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Florham Park ~ Sparta ~ Paramus ~ New York City
Phone: 973-539-1000
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From the Desk of Renata A. Mizak, Esq.
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Renata A. Mizak, Esq.
Certified Elder Law Attorney
Email: RMizak@spsk.com
Direct Line: 973-295-3680
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Why Winter Reminds Us to Plan: January’s Mortality Trends and the Importance of Elder Care Preparedness
Each year, January stands out as the month with the highest number of deaths in the United States, driven largely by a spike in respiratory illnesses, increased cardiovascular strain from cold weather, and the lingering effects of holiday‑season stress. Recent data shows that January consistently records more deaths than any other month, with 289,000 deaths in January 2023 and an estimated 295,000 in January 2024—clear evidence of how winter disproportionately impacts older adults and those with chronic conditions. These patterns align with broader research showing that winter months, particularly December through February, consistently produce the highest average daily mortality rates nationwide.
For families supporting aging loved ones, these trends reinforce how crucial it is to plan proactively for elder and long‑term care needs. Winter‑related health risks—ranging from elevated flu, RSV, and COVID‑19 activity to heightened vulnerability among seniors—can escalate quickly and without warning. Comprehensive planning ensures that decision‑making authority, caregiving structures, and financial protections are already in place before a crisis hits. Thoughtful estate planning and long‑term care preparation not only safeguard a loved one’s wishes but also spare families from the emotional and logistical turmoil that often arises during the high‑risk winter season.
As we move through the winter months and see how profoundly seasonal health risks can impact older adults, now is an ideal time to ensure that you and your loved ones are protected with a thoughtful, up‑to‑date plan. If you have questions about reviewing existing documents, preparing a long‑term care strategy, or making sure your family is equipped for unexpected medical events, our office is here to guide you. We invite you to contact us to schedule a consultation—proactive planning today can bring invaluable peace of mind tomorrow.
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Julie focuses her practice in Elder Law where she assists families with long-term care planning, including preparing for and establishing means-tested government benefits, such as Medicaid, as well as structuring client’s estate plans to accommodate such plans. Julie is currently a Board Member of the New Jersey Chapter of the National Academy of Elder Law Attorneys (NAELA). Whether you are looking to preserve assets for your family in anticipation of a future need for long-term care or whether you are in immediate need of such services, Julie is happy to assist with a plan.
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A Creative Way to Craft Your Estate Planning Legacy
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The ultrawealthy provide insights about how to use trusts to transfer and protect wealth and how to have money conversations with heirs.
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What Is the Generation-Skipping Transfer Tax?
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If you are leaving property to a grandchild, there is a tax you should know about. The generation-skipping transfer tax affects property passed to a grandchild in a will or trust.
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When to Fire a Trustee
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Removing a trustee is a serious step that can be costly and time-consuming. However, it may become necessary when a trustee's actions (or lack thereof) threaten the integrity of the trust.
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Jump-Starting Savings With Trump Accounts
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Tucked into the One Big Beautiful Bill Act (OBBBA) enacted in July 2025 is a new savings program designed to give American children a financial head start.
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Some Older Adults May Qualify for a New $6,000 Tax Break
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As of the 2025 tax year, many older Americans may realize a new tax benefit thanks to a provision in the One Big Beautiful Bill Act.
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2027 Will Bring Lower Prices for 15 Medicare Part D Drugs
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The cost of 15 high-priced Medicare Part D drugs, used to treat conditions such as cancer and diabetes, will be significantly lower starting in 2027.
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Potential Changes to SSDI Benefits May Affect Older Adults
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Existing Social Security Disability Insurance (SSDI) rules grant specific accommodations based on age, particularly for workers over age 50. However, changes to these age-related criteria could significantly increase the number of older adults whose disability benefits applications are denied.
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Digital Tools to Protect Older Adults From Financial Abuse
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Today, financial exploitation happens quietly – and digitally. Instead of stolen checks or forged signatures, abuse may involve compromised passwords, unauthorized online account access, or highly convincing phone calls or emails designed to pressure an older adult into sending money.
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Florham Park: 220 Park Avenue, Florham Park, New Jersey 07932
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Sparta: 351 Sparta Avenue, Sparta, New Jersey 07871
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Paramus: 115 West Century Road, Suite 100, Paramus, New Jersey 07652
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