2053 Woodbridge Avenue - Edison, NJ 08817

Friday, July 20, 2007

NJ Laws Newsletter E211 April 18, 2006

In this issue:
1. New Real Estate Services are offered
2. Expungement/Erase criminal charges
3. Long-term care insurance (LTC) to pay nursing home costs
4 New web articles
5. Upcoming charity races: Eden Family 5K is Sunday April 23

1. New Real Estate Services are offered
To better serve our Probate and Senior citizen clients, Kenneth Vercammen has taken and passed the NJ Real Estate Salesperson test. The examination consists of numerous questions taken over a 4 hour period. Mr. Vercammen as a licensed real estate agent, is affiliated with Century 21, Cirri Germain on Amboy Avenue in Edison. Century 21 is one of the largest real estate agencies in the country.
If you will be selling a house, please give Kenneth Vercammen a call. Do not pay a 6% commission, but also don't rely on a 2% agency that merely lists your home on the internet, then expects you to do all the work. www.c21cirrigermain.com.

2. Expungement/Erase criminal charges

If someone has been arrested or even had a private criminal complaint signed against them in the Municipal Court, they have a criminal record, even if the charges were dismissed.
Under NJSA 2C:52-1 et seq. past criminal arrests and convictions can be expunged/ erased under certain instances. We always recommend individuals hire an attorney to obtain an expungement. The process for all expungements are held in the Superior Court. It takes a minimum of three months for the court to grant the expungement. The requirements are very formal. There can be a waiting period between 6 months up to 10 years after the criminal cases is finished.
When retaining the attorney, obtain a "certified disposition" of the court's decision, from the Court itself. Court costs and Legal fees for expungement range from $1,500- $2,500.

3. Long-term care insurance (LTC) to pay nursing home costs
By Ray Pavese & Mike McCormick
Pavese-McCormick Agency, Inc.

Here are a few of the important things to know about long-term
care insurance:

Cost-of-Living Adjustment (COLA):

Make sure your policy provides automatic increases in the maximum
daily benefit to keep up with inflation. This is especially
important if you are likely to have the policy for a while. The
cost of care is going to be much more 10 or 15 years from now
than it is today.

Home Care:

The policy should cover custodial care expenses incurred in your
home. The greater the coverage the better. More and more
professional long-term care services are being provided in the
patient's home. As this trend continues, you'll be happy you
have the coverage when you need it.

No Hospitalization Requirement:

Make sure the policy does not require a hospital stay before the
benefits kick in. More than 60% of nursing home residents aren't
hospitalized prior to being admitted to a long-term care facility.

Benefit Triggers:

The policy should go into effect if you are unable to perform one
or more "activities of daily living" (ADLs.)

Dementia Included:

Make sure your policy provides coverage for "cognitive
impairment," whether it is because of Alzheimer's or some other
form of dementia.

When choosing a long-term care policy, you must consider your
financial situation and whether you can afford the policy you
want/need. If you have any questions about long-term care
insurance, please call our office.

4. Recent cases:
Juvenile Cannot Be Delinquent For Contempt of Court if conduct not prohibited by statute
Weapons seized during defective DV search not admissible in criminal case.

5. Upcoming charity races: Eden Family 5K is Sunday April 23
Just a reminder that the annual Eden Family 5K is Sunday April 23 in Plainsboro [next to South Brunswick] - Kenneth Vercammen is putting together another team!

When you register, write down under the team category- "RVRR Ken V."

Large trophies, Join the Vercammen team as we seek to repeat as team champions Nearly 200 runners and walkers have already signed up for the 5K and 1 mile Fun Run, and we hope that you too will want to participate in this fun and healthful event benefiting children and adults with autism.

RVRR/ Ken V team won the team competition at the Eden 5k in 2004 and 2005.

WHO: The Eden Family of Services, a Princeton-based nonprofit organization providing a comprehensive continuum of life span services to children and adults with autism

WHAT: 5 kilometer road race (runners and walkers welcome!) and 1 mile Fun Run.

WHEN: Sunday, April 23(rain or shine)
• Fun Run: 7:30-8:15 AM – Registration
8:30 AM – Start
• 5K Race: 7:30-8:45 AM – Registration
9:00 AM - Start

WHERE: Doral Forrestal Conference Center & Spa
100 College Road East, Plainsboro [next to South Brunswick] Princeton, NJ

WHY: Provides runners, walkers, families, sponsors and others the opportunity to support Eden’s mission while also enjoying the camaraderie and friendly competition of a 5K race

FEATURES: 5K road race and 1 mile fun run on a relatively flat, USATF Certified course • Walkers and families welcome! • T-shirts (while they last) • Refreshments • Awards to 5K age-category and group team winners • Door prizes

Race Director: Gerard Fennelly

Race Hotline: 609-631-9211 or fennelly@fennelly.com

Thank You! Thank You! Thank You! Thank You!

Thanks to all our clients who graciously referred their family, friends and associates to our agency. We build our firm on your positive comments. We couldn't do it without you!
Referrals are the lifeblood of any business, and there's no better source than you, our clients.


Thank you for reading our newsletter! God Bless America USA #1
Kenneth Vercammen, Esq.
2053 Woodbridge Ave.
Edison, NJ 08817
PHONE 732-572-0500 (Fax) 732-572-0030
website: www.njlaws.com

Speakers Bureau: The NJ State Bar Association established a community Speakers Bureau to provide educational programs to senior clubs, Unions and Middlesex County companies. During the past year, volunteer attorneys have provided Legal Rights Seminars to hundreds of seniors, business owners and their employees, unions, clubs and non-profit groups. If you are interested in having an attorney speak on Wills, Probate or Elder Law at an event, please call my office. These quality daytime educational programs will educate and even entertain. Clubs and companies are invited to schedule a free seminar during business hours.

"Celebrating more than 20 years of providing excellent service to clients 1985-2006"
This newsletter is produced to be sent electronically. If you know someone who would also like to receive this email newsletter, please have them email us at newsletter@njlaws.com.
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Editor's Note and Disclaimer: All materials Copyright 2005. You may pass along the information on the NJ Laws Newsletter and website, provided the name and address of the Law Office is included.
Always schedule an office appointment with an experienced attorney when you have a legal matter. The Rules of Court limit an attorney's ability to discuss matters over the phone. If you have legal questions, you should schedule an in- office consultation.

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