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Louise M. Paglen

Paglen Law Office

Louise M. Paglen

Paglen Law Office

Louise M. Paglen

Paglen Law Office

Louise Paglen is the owner and founder of Paglen Law Office, a family centered law practice located in the heart of the beautiful Blue Ridge Mountains.  After raising their two sons, Louise and her husband, Randy relocated to Alleghany County, North Carolina, drawn by the glorious views, the friendly people, and a community of rural neighbors who believe in being kind to one another. 

Louise Paglen graduated with honors from the University of North Carolina School of Law at Chapel Hill in 1996. She holds a Master in Risk Management and Insurance from Florida State University.  Prior to founding Paglen Law Office, Louise focused her career on helping other lawyers comply with ethical guidelines and avoid legal malpractice claims by managing the risks associated with practicing law.  She now helps families manage the risks of growing older.  

Louise is a member of the North Carolina Bar Association Elder Law and Family Law Sections.  She is a member of ElderCounsel and the National Association of Elder Law Attorneys.  

Louise is married and has two adult sons and two playful dogs.  She enjoys participating in the community, hiking, reading, and spending time with friends, family and nature.  

Firm Description

Paglen Law Office is dedicated to helping seniors and the people who love them plan for and resolve the complex, difficult and emotionally draining legal issues that are associated with aging, disability and special needs populations.   Louise is passionate about utilizing the law for the benefit of her clients and approaches every matter with compassion, integrity and a commitment to excellence.

Louise helps families plan for their own futures and the futures of the people, pets and organizations they love.  She understands that estate planning is not just about money; it’s about hard work, commitment and love.  When Louise helps a client develop an estate plan she knows it is important protect the special needs of children and disabled family members.    She can even help clients plan for the beloved family pet or a favorite charity.

Most people know it’s important to have a will that directs how their property will be distributed after death.  However, many people don’t realize how important it is to also plan for a long life, a disruptive medical crisis, or an accident.  These circumstances can render a person unable to make decisions for themselves or care for their loved ones.    

In the absence of the proper planning tools, families struggling with grieving or managing a medical crisis, may be forced to expose their most private family health matters and finances to complex public proceedings and costly probate fees just so they can make important financial and health care decisions for their loved ones.  Louise helps individuals and families plan for the unexpected so that family matters and family finances remain private and in the family. 

Sometimes the risk of living, is greater than the risk of dying. Thanks to the advances in medicine, health care, nutrition and agriculture, many of us can expect to live very long lives.  Although a long life is a blessing, it can bring tremendous financial challenges that can deplete assets that took a lifetime of hard work and multiple generations to accumulate.  Louise helps families facing a nursing home crisis to protect assets for the benefit of their loved ones and future generations.  Louise uses advanced estate planning and asset protection tools and techniques to help individuals, veterans and their widows, qualify for health care benefits including Medicaid and Veterans Aid and Attendance. 

 

Hours

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Cost

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What Is an Elder Law Attorney?

Main Office

114 S. Main Street
P.O. Box 1568
Sparta, NC 28675

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.

READ MORE
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.

READ MORE
Grandchildren

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

READ MORE
Guardianship/Conservatorship

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

READ MORE
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.

READ MORE
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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