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Do you Know?*

Do you know that every bank has its own version of a power of attorney for their accounts?

Do you know that there is more than one type of medical related Power of Attorney?

Imagine you inherit some money, some property. Now what? How do you go from “inheriting” to “legally owning”?

Do you know whether or not you are entitled to discounts on any government/municipal services?

Do you know how to access all your pensions and other retirement plans?

Do you  know that every Israeli employer has to pay into your pension fund every month, even if they pay you “elsewhere”?

Do you know the meaning of every word in your rental contract?

If you know the answers to most of these questions, then chances are  you yourself are an attorney.

If you are not an attorney, and prefer an experienced and knowledgeable attorney with English and Hebrew at mother tongue level, then it’s time to call me.

I can even train you to be able to do some of the above yourself.

I am the added value that you need.

“Mindy has helped me with many legal matters, not only saving me money, but procuring funds, and saving me much headache.

Her expertise in the area of disability was invaluable to me. Her wise and patient counsel in the ways of Israeli life and legal issues is really an asset. Thank you, Mindy. A, Modiin

* The contents of this blog do not constitute legal advice; these are merely possible scenarios.

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Corona Magic!*

Here are some things that have been working out better than expected:

1. The Health Ministry – Misrad Habriyut *5400 – they have never been more amenable! They actually answer the phone in a timely fashion and give clear, relevant answers (and not just regarding Corona – my clients have many other, often complicated, issues)!

2. The new government central number (my secret) –

 They have helped me with real estate transactions, when the Property Tax office either did not answer, or was incapable.

They helped with Transport Ministry matters – my client had been waiting for months for a new drivers’ license; I got it for her in one phone call!

They’ve helped me with technical difficulties with the Justice Ministry website.

3. The Rabbinic Court – have been very helpful in obtaining old files for my clients – various judgements, including Probate orders from years ago.

4. Deadlines – by the banks, courts, tax authorities, insurance companies, etc. have all been graciously extended.

5. General Professional Flexibility – my experience has been a generosity of spirit amongst lawyers, accountants, and between them and their clients. Notably, Macabi Health Services has been outstanding in their administrative patience and care!

6. And, the winner is:

 Bituach Leumi! They have come through for the elderly and the disabled in a way that no seasoned pessimist could have predicted.

*I’ve chosen to focus on the positive!

* The contents of this blog do not constitute legal advice; these are merely suggested scenarios.

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On Banks and Aging and the Alternatives

There is no viable alternative to aging – viable being the key word here.

But we can age with more grace, bureaucratic stability and good health than ever before.

I can only offer advice on the bureaucracy – nothing more; but I believe this is crucial for grace and health.

No worries is something you put on a car sticker – but it can also become a reality.

Take care of just a few, small things – prevent them from growing out of proportion, now, while you can; then you will be able, indeed, get to a place of no worries, and focus on what you want (and not what you’re merely trying to prevent.

1. The banks – Go to your bank and get a clearer idea of the conditions of control of your account:

            * if it’s a joint account, what are the rights of the survivor?

* if someone else “just” has signatory powers – do they have a power of attorney as well? How will the bank relate to them after 120 years?

*  what is your overdraft allowance?

2. Aging –  You have rights!

* depending on your age, you may be eligible for an old-age pension from Bituach Leumi;

* if you are still relatively healthy, you might want to consider getting nursing care “Siudi” insurance, either through your health fund, Kupat Cholim, or privately through any insurance company in Israel;

* if you do have health problems, you will want to consider applying to Bituach Leumi, to be recognized for a certain level of disability – you may be eligible for services/discounts/ a stipend.

3. Office of Equal rights – HaMisrad L’Shivyon Zechuyot – Their number is *8840. When you leave a message in English, an English speaker will call you back – they’re pretty reliable.

4. Call me!

The contents of this blog do not constitute legal advice; these are merely suggested scenarios.

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Olim Empowered! Seniors Empowered!

Wait, what do these two groups have in common? What about Israeli seniors – don’t they already know everything?

What each of these groups has in common with the others, is that each is missing a piece of the puzzle, through no fault of their own.

Here are some “day after” scenarios:

Finances: Olim and seniors need to have planned for their financial future, budgeted and allotted funds for various needs, before they became Olim and seniors. Afterwards, before it’s too late, planning is also useful. Where is your money coming from? Overseas? Your local employer? Your pension fund?

How many of us, who have worked at more than one job, know precisely what pension funds we have monies with?

Insurance: How many of us have exact duplicate medical insurance? How many of us have life insurance policies that do include savings? Who has a policy that does not? Who just turned 70 (mazal tov!) and no longer has life insurance altogether?

The Future: No matter what your marital status, or the size of your family YOU MUST HAVE A WILL. I cannot stress this enough. I know widows who are chained to their houses, because their children, their new partners in ownership (there was no Will) do not want to sell the house. I know children from a first marriage, who live abroad, wanted nothing to do with their late mother’s estate (again, no Will), and had no choice but to travel for hours in order to sign forms at an Israeli Consulate. They actually had to pay to give up their legal portion in the Estate.

Olim and seniors face a variety of potential complications, when they reach their special milestone;  I can assist, so that it doesn’t become a millstone around their necks.

The contents of this blog do not constitute legal advice; these are merely suggested scenarios.