a variety of internet sources may be problematic in several ways:

  • it may not be state (Colorado) specific, but based on another state’s law (how do you know?)
  • it may be designed to apply to a one-size-fits-all category and you’re not sure what your size is. . . .
  • you might zero in on a known problem and not consider its relationship to other issues
  • you might end up “fixing” one problem only to create a difficulty in another area
  • how will you know if you’re asking the right question or getting a sound answer?
  • can you accurately consider the cost of the “downside” for doing nothing, or addressing the situation by handling it yourself?

When you contact a lawyer, you get the benefit of talking with an actual human, not a zombie that looks like a source of legal information or advice! A lawyer is not someone who is just trained in the law in terms of finding information, we go to law school to learn to look at things and analyze issues and situations in terms of legal analysis.  Sometimes the most important task in finding an answer for a client is in identifying the right question.   Here I would also offer an insight from  a favorite book of mine – Daniel Pink’s “A Whole New Mind,”  and in terms of work in my field of estate and elder law, it takes me and my colleagues from being otherwise pigeonholed by some as mere document preparers to a job more along the lines of being a symphony conductor:  We provide the forum to ask the right questions, to hear the concerns of the client and to coordinate the legal issues, analysis and practical application to a synthesis or symphony. . . .   In my opinion, this is the best part of being a lawyer. And that is no April Fool’s joke!

 

©Barbara Cashman     www.DenverElderLaw.org

 

Two-Minute Flyover: Health Care Planning in an Age of Longevity

Two Minute Flyover Video: Health Care Planning in an Age of Longevity from Barb Cashman on Vimeo.

Two Minute Flyover: Health Care Planning in an Age of Longevity

I decided on the topic for this vlog post after a post on a listserv I belong to inquiring about advance health care planning documents.  And there was also a recent comment in one of my LinkedIn  groups asking about why so few people engage in advance planning regarding health care matter.   The topic is a bit of a reprise to this post about end of life decision making but I wanted to cover the basic distinction between a medical durable power of attorney and an advance directive.  In this vlog post, I refer to a couple good resources for assisting people in making health care choices that are consistent with their values.  Here are some links to those documents:

University of New Mexico Values History document available in pdf format here

This American Bar Association’s Commission on Law and Aging’s page includes a pdf of the Consumer’s Toolkit for Health Care Advance Planning

The American Bar Association’s Legal Guide for the Seriously Ill (put together with the National Hospice and Palliative Care Organization) can be downloaded here

Human Rights and the Elderly

 

December is universal human rights month! Why December?  The Universal Declaration of Human Rights (UDHR) was adopted by the UN General Assembly on December 10, 1948.  After the end of the Second World War, the international community came together and vowed that such atrocities would not be allowed to happen again.  That’s right, there is such a thing as universal human rights under international law.  That’s the reason I went to law school – to study the international protection of human rights.  The UDHR formed the basis of important political and legal developments internationally and in many regions and individual countries, and spawning two International Covenants – on Civil and Political Rights and Economic, Social and Cultural Rights.

Now that I’ve been practicing elder law for many years, referring to the National Academy of Elder Law Attorneys’ Aspirational Standards (coincidentally, many internationally recognized human rights are “aspirational” in nature – meaning they are emerging or not fully recognized as rights as such in the legal system), I am seeing more of the broader connections between elder law and human rights.  So, based on that theme, I started looking around a bit more after I saw a reference in the latest query on the rights of elder people in international law.  Thomas Hammarberg, former Council of Europe human rights commissioner recently spoke in Gothenberg, Sweden   about the pressing situation faced by many elders in the European Community.  The number of elders worldwide is burgeoning and coupled with the Great Recession, many are faced with dire circumstances that are a breeding ground for exploitation and degradation.  The “rights of the elderly” is a concept that is both broad and particular at the same time, as it reflects the fact that the challenges and needs facing elders are quite diverse, reflecting a broad range of legal, social, financial, medical, emotional and social implications.

The UDHR, at article 25, para. 1 states

Everyone has the right to a standard of living adequate for the health and well-being of himself and of his family, including food, clothing, housing, and medical care and necessary social services, and the right to security in the event of unemployment, sickness, disability, widowhood, old age or other lack of livelihood in circumstances beyond his control.

The rights of the elderly often tend to be a right “to” something (such as security, health care, participation, dignity and nondiscrimination) as opposed to the United States’ historically preferred position to support freedoms “from” on the basis of governmental intrustions.  Of course, elders have well-recognized civil rights in this country to be free from exploitation, abuse, neglect and inhuman treatment.  How will the rights of elders evolve and develop?

Here’s a link to an interesting law review article entitled “International Human Rights and the Elderly,” published in the Marquette’s Elder Advisor and available here.     I also found an interesting abstract of a paper by a member of the law faculty at Montreal’s McGill University titled “The Human Rights of the Elderly: An Emerging Challenge.”     The most interesting aspect of this abstract is the connection made between “ageist” attitudes and discrimination in youth-glorifying and death-denying societies.  I find this connection especially apparent in our culture, which is obsessed with the “doing” aspects of life, and when we are no longer able to “do” as we previously did, we are diminished, worn down, used up and not entitled to the same level of respect as we previously enjoyed.  I think this attitude is not uncommon.  As long as our notions of dignity and respect are linked exclusively to “doing,” the ethics of how we treat people as rights bearing “beings” will be difficult to make coherent.   Included in this conundrum are the rights of the disabled along with those of many elders, whose capacities may be diminishing and are part of a large group of vulnerable persons in need of protection.  I found helpful an overview by the Human Rights Education Association about “The Rights of the Aged,” available here

I couldn’t write this post about the implications of youth-glorification and death-denial in our culture and legal systems without mentioning how our separation from our older, sicker and frailer selves also serves to distance us from the last part of our existence, our life journey  – dying.  Can the dying person and their dear ones reclaim grace and dignity in the process of dying?  Why yes, and thanks to The Soul of Bioethics newsletter I receive from The Healthcare Chaplaincy,    I learned about The Sacred Dying Foundation.    This follows on some familiar themes I have previously blogged about – how our treatment of death and dying informs our values about life. That’s all for now.

December 4 is Colorado Gives Day – Will You Give?

I like the idea of a day focused on giving to charities, especially in the midst of a holiday time of rampant spending on gifts!  Colorado Gives Day is Tuesday, December 4, 2012 – in case you haven’t already been notified by nonprofits you support . . .  I like the website for Colorado Gives Day, you can enter a zip code and find local nonprofits to support.  Plus, there is no administration cost – 100% of your gift goes to the nonprofit, thanks to the underwriting of its sponsors.

Some of the nonprofits focused on aging issues that are listed on the Colorado Gives Day website include:

Innovage Foundation (formerly the Total Community Options Foundation) are the folks whose programs include the Johnson Adult Day Program, InnovAge Greater Colorado PACE (formerly known as Total Longterm Care), InnovAge Homecare (formerly known as Seniors Inc.), and InnovAge Greater New Mexico PACE (formerly known as Total Community Care);

The Senior Assistance Center is a northwest Denver nonprofit that provides emergency financial services, a food bank, friendly visitors, and ArtReach, just to name a few of their programs;  and

The Guardianship Alliance of Colorado, a relatively new organization that provides information  and guidance about guardianship of adults in Colorado.  Their education programs include classes for people to learn more about becoming a volunteer guardian, along with a training class about serving as a guardian for an incapacitated adult.

I know some of the people who work for these nonprofits, and they are individuals dedicated to improving the lives of seniors.  These nonprofits are filling gaps in our community.  As the number of seniors continues to rise, the ranks of those living on fixed incomes expands, and the social challenges of integrating seniors into the community – or keeping seniors engaged in communities remains.  These nonprofits are helping seniors and their loved ones in the Denver metro are face those formidable challenges.  Please consider supporting these nonprofits, or another nonprofit of your choice this Colorado Gives Day!

 

 

©Barbara Cashman     www.DenverElderLaw.org