John Hancock’s Announcement Regarding LTC Insurance

John Hancock Life Insurance Co. has recently announced that it will be discontinuing the sales of Individual Long-Term Care (LTC) Insurance. John Hancock was the third largest provider of traditional LTC insurance and is the latest in a long list of insurance companies dropping individual LTC policies from their offerings.

In a memo to its partners and producers, John Hancock states that “the distribution landscape for LTC insurance has shrunk significantly since the peak of the industry in 2002. Today, there are far fewer outlets through which individual LTC insurance is sold, impacting the growth potential of the product.” This and stagnant consumer demand, is ultimately what led to their decision.

There is merely just a handful of companies left who offer LTC insurance. Fortunately there are some asset-based hybrid policies coming available to help fund long-term care. If you would like more information about these types of policies, please contact our office at 408-402-6440 to make an appointment.

Janis Carney: 20 Years of Legal Specialization in Elder Law

Janis Carney has reached a milestone as a certified legal specialist in Elder Law and couldn’t be more proud.California Board of Legal Specialization

20 years strong and there is no slowing down!

What is a California “certified” legal specialist, you ask? The California Bar Association describes this special distinction as “California attorneys who are certified as specialists have taken and passed a written examination in their specialty field, demonstrated a high level of experience in the specialty field, fulfilled ongoing education requirements and been favorably evaluated by other attorneys and judges familiar with their work.

Only these attorneys can advertise or identify themselves as “certified” specialists in California because they are the only attorneys who are certified either by The State Bar of California Board of Legal Specialization or an organization whose certification program has been accredited by the State Bar.”

This is the type of “legal knowledge” and expertise that we are referring to in Our Philosophy. Over the years, Janis Carney has been helping guide clients through the difficult waters that come with aging. Her knowledge, experience, and genuine concern for the overall well-being of her clients and their families is what really sets her apart.

New federal NFA law regarding ownership of guns

The main significant change in the law is that National Firearms Act (NFA) weapons (which are generally banned in California, with only a couple exceptions) must, if owned by a trust, have the “responsible persons” (typically the trustee) file the appropriate forms with the Bureau of Alcohol, Tobacco, Firearms, and Explosives. This change went into effect as of July 13, 2016.

Understanding what is an “NFA” weapon is very complicated, but if it is both an NFA weapon and allowed in California, then clients need to be sure to put it in a gun trust and only let those people who are trustees use the gun. Again, the NFA weapons are fairly limited in California, so this change will not have a huge impact in California.

Janis Carney ranked a Top Attorney by “Super Lawyers” for 11 years!

2016 marks Janis Carney’s 11th year being selected for inclusion as a Top Attorney in the category of Elder Law by “Super Lawyers”, an attorney rating and evaluation service. Janis is proud of the continued recognition as it underlines her professional credentials, legal competency, and overall success as an Elder Law attorney in Northern California.

“Super Lawyers” is a peer rating service that uses a patented multiphase selection process to award attorneys a special designation. Attorneys are nominated by their peers and then evaluated on their professional achievement and peer recognition. Finally, a panel of peers within each primary practice area evaluate the candidates with the highest point totals. The leading 5% of attorneys per state are then named “Super Lawyers”.

To read more about the “Super Lawyers”, click here.

Understanding California’s ‘Right-to-Die Act’…a new seminar

Have you heard about California’s new End-of-Life Option Act?  Do you know what it entails?  If not, this is a seminar you don’t want to miss..

Get ready to learn everything you need to know about this new Act, and the affect it could have on your Estate and Long-term Care Planning.  A new, free informational workshop hosted by local Certified Elder Law Attorney, Janis A. Carney, will be held on May 24, 2016, at 2:30pm at the Saratoga Senior Center.

Titled “Understanding California’s New Right-to-Die Act and its Impact on Estate and Long-term Care Planning,” this program will include an explanation of California’s new Right-to Die Act, clearing up several misconceptions about its use by seniors, when it will become law in California, and what is being done by hospitals and hospice companies to implement it. We will also discuss what can and cannot be included in the senior’s estate and long-term care planning documents about the Act. Finally, we will discuss the financial impact of the Act and options for paying for services under it and other long-term care expenses.

For more info, or to sign-up, CLICK HERE.

New Seminar!



Carney Elder Law invites you to another FREE seminar..

“How To Get And Pay For Quality Long-Term Care At Home, In An Assisted Living Facility, Or Nursing Home..Without Selling Your Home or Leaving Your Family Without a Dime”


Presented by Janis A. Carney, Certified Elder Law Attorney,
with SPECIAL GUEST Don Quante, co-author of Don’t Go Broke In a Nursing Home

Highlights include:
• How to avoid having your life savings wiped out by the costs of long-term care
• What legal documents you need for the second half of life
• The asset protection language that most people don’t have in their power of attorney documents, which can help protect their life’s savings
• Veteran’s benefits that most people know nothing about
• How Medi-Cal works, what it covers, and the steps you need to take now to protect your family
• How to find the right Senior Care Facility and what to expect in the process and when you get there


Thursday, January 28, 2016 at 2:30pm
at the
Alameda Family Funeral & Cremation, Inc.
12341 Saratoga-Sunnyvale Road
Saratoga, CA 95070

Please RSVP by calling us at 408-402-6440 or SIGN UP HERE—->

We look forward to seeing you there!


The law office of Carney Elder Law invites you to another free seminar in our Tuesday Seminar Series

Planning for the Second Half of Life:
9 Things You Must Know

Presented by Janis A. Carney, Certified Elder Law Attorney

Highlights include:
• Paying for long-term care and how to avoid having your life savings wiped out by a nursing home spend-down and how to protect your spouse from being left impoverished
• How these economic and political times make it imperative that you plan ahead to protect yourself and your spouse
• The implications of the Affordable Care Act on your long-term care planning
• What estate planning documents are essential to protect yourself and your family

Tuesday, May 19, 2015 at 2:30 PM
at the
Saratoga Area Senior Center
19655 Allendale Ave
Saratoga, CA 95070

Seating is very limited!
Please RSVP by Monday, May 18, 2015 by calling us at 408-402-6440


Carney Elder Law has moved to a new location!

We are currently open for business, 8:30am-5:00pm, at our new office space at:

19100 Cox Avenue, Suite A

Saratoga, CA 95070

Our new phone number is (408) 402-6440, and our new fax is (408) 402-6444.

Our emails addresses have not changed.