Law for all of life's seasons

office (314) 962-0760
fax (314) 962-8699
fax to email: (314) 754-2659

Christine A. Gilsinan
Attorney at Law

Information Links

Below are links to Missouri and federal sites which may be of interest

Benefits

Benefits Check Up               https://www.benefitscheckup.org/index.cfm?partner_id=58

Offers the opportunity to find and enroll in public and private benefit programs.  The site is provided by the National Council on Aging and the U.S. Administration on Aging.

Blind Pension
http://www.dss.mo.gov/fsd/blindp.htm

Provides information and qualifications for this program that offers financial assistance to blind persons who are not eligible for Supplemental Aid to the Blind (MO Department of Social Services)

Division of Assets
http://www.dss.mo.gov/fsd/spousi.htm

Information for nursing home residents and recipients of home and community based services about allocating a portion of the couple's assets to the spouse in the community, and possible additional allocation of income (MO Department of Social Services)

Food Stamp Program                       http://www.dss.mo.gov/fsd/fstamp/index.htm

Eligibility requirements for assistance to low income individuals for an allotment of food benefits that help safeguard nutrition levels (MO Department of Social Services)

MO HealthNet for the Aged, Blind and Disabled http://www.dss.mo.gov/fsd/massist.htm

Provides information on medical coverage for those who meet the criteria as well as information on spenddown (MO Department of Social Services)

MO Veterans Commission               http://www.mvc.dps.mo.gov/

The MO Veterans Commission provides information on services, benefits, veterans homes and eligibility.

Social Security Disability Insurance (SSDI)
http://www.ssa.gov/pgm/links_disability.htm

The SSDI program offers benefits for those who meet the medical requirements to be determined as having a disability.  The Social Security Administration’s website provides applications and information on benefit requirements and services

Social Security Retirement benefits             http://www.ssa.gov/pgm/links_retirement.htm

The Social Security Administration provides information on benefits, effects of how marriage or part-time work may affect a benefit, and other frequently asked questions.  This site allows for an online application and provides information on how to appeal

Supplemental Aid to the Blind
http://www.dss.mo.gov/fsd/sblind.htm

Provides information and qualifications for a program that offers financial assistance to blind individuals  (MO Department of Social Services)

Supplemental Security Income (SSI)                       http://www.ssa.gov/pgm/links_ssi.htm

The SSI program offers benefits to disabled adults who have limited income and resources.  The Social Security Administration provides information on eligibility, the benefits program and how to apply

Survivor Benefits
http://www.ssa.gov/pgm/links_survivor.htm

The Social Security Administration offers information on how to report a death and qualifications for survivor benefits.

Employment

Employment Discrimination            http://www.dolir.mo.gov/hr/pdf_form/MCHR-09-ai.pdf

The MO Commission on Human Rights provides general information on what constitutes employment discrimination and offers the hotline number to register a complaint.

Employment Rights
http://moadvocacy.org/Manuals/LegalRights/Employment.pdf

The MO Protection and Advocacy provides information on state and federal laws governing employment of persons with disabilities.

Senior Community Service Employment Program http://www.dhss.mo.gov/SeniorEmployment/

This program, funded through the Older Americans Act, offers training and job placement services to low-income Americans age 55 or older.  The MO Department of Health and Senior Services provides program coordination, oversight and maintains this web page.

Family

Conservatorship
http://www.mobar.org/uploadedFiles/Home/Publications/Legal_Resources/

Brochures_and_Booklets/Probate_Law_Resource_Guide/guardians.pdf

The MO Bar publication explains a conservator as an individual or a corporation that has been appointed by the court to manage the finances of a person who is disabled. 

Grandfamilies
http://education.missouri.edu/orgs/parentlink/grandfamilies/about.php

This site is a part of the University of Missouri’s website which provides information to Missouri grandparents raising grandchildren.

Guardianship
http://www.mobar.org/uploadedFiles/Home/Publications/Legal_Resources/

Brochures_and_Booklets/Probate_Law_Resource_Guide/guardians.pdf

A guardian is an individual that has been appointed by the court to have custody of an person who has been found to be legally incompetent.  The Missouri Bar explains incapacity, who can be appointed as a guardian, duties, effects of guardianship on a person’s rights, how to initiate and termination procedures.   

Public Administrators
http://www.mapainfo.org/mapa/index.cfm

A Public Administrator is an elected county official that the probate court may appoint to serve as guardian and/or conservator for persons the court has determined to be incapacitated and no family or other person is available to assume this role.  More information on guardianship and conservatorship is provided on the MO Association of Public Administrator’s website.

Financial Planning

Estate Planning
http://moadvocacy.org/Manuals/LegalRights/EstatePlanning.pdf

The MO Protection and Advocacy provides information on several options for estate planning, including trusts, wills, guardianship and federal and state tax consequences.

Joint Tenancy
http://www.mobar.org/af530da3-89cf-4d0e-b785-221fbf2dd8b5.aspx

The MO Bar defines joint tenancy as ownership by two or more people that allows the right of survivorship.  This website explains the various types of tenancy, how it can be created, advantages and limitations of joint tenancy and alternatives. 

Life Choices
http://ago.mo.gov/publications/lifechoices/lifechoices.pdf

A publication provided by the Attorney General regarding end-of-life needs, including planning, financial considerations and forms.                  

Reverse Mortgages
http://www.hud.gov/offices/hsg/sfh/hecm/rmtopten.cfm

The U.S. Department of Housing and Urban Development explains reverse mortgages, how to qualify and apply.

Transfer on Death Vehicle Titles
http://dor.mo.gov/faq/motorv/general.php#q22

The MO Department of Revenue provides information on transferring vehicle titles of deceased persons. Here is the form to use.

Health and Insurance

Advance Directives and Living Wills
http://www.mobar.org/publications/dpa/

Statements that allow a person to indicate certain medical treatments that they choose to be withheld or withdrawn under certain circumstances.   The MO Bar provides information on how these documents can be made, their limitations, accessibility and revocation.

CLAIM
http://www.missouriclaim.org/who-we-are

A nonprofit organization that provides trained volunteers to provide free Medicare counseling in their local communities.  The website also addresses Medicare basics and contact information.

Division of Assets
http://www.dss.mo.gov/fsd/spousi.htm

Offers information for nursing home residents and recipients of home and community based services allowing a portion of the individual’s assets to be set aside for a spouse, including information on allotment of income and eligibility  (MO Department of Social Services)

Durable Power of Attorney for Healthcare                                                            http://www.mobar.org/535a6273-a632-4566-ae96-1443851e3568.aspx

A legal document that allows a person to express their wishes for healthcare and appoint someone to carry out those wishes should the person become unable to direct his/her own care.  The MO Bar provides information about durable power of attorneys for healthcare and a downloadable form.

Insurance
http://moadvocacy.org/Manuals/LegalRights/Insurance.pdf

The MO Protection and Advocacy provides information on various types of insurance, including auto, home/property, workers compensation, public and private health insurance and life insurance.

Long Term Care Insurance
hhttp://www.longtermcare.gov/LTC/Main_Site/index.aspx

Information and a planning guide for long term care.

Medicaid
http://www.dss.mo.gov/fsd/msmed.htm

The program provides medical services to individuals who meet the eligibility requirements.  The MO Department of Social Services provides information on these requirements, who automatically qualifies, services provided and how to obtain services.  (MO Department of Social Services)

Medicare
http://www.medicare.gov/

The U.S. Department of Health & Human Services provides information on Medicare eligibility, coverage, comparisons of health and drug plans, long-term care planning, comparisons of local home health and nursing facilities and locates medical equipment suppliers in your area. 

Medicare Advantage Plans              http://www.medicare.gov/choices/advantage.asp

The U.S. Government provides information on Medicare health plan options and allows the comparison of coverage and limitations of these options and other plans.

Medicare Part D                                       https://www.medicare.gov/navigation/medicare-basics/medicare-benefits/part-d.aspx

The U.S. Government provides information regarding Medicare part D, including the various plans that offer drug coverage, eligibility and enrollment.

Medicare Part D - List of Missouri Plans            http://www.medicare.gov/MPDPF/Public/Include/DataSection/Questions/MPDPFIntro.asp

The U.S. Government provides a list of drug and health plans offered in Missouri.  A specific county within the state may be selected that will display the plans available in that area.

MO Rx
http://www.morx.mo.gov/index.htm

MO Rx is Missouri’s State Pharmacy Assistance Program which provides prescription drug assistance by coordinating benefits with Medicare Part D.

Nursing Homes and Other Care Options    http://www.dhss.mo.gov/NursingHomes/

The Department of Health and Senior Services offers information on how to choose a nursing home, laws and regulations governing nursing homes, and the ability to register a complaint.

Housing Issues

Housing Information
http://portal.hud.gov/portal/page/portal/HUD/states/missouri

The Missouri Housing and Urban Development (HUD) provides information on home ownership, foreclosure, renting, subsidized housing, public housing, filing a housing discrimination complaint and how to contact a housing counselor.

Housing Rights
http://moadvocacy.org/Manuals/LegalRights/Housing.pdf

The MO Protection and Advocacy provides information on housing rights for persons with disabilites, including state and federal laws, complaint procedures and subsidy programs.

Landlord/Tenant Problems
http://ago.mo.gov/publications/landlordtenant.pdf

The Attorney General provides information on the landlord/tenant law, including the rights and responsibilities.

Information and Services

2-1-1
http://www.rtmdesigns.com/211Missouri/

A United Way program that provides information on various social services, information and referral.

AARP, Missouri Chapter
http://www.aarp.org/states/mo/

Information on various topics of interest to Missouri seniors.

Eldercare Locator
http://www.eldercare.gov/Eldercare.NET/Public/Index.aspx

Assists seniors to find local agencies that can provide home care services such as transportation, meals, in home services.  Requires zip code, city or county to search.  This service is provided by the U.S. Administration on Aging. 

Home and Community Services       http://dss.mo.gov/fsd/homecb.htm

The Department of Health and Senior Services offers a program to allow seniors and adults with disabilities to obtain services that will allow them to remain in their home and avoid institutionalization.  General information about the program, funding sources and how to requrest or make a referral for services is provided on this site.

Independent Living Centers
http://www.mosilc.org/CIL.htm

The MO Statewide Independent Living Council provides a list of independent living centers located across the state.  These centers can provide services and advocacy for MO citizens with disabilities.

Nursing Homes and Other Care Options    http://www.dhss.mo.gov/NursingHomes/

The Department of Health and Senior Services offers information on how to choose a nursing home, laws and regulations governing nursing homes, and the ability to register a complaint.

Missouri Courts
http://www.courts.mo.gov/page.jsp?id=258

Explains the three level of courts in Missouri (circuit courts, MO Court of Appeals, and the MO Supreme Court) and divisions within the circuit courts, including probate.

MO Veterans Commission               http://www.mvc.dps.mo.gov/

Provides information on services, benefits, veterans homes and eligibility.

Public Administrators
http://www.mapainfo.org/mapa/index.cfm

An elected county official that the probate court may be appointed to serve as guardian and/or conservator for persons the court has determined to be incapacitated when no family or other person is available to assume this role.  More information on guardianship and conservatorship is provided on the MO Association of Public Administrator’s website.

Senior Citizen’s Handbook 18th edition
http://members.mobar.org/pdfs/senior-citizens/full.pdf            

A handbook that addresses “Laws and Programs Affecting Senior Citizens in Missouri”, including topics such as financial assistance, healthcare, housing, consumer information, personal planning/protection, veteran’s benefits, and resources.  The handbook is attributed to Legal Services of Eastern Missouri, the Bar Association of Metropolitan St. Louis and the Missouri Bar Foundation. 

Social Security Administration
http://www.ssa.gov/

Offers information and application forms for retirement, disability and survivor benefits and information on Medicare benefits. 

Protection

Check a Charity
http://ago.mo.gov/checkacharity/

Information is provided by the Attorney General on charity organizations regarding how and where they spend their money and if they serve Missouri residents.

Consumer Protection
http://ago.mo.gov/consumercomplaint.htm

The Attorney General allows consumer complaints to be filed online or by mail and provides a toll-free hotline:  1-800-392-8222.  The “Know MO” site provides a means of checking on businesses prior to making purchases of goods or services.

Elder Abuse  
http://www.dhss.mo.gov/ElderAbuse/

The Missouri Department of Health and Senior Services is mandated to receive and investigate reports of abuse, neglect and exploitation of seniors and adults with disabilities living in the community or in a facility and complaints.  The Elder Abuse hotline is a toll-free number and is available to receive calls 24 hours a day, seven days a week.    1-800-392-0210

Fraud & Scams
http://ago.mo.gov/seniors.htm

The Attorney General’s Office handles cases of home repair fraud, door-to-door sales, travel scams, telemarketing and medicaid fraud. 

Identity Theft
http://ago.mo.gov/publications/idtheft.htm

The Attorney General’s website defines identity theft, offers suggestions for protection, how to obtain or freeze a credit report, and what steps victims can take.

Investment/Securities Fraud                        http://www.sos.mo.gov/securities/mipc/complaint.asp

The Secretary of State’s Senior Investment Fraud Unit provides information and investigates complaints of investment fraud.  A complaint form is available at this website.

MOSAFE
http://health.mo.gov/seniors/mosafe/

The Missourians Stopping Adult Financial Exploitation (MOSAFE) program provides education to financial institution employees, seniors and adults with disabilities on the crime of financial exploitation and offers tips to protect the individual’s money.

National Do-Not-Call List                https://www.donotcall.gov/

This national list stops unwanted telemarketer calls by allowing online sign up and complaint registration.

Missouri No Call List
http://ago.mo.gov/nocalllaw/nocalllaw.htm

The Attorney General’s No Call List helps stop unwanted telemarkerter calls.  This site allows MO citizens the opportunity to sign up for the list or file a complaint on suspected violations.

Missouri Long Term Care Ombudsman  Program               http://health.mo.gov/seniors/ombudsman/index.php

Volunteers work with seniors in nursing homes and residential care facilities to address their complaints or problems.

Click here for office locations of Missouri Long Term Care Ombudsman

Safe At Home
http://www.sos.mo.gov/SafeAtHome/about.asp

This program offered through the Secretary of State’s Office assists victims of domestic violence or sexual assault by providing a designated address that a victim can use for court and other public and private agencies that will limit an assailant’s ability to discover the current location of the victim.

Rights

Crime Victim’s Rights
http://ago.mo.gov/crimevictims/

Crime victim’s rights and notification rights are provided on the Attorney General’s website.

General Legal Rights of Persons with Disabilities   http://moadvocacy.org/Manuals/LegalRights/GeneralLegalRights.pdf

The MO Protection and Advocacy discusses the Americans with Disabilities Act and the various rights granted under the Act.

Institutionalized Persons
http://moadvocacy.org/Manuals/LegalRights/RightsForInstitutionalized.pdf

The MO Protection and Advocacy offers information on the rights of institutionalzied persons, including rights under state and federal laws and involuntary commitments.

Nursing Home Residents Rights  http://www.iqnursinghomes.com/nursing-home-resident-rights.html

Residents of nursing homes and assisted living facilities have certain legal rights.  This website explains these rights and provides the opportunity to check deficiency reports on all Missouri facilities.

Voting Information
http://www.sos.mo.gov/elections/s_default.asp?id=voting

The Secretary of State offers information on eligibility, the Voter’s Bill of Rights, acceptable forms of required ID, absentee voting, and offers the ability to register online.

Tax Assistance

AARP Tax Aide
http://www.aarp.org/applications/VMISLocator/searchTaxAideLocations.action

Offers free assistance with preparing basic tax forms.  The nearest Tax Aide site can be located from this website.  Assistance is offered over the phone, through the internet or at a local site.

Circuit Breaker
http://dor.mo.gov/tax/personal/ptc/
(Property Tax Credit for Seniors and Adults with Disabilities)

The Missouri Department of Revenue provides information on real estate or rent tax credit that is given to seniors and adults that are 100% disabled, including qualifications and what documentation is needed.

Taxpayer Advocate
http://www.irs.gov/advocate/article/0,,id=212313,00.html

An independent organization within the Internal Revenue Service provides assistance to individual taxpayers with questions and helps them to resolve problems with the IRS.


Related resources


One of the finest, and most informative, elder law sites is the web page of Robert Fleming, CELA and CAP.  You could get lost for hours, but you will have learned so much.

Fleming & Curti, LLP