Call Us For A FREE Consultation

610.897.8994

Frankel Estate Planning & Elder Law, LLC

News & Articles

Can Business Owners Protect Personal Assets? Asset Protection Strategies, Explained

Every business owner eventually has the same uncomfortable realization: running a business means accepting a level of liability exposure an...

[post_views_count] Views
[post_likes]

Powers of Attorney: The Document Your Family Needs Most, But Probably Doesn’t Have

If we had to name the single document families most regret not having in place, it wouldn’t be a will...

[post_views_count] Views
[post_likes]

The Scariest Stories Aren’t About Ghosts: Why Preplanning Matters

Think back to the Halloweens when your children were small. You zipped up costumes over warm sweaters, handed out flashlights,...

[post_views_count] Views
[post_likes]

What Happens if You Don’t Have a Will? Pennsylvania Intestacy, Explained

Dying “intestate” simply means dying without a valid will. It does not mean your assets go to the state —...

[post_views_count] Views
[post_likes]

Planning for a Child With a Disability: The Special Needs Trust Guide

Parents of a child with a disability carry a particular version of the ordinary parental worry about the future: what...

[post_views_count] Views
[post_likes]

How To Protect Your Family-Owned Real Estate

Family-owned real estate—whether it’s a vacation cabin, farmland, or a multi-generational home—often holds deep sentimental value in addition to financial...

[post_views_count] Views
[post_likes]

Estate Planning for Blended Families: Protecting Everyone’s Interests

Blended families — remarriage after divorce or widowhood, stepchildren, children from more than one relationship — are, by some measures,...

[post_views_count] Views
[post_likes]

Can You Protect the Family Home From Medicaid?

For most families we work with, the family home isn’t just the largest asset on a balance sheet — it’s...

[post_views_count] Views
[post_likes]

The Medicaid Five-Year Look-Back: What Asset Transfers Really Cost Your Family

Of all the rules in Medicaid planning, none generates more anxiety — or more confusion — than the five-year look-back...

[post_views_count] Views
[post_likes]

Three Reasons Giving Your House to Your Children Won’t Protect It From Medicaid

If you’re worried about losing your home to pay for nursing home care, that worry is reasonable — but giving...

[post_views_count] Views
[post_likes]

My Parent Just Needs a Nursing Home — What Happens Now?

The call almost always comes the same way: a hospital discharge planner says your parent can’t go home, a nursing...

[post_views_count] Views
[post_likes]

10 Essential Steps to Take When Planning for Your Own Funeral

Planning your own funeral may feel uncomfortable at first, but it’s one of the most thoughtful gifts you can leave...

[post_views_count] Views
[post_likes]
No more posts to show

The Season That Pulls You In Two Directions At Once

Every August, life somehow finds a way to double in size overnight.

One minute you’re loading a mini-fridge into a dorm room and squinting at a tuition bill, wondering how it got that big. The next, you’re on the phone with your mom, realizing her pill organizer hasn’t been refilled in a week, or noticing your dad told you the same story twice in one conversation and didn’t seem to notice.

Sound familiar? You might be part of what people call the Sandwich Generation — not a title anyone signs up for, just what happens when your kid needs you to help them grow up, and your parent needs you to help them hold on, and somehow both of those things are happening in August.

Here’s the Legal Curveball Nobody Warns You About

Quick question: did you know that the day your kid turns 18, your legal authority over their life basically evaporates? Even if nothing else has changed. Even if they’re still on your insurance and coming home for Thanksgiving.

Here’s how that can bite you. Say your son’s landlord is being difficult about a security deposit, and he asks you to make a call on his behalf because he’s buried in exams. The landlord won’t tell you anything, legally, it’s not your lease, it’s his. Same week, your mom’s Medicare Advantage plan denies a claim, and when you call to straighten it out, the rep won’t discuss her account either, because nobody ever put your name on file.

Neither of these is a five-alarm emergency by itself. But they land in the same week, and they both boil down to the same annoying problem: nobody signed the piece of paper that would’ve let you just… help.

For your college kid, that paper is usually a health care power of attorney, a HIPAA release, and a financial power of attorney. Don’t let the legal names scare you, these don’t hand over control of anyone’s life. They just say, “if I’m not around or not able to deal with this, here’s who can.” Think of it less as a leash and more as a spare key.

Before the semester gets away from everyone, it’s worth a five-minute conversation. Does your student know their insurance info off the top of their head? Do they know who to call if their bank card gets frozen or their account locked? Do they actually understand what they’re signing, instead of just scribbling their name because you asked nicely?

Your Parents Deserve the Same Five Minutes

The other side of the sandwich comes with the same questions, just higher stakes.

Most parents already have something, a Will, a Power of Attorney, maybe a Health Care Directive or Living Will from years ago. The real problem usually isn’t whether it exists. It’s whether anyone besides your parent knows where it is, whether it’s still accurate, and whether the people named in it are even the right people anymore.

A Power of Attorney signed fifteen years ago might name your uncle, who’s now three states away and hasn’t returned a call since 2019. An advance directive only helps if someone can actually find it when it matters. “It’s in the office somewhere” isn’t a plan, it’s a scavenger hunt, and nobody wants to be hunting for paperwork on what’s already the worst day of their year.

This is also a good excuse to ask the question everyone avoids: what would Mom or Dad actually want if they couldn’t manage on their own anymore? Where would they want to live? Who do they trust to make the call? You don’t have to nail down every answer at once, but it’s a much easier conversation over Sunday dinner than it is in a hospital hallway.

You Don’t Have to Fix Everything This Weekend

Take a breath. None of this has to happen all at once.

Pick one evening this month, that’s it, just one, and figure out where the important paperwork actually lives, for your student and for your parents. Check who’s named to step in, and whether that still makes sense. Jot down the stuff that would matter in a pinch: doctors, insurance carriers, account numbers, who to call first.

Then just see what’s missing, and chip away at it.

Being needed by two generations at once is tiring enough without also being unprepared for the moment something goes sideways. You don’t need a perfect plan by Friday. You just need to know that when the phone rings with bad news, someone besides you already knows what to do.

If you’d like help sorting through your family’s documents — for a college-age kid, an aging parent, or both Frankel Estate Planning & Elder Law is happy to walk through what you’ve got, what’s missing, and what to tackle first.