Long-term care insurance can ease the burdens of aging by covering the cost of services-such as nursing home or in-home daily living care-not typically covered under Medicare and other health insurance plans. While this coverage can be expensive, there are multiple options to consider, and long-term care partnership programs in many states, including West Virginia (WV), Kentucky (KY), and Ohio (OH), seek to make long-term coverage more affordable and attractive to wider groups of people.

This blog is the second in a series of six. The first blog of the series presented a general overview of how to pay for long-term care in WV, KY, and OH . This piece will focus on tristate and WV long-term care insurance policies and the place for that coverage in an overall estate plan.

The U.S. Supreme Court approved changes to four of the Federal Rules of Civil Procedure: Rule 5, Rule 23, Rule 62, and Rule 65.1. These rule changes apply to pending and future cases in federal courts. Learn what each amendment entails, the reasons for the amendment, and how these federal court rule changes affect litigants.

Sixty percent of Americans live with chronic disease, according to the Centers for Disease Control and Prevention (CDC). In West Virginia (WV), Ohio (OH), and Kentucky (KY), rates of chronic disease are often even higher than national averages. When individuals and families think about estate and elder care planning in WV, OH, and KY, the long-term care costs that result from chronic diseases must be considered.

After 45 years without a change, the Occupational Safety and Health Administration (OSHA) recently issued a standard lowering the acceptable exposure levels for crystalline silica and construction and placing new burdens on the construction industry. Compliance with the new silica standard is multi-faceted and necessary to help businesses meet OSHA's requirements as well as respond to any allegations of failure to comply.

Losing a loved one is one of the hardest events we deal with in life. A death can take a toll emotionally, mentally, financially, and physically on those left behind, whether in West Virginia (WV) or any other state. The last thing anyone wants to think about are legal issues that comes after death. Knowing how to prepare for probate of a will in WV can help make the process easier for the entire family.