Legal & Financial Planning
When a person is diagnosed with frontotemporal degeneration it is good to address legal and financial matters earlier rather than later. Planning- early can maximize the participation of the person diagnosed and make future decisions easier to make. The legal and financial planning pages in this section are only an introduction to some of the topics and issues to consider when planning ahead for life with FTD. These topics can become quite complicated and the rules and regulations may differ from state to state. In order to fully understand and address these issues you must discuss them with the appropriate professional who understands how the rules apply to your situation according to the laws and regulations of your home state.
Caregiver Predeceasing Patient
All legal and financial planning should take into account the possibility that the caregiver could predecease the incapacitated person. Especially among the elderly, the physical and emotional stress of caregiving can be overwhelming, and can distract the caregiver from appropriately planning his or her own affairs. Where possible, powers of attorney, wills, guardianships, trusts and other documents should identify the person or entity to succeed the caregiver in the event of the caregiver’s death.
There are many legal issues that may arise while caring for someone with FTD. This page examines decision making and competency topics such as powers of attorney, health care decisions, guardianship and civil commitment. It also discusses federal employment laws such as The Americans with Disabilities Act of 1990, the Family and Medical Leave Act of 1993 (FMLA) and the Consolidated Omnibus Reconciliation Act of 1986 (COBRA).
The early average age of onset of FTD may result in significant loss of income and health insurance. This page covers resources that may provide some assistance such as Medicare, Social Security Disability, Social Security Compassionate Allowances, Supplemental Security Income, Medicaid, Medicare Supplemental Insurance (Medigap), Long-Term Care Insurance and other financial topics.