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Kara Gansmann

Attorney, Cranfill Sumner & Hartzog LLP
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Legal Issues
Aug 3, 2018

Essential Estate Planning Documents for Young Adults

With new college-bound co-eds soon departing for their first semester away from home, estate planning documents are not likely at the top of any list for dorm room necessities or school supplies.  ...

Legal Issues
Jul 20, 2018

Relief Available for Medicare Part B Penalties

There is relief available to some seniors who have incurred a penalty for their late enrollment in Medicare Part B coverage.   Generally, seniors are eligible for Medicare at age 65, when they ...

Legal Issues
Jul 2, 2018

Top Estate Planning Tips for Loved Ones with Special Needs

There are unique planning requirements for family members who have special needs.    Here are some tips to consider when planning for a loved one’s special needs. Avoid disinherit ...

Legal Issues
Jun 19, 2018

The Low-Down on the Medicaid Spend-Down

When a person is facing the prospect of paying for long-term care, that person may eventually turn to Medicaid to cover those costs after running out of money.    Medicaid is correctly und ...

Legal Issues
Jun 1, 2018

What’s the Penalty Applied by Medicaid for Gifts or Transfers?

When seniors and their families are planning for long-term care, a common question that arises is, Why can’t we just start giving our money or assets to our loved ones or family members now?&nbs ...

Legal Issues
May 15, 2018

Estate Planning & Estate Administration Considerations for Bitcoin

As the investment world has seen the rise – and, sometimes, the fall – of bitcoin value or other crypto currencies, estate planning attorneys are also working with these unique digital ass ...

Legal Issues
May 1, 2018

May is National Elder Law Month

Where the month of May celebrates mothers and the Kentucky Derby, it has also been designated as National Elder Law month.  This designation was coined by the National Academy of Elder Law Att ...

Legal Issues
Apr 16, 2018

NC Seniors Will Receive New Medicare Cards But Remain Susceptible to Fraud

Starting after June and continuing over the next year, seniors in North Carolina will receive new Medicare cards in the mail.  The Centers for Medicare and Medicaid will issue cards with a new ...

Legal Issues
Apr 2, 2018

What Can Happen to My Cremated Remains under NC Law?

Many people have certain notions of whether they want to be buried or cremated or how their remains should be handled.  Estate planning and elder law attorneys often hear of all kinds of elabo ...

Legal Issues
Mar 15, 2018

Using a Supplemental Needs Trust for the Benefit of a Disabled Person

In elder law and special needs planning, attorneys work with clients to determine whether a Supplemental Needs Trust is a recommended planning tool.  A Supplemental Needs Trust, which is also ...

Legal Issues
Mar 1, 2018

Use a Pet Trust to Ensure Your Pet’s Care

Anyone who spends time in downtown Wilmington or at any of the area’s beautiful beaches will see the treats and bowls of water provided by merchants for four-legged friends.    Usual ...

Legal Issues
Feb 15, 2018

Post-Retirement Planning: A Checklist for Seniors

Before retirement, many seniors carefully watch their finances and consult trusted advisors for guidance in timing retirement.    However, careful planning doesn’t end with retiremen ...

Legal Issues
Feb 1, 2018

Top 10 Scams that Target Seniors

While a person can become a victim of a scam at any age, the senior population is becoming more vulnerable to scammers.    Seniors make good targets because they generally have good credit ...

Legal Issues
Jan 16, 2018

The Tax Cuts & Jobs Act’s Impact on Elder Law & Estate Planning

Love it or hate it, the Tax Cuts and Job Act is now in effect as of Jan. 1.    As pertinent to elder law and estate planning, the act contains important provisions that govern gifting and ...

Legal Issues
Jan 3, 2018

The New N.C. Power of Attorney Act: Its Impact on Estate and Elder Law Planning

As of Jan. 1, North Carolina’s new Uniform Power of Attorney Act is now effective. This act, signed into law this summer, provides significant guidance, clarity and protection to those who use a ...

Legal Issues
Dec 15, 2017

As Options Increase for Senior Housing, Rely on a Geriatric Care Manager

With more than 40 million Americans age 65 or older, seniors comprise the fastest growing segment of the country’s population.    The U.S. Census Bureau estimates that by the year 20 ...

Legal Issues
Dec 4, 2017

Debunking Five Common Myths About Long-Term Care Planning

When seniors and families start thinking about long-term care planning, a number of questions arise.    Some of the questions come from common misconceptions about elder law issues or Medi ...

Legal Issues
Nov 15, 2017

November Brings Turkey, Alzheimer’s Awareness And A Need To Proactively Plan For Aging Loved Ones With The Disease

Over Thanksgiving in the month of November, Americans of all ages gather to celebrate family, togetherness and happy memories.    While there is much to be grateful about, holidays can be ...

Legal Issues
Nov 1, 2017

The IRS Increased The Thresholds For 2018 Estate And Gift Taxes

Residents of North Carolina are fortunate to have no estate tax (the so-called “death tax”) enforced by the state upon their deaths.    However, if a North Carolina resident pa ...

Legal Issues
Oct 16, 2017

The Caretaker Child: How Aging Parents Can Compensate Adult Children For Care At Home

Caring for an aging parent can be a full-time job.    Adult children may give up paying jobs and leave their own homes and families in order to provide care to aging parents. While caregiv ...

Legal Issues
Oct 2, 2017

Using Personal Care Agreements For An Elderly Person’s At-Home Care

More and more Americans are choosing to provide in-home care for elderly family members.  This growing trend may arise from the desire to avoid the steep monthly costs of nursing home care or ...

Legal Issues
Sep 15, 2017

Five Tips For Protecting Seniors In A Technological World

Seniors are steadily embracing technology like social media, email and smartphones to stay in touch with family and friends.   However, seniors are also at risk of becoming victims of fraud thr ...

Legal Issues
Sep 1, 2017

Common Mistakes In Probating Estates Without Legal Assistance

When someone dies and leaves only a will - or no will at all - the estate may be opened for probate or administration by a personal representative.    Administering an estate, many times, ...

Legal Issues
Aug 16, 2017

Cashing A Paper Savings Bond After The Owner Dies

For many people, savings bonds have been a long-time favorite investment tool.   The bonds usually take years to fully mature but people often forget about them during the maturation period. In ...

Legal Issues
Aug 1, 2017

The Importance Of Estate Planning For Unmarried Couples

A growing number of American adults are choosing to cohabitate instead of getting married.    Their reasons for cohabitation range from financial need to “been there, done that.&rdqu ...

Legal Issues
Jul 14, 2017

A Request For A 'Simple Will' Isn’t Always Simple

Elder law and estate planning attorneys often field inquiries from potential clients to draft a “simple will.”   These queries are sometimes borne out of a desire for cost-efficienc ...

Legal Issues
Jul 5, 2017

Top 10 Reasons To Consult An Elder Law Attorney

The clients served by elder law attorneys can be among society’s most vulnerable citizens, who often seek help when they are most in need of experienced counsel. With effective advanced planning ...

Legal Issues
Jun 15, 2016

Cyber Breaches: What’s At Risk For Businesses

This last article in this cyber security series addresses the risks to businesses that are not armed with a cyber response plan or adequate insurance coverage. A number of business clients have asked ...

Marketing & Sales
Jun 1, 2016

An Employer’s Guide For Accepting Or Denying A Work Injury Claim

An employee’s claim of a work injury should set into motion a number of important considerations for an employer. The employer’s initial investigation of the alleged incident and claimed i ...

Legal Issues
May 15, 2016

The Pending Legal Landscape Of Labor And Employment Law

Numerous lawsuits and federal agencies may serve to shape labor and employment law across the country and in North Carolina. Here is a summary of some recent or pending outcomes: Discrimination Bas ...

Legal Issues
May 1, 2016

Creating A Breach Response Plan For A Cyber Attack

In this series on liability for cybersecurity breaches, the fifth component of a sound cybersecurity plan includes developing a breach response plan for when or if your business is hacked. The breach ...

Legal Issues
Apr 15, 2016

HB2’s Impact On Private And Public Employers

In the wake of North Carolina’s recently enacted House Bill 2 (HB2), employers have expressed concern with how the legislation now affects their responsibilities. While discussion of the controv ...

Legal Issues
Apr 1, 2016

The Fourth Goal Of A Cybersecurity Plan: Dispose Data Legally And Properly

In this series on drafting a cybersecurity plan for your business, the fourth aspect is discarding sensitive data. The type of data your business collects, and the laws around it, may dictate how and ...

Legal Issues
Mar 15, 2016

How To Gamble And Win With Workplace Games Of Chance

With March Madness upon us, employers are likely to encounter brackets and office betting pools. While office pools – like all unlicensed sports betting – are illegal, in the real world, b ...

Legal Issues
Mar 1, 2016

The Third Step To A Sound Cybersecurity Plan: Protecting Your Data

In this series on crafting a cybersecurity plan for your business, the third aspect of a plan implements ways to protect the personal data gathered and used by your business. While the best protection ...

Legal Issues
Feb 15, 2016

Step Two Of Your Cybersecurity Plan: Collect Only Necessary Personal Data

In returning to our cybersecurity series, the second of five keys to a sound cybersecurity plan considers collecting only the personal data that is necessary to your business’s needs. Recall tha ...

Legal Issues
Feb 1, 2016

Reporting Deadlines Extended For Large Employers Under The ACA

In taking a momentary break from the cybersecurity series, this article considers the upcoming reporting deadlines, which have recently been extended by the IRS, for those applicable large employers u ...

Legal Issues
Jan 15, 2016

The First Step Of Cybersecurity Plans: Know Your Data And Its Location

This article in a series on cybersecurity for businesses delves into the first of five main goals of a company’s cybersecurity policy: taking stock of all personal information your business poss ...

Legal Issues
Jan 1, 2016

Five Keys To Crafting A Cybersecurity Policy For Your Business

The New Year – and particularly 2016 – is a perfect time to review your company’s cybersecurity policies and make necessary changes. From governmental entities, to nonprofits who col ...

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2018 Power Breakfast - Dishing on the Restaurant Biz
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2017 Health Care Heroes