58 Elm Street Waterville, Maine (207) 660-9191

Our Services

Our services are "person centered" as opposed to "transactional centered." We first determine what is really important to the client, looking at the person as a "whole person."

Understanding our clients' legal issues and anticipating their needs. Knowing what works and where there may be pitfalls. Knowing what solutions are available and which solutions may work better for our clients' individual circumstances. Staying knowledgeable of new developments and keeping our clients informed. These are not only the attributes of a successful firm, but they are also the qualities you'll find at Nale Law Offices.

Nale Law Offices provides our clients with expertise and advice covering virtually every aspect of Elder Law, from MaineCare (Medicaid) asset protection planning to care management. Each of our clients can expect us to be responsive, attentive and flexible, and to communicate on a regular basis and in understandable terms. This approach can be seen in many ways, from the simple assurance that telephone calls are returned promptly to our fast response to a client emergency.

Nale Law Offices uses the latest technology to bring clients optimal benefits through efficiency in communication by our website, e-mail, fax, case management systems, and telephone conferencing. Our website contains legal updates, articles and detailed descriptions of our practice areas.

Areas of Elder Law Practice

Retirement Planning - We assist clients with retirement planning by helping them understand the Medicare health coverage system, including Medicare A and B, Medicare Advantage Plans, Supplement Plans and Prescription Drug Plans. We also assist with the Social Security Retirement benefit, the pros and cons of different retirement ages and understanding other retirement assets, such as traditional IRAs, 401 plans, annuities, pensions, and other possible sources of income. We also assist with early long-term care planning, including long-term care insurance, life insurance, and asset protection planning for government benefits. Also see Medicare, Medicare Part B, Medicare Part D, and Coordination of Health Insurance Benefits with Traditional Medicare.

Advance Directives - Advance directives are documents that a person signs in advance of declining physical and/or mental capabilities. The health care power of attorney advance directive grants authority to another to act for you regarding health, medical, and end-of-life decisions. By executing this document in advance you get to choose the "agent" who can act for you during the time you are unable to make health care decisions. The execution of a durable financial power of attorney grants to the agent or attorney-in-fact the authority to make legal, financial, and personal decisions for you in the event you are unable to do so. The grant of authority under each document imposes a duty of ethical representation of the principal by the agent. A person may not perform legal tasks for an incapacitated adult without legal authority. The authority granted through these advance directives avoids the need to file petitions in probate court for guardianship and conservatorship. Also see Durable Powers of Attorney and Planning for Health Care Decision Making.

Guardianship and Conservatorship - Without proper advance directives in place, such as health care power of attorney and durable financial power of attorney, one may need to petition the probate court for guardianship and/or conservatorship authority. The guardianship authority as granted by the probate court would grant authority to an agent to act on behalf of the incapacitated person regarding healthcare decision making. The conservatorship authority as granted by the probate court would grant authority to an agent to act on behalf of the incapacitated person regarding personal, legal, and financial affairs. Also see Guardianship & Conservatorship.

Blended Family Planning - These days it is not uncommon for clients to have been married before and now married again. We appreciate that couples bring different assets and families into the second marriage. Listening to the clients, understanding their goals and family matters helps us prepare a long-term care and estate plan that results in preservation of assets and an orderly distribution of those assets.

Long-Term Care Planning - The advice and assistance provided for long-term care planning depends on the age and health of the client. For the younger retiring client we assist with alternative ways to pay for long-term care such as long-term care insurance, life insurance, annuities, and other private measures to assist with this potentially costly need for long-term care.

At an older age we assist with, first and foremost, how to keep the elder home, aging in place. We assist with informal at-home care coming from family and friends. We also assist with private pay at-home care and assist with care options outside the home when necessary. We help with accessing a long-term care insurance benefit and other private pay options and we also assist with qualifying for government benefits such as MaineCare and/or veterans' benefits. With proper planning, either at an early age or an advanced age, your hard earned assets can be preserved and protected for the benefit of your spouse and/or heirs. Also see Medicaid and Long-Term Care Insurance.

Estate Planning and Probate Administration - We assist with probate administration by focusing on the goals of the client to be accomplished, as well as accomplishing an inventory of the assets, an accounting of transactions as called for, and the efficient and effective distribution of assets to beneficiaries. Also see Estate Planning and Probate.

Trusts and Trust Administration - Trusts are created for a number of different purposes. Revocable trusts are created mainly for the purpose of avoiding probate. Irrevocable trusts are created mainly for the purpose of preserving and protecting assets when qualifying for a government benefit. Supplemental needs trusts are used to manage and protect assets for a person who may receive public benefits. A supplemental needs trust can provide funds to a disabled person without affecting the recipient's eligibility for various government benefits. Also see Living Trusts.

Elder Abuse, Neglect, and Exploitation – When circumstances show that an elder or incapacitated person is the subject of abuse, neglect, or exploitation we get involved as advocates for the abused person. Our state laws set forth a number of civil and criminal laws designed to protect elders and incapacitated persons from abuse, neglect, and exploitation. We advocate for these laws before the Maine Legislature and when called upon, and as necessary, we advocate for the client who is the subject of such abuse. Also see Elder Abuse, Neglect and Exploitation.