|
|
Be Sure to Check also: |
|
59
Elm Street
Suite 540
New Haven, CT
06510
203-776-4400
Fax: 774-1060
PLANNING
FOR THE ELDERLY IN CONNECTICUT
CONSUMER
LINKS and QUICKIE INFO PAGE - some things updated January 24,
2017 (it's free,
not fancy!)
You can also visit my lawyers' links page for forms, statutes, legal
stuff for professionals.
Best
new thing in the world today (not
that new) (thanks Rachel) is
that you can
ENLARGE THE FONT -- USING YOUR KEYBOARD HIT CTRL AND "+"
key
Then to reduce font size again hit CTRL and "-" key. Note: you'll
be enlarging for all
websites you visit, not just this one -- it stays on til you turn it
off!
| Click
for Lawyer's links |
Click
for Articles |
Click
for main elder law page |
Click
for General Info |
Click
for Nursing Homes |
Click
for Assisted Living and other Institutional Options |
Click
for Home Care and Other Care Resources |
Click
for Medical Care and Info |
Click
for Resources about Estate Planning and Taxes |
|
General
Links and Links on
Benefits, Programs:
|
Organizations
/ Websites of GENERAL INTEREST |
Web address |
| GENERAL:
211ct |
www.211ct.org
-- you can search for lots of topics for consumers including for seniors |
| GENERAL:
CTElderLaw.org |
This
forwards to ctlawhelp, online information maintained by legal services
organizations (consider a donation!): www.CTElderLaw.org |
| GENERAL:
to report abuse: Current link to Ct Dept. of Social Services, Office of Protective Services |
PROTECTIVE
SERVICES: To report cases of suspected abuse, neglect or exploitation,
call the toll-free In State referral line at 1-888-385-4225, Out of
State call Infoline at 1-800-203-1234. After Hours Elder Abuse
Emergencies, In State call Infoline at 211, Out of State call Infoline
at 1-800-203-1234. (I'm tired of the State changing the location for
this information on its website!) |
| AARP |
www.aarp.org |
| Alzheimers
Organization - invaluable source of support, information and programs
for the families of those with Alzheimers. The local
chapter is www.alz.org/ct |
www.alz.org or for the Connecticut
chapter, http://www.alz.org/ct |
| Benefits Checkup pages
from the National Council on Aging
(both take you to the same welcome page) |
www.BenefitsCheckup.org |
| CT CHOICES program - help
choosing supplemental insurance, help with insurance problems. Call a local
agency on aging or check this site |
www.ct.gov/agingservices/cwp/view.asp?a=2511&q=313032 |
| Connecticut
Department of Social Services Services Aging Services Division, State
Unit on Aging Obviously LOTS of stuff here. Includes detailed information on programs for seniors and those with disabilities, the Department's Aging Services Manual, available online, and aging services publications |
www.ctelderlyservices.state.ct.us Click to find the local Area Agency on Aging - the agencies offer all kinds of respite and other services and resources and in some regions operate the home care program for elders. PROTECTIVE SERVICES: To report cases of suspected abuse, neglect or exploitation, call the toll-free In State referral line at 1-888-385-4225, Out of State call Infoline at 1-800-203-1234. After Hours Elder Abuse Emergencies, In State call Infoline at 211, Out of State call Infoline at 1-800-203-1234. (I'm tired of the State changing the location for this information on its website!) |
|
CTElderLaw - consumer-oriented website on a multiplicity of topics for CT elderly |
|
|
CT
Partnership for Long-term Care. |
The Partnership page has a URL too
long to cite -- click
here. |
| H.E.L.P.
- California nonprofit with an array of helpful consumer-oriented
publications. Caution: state-specific information will be
very different than in CT |
www.help4srs.org/ |
|
Disability "help links" on this site - further links to where to find housing, where to find health care, etc. |
|
| Elder
law links on this site -- lots of super-detailed and often technical
information about CT elder law, Medicaid qualification and so forth
including forms and tools. Intended for professionals but
you can too. If it's not here it's probably there (or on the
disability links page) |
www.sharinglaw.net/elder/lawlinks.htm and for CASES of interest on CT elder law: www.sharinglaw.net/elder/keycases.htm |
| Justice in Aging -- formerly National Senior Citizens Law Center | www.justiceinaging.org View free download or purchase Eric Carlson's 20 Common Nursing Home Problems and How to Resolve Them |
|
National Association of Elder Law attorneys: Click on the button that says "find an elder law attorney" |
|
| National
Council on Aging A national nonprofit advocacy group. Includes information about long-term care insurance, Medicare, Medicaid and Medigap insurance and a list of publications for sale. |
http://www.ncoa.org/ |
| Senior Citizens resources on USA.gov | http://www.usa.gov/Topics/Seniors.shtml Developed as a cooperative effort under the aegis of the National Partnership for Reinventing Government and maintained by the Social Security Administration, this site provides access to government services and information covering a wide range of issues (from Social Security to travel tips). You can also sign up for a mailing list. |
|
Social
Security Online - this has gotten progressively more user-friendly but
is a very dense site! |
Facilities
and Home Care:
| Nursing Home Information -- FINDING &
solving PROBLEMS |
|
| PROBLEMS?
In a nursing home? Get information about your rights using the
website of CTElderLaw.org, run
by CT legal services |
www.CTElderLaw.org
(then click on nursing homes) OR go straight to the nursing home page here: |
| PROBLEMS? Also: read more on legal rights and how to argue by getting advice from the National Senior Citizens Law Center on dealing with Nursing Home Problems | View free download or
purchase Eric Carlson's 20 Common Nursing Home Problems and How to Resolve Them |
| PROBLEMS?
Need help with problems at the nursing home? CT's long-term care
ombudsman. Call 1-866-388-1888 or 860-424-5200 (or see website for more) |
http://www.ltcop.state.ct.us/ |
| PROBLEMS? Find
out
about nursing homes at National Consumer Voice for Quality Long-Term
Care (formerly the National Citizens Coalition for Nursing Home
Reform
or NCCNHR) - including a page summarizing nursing home residents
rights. Also for CHOOSING a nursing home -- |
http://www.theconsumervoice.org/. You can order on-line their invaluable publication "Nursing Homes: Getting Good Care There"; Click HERE to get to the publications page -- you can get it in paper or as an ebook. See also Consumer Guide to Choosing a Nursing Home -- PDF |
| FINDING:
Get
the low-down on individual nursing homes from Medicare's "nursing home
compare" page |
www.medicare.gov/NHCompare/home.asp |
| FINDING: Find the cost of nursing home care in your area | https://www.ltcfeds.com
- click
to find "cost of care in your area." You may also get this information for CT by checking the website of the Long-Term Care Partnership, here |
| FINDING: Read the Alzheimer's
association guide on "how to tour a nursing home" |
www.alz.org/alzwa/documents/tour_nursing_home.pdf |
| FINDING: You can't any longer download a Dept. of Public
Health Book on nursing homes -- last update was 2012. You SHOULD
check the licensure to be sure it is what you think it is. |
Check a particular
facility's
licensure
or check for updates at "ct.clic" which checks
licensures. You can also find out the rates by looking at
the CT Partnership
"long-term care in CT" rates (change
year in the urL to get
current year). NOTE: the STATE rate is usually about half
-- much lower. |
| Assisted Living, CCRCs and other
institutional
options |
|
|
FINDING
an
assisted living facility. On most of these sites, it's likely
that a fee must be paid by facilities in order to be listed (or for
referrals through the site), and so not all facilities may be included
in the
survey. There are MANY sites that pretend to help you but
probably don't give you all the information because of this
model. Or, they will tease you and then you only get more
information if you hire a "care advisor." The best of these I've seen
is NewLifeStyles.com. |
(1) My favorite: http://www.newlifestyles.com
-- it seems the most comprehensive and you can tailor your search for
different kinds of facilities. FOR INSTANCE: In CT a "residential
care home" may accept government payments (similar to Medicaid) for
those unable to pay, wehreas for private facilities, this isn't
available. This site lets you search for an "RCH." (2) a guide from Seniorliving.net, an advisory/ counseling company: www.assistedlivinginfo.com (3) a competitor, A Place for Mom, www.aplaceformom.com (4) another, assistedlivingfacilities.org, that seems pretty comprehensive and nonprofit BUT does not seem to include the Benchmark chain! at least, those are listed as "Bal East Haven" etc. instead of "Village at Mariner's Point East Haven" and so it's a little hard to feel it's comprehensive. |
| FINDING: Check out the Consumer Consortium on Assisted Living - you can order "Choosing an Assisted Living Facility: Considerations for Making the Right Decision" - 2nd Edition | www.ccal.org |
|
FINDING: Find an accredited "continuing care retirement community" at the website of the Commission on Accreditation of Rehabilitation Facilities. A ccrc is typically one where there are different levels of care with a "buy-in" payment of some kind that - |
www.carf.org/Consumer.aspx?Content=CCACSearch |
| LEGAL
RIGHTS: If
you're in an assisted living facility and they want you to leave, you
have the same legal rights as any other tenant. Legal Services
may be able to help. They give priority to folks who are over 60. |
Index
to local legal services organizations so you don't have to use the
toll-free number: http://ctlawhelp.org/node/732 Self-help pamphlets: http://ctlawhelp.org/self-help-guides |
| Home care and other kinds of help |
|
|
FINDING
A HELPER: Find a
geriatric care manager, now apparently called an "aging life care
expert" - to help manage and oversee private care but
sometimes also to triage private AND state-funded care. May also help
with placement in a facility. |
Formerly the National Association of Geriatric Care Managers, AGING IN LIFE CARE still helps you find a care manager |
|
HOW TO GET HELP especially
if you qualify for government help, the
CT Home Care Program for Elders (state or federally funded
levels of care). |
www.ct.gov/agingservices/cwp/view.asp?a=2511&q=313032 Check
out the various regional Agencies on Aging: NOTE: For those with
income too high to qualify for the more generous Medicaid waiver Home
Care Program, the one that also allows the spouse to keep more money
(half the assets, with minimums and maximums and the possibility of
keeping it all... see my medicaid
for married people article...) -- you MIGHT need a POOLED
TRUST. Read my article.... The application and referral
form can be downloaded
here. |
|
FINDING PRIVATE SOURCES OF
HOME HEALTH CARE: Same proble as above regarding
searching for assisted living. Beware if the list isn't
comprehensive. |
Use
211ct search tool to find a
CT home care agency: search ct211 |
|
FINDING SENIOR
HOUSING: Get
Dept. of Social Services 2000 "Elderly Housing Directory" - PDF (big
file) |
Click
for the Manual - the link is too long to show! Too bad it is
13 years old (as of this writing). You'll have to do a lot to
update the contact information. |
| WHAT
TO DO IF HIRING: Help on private hiring of caregivers: |
Hiring
Family or Friends as Your Caregiver: A Guide for Adults Needing Care,
(PDF) from Washington State Department of Social and Health Services;
Aging and Disability Services Administration - download |
| WHAT
TO DO IF HIRING: IRS info on household help: |
The IRS says
(read it) that it doesn't matter how you get the person doing the work
-- if you control HOW the work is done, the person is an employee. It's
a tricky area. Social Security, the IRS, and the state labor
department may be involved. If you hire someone through an agency
and complain to the agency if the person doesn't do things right,
probably the person is not an employee. But if you tell the
person what to do every step of the way, probably the person is an
employee. NOT LEGAL ADVICE FROM ME. You can look at IRS publication
926 and read more.. NOTE: home health workers may be
subject to wage and hour laws (such as overtime)unless you follow the
rules with care. |
| WHAT
TO DO IF CAREGIVING: Help on adapting the home to make it safer
for the elderly: |
Download
Agency
on Aging fact sheet on home modifications - PDF |
| Get help with pet expenses: Humane society page (too long to show) | Humane Society page (www.hsus.org) http://www.humanesociety.org/animals/resources/tips/trouble_affording_pet.html |
|
1-800-Wheelchairs.com:
Commercial site selling Bathroom Assistance, Bedroom Products,
Communication Aides, Diabetic Supplies, Lift Chairs, Walkers, Scooters
and of course, Wheelchairs. (NO ENDORSEMENT IMPLIED) |
Medical and
Health or Health Insurance Information:
| FORMS:
The state of Connecticut has FORMS for advanced
directives that let you appoint a health care representative and state
your wishes about end of life care. (1) the forms are so-so, but
they are recognized. In theory in CT we should recognize other
forms e.g. from other states, provided the form is signed in front of 2
witnesses. But it helps to have a local form. (2) Even the state form
is published in various ways -- I think the DSS version is the best.
(3) Lots of attorneys including me will adapt these forms to add things
that haven't been included. For instance: if you have a pacemaker you
may need to add the instruction to turn it off. Here are some sites to
get these forms and find out about the. You should not have to
hire me or some other attorney to do this important document. |
Link
to CTElderLaw.org
information on advanced health care directives including "do it
yourself" forms -- good
to talk to your lawyers or others about these, but don't let that hold
you back from doing this very important document. www.CTElderLaw.org The specific link to this topic: http://ctelderlaw.org/self-help-guides/elder-law/living-wills-estates Click on "court forms" tab -- it's a typo I guess. These forms are from the attorney general's website, but the Aging Services Division of the Dept. of Social Services site has a nicer package. (They also come in spanish), CLICK HERE. If going to another state you may want that state's forms. This site, from Caring Connections, a program of the National Hospice and Palliative Care Organization (NHPCO), www.caringinfo.org, has good forms but they tend to be a lot more pages than is really necessary! Pick your state HERE. |
| Alzheimers
Organization - it goes without saying that this would be a key site for
anyone dealing with a family member with Alzheimers. However, I found
it hard to find local resources and had to navigate a lot of
fundraising info. |
www.alz.org Check the CT chapter here: http://www.alz.org/ct |
| Alzheimer’s Disease Education and Referral
Center (ADEAR), a service of National Institute on Aging.
Has many fact sheets |
http://www.nia.nih.gov/Alzheimers/ Lots of useful information in PDFs you can download including:
|
|
Alzheimer's
Disease Research Center --
lots of information including PDF
definition of Alzheimers |
Center's
page is: http://alzheimer.wustl.edu Alzheimer’s
Association
message boards and chat
rooms: ElderCare Online
Forum: |
| *To repeat: for a host of problems call the CT CHOICES program - they can help with insurance problems. Call a local agency on aging or check this site | www.ct.gov/agingservices/cwp/view.asp?a=2511&q=313032 |
|
National
Institute on Aging publications, etc. (nia.nih.gov) |
Caregiver Guide
|
|
Connecticut
Hospice, Inc. |
|
| CT Insurance Department | You can contact the Insurance Department with problems, also, go directly to the page with Medicare supplemental policy rates in Connecticut; page listing companies that offer them; page with list of CT Partnership policies; page with list of other companies offering LTC policies; page on HMO external appeals; and compilation of insurance regulations |
|
Center
for Medicare Advocacy: FREE assistance, counseling, and help with
appeals of Medicare denials, coverage issues, eligibility issues, they
are the EXPERTS. Consider a donation to this nonprofit. |
|
| Medicare.gov |
Medicare
has really gone all-out to provide user-friendly information here about
Medicare coverage and even treatment. |
|
Various
sites with information about prescription discount cards and
prescription plans. |
www.rxnorth.com (Canadian) |
| Funeral Consumer Alliance of Connecticut | Nonprofit group that surveys funeral homes and provides price information. Order their funeral home survey. |
Estate Planning, Taxes, and Finances: (work in progress)
| Forms: DURABLE POWER OF ATTORNEY **warning to over-eager family members: you can be required to ACCOUNT to the probate court and to a conservator for your actions and held responsible if anything is missing. Nursing homes are eager also to try to hold liable the power of attorney or "agent" for an older person if the older person does not qualify for Medicaid because of what the power of attorney did, or failed to do. DON'T MAKE GIFTS without authority in the document, without the document being signed willingly, AND without consulting a lawyer. Since 7/1/17 you cannot even set up a joint bank account with the person who signed (the "principal") unless the document says so EXPRESSLY. You have a DUTY to try to preserve any "existing estate plan." See my article. |
FORMS: a
durable power of attorney is a very powerful document and you SHOULD
get legal advice. However, there are times when a durable power
of
attorney is an essential tool to help your family members get
access to your records, sign forms etc. for your benefit, and on these
occasions, you should not be held up by the cost and difficulty of
obtaining legal help when time is short. If the benefits outweigh
the
risks of doing so, you can use a do-it-yourself
form on
the website of CTElderLaw.org,
run by Connecticut Legal Services. Read the information!
Much has changed!!
EXERCISE CAUTION This is not legal advice from me NOTE to those coming to CT from
other states: in CT, for a power of attorney to be in "recordable
form," that is, usable to convey title to real estate, it must have 2
witnesses, AND an acknowledgment of a notary or attorney -- some states
such as NY only require the acknowledgment but without 2 witnesses,
this cannot be recorded. |
| Forms: HEALTH CARE
DIRECTIVES, also discussed above. |
The
forms on www.ctelderlaw.org
are from the attorney general's website, but the
Aging Services Division of the Dept. of Social Services
site has a
nicer package. (They also come in spanish), CLICK
HERE. If going to another state you may want that state's forms. This site, from Caring Connections, a program of the National Hospice and Palliative Care Organization (NHPCO), www.caringinfo.org, has good forms but they tend to be a lot more pages than is really necessary! Pick your state HERE. Caution: if you have a pacemaker you may need to expressly authorize that it be turned OFF. Also, this is not a HIPAA RELEASE, only your named health care representative may be entitled to information about you and others would only get information if the representative authorizes it. |
| Information about CONSERVATORSHIPS |
This is too big a topic for me to
tackle here. You can read a lot about this on the website of the State
of CT probate courts page on conservatorship. You can also download the User
Guide for Conservators. |
| Information
on "pooled trust accounts" at PLAN of CT which you may need to
qualify for home care in CT! Sorry ,there IS no public information on this --- stay tuned However, you can read about PLAN, the nonprofit organization that runs the trust in CT, and my explanation in the next column. |
A
"pooled trust" allows an older person to qualify for certain home
care benefits or to stay in some residential care homes that
participate with the state and say they "take Medicaid" -- if the only
reason (s)he might not qualify is having income that is "too high" for
the program's arbitrary limit (currently (2017) $2.205/mo). You
put the
extra income in the trust each month, and presto, it disappears for
eligibility purposes. Currently up-front fee $1,050, monthly
about
$100. If more than about $405/month, more is involved. You must
get a lawyer for this -- if your current lawyer wants to help you do
this, as long as (s)he joins PLAN they will share forms and I can share
instructions. EMAIL
ME. |
| Our laws: state statutes in
Connecticut. Try it! |
Entire Connecticut
General Statutes 2013 compilation (NB: if out of date, replace the year included the URL link with the current or most recent ODD-NUMBERED year. ALSO check for updates in even-number years) Search statutes, Public Acts |
| CT
estate tax return for non-taxable estates HA -- it is our "DEATH TAX"!!!!!!!!! |
This is the form you file and then get to pay CT's
"death tax" known as the "probate fee." This is required on the
death of ANY state resident even one that dies without any need for
probate. See my article. The CT 706 NT is the form and I'm
linking it in case you/your family doesn't otherwise need to access
the probate system and wants to try this one alone -- although you get
what you pay for! :) Current year CT 706 and CT 706-NT. If it is crunch time
and the home is about to be sold you may be able to get a probate court
to issue you the release of lien that you need, too -- PC-256 or
PC-256A If you're curious on what tax you might have to pay, I have a spreadsheet that will compute this -- click here. NO ESTATE TAX if there is less than $2 million. |
| Savings Bonds (TreasuryDirect) | http://www.savingsbonds.gov/BC/SBCPrice Treasury Dept. site for determining current value of US savings bonds |
| CT State Treasurer "name it and claim it" site |
Lost property (at least, in
Connecticut) http://www.ctbiglist.com/ |
| Immediate Annuity site |
http://www.immediateannuities.com/ You can get a ballpark figure for what dollars are required to produce what benefit and for how long- helpful for planning. CAUTION: currently annuities are "counted assets" for Medicaid purposes unless they meet very specific requirements. Buying one might also be considered a transfer of assets. Use caution. CONSULT AN ELDER LAW ATTORNEY. |
| Reverse
mortgage calculator |
Used
to be AARP had the best one but this one is linked from AARP -- http://www.newretirement.com |
List of Articles Referred to on the main
Elderly Planning Page --- you may also want to check the Estate Planning Page:
Why
Not a
Medicaid
Specialist? Why you need a LAWYER.
- Being the
Beneficiary of your Spouse's
Testamentary Trust
- What
You Owe Your Family
If You Have a Preliminary Diagnosis of Alzheimers
- "Protecting
Assets" (Against the Expense of
Long-Term Care) --
STRAIGHT TALK
- Medicaid
for Married Couples,
- After
Spending Down: What You Still Have To Do When Your Spouse -- Mom
-- Grandpa -- Aunt Sadie (Etc.) Has Applied for Medicaid in Connecticut
- Slideshow: Medicaid and Long-Term Care
in Connecticut (last updated
July 2011) (SORRY - YOU NEED INTERNET EXPLORER TO VIEW THIS PROPERLY)
-
"What if I give it all away?" Questions and Answers about the Medicaid Transfer Rules in Connecticut
-
Getting Ready to Be on Medicaid in Connecticut: How Should You "Spend Down"?
-
Funding College with Section 529 Plan Gifts: Benefits and Pitfalls
- Paying
for Staying at Home: Reverse Mortgages
Other places to write or call: (please give me
feedback on this information so I can keep it current)
Connecticut Programs and Information:
Elder Rights/Protective Services. Investigates
potential cases of elder abuse, neglect, abandonment or exploitation of
persons 60 and over including monitoring and linkage with community
based services. 1-888-385-4225 or 1-860-424-5241; after
hours/weekends Infoline 800-203-1234.
Connecticut Home Care Program for
Elders. Offers home and community based services as an
alternative to institutional placement. Program is available to
Connecticut residents aged 65 and older who qualify financially and
functionally. 1-800-445-5394 or 1-860-424-5181. For
eligibility information, see the "Home
Care" page of the CTElderLaw.org
website. The Department
of Social
Services Alternate Care Unit also has information.
CHOICES, help for Connecticut
residents in selecting appropriate "Medigap" or Medicare supplemental
insurance: 1-800-994-9422, Connecticut's program for Health Insurance
Assistance, outreach, information and Referral Counseling and
Eligibility Screening" (affiliated with the Area Agencies on Aging.)
The State website is impossible to write out! CLICK.
Connecticut Hospice, Inc., 100 Double
Beech Road, Branford, CT 06405. Tel: (203) 315-7500.
Connecticut Hospice provides care for those in the terminal stages of
illness.
Information on Reverse Mortgages:
www.aarp.org/money -- AARP's site has info
but NO LONGER has a calculator.
http://www.hud.gov/offices/hsg/sfh/hecm/hecmhome.cfm
- the government's site on HECM reverse mortgages.
The following documents may be somewhat dated, so check the updates.
"Money from Home: A Consumer's Guide to
Reverse Mortgage
Options." Write to FannieMae, 3900 Wisconsin Avenue NW,
Washington,
DC 20016-2899.
"Facts for Consumers -- Reverse Mortgages,"
published by
the Federal Trade Commission, Office of Consumer/Business
Education, Washington, D.C. 20580.
"Home Made Money," published by AARP,
lists key questions to ask, offers less costly alternatives to reverse
mortgages, and includes information on obtaining reverse mortgage
counseling. The guide can be ordered online or by calling toll
free 1-800-424-3410.
You can order online by sending email to RMinfo@aarp.org.
"Your New Retirement Nest Egg," by Ken
Scholen, available from The National Center for Home Equity
Conversion, 7373 147th Street West, Suite 115, Apple Valley, MN
55124.
Help with Medicare and Medigap Insurance
Help with Medicare Issues: Center for Medicare Advocacy,
P.O. Box 350, Willimantic, CT 06226. 1-860-456-7790. Free
assistance for Connecticut residents in most cases.
Help selecting appropriate "Medigap" or
Medicare supplemental insurance: CHOICES, 1-800-994-9422,
Connecticut's program for Health Insurance Assistance, outreach,
information and Referral
Counseling and Eligibility Screening" (affiliated with the Area
Agencies
on Aging.) You can also check the CT Insurance
Department site for Medigap policies.
DISCLAIMER:
THIS INFORMATION IS NOT PROVIDED AS LEGAL ADVICE AND
CREATES NO ATTORNEY-CLIENT RELATIONSHIP. NO ENDORSEMENT IS
INTENDED BY ANY REFERENCES HEREIN. PLEASE CONSULT YOUR OWN LEGAL
AND FINANCIAL ADVISORS BEFORE TAKING ANY ACTION.
Web-site design by: Tintern Productions
Lisa Nachmias
Davis
Davis O'Sullivan & Priest LLC
59 Elm Street, Suite 540
New Haven, CT, 06510
Phone: 203-776-4400
Fax: 203-774-1060 or 776-4411
email: davis@sharinglaw.net