By: Charles A. “Chuck” Borek, J.D., MBA, CPA – Guest Contributor – Charles A. Borek, J.D., and The Borek Group, LLC – Special Counsel to Elville and Associates, P.C.

Those miscellaneous provisions at the end of the contract that nobody pays attention to – you know, the severability, survival, and further assurances clauses – have suddenly become very important. The truth is they have always been important. Like footnotes, however, many contracting parties (and even sometimes contract drafters) treat them as if they are inconsequential ancillary add-ons that have more to do with tradition than with transactions.

We even have a dismissive name for them – “boilerplate,” a term once used to describe the metal used to make steam boilers that morphed into a term to describe newspaper writing that could be used over and over again without change. Webster’s now de­fines it as “formulaic or hackneyed language.” But boilerplate, as some are now discovering, can be critically important.

Due to the COVID-19 pandemic, many contracting parties are now dusting off those boilerplate provisions and are paying particular attention to the clause that is commonly referred to as “force majeure.” That is a French term meaning “a superior or irresistible force.” In contract law, it generally indicates that a party’s performance is excused when that performance is made impracticable due to the occurrence of an event that everyone assumed would not occur. Not expecting something to occur, however, is different form assuming that it would not. The question many are now asking is if the lack of a pandemic is an implicit condition contemplated by a contract. The reality is that most contracts are formed without anyone ever considering the effects of a pandemic on the agreement. So, does COVID-19 save you from a claim of breach when you are unable to perform your contractual obligations? Can you get damages when the other party fails to perform because of COVID-19?

Maybe. Maybe not. An unforeseen shutdown of major sources of supply which either causes a marked increase in cost or prevents performance altogether may cause the force majeure provision to be invoked. Performance may also be impracticable because it will involve a risk of injury or sickness that is disproportionate to the ends to be attained by performance.

On the other hand, “impracticability” means more than “impracticality.” A mere change in the degree of difficulty or expense, unless well beyond the normal range, may not amount to impracticability, since it is this sort of risk that a ­fixed-price contract is intended to cover. Furthermore, a party is expected to use reasonable e‑orts to surmount obstacles to performance, and a performance is impracticable only if it is so in spite of such efforts.

In short, the law requires more than inconvenience or even substantial hardship. The legal question is if the agreement was founded on an assumption that a pandemic would not occur. Did you consider the possibility of a pandemic the last time you entered into a contract? Probably not.

So where does that leave us? In unchartered waters. At least with respect to contracts that have already been entered into. The lesson here is that pandemics are now issues that we should consider when making a contract, and force majeure provisions should be tailored to indicate exactly what effect any such situation will have on performance. Consideration should be given to whether performance is excused or just delayed, for instance.

Unfortunately, it often takes a previously unimaginable tragedy like COVID-19 to draw our attention to things that have been important all along. Rare occurrences lull us into complacency. Complacency sometimes results in economically devastating consequences. While social distance and disinfectants may be our main health concerns right now, the health of our business and economic lives shouldn’t be ignored. It’s time to start paying attention to the entirety of contracts, including those provisions we hope we never have to use.

Chuck Borek is a business and tax attorney with almost 30 years of experience representing individuals, small businesses, and nonpro­ts. Chuck earned his joint JD/MBA summa cum laude from the University of Baltimore, where he was the Editor-in-Chief of the Law Review and the recipient of the 1993 Law Faculty Award. He has taught law students as a visiting professor and adjunct professor of law at American University and the University of Baltimore and has lectured at Dickinson law school of Penn State University. Chuck has written for Thomson-Reuters, Bloomberg BNA, and the AICPA. His book on contract drafting is used by lawyers throughout Manyland and has been cited by the Maryland courts.

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By: Stephen R. Elville – President and Principal Attorney — Elville and Associates, P.C.

You are searching for a client care program (whether you know it or not). Yes, you are. Whether you are consciously aware of this or not is the purpose of this article. You do want your estate plan – your Last Will and Testament; or your will substitute, your Revocable Living Trust, to work as you intend it to. You want the terms and provisions of those documents – your documents – to accurately reflect your current thinking and address the current circumstances of your life and the lives of your family members; you want your estate plan to be updated in accordance with the latest changes in the laws, including the tax laws; and you want your financial assets – non-retirement assets such as cash in checking, savings, money market accounts, and certificates of deposit, mutual funds, stocks, bonds, real estate, tangible personal property, intangible personal property, business interests such as ownership in corporations or limited liability companies; beneficiary designated assets such as life insurance, annuities, payable on death accounts, transferable on death accounts; and retirement-type assets (also beneficiary designated) IRAs and qualified plans such as 401(k)s, Thrift Savings Plans, 403(b)s, and 457 plans – to either be intentionally controlled by the terms and provisions of your will or trust; or to intentionally not be controlled by those terms and provisions and instead flow in certain other directions – all intentionally. This intentionalism I will call it is the essence of what real estate planning is all about. Everything else concerning the subject of estate planning fades into insignificance by comparison. If you are not extremely intentional in your estate planning (and this includes elder-related planning, special needs planning, and business planning), your planning will possibly collapse. Since we know that no rational person wants his or her estate plan to risk failure, let’s first remove any doubt that an estate plan can easily fail.

Estate plans can collapse or fail for many reasons, but most of us do not consider just how easy it is for this to happen. Before we review several examples, let’s define what estate plan collapse is by first considering what estate planning is. This is challenging because each person’s estate planning goals are different and therefore each person’s definition of estate planning can be different. But for our general purposes here, one general definition of estate planning might be this: estate planning is the process of disposing of my assets, to the persons or organizations of my choice, at the lowest possible cost. Notice with special emphasis the word process. Others might define estate planning as one or more of the following: ensuring that assets never go to my spouse’s potential new spouse; or protecting against the new spousal elective share law; or making sure estate, gift, inheritance, and income taxes are minimized or eliminated; or protecting retirement plan asset shares and minimizing the impact of the new SECURE Act; protecting the shares of beneficiaries from the claims of creditors; planning successfully for a child or loved one with special needs; planning for a spouse with dementia; ensuring the care, safety, and well-being of parents or grandchildren; and many more. With these ideas in mind and with the knowledge that each individual will have their own definition of what estate planning is and what it means to them, let us define what estate planning carelessness is, as including but not limited to the following examples: lack of a partnership-type relationship with your estate planning attorney; estate planning equals a one-time transaction; lack of a defined process; focus of estate planning is on “documents”; no follow-up or on-going maintenance of the estate plan; no financial advisory or tax professional team; no collaboration of the advisory team; no consideration of changes in the laws; no client legal education; no consideration of unforeseen contingencies; incorrect or non-existent beneficiary designations; no proper asset alignment; lack of understanding of effects of beneficiary designating non-retirement assets; poor selection of fiduciaries; no education of fiduciaries; poor organization (and many more).

Having made outlandish assumptions here about what you intuitively want, and having gone to great lengths to show that estate planning must be carefully and consistently orchestrated in order to ultimately be successful, as is further illustrated in my upcoming book, let us now get to the main thrust of this article – how to be intentional in your estate planning. More specifically, how to practice intentionalism in your estate planning.

We begin by recognizing something very fundamental: being intentional isn’t easy – and we assume that by knowing how to do a thing, we can move forward in a scientific way towards its accomplishment – an estate plan that works as you intend it to. Here is the definition of “intentional”, as defined in Websters Online Dictionary, April 2020: done by intention or design; having external reference. Synonyms include conscious, deliberate, intended, knowing, and purposeful. Antonyms include unintentional, and nondeliberate. Applying this literally then, an intentional estate plan is one that is designed and done with conscious and deliberate intention, with reference to an external process. With this said, can you imagine having an unintentional estate plan? Yet this is what most people unknowingly do, and what they unknowingly have. Understanding the full import of this last sentence is key to overcoming the enormous obstacles to successful estate planning.

In estate planning, being intentional means many things then, among them these: knowing what you want and what your goals are; selecting the correct estate planning attorney; engaging in a partnership-type relationship with your estate planning attorney; expecting and participating in an estate planning process that includes client education as part of that process; aligning your assets with your estate plan in coordination with your estate planning attorney and financial advisory team; committing to maintaining and updating your estate planning on a systematic basis over the years; and participating in a client care program to encourage and accomplish continuing client legal education and updating, including ongoing adjustments to documents and the alignment of assets.

Because the first several intentionality requirements listed here are beyond the scope of this article, we will focus only on the last two – one of which is completely within your control, and the other being almost completely within your control. The first, committing to maintaining and updating your estate planning on a systematic basis over the years to come, is completely within your control. Because of your desire to develop a fully functional estate plan, your recognition of the complexities and considerations involved over a lifetime, and your instinctive understanding of the kind of methodical approach that will be required to overcome the everyday noise and life inertia that keeps so many people from success, you mentally commit that incapacity and death planning (the primary elements of estate planning) will become a routine part of your life, and as such it will be scheduled on your calendar. You can do this on your own, and you may have already made the necessary commitment right now during your reading of these words. The second, participating in a client care program to encourage and accomplish continuing client legal education and updating, including ongoing adjustments to the alignment of assets, is almost completely within your control, but ultimately is not. Here’s why. Try as they may (and usually “trying” is the exception), hundreds of estate planning law firms across the United States fail to implement a client care program, otherwise known as a client maintenance and updating program. By failing to do this, these law firms ensure the potential collapse of at least some of their clients’ estate plans at best, and of a majority of their clients’ estate plans at worst. This is quite a statement, and quite an indictment I know. But consider this – how many people in the United States actually have an estate plan? We know the answer – only a minority of the population. Going one step further, how many people meet with an attorney to sign a will or revocable trust, then never hear from that attorney again, or in all fairness to the attorney or law firm, never contact the attorney again? We don’t know the exact number(s) of course, but we intuitively know the answer. Further, consider this – how many people today sign wills or trusts without an attorney, then never follow up or revisit their planning, and never consider the alignment of their assets? We know the sad answer to this too.

This leads us to an obvious and final dilemma. If you are a conscientious person who is willing to commit to estate planning that works as you intend it to, then you must find an estate planning attorney or estate planning law firm who understands your commitment and agrees to commit to you by providing you with the opportunity to achieve success by participating in a comprehensive client care program, one that ensures victory in your estate planning through continuous, repetitious maintenance and updating of documents and the alignment of assets, client continuing education, fiduciary education, inclusive family participation, educational and social events, collaboration with financial and tax advisors, and exclusive ancillary services – again, all for the purpose of cultivating and encouraging real success in estate planning. By having read this article, or perhaps having been led to read it, we know you have the spark of commitment – you have what it takes. You know you are the hero of the story – your own story, and you are now setting out on your estate planning journey to find an estate planning attorney/estate planning law firm worthy of you. You intuitively know you must make this journey. And now you know what you must do and what you must look for. The search begins.

Stephen R. Elville is the founder, principal, and lead attorney of Elville and Associates, P.C., an Estate Planning, Elder Law, and Special Needs Planning law firm in central Maryland. The mission of Elville and Associates is to provide practical solutions for clients’ needs through counseling, education, and superior legal-technical knowledge. This is accomplished through a focus on client legal education, collaboration with professional advisors, and through compassion and a caring for clients model. Elville and Associates is one of only 60 law firms in the U.S. that is accredited by the Client Care Academy in Boston, Massachusetts. Through Elville and Associates’ Client Care Program, clients are provided with the opportunity to participate in a partnership-type arrangement designed to facilitate comfort and assurance that estate, elder law, and special needs plans will stay maintained and updated over the passage of time and ultimately work as intended at the time of maturity. To learn more about Intentionalism in estate planning and Elville and Associates’ Client Care Program, please contact Stephen R. Elville at 443-393-7696, or via email at steve@elvilleassociates.com; or Mary Guay Kramer at 443-741-3635, or via email at mary@elvilleassociates.com.

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Message from Stephen R. Elville, President and Principal Attorney

I am proud to announce that Charles A. (“Chuck”) Borek, JD, MBA, CPA is now Special Counsel to Elville and Associates, and that his offices are now located at Elville and Associates’ main offices at 7100 Columbia Gateway Drive, Suite 190, Columbia, Maryland 21046.  As an expert in the areas of business and taxation, a Certified Public Accountant, and a long-time law school professor, academician, writer, and presenter, Chuck brings his vast experience and knowledge to Elville.

and Associates as we expand our business planning, business transactions, business succession, taxation, and tax controversy practice areas.  I’m exceedingly pleased that our clients will now have access to and the benefit of Chuck’s professional skills and capabilities as Elville and Associates continues its mission and vision of educating and caring for clients in estate planning, elder law planning, special needs planning, and now business planning, through leading-edge legal-technical knowledge.  As a further introduction to Chuck Borek, I am including his biography below.

”Chuck Borek is a business and tax attorney with almost 30 years of experience representing individuals, small businesses, and nonprofits. Chuck earned his joint JD/MBA summa cum laude from the University of Baltimore, where he was the Editor-in-Chief of the Law Review and the recipient of the 1993 Law Faculty Award. He has taught law students as a visiting professor and adjunct professor of law at American University and the University of Baltimore and has lectured at Dickinson law school of Penn State University. Chuck has written for Thomson-Reuters, Bloomberg BNA, and the AICPA. His book on contract drafting is used by lawyers throughout Manyland and has been cited by the Maryland courts. Additionally, Chuck presents seminars to CPAs and lawyers around the country though his company The Borek Group, LLC, including presentations to “Big 4” accounting firms and Fortune 500 companies. He lives with his wife, the youngest of his four children, and two dogs in Howard County and is currently pursuing graduate work in theology and literature at Wesley Theological Seminary in Washington, DC. “

Chuck can be reached at chuck@elvilleassociates.com or via phone at 443-393-7696.

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By:  Stephen R. Elville, J.D., LL.M. – President and Founder – Elville Center for the Creative Arts, Inc.

It’s casual virtual Friday at Elville and Associates and here’s what’s on my mind.  This morning I noticed how green and beautiful my yard is after all the April showers.  And oh, during this sad and challenging time I find myself once again absorbed in music, Johann Sebastian Bach‘s music for piano that is.  Yes, once again I am fascinated and awestruck by Bach.  How could this “ordinary” church organist have been so very extraordinary?  While I am not a music historian or expert like Jonathan Palevsky and our other friends at WBJC, to me this is one of the great mysteries that leaves me speechless, especially after listening to a master like Murray Perahia play Bach, or after sitting down at my piano to practice one of the (easier) French Suites.  What does my simple morning diatribe here mean?  Maybe this:  even while we persevere, adapt, withstand long suffering difficulties, endure tragedy, laugh, cry, and overcome during the COVID-19 disaster, let us remember that greatness, beauty, and wonder still surround us and can be explored and appreciated by us – even now.  Along these lines, the Elville Center for the Creative Arts is introducing a new program for children and adults during the COVID-19 disaster and beyond.  It’s called Access To Music (ATM) – a virtual online program where Elville Center music instructors will provide music theory and application lessons to people of all ages at no cost.  Stand by for more information in the coming days and weeks about this important new program.

The purpose of the Elville Center for the Creative Arts is to improve the quality of life of children of all ages by providing them the opportunity to learn music theory and application, experience cultural events related to the musical and creative arts, and to use music and the promotion of music-related activities to transcend social and economic divisions.

We are working with local and regional businesses and private donors to partner with schools’ music programs to provide musical instruments, rentals, music lessons and participation in music-related activities for children of all ages. We’re actively seeking monetary pledges and donations of used instruments of any kind, which will be refurbished (Donations may be tax-deductible. Please consult with your tax advisor).

For more information or to get involved, please contact President and Founder Stephen Elville at steve@elvilleassociates.com or Executive Director Jeffrey Stauffer at jeff@elvilleassociates.com, or call us at 443-393-7696.  Please also visit www.elvillecenter.org to learn more about the Elville Center and how you can donate and support our initiatives!

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By:  Stephen R. Elville, J.D., LL.M. – President and Principal Attorney of Elville and Associates, P.C.

Estate planning consultations are free at Elville and Associates.  Reviews of existing wills, trusts, powers of attorney, and advance medical directives are also free.  Considering that most people either do not have an estate plan or do not update their existing estate plan for nearly 20 years at a time, doesn’t a no obligation consultation or review make sense?  Contact Elville and Associates today for your free estate planning consultation and review of any existing estate planning documents.  It’s your legacy.

Are you taking the time to think about this important estate planning issue?

Stephen R. Elville is the principal and lead attorney of Elville & Associates, P.C., a leading estate planning, elder law, and special needs planning law firm in Maryland. Elville and Associates engages clients in a multi-step educational process to ensure that estate, elder law, and special needs planning works from inception, throughout lifetime, and at death. Clients are encouraged to take advantage of the Planning Team Concept for leading-edge, customized planning. The education of clients and their families through counseling and superior legal-technical knowledge is the practical mission of Elville and Associates. If you would like to set an appointment with Mr. Elville to discuss estate or elder law planning issues, you may contact him at 443-393-7696, or via email at steve@elvilleassociates.com.    #elvilleeducation

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By: Nicole T. Livingston – Associate Attorney – Elville and Associates, P.C.

As an estate planning attorney, I cannot stress enough the importance of having a legal document called a power of attorney.   A power of attorney is a legal document where you name a person to step into your shoes to handle your financial and medical affairs if you are unable to do so yourself.   These are usually multiple documents.   Typically, you have one set of documents to handle financial matters and a second set of documents for medical affairs.  Generally, the medical documents are not as lengthy, because you do not want your physician flipping through twenty pages to understand your medical wishes.

The General Durable Power of Attorney and the Maryland Statutory Form Personal Financial Power of Attorney are the two legal documents you should have regarding your financial matters.   The General Durable is a misnomer as this document is rather detailed and lengthy.   In Maryland, you need to specify which actions your agent is allowed to handle for you.   Examples are allowing your agent to go to the post office to change your mailing address, filing your tax returns, liquidating your business, accessing your digital accounts, or accessing your bank accounts to pay your bills.  You decide how much power you want your agent to have or not have.  Your agent is the person who you name to handle these matters on your behalf.  The Maryland Statutory Form Personal Financial Power of Attorney is a document created by the Maryland legislature and cannot be changed.   You need to use the exact form to be in compliance with the statute.   When you sign this Statutory Form, a bank cannot refuse to honor the document on its face.  Meaning, at the time your agent presents this document to the bank, the bank cannot refuse to honor it due to the length of time (possibly more than three or five years) from when the power of attorney was originally signed.   This was a common problem before the statute was passed.

The second set of documents you should have pertains to health care matters.  You should have an Advance Medical Directive which consists of a Health Care Power of Attorney and a Living Will.  The Health Care Power of Attorney allows you to name a person to make medical decisions for you if you cannot do so yourself.  If possible, you should also name a back up if your first choice is not available at that time.  The Living Will is a document that allows you to make choices regarding end of life decisions.  You can decide when you are at the end of life whether or not you want to remain on a ventilator or have a feeding tube.   In addition, you need to make your wishes known regarding pain management, organ donation, and final disposition of your body.   These are often difficult choices to make.   Often, the decisions you make now makes it easier for the people you leave behind.

In my next blog, I will discuss questions regarding who may act as your agent and whether or not they should have these powers immediately or only upon your incapacity.   Remember, powers of attorney only work for you while you are alive.   The powers in the document end at your death.

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By: Stephen R. Elville, J.D, LL.M., Principal and Lead Attorney – Elville and Associates, P.C.

OK, it’s time to “get real” as we used to say in the seventies. A wonderful financial advisor friend of mine, a Certified Financial Planner actually, once said to me over dinner, “Steve, you do a stellar job of educating clients and their families about estate planning, elder law, and special needs planning, but what about organization?” The dinner had been going extremely well up to that point, and I had just reached for another shrimp cocktail when he dropped this verbal bomb. Unbeknownst to him, I temporarily froze, and my mind went blank like a computer screen that has just lost power. Feeling the need to keep my composure and continue impressing my friend with my knowledge and intellectual prowess, I quickly realized that I had no good answer. After stumbling around a bit, I mumbled something about estate planning binders, thumb drives, and rooms full of file cabinets. He smiled gently and calmly said something I will never forget: “What good is education without organization?” To this day, based on my experiences with thousands of clients, I believe he was absolutely right. Organization is one of the key elements of estate planning.

When the COVID-19 health disaster began, and continuing for many weeks thereafter, our government, and most individuals and families, were caught unprepared. Vital supplies, supply lines, contingency plans, services, and more were either in a state of shortage or non-existence, interrupted, disorganized, or understaffed. The negative results and effects of our national and individual unpreparedness need no explanation here – they were and are tragic and are known to everyone, never to be forgotten during our lifetimes and for decades and even centuries to come. A general lack of preparedness and organization likely caused the illness or death of many people, proving that our country and our citizens largely disbelieved that such a catastrophe could occur.

I believe that the cataclysmic COVID-19 pandemic is a metaphor for life and its relationship to estate planning. If the health crisis disaster suggests anything to or about the social order, and if events over the past 100 years are indicative of anything, we must collectively realize that anything is possible and that our modern technology-driven society is not insulated from the effects of nature. We must accept that life represents a series of risks and mitigate those risks through preparedness and organization. In estate planning, preparedness means planning for life (incapacity planning with powers of attorney and advance medical directives) and planning for your legacy (death planning with wills or trusts), along with collaborative financial and tax planning with financial advisors and CPAs. This estate planning, financial planning, and tax planning should be coupled with on-going lifetime continuing education to ensure that your planning ultimately works as you intend it to, and that it does not fail. But this comprehensive planning is not enough without intentional and purposeful organization. We could even go as far as saying that this organization must be extreme.

Along these lines, consider two scenarios – one during your lifetime, and one after your death. Let us talk about the lifetime example first, and let’s assume you’ve already taken care of the preparedness aspect – you already have a will or trust, along with powers of attorney and an advance medical directive, and you’ve worked with your collaborative team of advisors to ensure that all assets are properly aligned with your plan, and you’ve continued to educate yourself and your fiduciaries about your planning and their responsibilities relating thereto. Now imagine that you’ve become disabled and cannot manage your own affairs. Where are your financial powers of attorney and advance medical directive located? Where have you stored them? Do you know? Does your agent know where the original documents are? Can they access them? If you’ve utilized a safe deposit box arrangement, does your agent have access to that safe deposit box? If you’ve chosen to utilize a home safe or other similar arrangement, can the agent get access? Where are the keys, codes, or combinations kept? Are your documents stored digitally? If so, where are they and how can they be accessed? Have you authorized your agent(s) to manage your digital assets? Have you organized a digital asset spreadsheet? Do you have a digital archive, and if so, is your agent aware of this? How will your agents find your passwords? Have you provided a set of instructions for your agent about how to manage your affairs during your lifetime – a lifetime memorandum of intent? Are there any persons who are dependent on you, and if so, have you provided instructions to your agent outlining about how they are to provide for those persons? This list is not exclusive, and there may be many other considerations depending on your family’s unique circumstances.

Turning now to the death example, many of the same above-mentioned questions and examples apply. Does your personal representative or trustee know where your will or trust is located? Have you educated them about the nature of these documents and how to access them? If you have a will, is it registered? Have you carefully identified your assets and provided a spreadsheet or list for easy review, including digital assets? Have you clarified how the assets are titled, and how those assets will flow at your death in relationship to your will or trust? Have you provided a letter of wishes or memorandum of intent for your trustee? Have you prepared written instructions for your fiduciaries giving them guidance about what next steps they should take after your death, how to administer your estate or trust, and who your attorneys, CPAs, and financial advisors are?

It has been said that there is an opportunity or a benefit in every adversity. One such opportunity or benefit stemming from recent world events is that we all can consider and learn from my friend’s gentle but deadly serious admonition: preparedness, continuing education, financial, and tax literacy are vital and necessary components of personal success, including comprehensive estate planning – but without organization – the systematic and logical organization of documents, assets, and systems, along with access plans, our planning house, set on an otherwise firm foundation, can crack and come crumbling down at some unexpected time when it is needed most. As I conclude this article, I can say now that I know the answer to my friend’s question of so long ago, “what good is education (in estate planning) without organization?” The answer is: it is stupendous, vital, fundamental, and critical to success; but its value becomes limited where no extreme organization exists, due to the state of our lives and world, and the nature of estate planning when it is needed during a time of incapacity or at death. Therefore, after a lifetime as an estate planning attorney, I have concluded that education and organization are synonymous with success in estate, elder law, and special needs planning. Isn’t it time to get organized?

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By:  Stephen R. Elville, J.D., LL.M. – Principal and Lead Attorney of Elville and Associates, P.C.

Business owners need to do maintenance and updating too! An annual review of books and records, compliance, structure, taxation and tax-related issues, goals and objectives. business succession and continuity, risk assessment, and strengthening and ensuring asset protection are all part of a healthy process. If you are a business owner who does not routinely schedule an annual review of these issues, you are potentially at risk in one or more areas and now is a great time to start. To schedule a business compliance and risk assessment review, contact Stephen Elville and Elville and Associates at 443-393-7696, or via email at steve@elvilleassociates.com; or Mary Guay Kramer at 443-741-3635, or via email at mary@elvilleassociates.com.

Are you taking the time to think about this important business-related issue?

Stephen R. Elville is the principal and lead attorney of Elville & Associates, P.C., a leading estate planning, elder law, and special needs planning law firm in Maryland. Elville and Associates engages clients in a multi-step educational process to ensure that estate, elder law, and special needs planning works from inception, throughout lifetime, and at death. Clients are encouraged to take advantage of the Planning Team Concept for leading-edge, customized planning. The education of clients and their families through counseling and superior legal-technical knowledge is the practical mission of Elville and Associates. If you would like to set an appointment with Mr. Elville to discuss estate or elder law planning issues, you may contact him at 443-393-7696, or via email at steve@elvilleassociates.com.    #elvilleeducation

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By:  Stephen R. Elville – Principal and Lead Attorney of Elville and Associates, P.C.

Today is National Healthcare Decisions Day.  According to the Five Wishes website, www.fivewishes.org, “National Healthcare Decisions Day (NHDD) is a nationwide initiative that encourages adults of all ages to plan ahead of a health crisis.”  If you live in Maryland, you should learn about and understand healthcare decision making in Maryland and what it means for you.  Go to www. marylandattorneygeneral.gov.  To test your healthcare decision making literacy, begin by asking yourself the following questions:  (1) Do I have an advance medical directive?; (2) Have I expressed my thoughts, ideas, goals, values, and concerns about my healthcare decision making to my loved ones or other people who will serve as my healthcare agents?; (3) Do I know the location of my advance medical directive, have I made a copy available to my agent(s), and have I made photocopies of the originals?; (4) Do I have a basic understanding of healthcare decision making policy in Maryland, including MOLST?; and (5) Do I understand the digital archive choices that are available to store my healthcare documents and make them available 24/7, along with MIDEO?  Healthcare decision making – it’s one of the essential elements of estate planning.

Are you taking the time to think about your healthcare decision making?

Stephen R. Elville is the principal and lead attorney of Elville & Associates, P.C., a leading estate planning, elder law, and special needs planning law firm in Maryland. Elville and Associates engages clients in a multi-step educational process to ensure that estate, elder law, and special needs planning works from inception, throughout lifetime, and at death. Clients are encouraged to take advantage of the Planning Team Concept for leading-edge, customized planning. The education of clients and their families through counseling and superior legal-technical knowledge is the practical mission of Elville and Associates. If you would like to set an appointment with Mr. Elville to discuss estate or elder law planning issues, you may contact him at 443-393-7696, or via email at steve@elvilleassociates.com.    #elvilleeducation

Tags: Healthcare, National Healthcare Decisions Day
Posted in Blog | Comments Off on Test Your Healthcare Decision Making Literacy on National Healthcare Decisions Day Today, April 16th

By:  Stephen R. Elville – Principal and Lead Attorney of Elville and Associates, P.C.

Tomorrow, Thursday, April 16, 2020, is National Healthcare Decisions Day.  According to the Five Wishes website, www.fivewishes.org, “National Healthcare Decisions Day (NHDD) is a nationwide initiative that encourages adults of all ages to plan ahead of a health crisis.”  If you live in Maryland, you should learn about and understand healthcare decision making in Maryland and what it means for you.  Go to www. Marylandattorneygeneral.gov.  Healthcare decision making – it’s one of the essential elements of estate planning.  

Are you taking the time to think about your healthcare decision making?

Stephen R. Elville is the principal and lead attorney of Elville & Associates, P.C., a leading estate planning, elder law, and special needs planning law firm in Maryland. Elville and Associates engages clients in a multi-step educational process to ensure that estate, elder law, and special needs planning works from inception, throughout lifetime, and at death. Clients are encouraged to take advantage of the Planning Team Concept for leading-edge, customized planning. The education of clients and their families through counseling and superior legal-technical knowledge is the practical mission of Elville and Associates. If you would like to set an appointment with Mr. Elville to discuss estate or elder law planning issues, you may contact him at 443-393-7696, or via email at steve@elvilleassociates.com.    #elvilleeducation

Tags: Healthcare
Posted in Blog | Comments Off on National Healthcare Decisions Day – Thursday, April 16th