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Thomas F. Torr Esq.

Cocheco Elder Law Associates

Thomas F. Torr Esq.

Cocheco Elder Law Associates

Thomas F. Torr Esq.

Cocheco Elder Law Associates

Attorney Thomas F. Torr is a founding partner of Cocheco Elder Law Associates, PLLC, and a native of the New Hampshire seacoast area. His practice is dedicated to building wealth enhancement strategies for his client families' estates and businesses, using far-reaching, advanced planning to achieve preserved wealth for generations. His firm's priority is its relationship with its client families and their personal, professional and estate goals.

Mr. Torr is a member of both the New Hampshire and Maine Bars. He is admitted to practice before all courts, state and federal, in both New Hampshire and Maine. Mr. Torr’s practice includes elder law, Veterans and Medicaid planning, estate and wealth transfer planning, incapacity protection, asset protection planning, estate and trust administration, disability planning, special needs trusts, retirement asset planning, business law and real estate.

Mr. Torr is a frequent lecturer on basic and sophisticated estate planning topics. He has authored articles on a variety of topics related to business law, sophisticated asset protection, estate planning and probate administration.

Mr. Torr is often asked to be a guest speaker at community and professional seminars dealing with estate planning topics ranging from guardianships to complex estate planning. Mr. Torr was a weekly guest host of the radio show, “Money Matters,” for more than 10 years on the Money Matters Radio Network. He is currently a guest host of “Open Mic" with Mike Pomp on WTSN AM-1270 at 9:00 am on the 1st Friday of each month.

Mr. Torr received his B.A. degree from the University of New Hampshire and his J.D. from Ohio Northern University. He is a member of the National Academy of Elder Law Attorneys and the New Hampshire Estate Planning Council. He serves on the Board of Directors of the Wentworth Douglass Hospital and Health Foundation as well as the Planned Giving Advisory Committee, Advancement Committee, and By-Laws Committee of the Foundation.

Mr. Torr is the past president of the Rockingham County Bar Association as well as a former Director and Executive Board member of the Derry Economic Development Corporation and an Incorporator and Executive Board member of the Community Alliance for Teen Safety (CATS).

Mr. Torr can be reached by phone at (603) 749-1300 or email at tom@cochecoelderlaw.com.

Firm Description

Tom is an experienced attorney who has saved many families and business owners considerable sums by advising them on estate planning and business entities. Tom helps clients to protect their assets and provides peace of mind to them in knowing their family and business affairs are in order. The entire team at Cocheco Elder Law, PLLC is committed to providing the highest quality of legal services in a caring manner to make the process of planning as easy as possible for our clients.

Practice Areas

Asset Protection Planning, Business Entities & Succession Planning, Charitable Planning, Elder Law/Medicaid Planning, Planning for Affluent Families, Probate/Trust Administration, Real Estate, Wills & Trusts

Licensed In Maine & New Hampshire

Hours

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Cost

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What Is an Elder Law Attorney?

Main Office

45 Silver Street
Dover, NH 03820

On the web

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Medicaid 101
What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

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How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

READ MORE
How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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Medicaid Planning Strategies

Careful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.

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Estate Recovery: Can Medicaid Take My House After I’m Gone?

If steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.

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Help Qualifying and Paying for Medicaid, Or Avoiding Nursing Home Care

There are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.

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Are Adult Children Responsible for Their Parents’ Care?

Most states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.

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Applying for Medicaid

Applying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.

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Alternatives to Medicaid

Medicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.

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ElderLaw 101
Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

READ MORE
Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Long-Term Care Insurance

Understand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.

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Medicare

Learn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.

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Retirement Planning

We explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.

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Senior Living

Find out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.

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Social Security

Get a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.

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Special Needs Planning

Learn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.

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Veterans Benefits

Explore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.

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