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	<title>Four Pillars Law Firm</title>
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	<link>http://www.EstatePlanningAttorneyWilmingtonNC.com</link>
	<description>(910) 762-1577</description>
	<lastBuildDate>Thu, 23 May 2013 15:13:09 +0000</lastBuildDate>
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		<title>&#8220;Sole Benefit&#8221; Payments Expanded</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/legislation/sole-benefit-payments-expanded/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/legislation/sole-benefit-payments-expanded/#comments</comments>
		<pubDate>Thu, 23 May 2013 15:13:09 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Legislation]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Medical Expenses]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[Trust Planning]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1973</guid>
		<description><![CDATA[After much concern and some troubling provisions, the Social Security Administration (SSA) has revised its manual and policies to allow first-party supplemental needs trusts to pay for some expenses previously not considered for the “sole benefit” of the trust beneficiary. &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/legislation/sole-benefit-payments-expanded/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Be Careful Who You Trust</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/estate-planning-administration/be-careful-who-you-trust/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/estate-planning-administration/be-careful-who-you-trust/#comments</comments>
		<pubDate>Tue, 21 May 2013 22:15:15 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Estate Planning & Administration]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Power of Attorney]]></category>
		<category><![CDATA[Protecting Inheritence]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1969</guid>
		<description><![CDATA[One of the most important decisions you can make is who to entrust as agent over your financial affairs. Executing a General Durable Power of Attorney authorizing someone to make financial and legal decisions on your behalf is an essential &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/estate-planning-administration/be-careful-who-you-trust/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Pets may Boost Heart Health</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/firm-news/pets-may-boost-heart-health/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/firm-news/pets-may-boost-heart-health/#comments</comments>
		<pubDate>Thu, 16 May 2013 15:47:34 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Firm News]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Heart Health]]></category>
		<category><![CDATA[Pets]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1963</guid>
		<description><![CDATA[For anyone who has visited my office, you know my dog Barrister (“Barr”) is always in attendance. He has been a joyful addition to my law firm since he first adopted me when he was a baby.  He provides warmth &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/firm-news/pets-may-boost-heart-health/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Long Term Care Insurance Hybrid Policies Gaining Traction</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/long-term-care-insurance-hybrid-policies-gaining-traction/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/long-term-care-insurance-hybrid-policies-gaining-traction/#comments</comments>
		<pubDate>Tue, 14 May 2013 17:11:48 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Elder Law & LTC Planning]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[Medical Expenses]]></category>
		<category><![CDATA[Skilled Nursing Facility]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1958</guid>
		<description><![CDATA[One of the biggest concerns purchasers have in buying long term care insurance is whether they will ever need it and the potential loss if it is never used. However, long term care is expensive and many people understand the &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/long-term-care-insurance-hybrid-policies-gaining-traction/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>End-of-Life Decision-Making Made NOW</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/estate-planning-administration/end-of-life-decision-making-made-now/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/estate-planning-administration/end-of-life-decision-making-made-now/#comments</comments>
		<pubDate>Thu, 02 May 2013 12:57:47 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Elder Law & LTC Planning]]></category>
		<category><![CDATA[Estate Planning & Administration]]></category>
		<category><![CDATA[Estate Planning]]></category>
		<category><![CDATA[Family]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Healthcare Directives]]></category>
		<category><![CDATA[Healthcare Power of Attorney]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[Medical Expenses]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1908</guid>
		<description><![CDATA[Just as we create estate plans for our eventual demise, we also need to plan ahead for the possibility that we will become sick and unable to make our own medical decisions. Medical science has created many miracles, among them &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/estate-planning-administration/end-of-life-decision-making-made-now/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<title>What Happens if Your Long Term Care Insurance Company Fails?</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/what-happens-if-your-long-term-care-insurance-company-fails/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/what-happens-if-your-long-term-care-insurance-company-fails/#comments</comments>
		<pubDate>Tue, 30 Apr 2013 17:17:29 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Elder Law & LTC Planning]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medical Expenses]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1905</guid>
		<description><![CDATA[When you buy long-term care insurance years before you need it, you are taking a gamble that the company will still be around when it is time to pay out. But what happens if the company goes out of business? &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/what-happens-if-your-long-term-care-insurance-company-fails/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Is a Reverse Mortgage Right for You?</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/is-a-reverse-mortgage-right-for-you-2/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/is-a-reverse-mortgage-right-for-you-2/#comments</comments>
		<pubDate>Thu, 25 Apr 2013 14:47:27 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Elder Law & LTC Planning]]></category>
		<category><![CDATA[Government Benefits]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[At Home Care]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Medical Expenses]]></category>
		<category><![CDATA[Monthly Income]]></category>
		<category><![CDATA[Personal Finance]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1895</guid>
		<description><![CDATA[While reverse mortgages may look like no-lose propositions on the surface, they also have some significant downsides. First, the closing costs for these loans are about double those for conventional mortgages. For example, closing costs on a $110,000 reverse mortgage &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/is-a-reverse-mortgage-right-for-you-2/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Reverse Mortgages: The Basics</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/reverse-mortgages-the-basics/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/reverse-mortgages-the-basics/#comments</comments>
		<pubDate>Tue, 23 Apr 2013 14:07:54 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Elder Law & LTC Planning]]></category>
		<category><![CDATA[Government Benefits]]></category>
		<category><![CDATA[Long Term Care]]></category>
		<category><![CDATA[At Home Care]]></category>
		<category><![CDATA[Financial Planning]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[Independent Living]]></category>
		<category><![CDATA[Monthly Income]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1888</guid>
		<description><![CDATA[Under our &#8220;system&#8221; of paying for long-term care, you may be able to qualify for Medicaid to pay for nursing home care, but in most states there&#8217;s little public assistance for home care. Most people want to stay at home &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/reverse-mortgages-the-basics/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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		<title>Finding the Medigap Supplemental Policy for You</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/finding-the-medigap-supplemental-policy-for-you/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/finding-the-medigap-supplemental-policy-for-you/#comments</comments>
		<pubDate>Thu, 18 Apr 2013 15:47:01 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Elder Law & LTC Planning]]></category>
		<category><![CDATA[Health Insurance]]></category>
		<category><![CDATA[Medical Expenses]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1852</guid>
		<description><![CDATA[As Medicare does not cover all health needs, many enrollees choose to enroll in a Medigap supplemental policy to help pay for co-payments, co-insurance and deductibles. However, not all Medigap supplemental policies are created equally.  The supplemental policy that may &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/elder-law-ltc-planning/finding-the-medigap-supplemental-policy-for-you/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
		</item>
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		<title>Smart Phone Apps for Retirees</title>
		<link>http://www.EstatePlanningAttorneyWilmingtonNC.com/retirement/smart-phone-apps-for-retirees/</link>
		<comments>http://www.EstatePlanningAttorneyWilmingtonNC.com/retirement/smart-phone-apps-for-retirees/#comments</comments>
		<pubDate>Tue, 16 Apr 2013 13:07:26 +0000</pubDate>
		<dc:creator>Kelly</dc:creator>
				<category><![CDATA[Retirement]]></category>

		<guid isPermaLink="false">http://www.EstatePlanningAttorneyWilmingtonNC.com/?p=1848</guid>
		<description><![CDATA[Smart phones aren&#8217;t just for “techies” anymore&#8230; they’re about as mainstream as something gets these days.  So, you might as well make use of your smart phone capabilities instead of using it solely to call your friends and family. There are quite &#8230; <a href="http://www.EstatePlanningAttorneyWilmingtonNC.com/retirement/smart-phone-apps-for-retirees/">Continue reading <span class="meta-nav">&#8594;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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