<?xml version='1.0' encoding='UTF-8'?><?xml-stylesheet type='text/xsl' href='https://www.laboelaw.com/wp-content/plugins/google-sitemap-generator/sitemap.xsl'?><!-- sitemap-generator-url='http://www.arnebrachhold.de' sitemap-generator-version='4.1.23' -->
<!-- generated-on='April 9, 2026 8:21 pm' -->
<urlset xmlns:xsi='http://www.w3.org/2001/XMLSchema-instance' xsi:schemaLocation='http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd' xmlns='http://www.sitemaps.org/schemas/sitemap/0.9'>	<url>
		<loc>https://www.laboelaw.com/if-my-husband-enters-a-nursing-home-can-i-keep-some-of-his-income-to-meet-my-own-expenses/</loc>
		<lastmod>2015-11-09T00:24:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/5-rights-that-trust-beneficiaries-have/</loc>
		<lastmod>2015-11-09T00:24:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-will-inherit-whitney-houstons-fortune-following-bobbi-kristinas-death-and-what-are-the-lessons/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/know-your-options-before-signing-up-for-medicare/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/obama-signs-law-requiring-hospitals-to-warn-of-costly-medicare-loophole/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-protect-your-deceased-loved-ones-from-identity-theft/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/georgia-elderlawanswers-member-attorney-wins-fiction-writing-contest/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/incentive-trusts-ensuring-that-an-inheritance-will-be-well-spent/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/womans-efforts-to-change-will-without-professional-assitance-backfire/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/incentives-to-keep-working-while-you-collect-social-security/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/court-approves-use-of-short-term-annuities-for-medicaid-planning/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-frequent-flier-miles-expire-when-you-do/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-open-enrollment-means-its-time-to-shop-around/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-benefits-to-remain-flat-in-2016-while-millions-could-get-stuck-with-huge-medicare-increases/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-cost-basis-and-how-do-you-prove-it/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/beware-medicares-penalties-for-late-enrollment/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-issues-long-term-care-premium-deductibility-limits-for-2016/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-regulations-will-make-it-harder-to-qualify-for-long-term-care-help-from-the-va/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-rules-will-make-it-harder-to-qualify-for-long-term-care-help-from-the-va/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-federal-budget-ends-two-spousal-social-security-claiming-strategies/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/budget-deal-blunts-medicare-premium-spike-at-least-for-now/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/robin-williams-death-laid-to-underdiagnosed-form-of-dementia/</loc>
		<lastmod>2015-11-09T00:23:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-choose-a-trustee/</loc>
		<lastmod>2015-11-09T15:57:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-announces-parts-a-and-b-premiums-and-deductibles-for-2016/</loc>
		<lastmod>2015-11-12T16:42:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/activities-of-daily-living-measure-the-need-for-long-term-care-assistance/</loc>
		<lastmod>2015-11-20T16:12:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-an-annuity-be-part-of-your-retirement-planning/</loc>
		<lastmod>2015-12-04T21:51:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-your-ira-can-benefit-both-your-heirs-and-charity/</loc>
		<lastmod>2015-12-22T16:25:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-hardship-exception-to-the-medicaid-penalty-period-rare-but-possible/</loc>
		<lastmod>2015-12-22T16:51:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-now-covers-conversations-about-end-of-life-care/</loc>
		<lastmod>2016-01-07T19:40:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-social-security-benefits-be-garnished-to-pay-debts/</loc>
		<lastmod>2016-01-15T16:25:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-benefits-and-drawbacks-of-buying-an-annuity-doubler-to-pay-for-long-term-care/</loc>
		<lastmod>2016-01-22T16:23:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-would-the-presidential-candidates-change-social-security/</loc>
		<lastmod>2016-01-22T22:15:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/premiums-for-new-long-term-care-insurance-policies-actually-decline-in-some-cases/</loc>
		<lastmod>2016-02-05T21:19:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/your-right-to-refills-if-medicare-drops-coverage-of-your-drugs/</loc>
		<lastmod>2016-02-11T15:59:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-likely-are-you-to-need-long-term-care/</loc>
		<lastmod>2016-02-12T19:52:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/last-chance-to-use-file-and-suspend-strategy-for-claiming-social-security-benefits/</loc>
		<lastmod>2016-02-24T17:57:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/10-ways-the-elderly-can-avoid-financial-abuse/</loc>
		<lastmod>2016-03-07T16:47:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/problems-with-guardianship-abuse-leading-to-calls-for-reform/</loc>
		<lastmod>2016-03-18T15:16:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/hybrid-policies-allow-you-to-have-your-long-term-care-insurance-cake-and-eat-it-too/</loc>
		<lastmod>2016-03-18T18:10:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-does-the-medicaid-look-back-period-work/</loc>
		<lastmod>2016-03-23T16:46:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-home-care-costs-are-only-slightly-higher-in-2016/</loc>
		<lastmod>2016-05-12T14:54:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/four-social-security-myths-debunked/</loc>
		<lastmod>2016-05-19T15:47:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaids-benefits-for-assisted-living-facility-residents/</loc>
		<lastmod>2016-05-24T18:16:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/beware-your-estate-may-contain-an-unnecessary-bypass-trust/</loc>
		<lastmod>2016-05-27T14:32:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/called-for-jury-duty-you-may-be-excused-based-on-your-age/</loc>
		<lastmod>2016-06-10T17:36:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/beware-of-non-lawyers-offering-medicaid-planning-advice/</loc>
		<lastmod>2016-06-21T15:24:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/most-caregivers-are-now-entitled-to-minimum-wage-and-overtime-pay/</loc>
		<lastmod>2016-06-27T12:31:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-vote-while-in-a-nursing-home/</loc>
		<lastmod>2016-07-08T16:41:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-undue-influence/</loc>
		<lastmod>2016-07-14T15:25:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/fighting-nursing-home-discrimination-against-medicaid-recipients/</loc>
		<lastmod>2016-07-27T17:24:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/about-to-turn-65-your-health-insurer-may-be-automatically-enrolling-you-in-its-own-medicare-plan/</loc>
		<lastmod>2016-07-29T18:47:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/jumbo-reverse-mortgages-are-increasingly-available-for-high-value-homes/</loc>
		<lastmod>2016-08-03T17:25:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-the-tax-consequences-of-inheriting-a-roth-ira/</loc>
		<lastmod>2016-08-05T13:27:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-coverage-while-traveling-within-the-us/</loc>
		<lastmod>2016-08-09T18:03:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/execute-a-power-of-attorney-before-its-too-late/</loc>
		<lastmod>2016-09-12T15:17:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/5-things-to-know-to-reduce-your-tax-on-capital-gains/</loc>
		<lastmod>2016-09-15T20:22:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/life-insurance-can-still-play-a-key-role-as-part-of-an-estate-plan/</loc>
		<lastmod>2016-09-19T16:19:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-life-estate/</loc>
		<lastmod>2016-09-23T15:30:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-home-residents-win-back-right-to-sue/</loc>
		<lastmod>2016-10-03T14:52:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/its-time-to-reassess-your-medicare-choices/</loc>
		<lastmod>2016-10-14T14:56:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/typical-social-security-recipient-will-get-4-benefit-increase-in-2017/</loc>
		<lastmod>2016-10-21T15:58:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/states-begin-offering-state-run-retirement-plans/</loc>
		<lastmod>2016-10-26T17:12:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-issues-long-term-care-premium-deductibility-limits-for-2017/</loc>
		<lastmod>2016-10-27T13:20:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-can-you-delay-taking-medicare/</loc>
		<lastmod>2016-11-10T17:32:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/part-b-premium-will-rise-slightly-for-most-medicare-beneficiaries-in-2017/</loc>
		<lastmod>2016-11-11T20:41:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-pass-your-home-to-your-children-tax-free/</loc>
		<lastmod>2016-11-29T15:39:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-pilot-program-allows-for-hospice-coverage-while-still-fighting-a-disease/</loc>
		<lastmod>2016-12-09T17:12:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/repealing-obamacare-will-have-consequences-for-medicare/</loc>
		<lastmod>2016-12-16T16:10:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/for-better-or-for-worse-states-are-turning-to-managed-care-for-medicaid-long-term-care/</loc>
		<lastmod>2016-12-23T15:52:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/make-reviewing-your-estate-plan-one-of-your-new-years-resolutions/</loc>
		<lastmod>2017-01-03T14:04:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-medicare-rule-encourages-doctors-to-test-for-alzheimers-disease-and-offer-care-planning/</loc>
		<lastmod>2017-01-13T17:10:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/watch-out-for-mistakes-in-the-list-of-doctors-covered-by-your-medicare-advantage-plan/</loc>
		<lastmod>2017-01-26T17:08:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-deduct-long-term-care-premiums-from-your-income/</loc>
		<lastmod>2017-01-27T16:23:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/trump-delays-rule-that-retirement-advisers-put-their-clients-interests-ahead-of-their-own/</loc>
		<lastmod>2017-02-07T19:47:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/costs-of-some-new-long-term-care-insurance-policies-rise-in-latest-survey/</loc>
		<lastmod>2017-02-07T21:19:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-it-better-to-use-joint-ownership-or-a-trust-to-pass-down-a-home/</loc>
		<lastmod>2017-02-22T16:31:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/elder-law-attorneys-to-present-free-webinar-on-what-to-expect-from-trump-and-the-new-congress/</loc>
		<lastmod>2017-03-07T16:19:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-book-offers-guidance-through-the-medicare-maze/</loc>
		<lastmod>2017-03-10T19:28:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/hospitals-now-must-provide-notice-about-observation-status/</loc>
		<lastmod>2017-03-17T14:59:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/four-things-people-forget-to-include-in-their-estate-plan/</loc>
		<lastmod>2017-03-27T16:20:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/four-provisions-people-forget-to-include-in-their-estate-plan/</loc>
		<lastmod>2017-03-27T16:20:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/adding-to-uncertainty-for-scam-targets-the-irs-now-allows-private-debt-collectors-to-dun-taxpayers/</loc>
		<lastmod>2017-04-07T15:00:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dispute-between-brothers-demonstrates-need-to-plan-for-long-term-care/</loc>
		<lastmod>2017-04-13T15:41:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/short-term-care-insurance-an-alternative-to-the-long-term-care-variety/</loc>
		<lastmod>2017-04-17T14:32:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/study-finds-that-social-security-workers-often-provide-incomplete-information/</loc>
		<lastmod>2017-04-28T14:59:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-protections-for-nursing-home-residents/</loc>
		<lastmod>2017-05-16T15:10:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-complex-modern-family-requires-a-new-planning-model-book-argues/</loc>
		<lastmod>2017-05-22T15:45:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/proving-age-discrimination-is-difficult/</loc>
		<lastmod>2017-05-24T16:41:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dol-announces-that-fiduciary-rule-will-go-into-effect-june-9/</loc>
		<lastmod>2017-05-25T15:54:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-use-of-immediate-annuities-in-medicaid-planning-for-married-couples/</loc>
		<lastmod>2017-05-26T15:41:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/owe-back-taxes-the-irs-may-grant-you-uncollectible-status/</loc>
		<lastmod>2017-06-08T20:18:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-medicare-and-employer-coverage-coordinate/</loc>
		<lastmod>2017-06-12T15:47:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-home-costs-rise-sharply-in-2017/</loc>
		<lastmod>2017-09-28T20:26:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-yorker-article-highlights-abuses-in-the-guardianship-system/</loc>
		<lastmod>2017-10-12T15:26:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-beneficiaries-will-receive-a-2-percent-increase-in-2018/</loc>
		<lastmod>2017-10-16T18:27:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/use-your-will-to-dictate-how-to-pay-your-debts/</loc>
		<lastmod>2017-10-19T15:50:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-issues-long-term-care-premium-deductibility-limits-for-2018/</loc>
		<lastmod>2017-10-31T18:28:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/gop-tax-plan-could-deal-blow-to-seniors-paying-for-long-term-care/</loc>
		<lastmod>2017-11-09T16:07:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-will-the-new-tax-law-affect-you/</loc>
		<lastmod>2017-12-27T16:10:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-happens-when-a-nursing-home-closes/</loc>
		<lastmod>2018-01-03T18:13:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/costs-of-some-new-long-term-care-insurance-policies-going-down-in-2018/</loc>
		<lastmod>2018-01-11T18:59:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/home-health-care-patients-with-chronic-conditions-are-having-trouble-getting-medicare/</loc>
		<lastmod>2018-01-26T16:12:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-and-retirement-considerations-for-late-in-life-parents/</loc>
		<lastmod>2018-02-06T16:00:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/book-review-who-will-take-care-of-me-when-im-old/</loc>
		<lastmod>2018-02-09T18:22:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-finds-lack-of-government-oversight-of-assisted-living-facilities/</loc>
		<lastmod>2018-02-12T16:43:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/long-term-care-insurer-cannot-be-sued-for-elder-financial-abuse/</loc>
		<lastmod>2018-02-20T21:07:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/florida-school-shooting-hits-home-for-elderlawanswers-member-attorney/</loc>
		<lastmod>2018-03-07T18:44:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-federal-law-puts-focus-on-preventing-elder-abuse/</loc>
		<lastmod>2018-03-09T16:08:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/proving-that-a-transfer-was-not-made-in-order-to-qualify-for-medicaid/</loc>
		<lastmod>2018-03-15T15:32:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/be-on-the-lookout-for-new-medicare-cards-and-new-card-related-scams/</loc>
		<lastmod>2018-03-20T15:56:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/choosing-retirement-account-beneficiaries-requires-some-thought/</loc>
		<lastmod>2018-03-23T19:57:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/long-term-care-insurance-policyholder-wins-suit-against-company-for-raising-premiums/</loc>
		<lastmod>2018-04-04T17:03:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-appeal-a-medicare-prescription-drug-denial/</loc>
		<lastmod>2018-04-11T17:17:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/study-raises-questions-about-quality-of-nursing-home-care-for-medicare-advantage-beneficiaries/</loc>
		<lastmod>2018-04-16T15:36:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-safeguards-on-brokerage-accounts-aim-to-protect-seniors-from-financial-scams/</loc>
		<lastmod>2018-05-02T17:32:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/finding-the-best-retirement-calculators/</loc>
		<lastmod>2018-05-16T17:31:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/arizona-and-florida-are-asking-to-eliminate-retroactive-medicaid-benefits/</loc>
		<lastmod>2018-05-23T17:20:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-little-known-tax-on-roth-401k-distributions/</loc>
		<lastmod>2018-05-25T15:50:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/court-overturns-obama-rule-protecting-investors-saving-for-retirement/</loc>
		<lastmod>2018-06-11T15:52:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/problems-with-guardianship-system-is-focus-of-john-oliver-show/</loc>
		<lastmod>2018-06-18T15:51:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-can-an-adult-child-be-liable-for-a-parents-nursing-home-bill/</loc>
		<lastmod>2018-06-25T18:16:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-extends-deadline-for-relief-from-part-b-penalties/</loc>
		<lastmod>2018-06-28T18:32:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/wheres-my-new-medicare-card-how-to-find-out-the-status/</loc>
		<lastmod>2018-07-06T15:50:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/lawsuit-alleges-assisted-living-facilities-discriminate-against-wheelchair-users/</loc>
		<lastmod>2018-07-12T15:38:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-law-expands-benefits-for-chronically-ill-medicare-advantage-beneficiaries/</loc>
		<lastmod>2018-07-16T14:58:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/proposed-new-medicare-payment-system-may-affect-beneficiaries/</loc>
		<lastmod>2018-07-30T15:49:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dont-wait-too-long-to-purchase-long-term-care-insurance/</loc>
		<lastmod>2018-08-07T15:02:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/fear-of-losing-home-to-medicaid-contributed-to-elder-abuse-case/</loc>
		<lastmod>2018-08-09T18:49:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/aretha-franklins-lack-of-a-will-could-cause-huge-problems/</loc>
		<lastmod>2018-08-28T15:16:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-new-tax-law-means-its-time-review-your-estate-plan/</loc>
		<lastmod>2018-08-31T15:10:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/its-important-to-shop-around-for-your-medigap-policy/</loc>
		<lastmod>2018-09-06T14:13:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-handle-sibling-disputes-over-a-power-of-attorney/</loc>
		<lastmod>2018-09-12T19:57:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/its-now-harder-for-veterans-to-qualify-for-long-term-care-benefits/</loc>
		<lastmod>2018-09-21T16:24:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/be-careful-about-putting-only-one-spouses-name-on-a-reverse-mortgage/</loc>
		<lastmod>2018-10-10T16:16:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/its-open-enrollment-season-is-your-medicare-plan-still-working-for-you/</loc>
		<lastmod>2018-10-11T17:24:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2019-will-bring-social-security-beneficiaries-the-biggest-increase-in-eight-years/</loc>
		<lastmod>2018-10-15T14:24:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-premium-to-edge-up-in-2019/</loc>
		<lastmod>2018-10-15T16:04:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/for-first-time-median-cost-of-private-nursing-home-room-hits-six-figures-in-annual-survey/</loc>
		<lastmod>2018-10-22T16:08:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dont-make-the-mistake-of-not-signing-up-for-medicare-supplemental-coverage/</loc>
		<lastmod>2018-10-25T15:02:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/learn-about-social-securitys-online-tools/</loc>
		<lastmod>2018-11-02T15:47:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicares-different-treatment-of-the-two-main-post-hospital-care-options/</loc>
		<lastmod>2018-11-09T20:58:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-issues-long-term-care-premium-deductibility-limits-for-2019/</loc>
		<lastmod>2018-11-16T16:01:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-you-put-a-surveillance-camera-in-a-nursing-home-room/</loc>
		<lastmod>2018-11-19T17:33:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/have-private-insurance-and-are-turning-65-you-need-sign-up-for-medicare-part-b/</loc>
		<lastmod>2018-11-30T14:05:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/charitable-giving-options-under-the-new-tax-law/</loc>
		<lastmod>2018-12-05T18:34:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-best-and-worst-states-for-protection-against-elder-abuse/</loc>
		<lastmod>2018-12-12T18:36:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-medicares-hospice-benefit/</loc>
		<lastmod>2018-12-18T18:40:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/guidelines-used-to-protect-the-spouses-of-medicaid-applicants-in-2019-released/</loc>
		<lastmod>2018-12-26T17:10:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/guns-and-dementia-dealing-with-a-loved-ones-firearms/</loc>
		<lastmod>2019-01-08T18:26:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/last-year-for-couples-to-use-claim-now-claim-more-later-social-security-strategy/</loc>
		<lastmod>2019-01-10T15:19:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/costs-of-new-long-term-care-insurance-policies-vary-considerably/</loc>
		<lastmod>2019-01-11T19:51:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/pay-attention-to-your-state-estate-tax-exemption/</loc>
		<lastmod>2019-01-17T15:52:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-home-care/</loc>
		<lastmod>2019-01-23T20:34:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-ranks-states-on-nursing-home-quality-and-shows-families-conflicted-views/</loc>
		<lastmod>2019-02-07T17:01:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/getting-paid-as-a-family-caregiver-through-medicaid/</loc>
		<lastmod>2019-02-15T16:09:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-tax-break-to-help-working-caregivers-pay-for-day-care/</loc>
		<lastmod>2019-03-07T16:57:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-you-havent-been-regularly-reviewing-your-estate-plan-start-when-you-hit-your-60s/</loc>
		<lastmod>2019-03-19T20:48:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/using-a-donor-advised-fund-may-be-a-way-to-get-a-charitable-tax-break-under-the-new-tax-law/</loc>
		<lastmod>2019-03-22T18:28:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-deal-with-student-loan-debt-as-you-age/</loc>
		<lastmod>2019-03-22T18:43:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/maximizing-social-security-survivors-benefits/</loc>
		<lastmod>2019-04-03T16:06:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-beneficiaries-need-to-know-the-difference-between-a-wellness-visit-and-a-physical/</loc>
		<lastmod>2019-04-11T14:40:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/drafting-a-power-of-attorney-that-lessens-the-chances-of-abuse/</loc>
		<lastmod>2019-05-10T18:17:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/tips-on-creating-an-estate-plan-that-benefits-a-child-with-special-needs/</loc>
		<lastmod>2019-05-24T15:50:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/discovery-of-aretha-franklins-handwritten-wills-throws-her-estate-into-turmoil/</loc>
		<lastmod>2019-05-24T15:58:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-the-difference-between-a-living-will-and-a-do-not-resuscitate-order/</loc>
		<lastmod>2019-05-28T16:44:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-launches-app-to-help-beneficiaries-find-out-whats-covered/</loc>
		<lastmod>2019-06-06T02:01:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-makes-a-will-valid/</loc>
		<lastmod>2019-06-07T18:59:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-final-retirement-account-distribution-must-still-be-made-after-death/</loc>
		<lastmod>2019-06-15T15:18:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-plan-your-funeral/</loc>
		<lastmod>2019-06-26T21:31:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-you-sell-your-life-insurance-policy/</loc>
		<lastmod>2019-07-13T20:05:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/reports-find-hospice-deficiencies-go-unaddressed/</loc>
		<lastmod>2019-07-17T21:30:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-rule-once-again-allows-nursing-home-arbitration-agreements/</loc>
		<lastmod>2019-07-27T07:58:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/grandparents-raising-grandchildren-may-qualify-for-the-earned-income-tax-credit/</loc>
		<lastmod>2019-08-02T18:20:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-new-rule-may-make-it-harder-for-medicare-beneficiaries-to-receive-home-care/</loc>
		<lastmod>2019-08-09T14:40:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-my-advance-directive-work-in-another-state/</loc>
		<lastmod>2019-08-25T20:43:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-look-for-when-buying-an-annuity/</loc>
		<lastmod>2019-09-25T05:02:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-when-you-have-a-stepfamily/</loc>
		<lastmod>2019-09-25T05:02:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/most-are-taking-social-security-at-the-wrong-time/</loc>
		<lastmod>2019-09-25T05:02:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-during-a-divorce-five-key-considerations/</loc>
		<lastmod>2019-09-28T07:45:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-look-for-in-a-pre-paid-funeral-plan/</loc>
		<lastmod>2019-09-28T07:45:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-if-you-are-appointed-guardian-of-an-older-adult/</loc>
		<lastmod>2019-10-09T17:51:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dont-let-medicare-open-enrollment-go-by-without-reassessing-your-medicare-options/</loc>
		<lastmod>2019-10-09T17:51:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-2020-social-security-increase-will-be-smaller-than-2019s/</loc>
		<lastmod>2019-10-11T16:17:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/5-tips-for-starting-retirement-planning-in-your-50s/</loc>
		<lastmod>2019-10-21T00:10:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/five-estate-planning-myths/</loc>
		<lastmod>2019-10-21T00:10:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-get-good-hospice-care-hard-won-advice-from-the-pennsylvania-nurse-prosecuted-for-aiding-her-fathers-death/</loc>
		<lastmod>2019-10-24T19:08:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/special-ownership-for-married-couples-tenancy-by-the-entirety/</loc>
		<lastmod>2019-10-26T00:42:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/home-care-costs-rise-sharply-in-annual-long-term-care-cost-survey/</loc>
		<lastmod>2019-10-30T23:54:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-issues-long-term-care-premium-deductibility-limits-for-2020/</loc>
		<lastmod>2019-11-09T09:02:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-most-important-estate-planning-documents/</loc>
		<lastmod>2019-11-09T09:02:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-premiums-to-increase-by-almost-10-a-month-in-2020/</loc>
		<lastmod>2019-11-13T20:12:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-how-assets-are-distributed-in-a-will/</loc>
		<lastmod>2019-11-16T08:12:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-trumps-immigration-policy-cause-a-shortage-of-caregivers-for-the-elderly/</loc>
		<lastmod>2019-12-12T19:00:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-inheriting-property-consider-your-options/</loc>
		<lastmod>2019-12-12T19:00:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-revocable-trusts/</loc>
		<lastmod>2019-12-13T19:19:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/movement-grows-to-add-dental-coverage-to-medicare/</loc>
		<lastmod>2019-12-19T02:32:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-law-set-to-make-big-changes-to-retirement-plans/</loc>
		<lastmod>2019-12-20T04:33:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/feds-release-2020-guidelines-used-to-protect-the-spouses-of-medicaid-applicants/</loc>
		<lastmod>2020-01-01T06:16:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/caregivers-are-getting-younger-making-planning-for-long-term-care-even-more-important/</loc>
		<lastmod>2020-01-11T08:11:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-the-differences-between-a-living-trust-and-an-irrevocable-trust/</loc>
		<lastmod>2020-01-16T20:39:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-now-covers-outpatient-treatment-for-opioid-addiction/</loc>
		<lastmod>2020-01-18T03:52:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-your-estate-plan-includes-iras-a-new-law-means-it-is-time-to-reevaluate/</loc>
		<lastmod>2020-01-25T08:46:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/free-tax-preparation-help-is-available-to-most-seniors/</loc>
		<lastmod>2020-01-25T08:46:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-secure-is-social-security/</loc>
		<lastmod>2020-02-04T20:58:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-is-essential-for-unmarried-couples/</loc>
		<lastmod>2020-02-07T00:19:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/make-sure-you-are-counted-in-the-2020-census/</loc>
		<lastmod>2020-02-07T22:13:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-trump-administration-allows-states-to-choose-medicaid-block-grants/</loc>
		<lastmod>2020-02-13T07:17:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-include-cryptocurrency-in-an-estate-plan/</loc>
		<lastmod>2020-02-24T23:57:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-medicare-payment-method-causing-cuts-to-home-health-care-services/</loc>
		<lastmod>2020-03-04T17:08:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-and-medicaid-will-cover-coronavirus-testing/</loc>
		<lastmod>2020-03-07T02:20:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-when-you-live-in-two-states/</loc>
		<lastmod>2020-03-11T23:59:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-can-you-do-to-protect-your-loved-one-in-a-nursing-home-during-the-pandemic/</loc>
		<lastmod>2020-03-19T19:40:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-offices-shuttered-in-response-to-coronavirus-outbreak/</loc>
		<lastmod>2020-03-19T20:24:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-is-expanding-telehealth-services-during-coronavirus-pandemic/</loc>
		<lastmod>2020-03-25T04:45:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/staying-connected-to-family-members-in-a-nursing-home-when-visits-are-banned/</loc>
		<lastmod>2020-03-25T04:45:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-coronavirus-pandemic-may-be-a-good-time-to-reevaluate-your-estate-plan/</loc>
		<lastmod>2020-03-25T17:56:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-assist-aging-parents-during-the-pandemic/</loc>
		<lastmod>2020-03-27T19:42:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-does-the-coronavirus-relief-bill-affect-seniors/</loc>
		<lastmod>2020-04-03T03:14:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/law-firms-devising-creative-strategies-to-help-clients-safely-execute-estate-planning-documents-during-pandemic/</loc>
		<lastmod>2020-04-07T23:22:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-your-stimulus-check-affects-medicaid/</loc>
		<lastmod>2020-04-08T19:07:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-low-nursing-home-wages-are-contributing-to-the-spread-of-covid-19/</loc>
		<lastmod>2020-04-11T12:09:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-you-bring-your-parent-home-from-the-nursing-home-during-the-coronavirus-pandemic/</loc>
		<lastmod>2020-04-11T12:09:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/wheres-my-coronavirus-relief-payment-well-it-depends/</loc>
		<lastmod>2020-04-14T19:33:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-and-not-do-with-your-estate-planning-documents/</loc>
		<lastmod>2020-04-15T20:09:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-seniors-who-lose-their-job-during-the-coronavirus-pandemic-claim-social-security-benefits-early/</loc>
		<lastmod>2020-04-22T21:02:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/three-changes-you-may-want-to-make-to-your-estate-plan-now-due-to-the-pandemic/</loc>
		<lastmod>2020-05-01T11:46:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/states-may-not-terminate-medicaid-benefits-during-the-coronavirus-pandemic/</loc>
		<lastmod>2020-05-07T00:45:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/coronavirus-relief-funds-paid-to-deceased-americans-must-be-returned/</loc>
		<lastmod>2020-05-07T21:12:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/despite-pandemics-toll-federal-government-proposes-loosening-infection-control-regulations-for-nursing-homes/</loc>
		<lastmod>2020-05-12T16:45:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/yes-you-can-receive-unemployment-and-social-security-at-the-same-time/</loc>
		<lastmod>2020-05-15T04:15:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/seniors-affected-by-the-coronavirus-pandemic-have-more-time-to-apply-for-medicare-or-change-plans/</loc>
		<lastmod>2020-05-15T04:15:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/pandemic-relief-retirement-account-owners-do-not-have-to-take-required-distributions-in-2020/</loc>
		<lastmod>2020-05-15T17:58:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/some-nursing-homes-and-assisted-living-facilities-are-snatching-residents-pandemic-relief-checks-ftc-warns/</loc>
		<lastmod>2020-05-20T01:44:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/seniors-and-adults-with-special-needs-who-are-claimed-as-dependents-will-not-get-coronavirus-relief-payment/</loc>
		<lastmod>2020-05-22T12:05:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/states-move-to-immunize-nursing-homes-from-liability-during-coronavirus-pandemic/</loc>
		<lastmod>2020-05-26T19:17:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/four-ways-the-coronavirus-pandemic-may-affect-long-term-care-insurance/</loc>
		<lastmod>2020-06-06T03:45:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-the-coronavirus-has-brought-ageism-into-stark-relief/</loc>
		<lastmod>2020-06-12T13:19:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-buying-a-medigap-policy-it-really-pays-to-shop-around/</loc>
		<lastmod>2020-06-17T17:51:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/make-sure-your-beneficiary-designations-match-your-estate-plan/</loc>
		<lastmod>2020-06-19T15:14:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-homes-are-evicting-residents-to-make-room-for-coronavirus-patients/</loc>
		<lastmod>2020-06-25T00:59:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-modest-raise-for-nursing-home-workers-could-save-15000-lives-a-year-study/</loc>
		<lastmod>2020-06-25T00:59:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/long-reviled-military-widows-tax-is-finally-being-phased-out/</loc>
		<lastmod>2020-07-14T15:33:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/say-it-loud-fight-over-james-browns-estate-may-finally-be-drawing-to-a-close/</loc>
		<lastmod>2020-07-14T15:33:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-planning-your-estate-dont-let-the-perfect-be-the-enemy-of-the-good/</loc>
		<lastmod>2020-07-14T15:33:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-medicare-cover-a-coronavirus-vaccine/</loc>
		<lastmod>2020-07-19T20:24:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/8-tips-for-having-the-talk-with-elderly-parents/</loc>
		<lastmod>2020-07-29T00:36:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-you-transfer-your-medicare-and-medicaid-plans-when-you-move-to-another-state/</loc>
		<lastmod>2020-08-01T17:44:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-will-the-coronavirus-pandemic-affect-social-security/</loc>
		<lastmod>2020-08-07T15:09:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/four-steps-you-can-take-to-protect-your-digital-estate/</loc>
		<lastmod>2020-08-11T03:47:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/which-nursing-home-rating-system-should-you-trust/</loc>
		<lastmod>2020-08-12T22:49:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/husbands-usually-dont-consider-their-wives-future-when-deciding-when-to-take-social-security-benefits/</loc>
		<lastmod>2020-09-09T05:17:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-home-residents-face-even-greater-barriers-to-voting-amid-coronavirus-pandemic/</loc>
		<lastmod>2020-09-14T13:35:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-open-enrollment-starts-october-15-is-it-time-to-change-plans/</loc>
		<lastmod>2020-09-16T05:42:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-divide-up-personal-possessions-without-dividing-the-family/</loc>
		<lastmod>2020-09-18T18:02:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-electronic-wills-be-the-new-normal/</loc>
		<lastmod>2020-09-18T18:02:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-may-not-cover-the-coronavirus-vaccine-after-all/</loc>
		<lastmod>2020-09-24T02:30:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-beneficiaries-may-be-eligible-for-an-extra-100-days-of-skilled-nursing-coverage-due-to-pandemic/</loc>
		<lastmod>2020-09-24T20:17:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-york-imposes-restrictions-on-medicaid-eligibility-for-home-care/</loc>
		<lastmod>2020-10-02T05:23:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-fix-a-required-minimum-distribution-mistake/</loc>
		<lastmod>2020-10-09T12:31:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-modest-social-security-increase-for-2021/</loc>
		<lastmod>2020-10-14T16:12:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/where-trump-and-biden-stand-on-issues-important-to-older-americans/</loc>
		<lastmod>2020-10-20T02:00:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dont-forget-to-fund-your-revocable-trust/</loc>
		<lastmod>2020-10-23T09:05:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-hazards-of-do-it-yourself-estate-planning/</loc>
		<lastmod>2020-10-24T18:19:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-issues-long-term-care-premium-deductibility-limits-for-2021/</loc>
		<lastmod>2020-10-30T03:31:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/utah-hospitals-may-implement-age-based-care-rationing-in-response-to-coronavirus-pandemic/</loc>
		<lastmod>2020-11-07T10:17:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-premiums-to-increase-slightly-in-2021/</loc>
		<lastmod>2020-11-12T05:49:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/watch-out-for-these-potential-problems-with-life-estates/</loc>
		<lastmod>2020-11-18T16:41:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-look-for-when-choosing-a-medicare-advantage-plan/</loc>
		<lastmod>2020-11-18T16:41:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/ability-to-withdraw-money-early-from-retirement-plan-without-penalty-ends-at-the-end-of-the-year/</loc>
		<lastmod>2020-11-20T03:28:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/paying-taxes-when-selling-an-inherited-vacation-house/</loc>
		<lastmod>2020-11-20T03:28:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/special-tax-deduction-for-2020-allows-donations-of-300-to-charity-without-itemizing/</loc>
		<lastmod>2020-12-09T00:36:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-create-an-estate-plan-that-includes-your-pet/</loc>
		<lastmod>2020-12-13T05:33:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-critical-illness-insurance-and-is-it-worth-buying/</loc>
		<lastmod>2020-12-13T05:33:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-you-visit-nursing-home-residents-after-they-are-vaccinated/</loc>
		<lastmod>2020-12-30T17:29:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/using-life-insurance-as-part-of-your-estate-plan/</loc>
		<lastmod>2020-12-30T17:29:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/annual-long-term-care-survey-finds-steep-rise-in-assisted-living-facility-costs-amid-pandemic/</loc>
		<lastmod>2021-01-05T18:17:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/moving-to-a-new-state-be-sure-to-update-your-estate-plan/</loc>
		<lastmod>2021-01-12T03:20:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/congress-fixes-some-but-not-all-medicare-enrollment-problems/</loc>
		<lastmod>2021-01-14T17:00:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-long-term-care-and-who-provides-it/</loc>
		<lastmod>2021-01-21T03:04:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/married-couples-need-an-estate-plan/</loc>
		<lastmod>2021-01-21T18:15:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/biden-administration-may-spell-changes-to-estate-tax-and-stepped-up-basis-rule/</loc>
		<lastmod>2021-01-22T17:33:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-with-your-stimulus-check-if-you-are-in-a-nursing-home/</loc>
		<lastmod>2021-01-30T16:28:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/long-term-care-insurance-premiums-have-soared-in-past-year/</loc>
		<lastmod>2021-01-30T16:28:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/using-estate-planning-to-prepare-for-medicaid/</loc>
		<lastmod>2021-02-05T17:21:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-you-cant-do-with-a-will/</loc>
		<lastmod>2021-02-19T17:32:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaids-coverage-of-nursing-home-care/</loc>
		<lastmod>2021-03-08T18:13:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/biden-administration-eases-recommended-restrictions-on-nursing-home-visits/</loc>
		<lastmod>2021-04-08T12:15:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-the-19-trillion-covid-19-relief-bill-aids-seniors/</loc>
		<lastmod>2021-04-08T12:15:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-transfer-my-grandmothers-car-to-my-name-without-causing-a-medicaid-penalty-period/</loc>
		<lastmod>2021-04-08T12:15:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-an-irrevocable-trust-may-be-superior-to-gifting/</loc>
		<lastmod>2021-04-08T12:15:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/senators-propose-sweeping-changes-to-estate-and-capital-gains-taxes-aimed-at-the-wealthy/</loc>
		<lastmod>2021-04-08T12:15:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/finding-the-right-hospital-bed-rental/</loc>
		<lastmod>2021-04-08T12:15:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-recipients-have-a-little-more-time-to-spend-down-their-stimulus-money/</loc>
		<lastmod>2021-04-08T12:15:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-announces-that-face-masks-and-related-purchases-are-tax-deductible/</loc>
		<lastmod>2021-04-08T12:15:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-an-irrevocable-life-insurance-trust-can-be-used-to-avoid-the-estate-tax/</loc>
		<lastmod>2021-04-13T12:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/latest-john-oliver-rant-details-failings-of-our-long-term-care-system/</loc>
		<lastmod>2021-04-16T12:15:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-mom-take-out-a-home-equity-loan-on-a-house-in-her-name-without-affecting-my-dads-medicaid-benefits/</loc>
		<lastmod>2021-04-17T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-mothers-guardian-refuse-to-communicate-with-me-about-my-mothers-condition/</loc>
		<lastmod>2021-04-30T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/president-biden-proposes-billions-in-increased-funding-for-home-health-care/</loc>
		<lastmod>2021-05-06T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/saying-medicaid-estate-recovery-keeps-families-in-poverty-advocacy-groups-call-for-its-abolition/</loc>
		<lastmod>2021-05-07T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-you-can-end-up-in-medicare-part-ds-notorious-doughnut-hole-and-how-you-get-out/</loc>
		<lastmod>2021-05-08T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-can-we-get-an-answer-from-medicaid-about-whether-our-mother-qualifies-for-home-care/</loc>
		<lastmod>2021-05-11T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-you-can-end-up-in-medicare-part-ds-notorious-donut-hole-and-how-you-get-out/</loc>
		<lastmod>2021-05-12T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/younger-adults-now-more-likely-to-have-a-will-according-to-survey/</loc>
		<lastmod>2021-05-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/court-case-illustrates-the-danger-of-using-an-online-power-of-attorney-form/</loc>
		<lastmod>2021-05-14T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-buy-a-car-for-my-mother-as-my-mothers-agent-under-a-power-of-attorney/</loc>
		<lastmod>2021-05-20T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/non-borrowing-spouses-of-reverse-mortgage-holders-receive-expanded-protections/</loc>
		<lastmod>2021-05-21T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaids-home-care-waivers-can-help-you-avoid-a-nursing-home-but-the-line-may-be-long/</loc>
		<lastmod>2021-06-12T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/must-a-home-health-care-worker-return-a-lump-sum-payment-if-the-senior-enters-a-nursing-home/</loc>
		<lastmod>2021-06-12T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/thousands-of-elderly-and-disabled-ssi-recipients-accused-of-owning-property-that-isnt-theirs/</loc>
		<lastmod>2021-06-12T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-directed-trust-and-what-are-its-benefits/</loc>
		<lastmod>2021-06-16T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dual-eligibility-how-qualifying-for-both-medicare-and-medicaid-can-help-with-costs/</loc>
		<lastmod>2021-06-18T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/passing-assets-to-grandchildren-through-a-generation-skipping-trust/</loc>
		<lastmod>2021-06-23T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-ensure-my-siblings-move-out-of-my-moms-house-if-i-need-to-sell-it-to-pay-for-long-term-care/</loc>
		<lastmod>2021-06-24T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/supreme-court-to-hear-case-that-could-increase-the-bite-that-medicaid-takes-out-of-settlements/</loc>
		<lastmod>2021-07-09T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/using-a-minority-valuation-discount-to-reduce-estate-taxes-when-passing-on-a-family-business/</loc>
		<lastmod>2021-07-16T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/you-may-be-overestimating-your-social-security-benefits/</loc>
		<lastmod>2021-07-17T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-the-executor-of-my-grandfathers-will-keep-whats-in-a-joint-account/</loc>
		<lastmod>2021-07-20T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/be-careful-not-to-name-minors-as-your-beneficiaries/</loc>
		<lastmod>2021-07-21T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/britney-spears-is-giving-the-country-a-crash-course-on-guardianship/</loc>
		<lastmod>2021-07-23T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-would-cover-dental-vision-and-hearing-under-senate-democrats-spending-plan/</loc>
		<lastmod>2021-07-23T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-nursing-home-sue-an-agent-under-a-power-of-attorney-for-an-outstanding-balance/</loc>
		<lastmod>2021-07-29T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-homes-grapple-with-whether-to-force-staff-to-get-vaccinated/</loc>
		<lastmod>2021-08-03T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-marriage-be-annulled-after-one-spouses-death/</loc>
		<lastmod>2021-08-06T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-return-gifted-property-so-that-our-mother-is-not-subject-to-a-medicaid-transfer-penalty/</loc>
		<lastmod>2021-08-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-tax-proposals-mean-you-should-review-your-estate-plan/</loc>
		<lastmod>2021-08-13T12:15:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/preserving-the-family-vacation-home-for-generations-to-come/</loc>
		<lastmod>2021-08-13T12:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-there-anything-i-can-do-to-make-a-nursing-home-give-me-health-information-about-my-wife/</loc>
		<lastmod>2021-08-31T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/online-survey-helps-older-adults-assess-their-financial-vulnerability/</loc>
		<lastmod>2021-09-02T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-use-intrafamily-loans-as-part-of-your-estate-plan/</loc>
		<lastmod>2021-09-04T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-my-mothers-estate-planning-documents-still-valid-if-the-lawyer-who-prepared-them-is-disbarred/</loc>
		<lastmod>2021-09-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/armed-with-a-new-report-white-house-pushes-congress-to-reduce-prescription-drug-costs/</loc>
		<lastmod>2021-09-14T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/its-medicare-open-enrollment-time-is-your-plan-still-working-for-you/</loc>
		<lastmod>2021-09-14T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/make-sure-your-estate-plan-and-other-essential-documents-are-safe-from-disasters/</loc>
		<lastmod>2021-09-18T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-shortfalls-are-predicted-to-begin-a-year-earlier-due-to-the-pandemic/</loc>
		<lastmod>2021-09-21T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-there-special-tax-rules-for-a-gift-or-inheritance-from-a-foreign-national/</loc>
		<lastmod>2021-09-24T12:15:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-the-best-way-to-use-the-equity-from-my-house-to-pay-for-my-care/</loc>
		<lastmod>2021-09-29T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/covid-vaccination-information-added-to-medicares-nursing-home-compare-site/</loc>
		<lastmod>2021-10-01T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-siblings-legally-required-to-care-for-each-other/</loc>
		<lastmod>2021-10-05T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/better-than-no-loaf-medicaid-planning-using-half-a-loaf-strategies/</loc>
		<lastmod>2021-10-07T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/in-2022-social-security-beneficiaries-will-see-the-biggest-increase-in-39-years/</loc>
		<lastmod>2021-10-15T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-benefits-of-including-an-llc-as-part-of-your-estate-plan/</loc>
		<lastmod>2021-10-19T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-my-dad-applies-for-medicaid-will-his-new-wifes-assets-be-counted-even-though-they-have-kept-their-assets-separate/</loc>
		<lastmod>2021-10-27T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/closing-of-social-security-field-offices-disrupted-ssi-benefits-for-thousands-lawsuit-charges/</loc>
		<lastmod>2021-11-03T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-makes-health-care-decisions-when-you-are-unable/</loc>
		<lastmod>2021-11-04T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-it-means-to-need-nursing-home-level-of-care-for-medicaid-eligibility/</loc>
		<lastmod>2021-11-09T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-way-to-lock-in-the-current-estate-tax-exemption-to-benefit-your-spouse/</loc>
		<lastmod>2021-11-16T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-premiums-to-increase-dramatically-in-2022/</loc>
		<lastmod>2021-11-18T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-issues-long-term-care-premium-deductibility-limits-for-2022-and-they-look-pretty-familiar/</loc>
		<lastmod>2021-11-20T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-the-person-who-received-a-gift-from-a-medicaid-applicant-have-to-be-the-one-to-return-it-to-erase-the-medicaid-penalty/</loc>
		<lastmod>2021-12-01T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-you-may-need-a-trust-in-addition-to-a-power-of-attorney/</loc>
		<lastmod>2021-12-02T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/you-can-cure-a-medicaid-penalty-period-by-returning-a-gift/</loc>
		<lastmod>2021-12-08T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-vaccines-does-medicare-cover/</loc>
		<lastmod>2021-12-08T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-difference-between-elder-law-and-estate-planning/</loc>
		<lastmod>2021-12-10T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/advocates-sound-alarm-about-pilot-program-they-say-could-privatize-all-of-medicare/</loc>
		<lastmod>2021-12-11T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-apply-for-medicaid-for-our-mom-without-her-signature/</loc>
		<lastmod>2021-12-21T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/annual-gift-tax-and-estate-tax-exclusions-are-increasing-in-2022/</loc>
		<lastmod>2021-12-24T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-pays-capital-gains-taxes-when-there-are-multiple-heirs/</loc>
		<lastmod>2022-01-08T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/worsening-nursing-home-staffing-crisis-taking-a-devastating-toll-on-residents-their-families-and-hospitals/</loc>
		<lastmod>2022-01-12T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/consumers-can-now-see-how-nursing-homes-compare-on-staff-turnover-and-weekend-help/</loc>
		<lastmod>2022-01-13T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/just-say-no-declining-to-act-as-an-agent-under-a-power-of-attorney/</loc>
		<lastmod>2022-01-20T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/california-removing-asset-test-for-medicaid-eligibility/</loc>
		<lastmod>2022-01-21T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-much-can-a-trustee-be-compensated/</loc>
		<lastmod>2022-01-22T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-can-someone-be-declared-legally-incompetent/</loc>
		<lastmod>2022-01-25T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-wont-cover-rapid-at-home-covid-tests/</loc>
		<lastmod>2022-01-25T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-about-an-unwanted-inheritance/</loc>
		<lastmod>2022-01-27T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-you-transfer-a-whole-life-insurance-policy-to-a-term-policy-without-a-medicaid-penalty/</loc>
		<lastmod>2022-01-27T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/court-rules-medicare-beneficiaries-can-appeal-switch-to-hospital-observation-status/</loc>
		<lastmod>2022-02-02T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-a-non-grantor-trust-might-be-useful/</loc>
		<lastmod>2022-02-03T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-a-social-security-recipient-dies-survivors-may-be-eligible-for-benefits/</loc>
		<lastmod>2022-02-05T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-a-medicaid-recipient-moves-in-with-us-will-medicaid-try-to-recoup-benefits-from-us/</loc>
		<lastmod>2022-02-05T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-to-cover-at-home-covid-tests-by-early-spring/</loc>
		<lastmod>2022-02-08T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-you-dont-want-an-ira-distribution-you-can-donate-it-to-charity/</loc>
		<lastmod>2022-02-10T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-will-happen-when-the-gift-and-estate-tax-exemption-gets-cut-in-half/</loc>
		<lastmod>2022-02-15T13:15:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-documents-are-required-for-a-medicaid-application/</loc>
		<lastmod>2022-02-15T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/earned-income-tax-credit-now-available-to-seniors-without-dependents/</loc>
		<lastmod>2022-02-17T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/millions-of-people-could-lose-medicaid-coverage-when-the-pandemic-is-declared-over/</loc>
		<lastmod>2022-02-17T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-my-dad-move-his-money-out-of-an-ira-and-into-an-account-in-my-moms-name-before-applying-for-medicaid/</loc>
		<lastmod>2022-02-19T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-to-avoid-naming-a-trust-as-beneficiary-of-your-retirement-plan/</loc>
		<lastmod>2022-02-19T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicares-controversial-direct-contracting-program-hits-biden-administrations-radar/</loc>
		<lastmod>2022-02-19T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/rather-than-end-controversial-medicare-initiative-biden-gives-it-a-makeover/</loc>
		<lastmod>2022-03-01T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/home-health-aide-costs-see-the-sharpest-increase-in-annual-long-term-care-survey/</loc>
		<lastmod>2022-03-02T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/biden-proposes-major-nursing-home-reforms-most-extensive-in-decades/</loc>
		<lastmod>2022-03-04T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/using-a-roth-ira-as-an-estate-planning-tool/</loc>
		<lastmod>2022-03-10T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-long-does-an-executors-job-take/</loc>
		<lastmod>2022-03-15T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaids-snapshot-date-and-its-crucial-impact-on-a-couples-financial-picture/</loc>
		<lastmod>2022-03-18T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-a-payment-to-a-student-loan-company-exempted-from-the-gift-tax/</loc>
		<lastmod>2022-03-18T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/claiming-social-security-benefits-at-age-70/</loc>
		<lastmod>2022-03-18T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-family-inherit-my-season-tickets/</loc>
		<lastmod>2022-03-24T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-do-i-do-if-social-security-wont-honor-my-mothers-power-of-attorney/</loc>
		<lastmod>2022-03-25T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-now-covers-the-cost-of-covid-at-home-tests/</loc>
		<lastmod>2022-04-06T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-to-leave-a-nursing-home-and-move-back-home/</loc>
		<lastmod>2022-04-07T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-small-business-owners-need-an-estate-plan/</loc>
		<lastmod>2022-04-09T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-tax-consequences-of-selling-a-house-after-the-death-of-a-spouse/</loc>
		<lastmod>2022-04-13T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-medicaid-recover-benefits-from-an-ira-after-the-recipient-dies/</loc>
		<lastmod>2022-04-14T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-if-your-medicaid-application-is-denied/</loc>
		<lastmod>2022-04-16T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-changing-a-revocable-trust-into-an-irrevocable-trust-subject-to-medicaids-five-year-look-back/</loc>
		<lastmod>2022-04-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-community-property-affects-estate-and-tax-planning/</loc>
		<lastmod>2022-05-05T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-advantage-plans-often-wrongly-deny-necessary-care-study-finds/</loc>
		<lastmod>2022-05-05T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/which-states-have-been-hardest-hit-by-the-nursing-home-staff-crisis/</loc>
		<lastmod>2022-05-07T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/using-an-intentionally-defective-grantor-trust-to-transfer-assets/</loc>
		<lastmod>2022-05-13T12:15:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-if-you-want-to-leave-your-children-unequal-inheritances/</loc>
		<lastmod>2022-05-17T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-enrollment-period-extended-for-some-beneficiaries-due-to-phone-issues/</loc>
		<lastmod>2022-05-18T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-offers-lump-sum-payments-to-some-beneficiaries/</loc>
		<lastmod>2022-05-19T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-a-family-member-dies-with-medical-bills-can-we-retroactively-apply-for-medicaid/</loc>
		<lastmod>2022-05-26T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-get-into-a-nursing-home-as-a-medicaid-recipient/</loc>
		<lastmod>2022-06-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/supreme-court-rules-state-medicaid-programs-can-recoup-a-larger-share-of-injury-settlements/</loc>
		<lastmod>2022-06-09T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/three-estate-planning-options-for-your-art-collection/</loc>
		<lastmod>2022-06-10T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-deal-with-an-estranged-child-in-your-estate-plan/</loc>
		<lastmod>2022-06-16T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/stop-using-unsafe-portable-bed-rails-immediately-national-safety-commission-warns/</loc>
		<lastmod>2022-06-16T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-use-a-medicaid-beneficiarys-inheritance-to-pay-her-assisted-living-facility-three-months-in-advance/</loc>
		<lastmod>2022-06-16T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dynasty-trusts-a-tax-efficient-way-to-pass-wealth-down-through-the-generations/</loc>
		<lastmod>2022-06-24T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-and-medicare-financial-outlooks-improve-slightly-due-to-rebounding-economy/</loc>
		<lastmod>2022-06-25T12:15:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-medicare-pay-for-a-second-stay-in-a-nursing-home-after-the-resident-pays-privately-for-60-days/</loc>
		<lastmod>2022-06-29T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-medicaid-reimburse-my-mom-for-the-cost-of-preparing-a-medicaid-application-for-my-dad/</loc>
		<lastmod>2022-07-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/keeping-your-emergency-contacts-and-medical-information-updated-for-first-responders/</loc>
		<lastmod>2022-07-09T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/cms-issues-updated-guidance-intended-to-improve-quality-of-nursing-home-care/</loc>
		<lastmod>2022-07-12T12:15:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/at-home-covid-tests-accessible-for-people-who-are-blind-or-have-low-vision-now-available/</loc>
		<lastmod>2022-07-12T12:15:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/it-pays-to-be-a-smart-shopper-when-buying-a-medigap-insurance-policy/</loc>
		<lastmod>2022-07-13T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-ins-and-outs-of-estate-sales/</loc>
		<lastmod>2022-07-14T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-medicaid-take-proceeds-from-the-house-we-live-in-which-does-not-belong-to-us/</loc>
		<lastmod>2022-07-16T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/im-thinking-about-entering-into-a-contract-for-deed-with-someone-who-may-go-to-a-nursing-home-should-i-reconsider/</loc>
		<lastmod>2022-07-16T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-mom-doesnt-have-a-designated-power-of-attorney-which-of-her-children-should-be-the-poa/</loc>
		<lastmod>2022-07-19T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-does-medicaid-pending-mean/</loc>
		<lastmod>2022-07-20T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-is-a-nursing-home-eviction-legal-and-what-can-i-do/</loc>
		<lastmod>2022-07-20T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-are-the-best-ways-to-get-out-of-debt-before-you-retire/</loc>
		<lastmod>2022-07-26T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-i-need-a-professional-patient-advocate/</loc>
		<lastmod>2022-07-26T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/fema-assists-with-funeral-expenses-for-deaths-related-to-covid-19/</loc>
		<lastmod>2022-07-26T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-a-grantor-retained-annuity-trust-right-for-you/</loc>
		<lastmod>2022-07-26T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-you-should-consider-before-scattering-a-loved-ones-ashes/</loc>
		<lastmod>2022-07-27T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-changes-to-portability-of-the-estate-tax-exemption-may-impact-you/</loc>
		<lastmod>2022-07-27T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-are-children-eligible-for-social-security-benefits/</loc>
		<lastmod>2022-07-29T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-nursing-home-hold-friends-or-family-members-responsible-for-a-residents-care/</loc>
		<lastmod>2022-08-02T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/psychiatric-advance-directives-plan-your-treatment-before-a-mental-health-crisis/</loc>
		<lastmod>2022-08-02T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-are-the-wards-rights-in-a-guardianship/</loc>
		<lastmod>2022-08-03T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/plan-ahead-before-seeking-nursing-home-care-avoid-unnecessary-debt-for-you-and-your-family/</loc>
		<lastmod>2022-08-04T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-you-can-help-your-loved-ones-by-planning-your-funeral-arrangements/</loc>
		<lastmod>2022-08-04T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/prescription-drug-pricing-bill-whats-at-stake-for-medicare-recipients/</loc>
		<lastmod>2022-08-05T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/book-review-its-not-too-late-the-ultimate-guide-to-nursing-home-medicaid-for-the-stressed-out-husband-or-wife/</loc>
		<lastmod>2022-08-06T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-after-divorce/</loc>
		<lastmod>2022-08-09T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/updates-to-social-security-administration-portal-make-it-easy-to-complete-key-tasks-online/</loc>
		<lastmod>2022-08-09T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-you-need-to-know-about-medicaids-personal-needs-allowance/</loc>
		<lastmod>2022-08-10T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-a-medicaid-recipient-lose-his-benefits-if-he-sends-his-incarcerated-son-money-every-month/</loc>
		<lastmod>2022-08-10T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-can-i-be-added-as-power-of-attorney-for-my-father/</loc>
		<lastmod>2022-08-10T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-my-husbands-ira-a-countable-asset-according-to-medicaid/</loc>
		<lastmod>2022-08-10T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-long-should-i-hold-on-to-important-documents/</loc>
		<lastmod>2022-08-11T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-you-missing-out-on-benefits-identify-the-programs-available-to-seniors-like-you/</loc>
		<lastmod>2022-08-12T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/miller-trusts-can-help-you-qualify-for-medicaid/</loc>
		<lastmod>2022-08-13T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/be-cautious-of-generic-health-care-proxy-forms/</loc>
		<lastmod>2022-08-16T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dont-yet-want-your-heirs-to-know-about-your-assets-use-a-quiet-trust-in-your-estate-plan/</loc>
		<lastmod>2022-08-17T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-fda-approves-over-the-counter-hearing-aids/</loc>
		<lastmod>2022-08-19T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/majority-of-adult-children-cannot-support-boomer-parents-surveys-find/</loc>
		<lastmod>2022-08-19T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/havent-yet-filed-your-tax-return-if-you-requested-an-extension-you-may-benefit-from-free-irs-support-services/</loc>
		<lastmod>2022-08-20T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-the-difference-between-a-springing-and-non-springing-power-of-attorney/</loc>
		<lastmod>2022-08-23T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/resources-for-caregivers-of-older-adults-with-dementia/</loc>
		<lastmod>2022-08-23T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-sisters-legal-guardian-share-information-medical-or-otherwise-with-our-parents/</loc>
		<lastmod>2022-08-23T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-a-family-member-who-is-not-my-moms-medical-power-of-attorney-allowed-to-stop-her-treatment/</loc>
		<lastmod>2022-08-24T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-mother-in-assisted-living-has-outstanding-credit-card-debt-what-should-she-do/</loc>
		<lastmod>2022-08-26T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/free-at-home-covid-19-test-kit-shipment-program-ends-blind-low-vision-users-can-continue-to-request-accessible-kits/</loc>
		<lastmod>2022-08-31T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/preventing-and-reducing-the-risk-of-falls-tips-and-recommendations/</loc>
		<lastmod>2022-08-31T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/alert-scam-targeting-medicare-recipients/</loc>
		<lastmod>2022-08-31T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/aging-in-place-funds-to-benefit-low-income-senior-homeowners/</loc>
		<lastmod>2022-09-01T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-a-medicaid-planner-right-for-you/</loc>
		<lastmod>2022-09-01T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/im-trying-to-put-my-mom-in-a-nursing-home-but-im-not-her-medical-power-of-attorney/</loc>
		<lastmod>2022-09-01T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/im-getting-bills-for-my-wifes-nursing-home-care-while-waiting-for-her-medicaid-approval/</loc>
		<lastmod>2022-09-01T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/im-a-widow-disabled-and-cant-take-care-of-my-house-anymore-can-i-give-it-to-my-son/</loc>
		<lastmod>2022-09-01T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-does-telehealth-work-and-what-are-the-benefits/</loc>
		<lastmod>2022-09-03T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-i-close-my-ira-and-give-that-money-to-my-son-will-we-both-have-to-pay-taxes-on-the-money-as-income/</loc>
		<lastmod>2022-09-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-all-the-kids-have-to-sign-papers-when-one-brother-is-trying-to-get-guardianship-of-our-mother/</loc>
		<lastmod>2022-09-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-community-medicaid/</loc>
		<lastmod>2022-09-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-are-parties-to-an-estate/</loc>
		<lastmod>2022-09-08T12:15:06+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-mother-in-laws-poa-removed-me-from-her-hospital-contact-list-can-i-be-added-back/</loc>
		<lastmod>2022-09-08T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-co-owner-of-family-farm-goes-to-nursing-home-would-this-affect-the-ability-to-sell-the-farm/</loc>
		<lastmod>2022-09-08T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-medicare-or-medicaid-cover-senior-day-care-services/</loc>
		<lastmod>2022-09-09T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-spousal-impoverishment/</loc>
		<lastmod>2022-09-09T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/better-access-to-medicaid-feds-seek-to-simplify-enrollment/</loc>
		<lastmod>2022-09-09T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-know-if-your-aging-parents-need-home-care/</loc>
		<lastmod>2022-09-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-a-survivorship-deed-to-my-child-protect-my-home-from-medicaid/</loc>
		<lastmod>2022-09-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-it-legal-to-get-a-will-changed-if-the-person-has-alzheimers-and-dementia/</loc>
		<lastmod>2022-09-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-we-sell-our-mothers-home-will-we-have-to-pay-medicaid-back-for-the-cost-of-our-mothers-nursing-home-care/</loc>
		<lastmod>2022-09-14T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/skilled-nursing-facilities-vs-nursing-homes-whats-the-difference/</loc>
		<lastmod>2022-09-14T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-medicare-pay-for-housekeeping-services/</loc>
		<lastmod>2022-09-14T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/no-will-youre-putting-your-kids-at-risk/</loc>
		<lastmod>2022-09-14T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/researching-medicare-or-medicaid-google-wants-to-help/</loc>
		<lastmod>2022-09-15T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-are-survivor-benefits/</loc>
		<lastmod>2022-09-17T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-medicaid-come-after-the-condo-she-transferred-to-my-wife/</loc>
		<lastmod>2022-09-17T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/in-one-year-close-to-1-million-more-us-seniors-living-in-poverty/</loc>
		<lastmod>2022-09-17T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-advantage-new-bill-may-speed-up-your-access-to-care/</loc>
		<lastmod>2022-09-17T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-trade-in-a-bigger-car-for-our-parents-who-are-on-medicaid/</loc>
		<lastmod>2022-09-20T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/am-i-legally-obligated-to-allow-my-brother-to-visit-my-mom/</loc>
		<lastmod>2022-09-20T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/whats-the-difference-between-alzheimers-and-dementia/</loc>
		<lastmod>2022-09-21T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-can-i-do-if-my-mothers-poa-is-mistreating-her/</loc>
		<lastmod>2022-09-22T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-all-the-proceeds-from-selling-the-house-have-to-go-toward-memory-care/</loc>
		<lastmod>2022-09-22T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/older-americans-cancel-your-student-loan-debt/</loc>
		<lastmod>2022-09-22T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-are-medicaid-asset-protection-trusts/</loc>
		<lastmod>2022-09-23T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/3-reasons-to-review-your-medicare-annual-notice-of-change/</loc>
		<lastmod>2022-09-23T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-forgotten-middle-seniors-facing-housing-care-crisis/</loc>
		<lastmod>2022-09-27T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-evolution-of-medicares-telehealth-coverage/</loc>
		<lastmod>2022-09-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/11-common-acronyms-in-elder-law-and-estate-planning/</loc>
		<lastmod>2022-09-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/savings-for-seniors-lower-medicare-part-b-premiums-in-2023/</loc>
		<lastmod>2022-09-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/depressive-symptoms-in-alzheimers-disease-family-caregivers/</loc>
		<lastmod>2022-10-01T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/5-smart-estate-planning-strategies-for-high-net-worth-families/</loc>
		<lastmod>2022-10-04T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/after-a-dementia-diagnosis-preparing-for-the-future/</loc>
		<lastmod>2022-10-04T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/utilizing-a-1031-exchange-to-avoid-capital-gains-taxes/</loc>
		<lastmod>2022-10-06T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/3-foot-or-leg-related-health-issues-medicare-may-help-cover/</loc>
		<lastmod>2022-10-06T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-can-you-transfer-a-guardianship-between-states/</loc>
		<lastmod>2022-10-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/alternatives-to-traditional-funeral-arrangements/</loc>
		<lastmod>2022-10-11T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/resources-to-help-with-end-of-life-care/</loc>
		<lastmod>2022-10-12T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-choose-the-best-home-care-provider-for-your-parents/</loc>
		<lastmod>2022-10-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/6-possible-risk-factors-for-dementia-you-may-not-expect/</loc>
		<lastmod>2022-10-18T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-does-it-mean-to-be-estranged/</loc>
		<lastmod>2022-10-18T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/comparing-traditional-medicare-and-medicare-advantage/</loc>
		<lastmod>2022-10-18T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/honoring-family-caregivers-month-resources-for-grandparent-caregivers/</loc>
		<lastmod>2022-10-19T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/3-tips-when-including-caregivers-in-your-estate-planning/</loc>
		<lastmod>2022-10-19T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-can-i-do-during-the-medicare-open-enrollment-period/</loc>
		<lastmod>2022-10-25T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/avoiding-the-medicare-part-d-late-enrollment-penalty/</loc>
		<lastmod>2022-10-25T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/protect-yourself-from-predatory-medicare-advantage-marketers/</loc>
		<lastmod>2022-10-25T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-not-to-include-in-your-will/</loc>
		<lastmod>2022-10-25T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/im-on-medicare-and-medicaid-can-i-sell-my-car-and-keep-the-proceeds/</loc>
		<lastmod>2022-10-25T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-sister-who-has-poa-restrict-my-fathers-visitors/</loc>
		<lastmod>2022-10-25T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-recipients-to-get-another-increase-in-2023/</loc>
		<lastmod>2022-10-26T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/insured-retirees-paying-tens-of-thousands-for-health-care/</loc>
		<lastmod>2022-10-27T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-long-will-medicare-pay-for-my-sisters-care-in-a-nursing-home/</loc>
		<lastmod>2022-10-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/im-70-and-still-working-can-i-file-for-ssdi-due-to-an-injury/</loc>
		<lastmod>2022-10-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-should-you-start-helping-with-your-parents-finances/</loc>
		<lastmod>2022-10-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/now-you-can-see-more-data-before-choosing-a-nursing-home/</loc>
		<lastmod>2022-11-01T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-if-medicare-denies-coverage-for-prescription-drug/</loc>
		<lastmod>2022-11-02T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-you-lose-your-medicaid-coverage-when-the-pandemic-ends/</loc>
		<lastmod>2022-11-04T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-good-nights-sleep-may-cut-chronic-disease-risk-in-seniors/</loc>
		<lastmod>2022-11-04T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/feds-announce-new-strategy-to-support-family-caregivers/</loc>
		<lastmod>2022-11-05T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-rule-aids-seniors-who-are-first-time-medicare-enrollees/</loc>
		<lastmod>2022-11-05T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-manage-banking-of-my-long-term-care-medicaid-spouse/</loc>
		<lastmod>2022-11-08T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-become-guardian-of-my-brother-with-alzheimers/</loc>
		<lastmod>2022-11-08T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/study-reveals-unmet-needs-of-seniors-relying-on-in-home-care/</loc>
		<lastmod>2022-11-08T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/seniors-and-the-benefits-of-downsizing/</loc>
		<lastmod>2022-11-08T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/pros-and-cons-of-a-mapt/</loc>
		<lastmod>2022-11-11T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-raising-annual-gift-tax-and-estate-tax-exclusions-in-2023/</loc>
		<lastmod>2022-11-11T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/getting-medicare-food-benefits/</loc>
		<lastmod>2022-11-15T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-life-insurance-payout-affect-medicaid-eligibility/</loc>
		<lastmod>2022-11-15T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-returning-assets-eliminate-a-medicaid-transfer-penalty/</loc>
		<lastmod>2022-11-15T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/totten-trust-can-protect-your-money-for-your-loved-ones/</loc>
		<lastmod>2022-11-15T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicare-pay-for-assisted-living/</loc>
		<lastmod>2022-11-16T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-you-should-know-about-required-minimum-distributions/</loc>
		<lastmod>2022-11-17T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-seniors-can-prevent-loneliness-as-they-age/</loc>
		<lastmod>2022-11-19T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/protecting-spouses-of-medicaid-applicants-2023-guidelines/</loc>
		<lastmod>2022-11-19T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-happens-to-loan-if-i-have-to-go-to-a-nursing-home/</loc>
		<lastmod>2022-11-23T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-you-can-contribute-more-to-retirement-starting-in-2023/</loc>
		<lastmod>2022-11-23T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicare-cover-the-cost-of-getting-a-second-opinion/</loc>
		<lastmod>2022-11-24T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-my-moms-assisted-living-costs-deductible-on-her-taxes/</loc>
		<lastmod>2022-11-29T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicaid-consider-annuities-assets-or-income/</loc>
		<lastmod>2022-11-29T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-the-difference-between-medicaid-and-medicare/</loc>
		<lastmod>2022-11-29T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/support-a-charity-and-your-loved-ones-with-a-clat/</loc>
		<lastmod>2022-12-02T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-are-the-benefits-of-having-a-testamentary-trust/</loc>
		<lastmod>2022-12-03T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-renewals-resuming-the-information-gap/</loc>
		<lastmod>2022-12-03T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-will-now-cover-medically-necessary-dental-care/</loc>
		<lastmod>2022-12-07T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/free-and-inexpensive-meal-delivery-options-for-older-adults/</loc>
		<lastmod>2022-12-07T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/am-i-allowed-to-have-two-cheap-cars-with-medicaid/</loc>
		<lastmod>2022-12-07T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-does-the-term-decedent-mean/</loc>
		<lastmod>2022-12-08T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/5-healthy-holiday-nutrition-tips-for-seniors/</loc>
		<lastmod>2022-12-16T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-lower-prices-for-generics-via-online-pharmacies/</loc>
		<lastmod>2022-12-16T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/study-names-factors-in-severest-nursing-home-covid-outbreaks/</loc>
		<lastmod>2022-12-17T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/step-up-in-basis-and-why-it-matters-in-estate-planning/</loc>
		<lastmod>2022-12-20T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/start-2023-prepared-reassess-what-matters-most/</loc>
		<lastmod>2022-12-22T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/5-reasons-for-seniors-to-celebrate-in-2023/</loc>
		<lastmod>2022-12-22T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-medicaids-money-follows-the-person-mfp-helps-seniors/</loc>
		<lastmod>2022-12-23T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/highlights-of-how-the-omnibus-bill-will-benefit-older-adults/</loc>
		<lastmod>2022-12-28T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-power-of-attorney-end-at-death/</loc>
		<lastmod>2022-12-30T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/deducting-long-term-care-insurance-premiums-in-2023/</loc>
		<lastmod>2023-01-04T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/ending-guardianship-of-an-adult/</loc>
		<lastmod>2023-01-05T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/older-adults-lack-information-in-search-for-long-term-care/</loc>
		<lastmod>2023-01-06T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/appointing-an-executor-heres-what-an-executor-cannot-do/</loc>
		<lastmod>2023-01-06T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/jan-1-march-31-medicare-advantage-open-enrollment-period/</loc>
		<lastmod>2023-01-07T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-moms-assisted-living-home-move-her-to-another-one/</loc>
		<lastmod>2023-01-07T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-can-override-a-power-of-attorney-poa/</loc>
		<lastmod>2023-01-11T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-medicare-summary-notice/</loc>
		<lastmod>2023-01-11T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-husband-needs-medicaid-should-i-move-our-savings/</loc>
		<lastmod>2023-01-11T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-you-appeal-when-a-hospital-considers-you-an-outpatient/</loc>
		<lastmod>2023-01-12T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-mom-pay-me-rent-if-she-will-be-applying-for-medicaid/</loc>
		<lastmod>2023-01-18T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-nursing-home-take-ownership-of-my-dads-house/</loc>
		<lastmod>2023-01-18T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-an-snt-account-pay-for-furniture-for-the-home/</loc>
		<lastmod>2023-01-18T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/assisted-living-and-nursing-homes-whats-the-difference/</loc>
		<lastmod>2023-01-19T13:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/feds-advise-nursing-homes-on-reducing-winter-covid-infections/</loc>
		<lastmod>2023-01-20T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-health-savings-account-will-medicare-affect-mine/</loc>
		<lastmod>2023-01-20T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-homes-face-audits-for-unnecessary-antipsychotics-use/</loc>
		<lastmod>2023-01-21T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-3-things-to-know-about-being-an-executor/</loc>
		<lastmod>2023-01-21T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-does-having-power-of-attorney-with-dual-agents-mean/</loc>
		<lastmod>2023-01-24T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-benefits-of-continuing-care-retirement-communities/</loc>
		<lastmod>2023-01-24T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-irmaa-and-how-does-it-affect-my-medicare-premiums/</loc>
		<lastmod>2023-01-25T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-direct-express-card-funds-affect-medicaid-eligibility/</loc>
		<lastmod>2023-01-26T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-apply-for-medicaid-home-care-if-i-left-long-term-care/</loc>
		<lastmod>2023-01-26T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-funeral-assistance-may-help-pay-for-funeral-costs/</loc>
		<lastmod>2023-01-26T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-memory-care-and-what-are-its-benefits/</loc>
		<lastmod>2023-02-01T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-sell-my-moms-house-if-she-is-on-medicaid/</loc>
		<lastmod>2023-02-02T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicare-cover-physical-therapy/</loc>
		<lastmod>2023-02-03T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/im-applying-for-ssdi-do-i-need-a-lawyer/</loc>
		<lastmod>2023-02-07T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-have-both-employer-insurance-and-medicare/</loc>
		<lastmod>2023-02-07T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-it-legal-for-me-to-see-documents-from-a-revocable-trust/</loc>
		<lastmod>2023-02-08T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-sister-in-law-died-what-do-we-do-with-her-trust/</loc>
		<lastmod>2023-02-08T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/did-my-aunt-actually-have-poa-over-my-late-mother/</loc>
		<lastmod>2023-02-08T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-medicaid-have-a-claim-against-our-house/</loc>
		<lastmod>2023-02-08T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-i-need-to-report-my-wards-social-security-income/</loc>
		<lastmod>2023-02-08T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/this-tax-season-seniors-can-get-free-assistance/</loc>
		<lastmod>2023-02-09T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-does-geriatric-mean-and-what-is-geriatric-care/</loc>
		<lastmod>2023-02-10T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-basics-what-is-a-beneficiary-to-a-will/</loc>
		<lastmod>2023-02-11T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/becoming-a-family-caregiver-for-an-ailing-loved-one/</loc>
		<lastmod>2023-02-15T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-basics-what-is-an-executrix/</loc>
		<lastmod>2023-02-15T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-an-at-a-glance-overview/</loc>
		<lastmod>2023-02-15T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/aging-care-6-tips-for-caring-for-elderly-parents/</loc>
		<lastmod>2023-02-15T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-respite-care-can-it-help-with-caregiver-burnout/</loc>
		<lastmod>2023-02-17T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-qualified-personal-residence-trust-qprt/</loc>
		<lastmod>2023-02-17T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-medicaid-expanding-in-your-state/</loc>
		<lastmod>2023-02-23T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicaid-cover-self-measured-blood-pressure/</loc>
		<lastmod>2023-03-01T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-wills-public-record-estate-planning-qa/</loc>
		<lastmod>2023-03-02T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-hospice-care-at-home/</loc>
		<lastmod>2023-03-02T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-for-your-digital-legacy/</loc>
		<lastmod>2023-03-03T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/keeping-medicare-solvent-could-mean-higher-taxes-for-wealthy/</loc>
		<lastmod>2023-03-10T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/limited-power-of-attorney-in-estate-planning/</loc>
		<lastmod>2023-03-10T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-know-about-being-a-health-care-proxy/</loc>
		<lastmod>2023-03-23T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/where-medical-research-may-fit-into-advance-planning/</loc>
		<lastmod>2023-03-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2023-aarp-report-recommends-supports-for-family-caregivers/</loc>
		<lastmod>2023-03-29T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-intermediate-care-facilities-can-serve-older-adults/</loc>
		<lastmod>2023-04-05T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dont-wait-until-youre-sick-to-create-an-estate-plan/</loc>
		<lastmod>2023-04-06T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-hire-an-elder-law-attorney/</loc>
		<lastmod>2023-04-06T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-can-i-find-out-if-im-a-beneficiary-in-a-trust/</loc>
		<lastmod>2023-04-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-use-my-dads-ira-to-pay-nursing-home-fees/</loc>
		<lastmod>2023-04-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-my-mom-need-to-report-the-sale-of-her-home-to-the-irs/</loc>
		<lastmod>2023-04-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-a-reverse-mortgage-affect-medicare/</loc>
		<lastmod>2023-04-11T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-should-i-include-a-pour-over-will-in-my-estate-plan/</loc>
		<lastmod>2023-04-12T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/affordable-housing-options-for-low-income-older-adults/</loc>
		<lastmod>2023-04-12T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/bill-advocates-for-seniors-who-seek-at-home-medicaid-care/</loc>
		<lastmod>2023-04-14T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-i-explore-qualified-longevity-annuity-contracts/</loc>
		<lastmod>2023-04-18T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/study-certain-social-risks-may-cause-early-death-in-seniors/</loc>
		<lastmod>2023-04-19T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-does-someone-need-financial-guardianship/</loc>
		<lastmod>2023-04-19T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/am-i-responsible-for-my-moms-long-term-care-bill/</loc>
		<lastmod>2023-04-20T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/whats-the-process-for-claiming-a-child-caregiver-exemption/</loc>
		<lastmod>2023-04-20T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/some-states-testing-out-medicaid-coverage-for-healthy-food/</loc>
		<lastmod>2023-04-21T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/6-facets-of-estate-planning-that-lgbtq-couples-should-know/</loc>
		<lastmod>2023-04-26T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-aging-in-place-right-for-me/</loc>
		<lastmod>2023-04-26T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-the-debt-ceiling-bill-could-impact-medicaid-enrollees/</loc>
		<lastmod>2023-04-28T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-consequences-of-not-paying-your-property-taxes/</loc>
		<lastmod>2023-05-03T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/avoid-foreclosure-with-repayment-plan-for-reverse-mortgages/</loc>
		<lastmod>2023-05-03T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/an-epidemic-substance-abuse-a-growing-problem-among-seniors/</loc>
		<lastmod>2023-05-12T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-robotics-and-ai-be-the-future-of-elder-care/</loc>
		<lastmod>2023-05-16T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/challenges-of-long-term-care-planning-for-lgbtq-seniors/</loc>
		<lastmod>2023-05-18T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/innovative-long-term-care-housing-solutions-for-seniors/</loc>
		<lastmod>2023-05-18T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-you-should-designate-beneficiaries/</loc>
		<lastmod>2023-05-18T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/on-medicare-what-youll-pay-for-now-that-the-phe-has-ended/</loc>
		<lastmod>2023-05-20T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/homelessness-among-seniors-a-growing-crisis-say-experts/</loc>
		<lastmod>2023-05-24T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/vt-law-now-permits-nonresidents-to-access-assisted-suicide/</loc>
		<lastmod>2023-05-24T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/senior-citizens-face-loss-of-buying-power-study-shows/</loc>
		<lastmod>2023-05-31T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-you-need-a-trust-estate-planning-qa/</loc>
		<lastmod>2023-06-01T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-will-the-public-health-emergencys-end-affect-veterans/</loc>
		<lastmod>2023-06-06T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-dads-in-memory-care-can-i-change-ownership-of-his-home/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/moms-in-a-nursing-home-with-credit-card-debt-what-do-i-do/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-wifes-in-a-nursing-home-who-gets-her-social-security/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-child-helps-pay-my-bills-do-i-need-to-tell-medicaid/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/mom-is-on-medicaid-what-happens-if-we-sell-her-house/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-dad-pay-me-to-give-him-full-time-care/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-my-documents-reflect-my-transgender-childs-new-name/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-get-reimbursed-for-expenses-as-my-brothers-dpoa/</loc>
		<lastmod>2023-06-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-fraud-prevention-week-avoiding-health-care-scams/</loc>
		<lastmod>2023-06-08T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/cms-medicare-will-soon-cover-certain-alzheimers-treatments/</loc>
		<lastmod>2023-06-09T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/agencies-that-inspect-nursing-homes-face-staffing-crisis/</loc>
		<lastmod>2023-06-14T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-you-need-a-hipaa-release/</loc>
		<lastmod>2023-06-15T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/3-common-probate-questions-estate-planning-basics/</loc>
		<lastmod>2023-06-17T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-have-my-dad-moved-from-one-nursing-home-to-another/</loc>
		<lastmod>2023-06-22T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-social-security-has-doubled-will-i-be-cut-off-medicaid/</loc>
		<lastmod>2023-06-22T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-dads-in-long-term-care-can-the-state-take-his-house/</loc>
		<lastmod>2023-06-22T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-the-usual-cost-annually-for-maintaining-a-trust/</loc>
		<lastmod>2023-06-22T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/were-selling-moms-house-does-she-receive-proceeds/</loc>
		<lastmod>2023-06-22T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-my-mother-pays-off-my-mortgage-do-i-pay-taxes-on-that/</loc>
		<lastmod>2023-06-22T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/modifying-an-irrevocable-trust-through-trust-decanting/</loc>
		<lastmod>2023-06-23T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/supreme-court-preserves-right-to-sue-public-nursing-homes/</loc>
		<lastmod>2023-06-24T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-you-need-a-spendthrift-trust/</loc>
		<lastmod>2023-07-06T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-medicare-flex-card/</loc>
		<lastmod>2023-07-06T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-extra-help-program-set-to-expand-in-2024/</loc>
		<lastmod>2023-07-06T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-if-you-lose-your-medicaid-coverage/</loc>
		<lastmod>2023-07-07T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/lady-bird-deeds-a-different-kind-of-life-estate/</loc>
		<lastmod>2023-07-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-my-mother-name-me-her-power-of-attorney/</loc>
		<lastmod>2023-07-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/i-have-shared-durable-poa-for-my-mom-how-do-i-terminate-it/</loc>
		<lastmod>2023-07-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-need-to-pay-fair-market-value-for-my-parents-cottage/</loc>
		<lastmod>2023-07-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dads-on-medicaid-can-he-add-me-to-the-title-of-his-car/</loc>
		<lastmod>2023-07-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-dad-pay-capital-gains-if-he-sells-his-seasonal-home/</loc>
		<lastmod>2023-07-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-hospital-discharge-dad-if-he-cant-care-for-himself/</loc>
		<lastmod>2023-07-08T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/national-retirement-risk-index-many-to-fall-short-of-goals/</loc>
		<lastmod>2023-07-11T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/home-health-services-underutilized-by-seniors-study-shows/</loc>
		<lastmod>2023-07-12T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-are-the-drawbacks-of-naming-beneficiaries/</loc>
		<lastmod>2023-07-13T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-georgias-new-medicaid-program-may-impact-you/</loc>
		<lastmod>2023-07-14T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/mitigating-the-impacts-sunsetting-the-tax-cuts-and-jobs-act/</loc>
		<lastmod>2023-07-18T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/rsv-vaccine-options-for-us-seniors-to-become-available/</loc>
		<lastmod>2023-07-18T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/am-i-entitled-to-my-late-brothers-will-and-other-documents/</loc>
		<lastmod>2023-07-18T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-mom-have-to-put-her-property-back-into-her-name/</loc>
		<lastmod>2023-07-18T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-we-have-to-restart-the-5-year-medicaid-lookback-period/</loc>
		<lastmod>2023-07-18T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-change-property-in-my-late-husbands-name-to-my-name/</loc>
		<lastmod>2023-07-18T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-no-surprises-act-may-help-with-unexpected-medical-bills/</loc>
		<lastmod>2023-07-20T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/inherited-retirement-accounts-minimizing-tax-consequences/</loc>
		<lastmod>2023-07-25T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-happens-when-one-party-on-a-property-deed-has-dementia/</loc>
		<lastmod>2023-07-26T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-opt-not-to-move-to-assisted-living-with-my-spouse/</loc>
		<lastmod>2023-07-26T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-my-mom-need-to-divorce-before-applying-for-medicaid/</loc>
		<lastmod>2023-07-26T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/11-things-you-can-do-online-via-the-social-security-website/</loc>
		<lastmod>2023-07-27T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-gun-trust-estate-planning-qa/</loc>
		<lastmod>2023-07-28T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/otc-hearing-aids-prevent-dementia/</loc>
		<lastmod>2023-08-03T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/ashes-to-ashes-or-soil-to-soil-is-human-composting-real/</loc>
		<lastmod>2023-08-04T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-changes-in-the-student-loan-landscape-may-affect-you/</loc>
		<lastmod>2023-08-08T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/remaining-social-promotes-health-in-older-adults/</loc>
		<lastmod>2023-08-09T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-happens-to-the-items-i-bought-to-qualify-for-medicaid/</loc>
		<lastmod>2023-08-10T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-gift-cards-considered-gifts-when-it-comes-to-medicaid/</loc>
		<lastmod>2023-08-11T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-poa-keep-friends-from-seeing-you-when-in-a-nursing-home/</loc>
		<lastmod>2023-08-11T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-keep-the-house-and-get-paid-if-i-cared-for-my-mom/</loc>
		<lastmod>2023-08-11T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-be-reimbursed-for-moms-assisted-living-rent/</loc>
		<lastmod>2023-08-11T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-do-when-social-security-overpays/</loc>
		<lastmod>2023-08-12T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2023-on-senior-health-report-the-good-the-bad-and-the-ugly/</loc>
		<lastmod>2023-08-15T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/your-will-can-protect-your-children-with-disabilities/</loc>
		<lastmod>2023-08-17T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/selling-your-life-insurance-policy-to-help-cover-expenses/</loc>
		<lastmod>2023-08-18T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-you-use-a-medical-credit-card/</loc>
		<lastmod>2023-08-22T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/prior-authorization-why-is-it-holding-up-my-medical-care/</loc>
		<lastmod>2023-08-24T12:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dual-eligible-special-needs-plans-are-they-right-for-you/</loc>
		<lastmod>2023-08-29T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-know-about-probate-estate-planning-basics/</loc>
		<lastmod>2023-08-29T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/3-tips-for-prepping-for-medicare-annual-enrollment-2023/</loc>
		<lastmod>2023-08-31T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-part-d-enrollees-may-pay-less-for-these-10-drugs/</loc>
		<lastmod>2023-08-31T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-role-of-assisted-living-facility-staff/</loc>
		<lastmod>2023-09-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-my-poa-valid-if-there-is-also-another-earlier-poa/</loc>
		<lastmod>2023-09-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-making-donations-make-mom-ineligible-for-medicaid/</loc>
		<lastmod>2023-09-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/mom-wont-stop-driving-am-i-liable-if-theres-an-accident/</loc>
		<lastmod>2023-09-07T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-for-surviving-spouses/</loc>
		<lastmod>2023-09-08T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-better-staffing-help-your-loved-one-in-long-term-care/</loc>
		<lastmod>2023-09-09T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/notarizing-documents-for-seniors-with-a-dementia-diagnosis/</loc>
		<lastmod>2023-09-12T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-i-be-joint-owner-of-my-sisters-checking-account/</loc>
		<lastmod>2023-09-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-force-my-mother-in-law-into-a-memory-care-facility/</loc>
		<lastmod>2023-09-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-my-moms-nursing-home-get-her-certificates-of-deposit/</loc>
		<lastmod>2023-09-13T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/reducing-the-risk-of-a-family-fight-in-probate-court/</loc>
		<lastmod>2023-09-15T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/trips-for-seniors-travel-tips-for-you-and-your-companions/</loc>
		<lastmod>2023-09-20T12:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-alzheimers-disease-be-prevented/</loc>
		<lastmod>2023-09-21T12:15:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-your-financial-information-in-order/</loc>
		<lastmod>2023-09-23T12:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/feds-ease-enrollment-process-for-medicare-savings-programs/</loc>
		<lastmod>2023-09-23T12:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-does-incapacitated-mean-in-elder-law-estate-planning/</loc>
		<lastmod>2023-09-27T12:15:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/pay-monthly-for-medicare-part-d-prescriptions-come-2025/</loc>
		<lastmod>2023-09-28T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-nursing-home-arbitration-agreements/</loc>
		<lastmod>2023-10-03T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/6-ways-the-sandwich-generation-can-plan-for-the-future/</loc>
		<lastmod>2023-10-03T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-dad-qualify-for-medicaid-if-mom-owns-rental-property/</loc>
		<lastmod>2023-10-03T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-go-about-putting-my-parents-house-in-my-name/</loc>
		<lastmod>2023-10-03T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-an-independent-living-facility-right-for-me/</loc>
		<lastmod>2023-10-06T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-request-all-of-my-medical-records/</loc>
		<lastmod>2023-10-07T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/no-one-will-help-me-care-for-my-grandfather-what-do-i-do/</loc>
		<lastmod>2023-10-07T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-a-poa-still-valid-if-i-moved-to-another-state/</loc>
		<lastmod>2023-10-07T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-are-veterans-death-benefits/</loc>
		<lastmod>2023-10-11T12:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-will-your-2024-social-security-benefits-look-like/</loc>
		<lastmod>2023-10-13T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-a-polst-be-part-of-your-care-plan/</loc>
		<lastmod>2023-10-13T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-part-b-premiums-deductibles-going-back-up-in-2024/</loc>
		<lastmod>2023-10-14T12:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-elder-abuse-elder-law-qa/</loc>
		<lastmod>2023-10-17T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-financial-companies-refuse-to-honor-my-parents-dpoa/</loc>
		<lastmod>2023-10-19T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-dads-assisted-living-facility-give-away-his-bed/</loc>
		<lastmod>2023-10-19T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-medicaid-recover-assets-if-application-wasnt-okd/</loc>
		<lastmod>2023-10-19T12:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-consider-when-enrolling-in-medicare-part-d-for-2024/</loc>
		<lastmod>2023-10-24T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/most-us-workers-say-they-will-file-for-social-security-early/</loc>
		<lastmod>2023-10-24T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-know-about-creating-a-living-will/</loc>
		<lastmod>2023-10-24T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-can-mom-qualify-for-medicaid-if-she-gifts-her-property/</loc>
		<lastmod>2023-10-25T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-the-lifeline-program/</loc>
		<lastmod>2023-10-28T12:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/using-a-qtip-trust-in-estate-planning/</loc>
		<lastmod>2023-11-01T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/instacart-to-help-older-adults-address-food-insecurity/</loc>
		<lastmod>2023-11-01T12:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-my-end-of-life-care-plan-include-a-death-doula/</loc>
		<lastmod>2023-11-08T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/10-ways-to-maximize-your-social-security-retirement-benefits/</loc>
		<lastmod>2023-11-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/deceptive-ads-are-affecting-seniors-seeking-medicare-plans/</loc>
		<lastmod>2023-11-14T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2024-standard-protections-for-spouses-of-medicaid-applicants/</loc>
		<lastmod>2023-11-15T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2024-annual-gift-and-estate-tax-exemption-adjustments/</loc>
		<lastmod>2023-11-16T13:15:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/baby-boomers-inheritance-conversations-with-your-children/</loc>
		<lastmod>2023-11-17T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-the-difference-between-palliative-and-hospice-care/</loc>
		<lastmod>2023-11-21T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/14-essential-questions-to-ask-aging-parents-this-holiday/</loc>
		<lastmod>2023-11-23T13:15:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/survey-uncovers-caregiver-support-needs-possible-solutions/</loc>
		<lastmod>2023-11-23T13:15:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-us-suicide-rate-highest-among-older-men/</loc>
		<lastmod>2023-12-02T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/recognizing-malnutrition-in-older-adults/</loc>
		<lastmod>2023-12-02T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-caregiver-duties-help-older-women-live-longer/</loc>
		<lastmod>2023-12-05T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-guardian-block-their-ward-from-attending-church/</loc>
		<lastmod>2023-12-06T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-one-state-accept-my-poa-approved-by-another-state/</loc>
		<lastmod>2023-12-06T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-divide-sale-of-our-house-equally-between-two-sons/</loc>
		<lastmod>2023-12-06T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-foreclosing-on-my-parents-house-affect-their-medicaid/</loc>
		<lastmod>2023-12-06T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-the-current-and-future-state-of-estate-planning/</loc>
		<lastmod>2023-12-07T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-years-resolution-get-that-estate-plan-done/</loc>
		<lastmod>2023-12-13T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-you-a-family-caregiver-new-bill-seeks-to-lower-costs/</loc>
		<lastmod>2023-12-15T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-resign-my-role-as-a-power-of-attorney-poa/</loc>
		<lastmod>2023-12-19T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/reasons-veterans-miss-out-on-veteran-disability-benefits/</loc>
		<lastmod>2023-12-20T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-should-i-divide-my-assets-equally/</loc>
		<lastmod>2023-12-21T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-can-i-get-my-siblings-to-let-me-read-my-moms-will/</loc>
		<lastmod>2023-12-21T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-the-state-take-property-to-pay-for-nursing-home-care/</loc>
		<lastmod>2023-12-21T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-trustees-deliberately-keep-assets-from-beneficiaries/</loc>
		<lastmod>2023-12-21T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-does-the-court-decide-a-guardian-is-unfit/</loc>
		<lastmod>2023-12-21T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-have-a-special-needs-trust-if-i-am-not-disabled/</loc>
		<lastmod>2023-12-21T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-dpoa-change-how-inherited-ira-distributions-are-made/</loc>
		<lastmod>2023-12-21T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-siblings-have-equal-responsibility-to-care-for-parents/</loc>
		<lastmod>2023-12-21T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-the-housing-crisis-affects-older-adults/</loc>
		<lastmod>2023-12-27T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/retirees-deduct-your-long-term-care-insurance-premium/</loc>
		<lastmod>2023-12-29T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/which-states-have-the-best-protections-against-elder-abuse/</loc>
		<lastmod>2024-01-04T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-planning-protects-your-home/</loc>
		<lastmod>2024-01-05T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-benefits-2024-5-positive-changes-for-seniors/</loc>
		<lastmod>2024-01-06T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-life-insurance-proceeds-affect-medicaid-approval/</loc>
		<lastmod>2024-01-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-are-capital-gains-treated-in-the-sale-of-a-life-estate/</loc>
		<lastmod>2024-01-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-remove-a-beneficiary-from-an-irrevocable-trust/</loc>
		<lastmod>2024-01-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-do-i-do-with-leftover-funds-after-paying-nursing-home-bills/</loc>
		<lastmod>2024-01-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-home-equity-loans-for-repairs-affect-medicaid-benefits/</loc>
		<lastmod>2024-01-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-if-i-cant-be-a-caregiver-and-mom-refuses-a-facility/</loc>
		<lastmod>2024-01-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-someone-with-early-stage-alzheimers-need-memory-care/</loc>
		<lastmod>2024-01-09T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-jointly-owned-homes-protected-from-medicaid-spend-down/</loc>
		<lastmod>2024-01-10T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-redetermination-in-one-state-many-didnt-renew/</loc>
		<lastmod>2024-01-10T13:15:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/few-medicare-enrollees-receive-meds-for-opioid-use-disorder/</loc>
		<lastmod>2024-01-12T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-paid-creative-workers-in-nursing-homes-need-insurance/</loc>
		<lastmod>2024-01-12T13:15:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-co-signing-a-lease-will-i-be-required-to-pay-rent/</loc>
		<lastmod>2024-01-12T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-seniors-guide-to-estate-planning/</loc>
		<lastmod>2024-01-13T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/avoiding-property-tax-foreclosures-for-older-adults/</loc>
		<lastmod>2024-01-18T13:15:14+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/is-a-trust-valid-when-a-trustee-moves-to-another-state/</loc>
		<lastmod>2024-01-19T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-nursing-homes-redirect-ssi-checks-to-their-facility/</loc>
		<lastmod>2024-01-19T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-dementia-diagnosis-be-reversed/</loc>
		<lastmod>2024-01-19T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicaid-cover-the-cost-of-cremation/</loc>
		<lastmod>2024-01-19T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-family-caregivers-entitled-to-leftover-ssi-payments/</loc>
		<lastmod>2024-01-19T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-florida-residents-use-ohio-attorneys-to-notarize-a-poa/</loc>
		<lastmod>2024-01-19T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-does-medicaid-treat-a-home-jointly-owned-by-family/</loc>
		<lastmod>2024-01-19T13:15:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-i-maintain-a-property-likely-to-be-taken-by-medicaid/</loc>
		<lastmod>2024-01-19T13:15:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-maid-medical-aid-in-dying/</loc>
		<lastmod>2024-01-27T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/good-news-for-medicare-advantage-medicaid-patients-in-2026/</loc>
		<lastmod>2024-01-27T13:15:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/states-with-the-highest-and-lowest-assisted-living-costs/</loc>
		<lastmod>2024-02-01T13:15:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/40-of-people-say-they-dont-have-enough-to-make-a-will/</loc>
		<lastmod>2024-02-01T13:15:15+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-rules-going-to-a-nursing-home-in-another-state/</loc>
		<lastmod>2025-05-08T02:50:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-long-term-care-spousal-impoverishment-rules/</loc>
		<lastmod>2025-05-08T02:50:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/where-can-i-find-a-form-to-contest-guardianship/</loc>
		<lastmod>2025-05-08T02:50:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-beneficiary-exclude-executor-and-others-from-meetings/</loc>
		<lastmod>2025-05-08T02:50:12+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-spousal-retirement-benefits-less-if-i-remarry-too-soon/</loc>
		<lastmod>2025-05-08T02:50:13+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-gift-my-home-to-my-grandchild-over-a-period-of-years/</loc>
		<lastmod>2024-02-01T13:15:16+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-i-have-to-pay-capital-gains-on-my-mothers-property/</loc>
		<lastmod>2025-05-08T02:50:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-medicaid-facility-evict-over-spent-home-sale-proceeds/</loc>
		<lastmod>2025-05-08T02:50:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-a-health-care-poa-sign-a-medicaid-application/</loc>
		<lastmod>2025-05-08T02:50:11+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/navigating-disputes-in-probate-court/</loc>
		<lastmod>2025-05-08T02:50:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/a-patient-advocate-can-support-your-health-care-journey/</loc>
		<lastmod>2025-05-08T02:50:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-spend-down-pay-for-more-than-just-medical-bills/</loc>
		<lastmod>2025-05-08T02:50:10+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/hud-housing-programs-that-support-aging-in-place/</loc>
		<lastmod>2025-05-08T02:50:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-does-a-probate-attorney-represent-executor-or-heirs/</loc>
		<lastmod>2025-05-08T02:50:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-my-social-security-benefits-change-if-i-am-now-injured/</loc>
		<lastmod>2025-05-08T02:50:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/i-inherited-property-will-i-pay-capital-gains-tax/</loc>
		<lastmod>2025-05-08T02:50:09+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-find-out-if-my-dad-had-assets-in-another-state/</loc>
		<lastmod>2025-05-08T02:50:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/older-adults-are-failing-at-retirement-planning-study-shows/</loc>
		<lastmod>2025-05-08T02:50:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/ai-and-obituaries-did-ai-write-this-death-announcement/</loc>
		<lastmod>2025-05-08T02:50:08+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/11-questions-to-ask-your-elder-law-attorney/</loc>
		<lastmod>2025-05-08T02:50:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-i-owe-capital-gains-on-my-share-of-my-late-fathers-home/</loc>
		<lastmod>2025-05-08T02:50:07+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-pays-credit-card-debt-if-ones-only-asset-was-a-home/</loc>
		<lastmod>2025-05-08T02:50:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/financial-planning-high-net-worth-wealth-transfer-to-heirs/</loc>
		<lastmod>2025-05-08T02:50:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-loneliness-epidemic-helping-seniors-make-connections/</loc>
		<lastmod>2025-05-08T02:50:05+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/health-care-highlights-from-bidens-state-of-the-union/</loc>
		<lastmod>2025-05-08T02:50:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/securely-storing-your-legal-documents/</loc>
		<lastmod>2025-05-08T02:50:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/seniors-and-caregivers-establish-an-emergency-action-plan/</loc>
		<lastmod>2025-05-08T02:50:04+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/survey-highlights-high-costs-of-long-term-care-in-2023/</loc>
		<lastmod>2025-05-08T02:50:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-my-mom-was-a-victim-of-undue-influence-what-do-i-do/</loc>
		<lastmod>2025-05-08T02:50:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-medicaid-take-moms-life-insurance-from-me/</loc>
		<lastmod>2025-05-08T02:50:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/5-ways-to-update-your-estate-plan-after-a-gray-divorce/</loc>
		<lastmod>2025-05-08T02:50:03+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/could-medicaid-payback-rules-come-to-an-end/</loc>
		<lastmod>2025-05-08T02:50:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-my-91-year-old-mom-buy-a-home-for-her-and-me/</loc>
		<lastmod>2025-05-08T02:50:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-get-a-home-equity-loan-on-my-moms-condo/</loc>
		<lastmod>2025-05-08T02:50:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-legal-documents-do-we-need-when-dad-moves-in/</loc>
		<lastmod>2025-05-08T02:50:02+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-nursing-home-release-resident-to-someone-who-isnt-poa/</loc>
		<lastmod>2025-05-08T02:50:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-do-i-do-about-my-stepsister-who-was-cut-from-the-will/</loc>
		<lastmod>2025-05-08T02:50:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-a-guardian-have-a-say-in-whom-i-choose-to-date/</loc>
		<lastmod>2025-05-08T02:50:01+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/promoting-healthy-aging-during-financial-literacy-month/</loc>
		<lastmod>2025-05-08T02:50:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/claiming-the-guardianship-of-an-elderly-parent/</loc>
		<lastmod>2025-05-08T02:50:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-social-security-overpayment-rules-are-changing/</loc>
		<lastmod>2025-05-08T02:49:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicare-cover-prescription-weight-loss-drugs/</loc>
		<lastmod>2025-05-08T02:50:00+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-get-a-death-certificate-after-a-loved-one-dies/</loc>
		<lastmod>2025-05-08T02:49:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/elder-financial-abuse-how-an-elder-law-attorney-can-help/</loc>
		<lastmod>2025-05-08T02:49:59+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/senators-propose-boosting-seniors-social-security-benefits/</loc>
		<lastmod>2025-05-08T02:49:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/feds-simplify-and-clarify-various-medicaid-rules-for-states/</loc>
		<lastmod>2025-05-08T02:49:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-medicaid-what-does-medicaid-cover/</loc>
		<lastmod>2025-05-08T02:49:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-you-should-know-about-long-term-care/</loc>
		<lastmod>2025-05-08T02:49:58+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/high-school-graduation-a-good-time-for-financial-planning/</loc>
		<lastmod>2025-05-08T02:49:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-guardians-have-a-say-over-what-drugs-their-ward-receives/</loc>
		<lastmod>2025-05-08T02:49:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-i-give-money-to-grandkids-can-the-nursing-home-take-it/</loc>
		<lastmod>2025-05-08T02:49:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-we-face-capital-gains-tax-on-our-sons-home/</loc>
		<lastmod>2025-05-08T02:49:57+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/do-i-have-a-say-in-my-sisters-decisions-about-our-parents/</loc>
		<lastmod>2025-05-08T02:49:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/are-my-assets-protected-if-my-husband-has-to-go-on-medicaid/</loc>
		<lastmod>2025-05-08T02:49:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-bill-targets-growing-the-long-term-caregiving-workforce/</loc>
		<lastmod>2025-05-08T02:49:56+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-homes-must-have-minimum-number-of-staff-say-feds/</loc>
		<lastmod>2025-05-08T02:49:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/probate-process-a-general-timeline/</loc>
		<lastmod>2025-05-08T02:49:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/elder-financial-abuse-by-family-caregivers/</loc>
		<lastmod>2025-05-08T02:49:55+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/7-things-to-know-about-living-wills/</loc>
		<lastmod>2025-05-08T02:49:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-rental-assistance-rule-may-open-benefits-to-more-seniors/</loc>
		<lastmod>2025-05-08T02:49:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicare-cover-acupuncture-and-chiropractic-care/</loc>
		<lastmod>2025-05-08T02:49:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-contingent-beneficiary/</loc>
		<lastmod>2025-05-08T02:49:54+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/blended-families-and-wills-in-estate-planning/</loc>
		<lastmod>2025-05-08T02:49:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/in-home-senior-care-technology-and-elder-law/</loc>
		<lastmod>2025-05-08T02:49:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-costs-of-the-rising-cost-of-long-term-care/</loc>
		<lastmod>2025-05-08T02:49:53+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-you-should-know-about-the-medicare-tax/</loc>
		<lastmod>2025-05-08T02:49:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-im-a-co-signer-on-a-mortgage-does-that-affect-medicaid/</loc>
		<lastmod>2025-05-08T02:49:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-we-freeze-my-sister-in-laws-assets-with-a-poa/</loc>
		<lastmod>2025-05-08T02:49:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/gift-of-home-equity-what-it-is-and-how-it-works/</loc>
		<lastmod>2025-05-08T02:49:52+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-trusts-are-important-estate-planning-tools/</loc>
		<lastmod>2025-05-08T02:49:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/dads-in-a-nursing-home-my-nieces-wont-leave-his-house/</loc>
		<lastmod>2025-05-08T02:49:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-get-paid-for-being-my-father-in-laws-caregiver/</loc>
		<lastmod>2025-05-08T02:49:51+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/would-someone-be-medicaid-eligible-in-this-scenario/</loc>
		<lastmod>2025-05-08T02:49:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-life-insurance-is-involved-in-estate-planning/</loc>
		<lastmod>2025-05-08T02:49:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/avoid-guardianship-with-a-durable-power-of-attorney/</loc>
		<lastmod>2025-05-08T02:49:50+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/study-links-credit-scores-and-alzheimers-disease-in-seniors/</loc>
		<lastmod>2025-05-08T02:49:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-shows-spectrum-of-needs-among-older-americans/</loc>
		<lastmod>2025-05-08T02:49:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/nursing-home-eviction-after-youve-been-in-the-hospital/</loc>
		<lastmod>2025-05-08T02:49:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-new-husbands-ex-ever-access-my-money/</loc>
		<lastmod>2025-05-08T02:49:49+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-medicaid-deny-an-applicant-if-i-dont-have-some-records/</loc>
		<lastmod>2025-05-08T02:49:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-for-entrepreneurs-and-business-owners/</loc>
		<lastmod>2025-05-08T02:49:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-old-do-you-have-to-be-to-get-medicare/</loc>
		<lastmod>2025-05-08T02:49:48+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/voting-rights-for-people-with-cognitive-impairment/</loc>
		<lastmod>2025-05-08T02:49:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/proposed-medicare-bill-to-help-seniors-with-medical-costs/</loc>
		<lastmod>2025-05-08T02:49:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-does-medicaid-estate-recovery-apply/</loc>
		<lastmod>2025-05-08T02:49:47+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-my-spouses-ex-make-him-give-her-access-to-his-accounts/</loc>
		<lastmod>2025-05-08T02:49:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-selling-a-co-owned-car-affect-medicaid-long-term-care/</loc>
		<lastmod>2025-05-08T02:49:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-resign-from-a-power-of-attorney/</loc>
		<lastmod>2025-05-08T02:49:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-calculate-spousal-impoverishment-numbers/</loc>
		<lastmod>2025-05-08T02:49:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-beneficiaries-find-out-someone-is-contesting-a-will/</loc>
		<lastmod>2025-05-08T02:49:46+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/mom-doesnt-have-an-estate-plan-how-do-we-manage-her-money/</loc>
		<lastmod>2025-05-08T02:49:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-planning-for-americas-aging-population/</loc>
		<lastmod>2025-05-08T02:49:45+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/7-common-inheritance-mistakes-to-avoid/</loc>
		<lastmod>2025-05-08T02:49:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/proper-estate-planning-reduces-issues-of-probate/</loc>
		<lastmod>2025-05-08T02:49:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-do-i-find-out-if-my-sibling-has-poa-over-my-mom/</loc>
		<lastmod>2025-05-08T02:49:44+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-to-find-a-doctor-if-yours-has-left-your-health-plan/</loc>
		<lastmod>2025-05-08T02:49:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/my-social-security-transitions-to-logingov/</loc>
		<lastmod>2025-05-08T02:49:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-older-adults-can-stay-safe-during-heat-waves/</loc>
		<lastmod>2025-05-08T02:49:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/planning-for-cognitive-impairment-and-preventing-elder-abuse/</loc>
		<lastmod>2025-05-08T02:49:43+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicare-cover-shingles-vaccines/</loc>
		<lastmod>2025-05-08T02:49:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-finalizes-10-year-rmd-rules-for-inherited-iras/</loc>
		<lastmod>2025-05-08T02:49:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/hoarding-disorder-in-older-adults-challenges-and-resources/</loc>
		<lastmod>2025-05-08T02:49:42+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2024-election-harris-trump-on-social-security-and-medicare/</loc>
		<lastmod>2025-05-08T02:49:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/does-medicare-cover-hearing-aids/</loc>
		<lastmod>2025-05-08T02:49:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/where-do-i-start-to-become-a-caregiver-for-my-widowed-mom/</loc>
		<lastmod>2025-05-08T02:49:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-moms-old-nursing-home-keep-her-social-security/</loc>
		<lastmod>2025-05-08T02:49:41+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-estate-recovery-be-stopped-very-late-in-the-process/</loc>
		<lastmod>2025-05-08T02:49:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-all-dads-income-have-to-go-to-the-nursing-facility/</loc>
		<lastmod>2025-05-08T02:49:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-needs-a-trust-instead-of-a-will/</loc>
		<lastmod>2025-05-08T02:49:40+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-open-enrollment-and-new-benefits-are-on-the-way/</loc>
		<lastmod>2025-05-08T02:49:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-know-about-rolling-a-529-account-into-a-roth-ira/</loc>
		<lastmod>2025-05-08T02:49:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/qualified-medicare-beneficiary-qmb-program-a-2024-update/</loc>
		<lastmod>2025-05-08T02:49:39+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/cybersecurity-awareness-month-maintain-your-online-safety/</loc>
		<lastmod>2025-05-08T02:49:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/will-my-niece-will-be-without-financial-support/</loc>
		<lastmod>2025-05-08T02:49:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/moms-on-medicaid-can-she-use-home-equity-loan-to-buy-car/</loc>
		<lastmod>2025-05-08T02:49:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/if-we-sell-moms-home-will-she-lose-medicare-and-medicaid/</loc>
		<lastmod>2025-05-08T02:49:38+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/an-elder-care-lawyer-can-help-you-get-medicaid-home-care/</loc>
		<lastmod>2025-05-08T02:49:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/healthier-living-for-seniors-through-adult-day-services/</loc>
		<lastmod>2025-05-08T02:49:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-raising-the-social-security-retirement-age-would-mean/</loc>
		<lastmod>2025-05-08T02:49:37+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-creditors-take-moms-home-for-her-credit-card-debt/</loc>
		<lastmod>2025-05-08T02:49:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-i-spend-down-my-assets-before-applying-for-medicaid/</loc>
		<lastmod>2025-05-08T02:49:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/inheritance-tax-what-states-have-it-and-when-it-applies/</loc>
		<lastmod>2025-05-08T02:49:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/your-social-security-benefits-for-2025-cola-update/</loc>
		<lastmod>2025-05-08T02:49:36+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2024-election-where-harris-trump-stand-on-elder-caregiving/</loc>
		<lastmod>2025-05-08T02:49:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-checklist-5-initial-steps-you-can-take/</loc>
		<lastmod>2025-05-08T02:49:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-older-americans-act-is-up-for-renewal-why-that-matters/</loc>
		<lastmod>2025-05-08T02:49:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-mom-fire-her-durable-power-of-attorney/</loc>
		<lastmod>2025-05-08T02:49:35+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-coverage-for-telehealth-services-in-2025-and-beyond/</loc>
		<lastmod>2025-05-08T02:49:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-announces-2025-gift-and-estate-tax-exemptions/</loc>
		<lastmod>2025-05-08T02:49:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/virtual-reality-and-palliative-care/</loc>
		<lastmod>2025-05-08T02:49:34+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/exploring-new-treatments-for-dementia-without-medication/</loc>
		<lastmod>2025-05-08T02:49:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-i-buy-a-foreclosure-if-owner-is-now-in-nursing-home/</loc>
		<lastmod>2025-05-08T02:49:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/why-wont-attorney-let-me-see-the-trust/</loc>
		<lastmod>2025-05-08T02:49:33+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/who-pays-nursing-home-during-the-lookback-period/</loc>
		<lastmod>2025-05-08T02:49:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-great-wealth-transfer-managing-your-inheritance-wisely/</loc>
		<lastmod>2025-05-08T02:49:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicare-costs-to-rise-again-in-2025/</loc>
		<lastmod>2025-05-08T02:49:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/irs-request-an-ip-pin-to-protect-against-identity-theft/</loc>
		<lastmod>2025-05-08T02:49:32+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/unpaid-family-caregiving-is-worth-a-six-figure-salary/</loc>
		<lastmod>2025-05-08T02:49:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/medicaid-applicants-protecting-your-healthy-spouse-in-2025/</loc>
		<lastmod>2025-05-08T02:49:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/am-i-liable-if-my-mom-lives-alone-against-doctors-orders/</loc>
		<lastmod>2025-05-08T02:49:31+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-i-transfer-moms-medicaid-to-another-state/</loc>
		<lastmod>2025-05-08T02:49:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/can-money-buy-happiness-actually-it-depends/</loc>
		<lastmod>2025-05-08T02:49:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-romance-scams-affect-older-adults/</loc>
		<lastmod>2025-05-08T02:49:30+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-makes-a-good-nursing-home-10-points-to-consider/</loc>
		<lastmod>2025-05-08T02:49:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/deducting-long-term-care-insurance-premiums-in-2025/</loc>
		<lastmod>2025-05-08T02:49:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/etteett/</loc>
		<lastmod>2025-05-08T02:49:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/understanding-medicaids-long-term-care-spousal-impoverishment-rules/</loc>
		<lastmod>2025-05-08T02:49:29+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/avoiding-4-main-obstacles-to-digital-era-estate-planning/</loc>
		<lastmod>2025-05-08T02:49:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/staying-safe-in-winter-weather-tips-for-older-adults/</loc>
		<lastmod>2025-05-08T02:49:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-to-know-about-medicare-annual-wellness-visits/</loc>
		<lastmod>2025-05-08T02:49:28+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/what-is-a-family-limited-partnership-and-should-i-form-one/</loc>
		<lastmod>2025-05-08T02:49:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/support-for-family-caregiving-gains-momentum/</loc>
		<lastmod>2025-05-08T02:49:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-social-security-fairness-act-will-it-affect-you/</loc>
		<lastmod>2025-05-08T02:49:27+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-law-supports-home-care-caregivers-for-military-veterans/</loc>
		<lastmod>2025-05-08T02:49:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/four-key-medicare-2025-changes-you-need-to-know/</loc>
		<lastmod>2025-05-08T02:49:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/protecting-your-parents-assets-from-nursing-home-costs/</loc>
		<lastmod>2025-05-08T02:49:26+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/when-why-and-how-to-talk-about-end-of-life-care/</loc>
		<lastmod>2025-05-08T02:49:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/transfer-on-death-accounts-a-useful-estate-planning-tool/</loc>
		<lastmod>2025-05-08T02:49:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/estate-planning-in-the-face-of-natural-disasters/</loc>
		<lastmod>2025-05-08T02:49:25+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/recognizing-elder-abuse-and-retaliation-in-long-term-care/</loc>
		<lastmod>2025-05-08T02:49:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/proper-retirement-planning-avoids-underestimating-care-costs/</loc>
		<lastmod>2025-05-08T02:49:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/green-burials-eternal-reefs-and-your-estate-plan/</loc>
		<lastmod>2025-05-08T02:49:24+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/home-safety-for-aging-in-place-a-guide-for-older-adults/</loc>
		<lastmod>2025-05-08T02:49:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/report-americans-overwhelmingly-support-social-security/</loc>
		<lastmod>2025-05-08T02:49:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/wealth-building-with-cryptocurrency-a-generational-divide/</loc>
		<lastmod>2025-05-08T02:49:23+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/wendy-williams-case-shines-spotlight-on-guardianships/</loc>
		<lastmod>2025-05-08T02:49:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/spring-cleaning-for-your-estate-plan-review-and-revise/</loc>
		<lastmod>2025-05-08T02:49:22+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/15-medicare-part-d-drugs-that-should-see-lower-prices-soon/</loc>
		<lastmod>2025-05-08T02:49:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/should-aging-parents-live-with-their-adult-children/</loc>
		<lastmod>2025-05-08T02:49:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/before-you-move-your-parents-to-an-assisted-living-facility/</loc>
		<lastmod>2025-05-08T02:49:21+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-estate-plans-can-help-family-members-avoid-legal-battles/</loc>
		<lastmod>2025-05-08T02:49:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/charitable-remainder-trusts-test-drive-charitable-giving/</loc>
		<lastmod>2025-05-08T02:49:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/how-irs-layoffs-may-affect-your-taxes-and-estate-planning/</loc>
		<lastmod>2025-05-08T02:49:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/the-rise-of-granny-cams-in-long-term-care-facilities/</loc>
		<lastmod>2025-05-08T02:49:20+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/2024-survey-shows-long-term-care-costs-continue-to-rise/</loc>
		<lastmod>2025-05-08T02:49:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/social-security-overpayment-rules-are-changing-once-again/</loc>
		<lastmod>2025-05-08T02:49:19+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/relief-for-supplemental-security-income-recipients-in-2025/</loc>
		<lastmod>2025-05-08T02:49:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/parkinsons-disease-in-older-adults-what-you-need-to-know/</loc>
		<lastmod>2025-05-08T02:49:18+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/new-identity-verification-policy-for-social-security/</loc>
		<lastmod>2025-05-08T02:49:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
	<url>
		<loc>https://www.laboelaw.com/shannen-dohertys-estate-planning-amid-divorce/</loc>
		<lastmod>2025-05-08T02:49:17+00:00</lastmod>
		<changefreq>monthly</changefreq>
		<priority>0.2</priority>
	</url>
</urlset><!-- Request ID: 60e3e5d60aae88484f413c8257f83566; Queries for sitemap: 4; Total queries: 25; Seconds: 0.07; Memory for sitemap: 2MB; Total memory: 22MB -->
