vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Costs of Care | ACL Administration for Community Living
Using Life Insurance to Pay for Long-Term Care

Buying Long-Term Care Insurance

Costs of Care

What is Covered by Health & Disability Insurance?

Coverage Limits Chart

What is Long-Term Care Insurance?

What Long-term Care Insurance Covers

Receiving Long-Term Care Insurance Benefits

Where to Look for Long-term Care Insurance

Long-term Care Insurance Costs

Paying Privately

Reverse Mortgages

Annuities

Trusts

Below are some national average costs for long-term care in the United States (in 2016). Average costs for specific states are also available.

$225 a day or $6,844 per month for a semi-private room in a nursing home
$253 a day or $7,698 per month for a private room in a nursing home
$119 a day or $3,628 per month for care in an assisted living facility (for a one-bedroom unit)
$20.50 an hour for a health aide
$20 an hour for homemaker services
$68 per day for services in an adult day health care center

The cost of long-term care depends on the type and duration of care you need, the provider you use, and where you live. Costs can be affected by certain factors, such as:

Time of day. Home health and home care services, provided in two-to-four-hour blocks of time referred to as "visits," are generally more expensive in the evening, on weekends, and on holidays
Extra charges for services provided beyond the basic room, food and housekeeping charges at facilities, although some may have "all inclusive" fees.
Variable rates in some community programs, such as adult day service, are provided at a per-day rate, but can be more based on extra events and activities

Last modified on 02/18/2020

     
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Before you start a small claims case | California Courts | Self Help Guide
You need to know where whoever you think owes you money is so
You can put that address on the court forms
They can be given the forms if you decide to sue them. If you're suing a business, they may have a designated person that receives court forms (known as Agent for Service of Process)
Get tips on how to find a person or a business and agent for service of process.
There are different rules if you want to sue someone who lives outside California. Learn more
If the person you want to sue is living outside California, you may not be able to sue them unless they return to California. There are some exceptions. For example, if you are suing because of a car accident and the other driver is from out of state or you are suing about a property you rented and the owner of the property lives out of state.
Talk to a small claims advisor if the person you want to sue lives outside California. Even if you are able to sue them, it may be hard to collect the money out of state.

You have proof
You don’t have to have all your proof together before you start a small claims case. But, you have to know what you need and that you will be able to get it in time to bring to your court hearing. Examples of proof (also called evidence) are:
Repair receipts
Photos of damage
Emails
Business records

EXAMPLE: proof of repair costs
Someone hit your car with theirs. You have a police report showing the other driver is at fault. You also need a paid invoice or a few estimates for the repair costs to bring with you to your court hearing.

EXAMPLE: pictures of a clean apartment
Your landlord didn't return your security deposit. You could bring photos of the clean home with timestamps that show when the photos were taken or have your friend who saw the clean home come to your court hearing to talk about it.

Give yourself time to get the proof you need. It can sometimes take months to get the proof you need. For example, you may need a court order to get business or medical records (a subpoena).
Office of the Patient Advocate - State of California


An EPO (exclusive provider organization) also has a network similar to an HMO. Similar to a PPO, you can usually go to a provider without a referral from your main doctor.
Fee-for-service insurance (indemnity insurance) usually costs more than HMOs and PPOs, but it gives you the most choice of doctors. Usually, you pay part of each bill, and the doctor bills your insurance company for the rest.

High-deductible health plans
Some HMOs, PPOs, EPOs, and fee-for-service plans are high-deductible plans. High-deductible plans have lower premiums but higher deductibles, compared with typical health plans.
Group vs. individual plans
You may have an HMO, PPO, EPO, or fee-for-service plan through your job, or you may buy a plan on your own.

If you have health coverage through a job or union, you have group coverage. Some group plans are self-insured and have special rules.
If you buy health insurance on your own, not through a job or union, you have individual coverage.
Under health care reform changes in 2014, individual coverage has more benefits and rights and is more like group coverage.

High-deductible health plans
Some HMOs, PPOs, EPOs, and fee-for-service plans are high-deductible plans. High-deductible plans have lower premiums but higher deductibles, compared with typical health plans.

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Internal Revenue Bulletin: 2008-12 | Internal Revenue Service
Section 4372(d)(1) of the Code defines the term “insured” to include a domestic corporation or partnership, or an individual resident of the United States, that is insured against, or with respect to, hazards, risks, losses, or liabilities wholly or partly within the United States. Section 4372(d)(2) defines the term “insured” to include also a foreign corporation, foreign partnership, or nonresident individual, engaged in a trade or business within the United States, that is insured against, or with respect to, hazards, risks, losses, or liabilities within the United States. Section 4372(f) of the Code defines the term “policy of reinsurance”, for the purposes of section 4371(3), as any policy or other instrument by whatever name called whereby a contract of reinsurance is made, continued, or renewed against, or with respect to, any of the hazards, risks, losses, or liabilities covered by contracts taxable under paragraph (1) or (2) of section 4371. Section 4373(1) of the Code provides an exemption, whereby the tax imposed by section 4371 shall not apply to any amount which is effectively connected with the conduct of a trade or business within the United States unless such amount is exempt from the application of section 882(a) of the Code pursuant to a treaty obligation of the United States. Section 4374 of the Code provides that any tax imposed by section 4371 shall be paid, on the basis of a return, by any person who makes, signs, issues, or sells any of the documents and instruments subject to the tax, or for whose use or benefit the same are made, signed, issued or sold. Revenue Ruling 58-612, 1958-2 C.B. 850, concluded that a policy of reinsurance issued by a foreign insurer covering any of the hazards, risks, losses or liabilities covered by contracts taxable under section 4371(1) and (2) of the Code is subject to the tax imposed on reinsurance policies by section 4371(3) of the Code, regardless of whether the primary insurer was a domestic or foreign insurer. In United States v.
FAQs - Cemetery and Funeral Bureau
It has no jurisdiction over cemeteries operated by religious organizations, cities, counties, or cemetery districts; the military; Native American tribal organizations; or other groups. If you do not know who regulates the cemetery you are interested in ask the cemetery manager.
The Law Requires:

Funeral establishments to quote prices over the telephone.
Funeral establishments to provide you with a general price list (GPL) and a casket price list (CPL) when you inquire in person.
Funeral establishments to give you an itemized statement that should include only those items you have selected when you contract for services. Another option is a funeral package. The funeral package statement should describe and include all goods and services. Get a total dollar amount in writing BEFORE you sign the contract.

The Law Allows:

Funeral establishments to set a non-declinable fee for professional services which may include:
 
The funeral director's time spent helping you plan the funeral;
Making arrangements with the cemetery, crematory, or another funeral establishment if the body will be shipped out of the area (cemetery, crematory, or other funeral establishment fees are separate and in addition to); and
Gathering the information for the death certificate, other required permits, and submitting the obituary (filing fees are charged separately and in addition to); and
Unallocated overhead, which includes taxes, insurance, advertising, and other business expenses.

The Law Does Not Allow:

Funeral establishments to charge a handling fee if you wish to use a family built casket or purchase one elsewhere; however the casket must meet the cemetery's standards.
Funeral establishment staff to make false claims about the preservative qualities of a casket or to charge contagious disease fees or fees for protective clothing.

Consumer Guide to Funeral and Cemetery Purchases Available:
For additional information to aid you in making arrangements, especially advance	arrangements for a loved one or yourself, click on the following link for the Consumer Guide to Funeral & Cemetery Purchases or call 1-800-952-5210 for a free printed copy. This booklet will tell you how to compare prices and services, prearrangement and prepayment options, burial, cremation, Consumer, Government, and Industry organizations, and what to do under special circumstances. 
ENFORCEMENT
Small Claims Court Process: Sacramento Superior Court

Know the reason why you are suing the other party.
 
If you are a minor, you will need a guardian and 
 they need to fill out and file the Guardian Ad Litem form. 
If you are a business, a corporation, association, 
 a partnership, or sole proprietorship, what is your fictitious business number 
 and its expiration date? 
Know whether the defendant is an individual, an 
 individual doing business as, a corporation, a partnership or a government 
 agency. 
If the defendant is a minor, you must find out the 
 name of the defendant's guardian. 
If the defendant is a business or government 
 agency, you should know who the agent for service of process is (the legal 
 representative of the organization to be notified of the suit.) 
Are any of the defendants in the military service 
 as defined in Section 101 of the Soldiers and Sailors' Relief Act of 1940?
 


 If you do not have access to a computer, you may contact the Small Claims clerk’s office to obtain the appropriate forms.
 You may also obtain forms through the mail by submitting a request for forms, along with a 
 large self-addressed, stamped manila envelope. Please send your request to the 
 following address:

 Sacramento County Small Claims Court
 301 Bicentennial Circle
 Sacramento, CA 95826-2701

Monetary Limits

 The Small Claims court has a monetary limit, 
 called a jurisdictional limit, on the amount of money damages that can be 
 claimed. Usually, the most "a natural person" can ask for is $12,500; however, you are 
 limited to filing no more than two claims anywhere in the State of California 
 for over $2,500 in one calendar year. You may file an unlimited amount of claims 
 for $2,500 or less. The jurisdictional limits of the Small Claims court do not apply to disputes related to Covid-19 rental debt. 
 

Service

 The party who has filed the case must cause the 
 legal documents to be served upon the other party. If this service is not done 
 correctly, the court will require the plaintiff to re-serve the papers correctly
The other side disagrees with your Claim of Exemption | California Courts | Self Help Guide
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The 2024-25 Budget: Judicial Branch
that are encumbered ($157 million), statutorily excluded ($110 million),
designated for prepayments or other purposes ($108 million), or held by
Judicial Council on behalf of the trial courts for specific projects
($27 million). This leaves $82 million (17 percent) in reserves subject
to the cap. This is less than the $97.5 million the trial courts could
have retained under the current 3 percent cap. We note the Governor’s
2024‑25 budget proposes increasing the cap to 5 percent or
$100,000—whichever is greater—which would allow the courts to retain
more in their reserves.
Self-Help Center Funding
Background
Self-Represented People Can Be at a Legal Disadvantage
and Increase Court Workload. Self-represented people are
those who choose to access certain court services without the assistance
of legal counsel—typically related to civil matters. This is generally
because they cannot afford to hire legal representation. Given their
lack of familiarity with statutory requirements and court procedures
(such as what forms must be filled out or their legal obligations in the
potential case), self-represented people can be at a legal disadvantage.
In addition, trial court staff tend to spend significantly more time
processing a self-represented filing than one with legal representation.
For example, a self-represented litigant who files incomplete or
inaccurate paperwork can lead to the litigant having to file paperwork
repeatedly, the court having to continue or delay cases, or the court
needing to schedule additional hearings.
Various Legal Resources Supported by State
Funds. To help self-represented people access the court
system, the state provides tens of millions of dollars annually to
support various legal resources. These legal resources are provided by
the judicial branch, legal stakeholders (such as county law libraries or
legal aid organizations), and partnerships between trial courts and
legal stakeholders. (We note that such legal resources may also be
supported by federal or other non-state funds.) These legal resources
generally fall into two categories: (1) legal assistance and (2) legal
Financial Planning for New Parents - CalPERS PERSpective
If you have a power of attorney set up through another resource, make sure the documents specifically grant the attorney-in-fact authority to conduct business with CalPERS.
Establish an Estate Plan
If you haven’t already, now is the time to set up an estate plan. This includes a will, living trust, durable power of attorney, and advanced health care directive. You’ll also need to designate a legal guardian for your child.
In California there are two types of guardianship. You can appoint a guardianship of the person (your child), and a guardianship of the estate (their inheritance), or both. These don’t have to be the same person. Work with an attorney to account for all the nuances of appointing a guardian.
Consider Life Insurance
There are several types of life insurance available. Having coverage can provide for your child should the unthinkable happen. Determine what type of coverage you need, how much, and obtain a few quotes. Once you select the policy that works for you, speak with your attorney about how to include it in your estate plan.
Save for School
You can save for your child’s education using ScholarShare 529, California’s tax-advantaged education savings program. ScholarShare includes flexible spending benefits, so the money you save doesn’t have to be used exclusively on a college education. It can also be used for apprentice programs or qualifying K-12 tuition, and you can transfer funds to another eligible beneficiary at no extra cost or roll over up to $35,000 into a Roth IRA.
Continue to Save for Retirement
Saving for retirement and college can be a daunting task, but planning early can make it easier as your family grows over time. We’ve gathered topics to consider when saving for both.
A solid financial foundation will support you as you embark on the journey of parenthood, so you can enjoy every moment.

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Civil case index | California Courts | Self Help Guide
Suing a healthcare provider (medical malpractice
Debt collection defense

Related topics
Civil discovery and subpoena
Small claims

Suing or being sued 

If you want to start a case (plaintiff)

Before you sue someone
Overview: Steps to sue someone
1. Start the lawsuit
Fill out forms to sue someone
Resource: How to find someone and How to find a business' name and agent for service of process
File the Summons and Complaint
Serve the Defendant or Serve by substituted service
2. Wait to see if the other side responds
Motions and cross-complaints
How to ask for a default and default judgment

If you're sued (defendant)

Overview: What happens if you're sued
1. Decide what to do if you're sued
What the Summons and Complaint mean
2. Respond and defend yourself
Fill out paperwork to respond 

	Using affirmative defenses if you're sued
Serve your Answer
File your Answer

Preparing your case and going to trial (for both sides)
3. Prepare your case
Discovery in civil cases 
Case management conference
4. Prepare for your civil trial
Order a witness to appear in court (subpoena)
Present your case 
Objections
Cross-examinations 
Introduce exhibits
5. Go to your trial
 Civil trials 
After the trial: The judgment
 
Pay or collect a judgment
6: Collect or pay a civil judgment

For the creditor
How to collect a judgment
How to get a debtor's exam
Prepare for a debtor's exam
Questions to ask at a debtors exam
Writ of Execution
Bank levy
Wage garnishment
Lien on property
Renew a judgment
Add interests and costs
Tell the court you're paid: Satisfaction of judgment

For the debtor
If you can't pay a judgment
Debtor's exam
Claim of exemption: Bank levy
Claim of exemption: Wage garnishment
Provide more information to support claim

 

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Traffic - Frequently Asked Questions: Sacramento Superior Court

You must pay the full bail amount or contact the Court ON OR BEFORE the due date.
 	You may obtain assistance in person at the Traffic Public Counter or remotely at the Traffic Virtual
 	Public Counter by clicking HERE
 	Monday – Friday from 8:00 a.m. to 4:00 p.m., excluding 
 	court holidays.
What is a valid proof of correction for an insurance violation (Vehicle Code 16028a)?

 	Valid proof of correction for insurance may be a photocopy of the official card or
 	policy issued by an insurance company or a statement on insurance company letterhead
 	providing the following:

Name of the insurance company
Policy number
Effective (beginning and ending) dates of the policy (policy must be in effect
 	at the time of violation)
Name of the person (defendant) or vehicle listed on the citation

What is the fine for a proof of insurance violation?

 	If you provide valid proof of insurance at the time the citation was issued (violation
 	date) the amount due is $25.00 plus valid proof.

 	If you obtained insurance after the date the citation was issued, the amount due is
 	$500.00 plus valid proof.

 	If you do not have insurance at all, the minimum fine is $910.00. This amount can
 	be increased if you have prior convictions for no proof of insurance.
Can I get insurance if I do not own a car?

 	Contact an insurance agent to determine what type of insurance coverage is available.
How do I take care of a registration violation if I cannot smog my vehicle?

 	If you receive a citation because your vehicle is not registered properly and you know
 	it is because the vehicle cannot pass the smog check, immediately contact the
 	
	Bureau of Automotive Repair (BAR) - external link for information.

 	If you receive a citation because your vehicle is not registered properly and you
 	have an economic hardship, contact the BAR for an application to determine if you
 	qualify for financial assistance.
Am I responsible for a correctable violation if I sold the car, if the car is not
 	running, or if the car I was driving is not mine?

 	You are responsible for any citation the officer issues in your name. The only
Family Law - Filing & Serving Your Papers: Sacramento Superior Court

For more tips on preparing documents for filing, download our printable 
 	Filing Instructions.

Fees and Payments

	Payments for filing fees and certified copies will be accepted via cash, check,
	money order, or credit card transaction. There will be no extra processing fee for
	using a credit card for payment. If you are filing by mail or drop box and would
	like to pay your fee via credit card, you may complete the
	
	Credit Card Authorization Form. All fields of this form must be
	complete and legible with an original signature and must be submitted with your
	filing.
	

	Payments of the following fees will not be accepted via credit
	card: Reporters Transcript deposit, Court Reporter fees, Subpoena Witness fees,
	and payments on court ordered payment plans.
	

	Filings paid with check that is returned for non-sufficient funds will be void
	if not paid by cash or certified check / money order within twenty (20) days of
	notification. 
	411.20 Code of Civil Procedure) - external link


	For Family Law filing fees or other court filing fees, please refer to the
	
	Fees page.

	If you are unable to pay fees and costs, you may ask the court to waive the fees using this packet:


	Fee Waiver Packet

Serving Your Papers
Serving Someone Who Lives Outside of California

 	To serve someone who does not live in California, but does live in the United States,
 	please use the following forms:


 	Instructions for Serving Someone Who Does Not Live in California

 Proof of Service of Summons (FL-115); or 

 Proof of Personal Service (FL-330); or 

 	Proof of Service by Mail (FL-335) 

Serving Someone Who is Incarcerated

	To serve someone who is incarcerated, please use the following forms:


 	Instructions for Serving Someone Who is Incarcerated

 Proof of Service of Summons (FL-115); or 

 Proof of Personal Service (FL-330) 

Service by Publication or Posting


 	Service by Publication or Posting Packet

 	Sacramento County Newspapers of General Circulation

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