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Darren J. Mills

Mills Elder Law LLC

Darren J. Mills

Mills Elder Law LLC

Darren J. Mills

Mills Elder Law LLC

As a licensed attorney in the State of New Jersey (currently inactive in the Commonwealth of Pennsylvania), a Certified Public Accountant in the States of New Jersey and Florida as well as a holder of the ChFC® and CLU® designations from The American College, Darren has the qualifications, desire and commitment to assist you and your family. Through personal experiences of his mother dealing with dementia and Parkinson's; witnessing the effects of his uncle's Alzheimer's affliction and its impact on the family; and his sister becoming permanently disabled, Darren became interested in Elder Law and Special Needs Planning. 

With the onset of dementia and Parkinson's, Darren's mother was concerned about ending up in a nursing home and started to “spend down” her assets. This proved to be an unnecessary and wasteful plan as Darren was able to assist his mother in uncovering the fact that she had converted a group long-term care insurance policy upon retirement to an individual policy. That policy enabled the family to help cover a significant portion of the costs incurred prior to her passing. 

Throughout his career, Darren has been a frequent speaker on various topics including social security, taxes, and estate planning. In addition, he has authored numerous articles that have appeared in professional journals. Darren has taught graduate tax classes on Estate and Gift Taxation, Federal Income Taxation of Trusts & Estates, and S Corporations. In addition to formal education, he continually challenges himself to learn and grow so that he can use that knowledge to make a difference in the lives of his clients.

Darren obtained his B.S. in Accounting and J.D. from Seton Hall University. He also has a Masters in Taxation from Fairleigh Dickinson University where he was inducted into Tau Alpha Chi, a national tax honor society.

On a personal note, Darren has been married for 25-years. He and his wife have two daughters and two dogs. Darren belongs to the National Association of Elder Law Attorneys, Knights of Columbus and is a supporter of the Alzheimer's Association and St. Vicent DePaul's.

Firm Description

Mills Elder Law LLC understands the importance of planning for the future. We focus on educating, problem solving and planning for mid-life couples, families of individuals with special needs and seniors.  Our firm is committed to educating clients about what they can and should do to prepare for long-term care and/or protect a loved one after they are gone. Often, long-term care planning is overlooked and families with a special needs dependent do not plan soon enough. We service clients in Monmouth and Ocean County New Jersey; we put your best interests first by providing advice to secure the best possible future for you and your family.

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What Is an Elder Law Attorney?

Main Office

331 Newman Springs Road
Bldg. 1, 4th Fl., Ste. 134
Red Bank, NJ 07701

On the web

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Medicaid 101
What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

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How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

READ MORE
How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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Medicaid Planning Strategies

Careful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.

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Estate Recovery: Can Medicaid Take My House After I’m Gone?

If steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.

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Help Qualifying and Paying for Medicaid, Or Avoiding Nursing Home Care

There are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.

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Are Adult Children Responsible for Their Parents’ Care?

Most states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.

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Applying for Medicaid

Applying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.

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Alternatives to Medicaid

Medicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.

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ElderLaw 101
Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Long-Term Care Insurance

Understand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.

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Medicare

Learn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.

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Retirement Planning

We explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.

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Senior Living

Find out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.

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Social Security

Get a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.

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Special Needs Planning

Learn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.

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Veterans Benefits

Explore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.

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