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Kevin Keyho Associate Attorney Attorney Kevin Keyho has a general law practice in the areas of criminal defense, family law and traffic cases. Prior to entering private practice, he spent nine years as a Special Agent for the U.S. Department of Defense. Attorney Keyho also spent three years as Assistant Counsel for the Pennsylvania Office of Inspector General. He has also taught as an Adjunct Clinical Professor of Legal Education at Duquesne University School of Law. Most recently he was an Institutional Trust Officer for a major bank. Attorney Keyho has been interviewed by television network news affiliates and the print media in and around the Pittsburgh area. He has appeared on “Good Morning America” and “Fox Wire with Rita Cosby.” Attorney Kevin Keyho attended the University of Pittsburgh where he received a Bachelor of Arts degree as well as a Masters of Public and International Affairs specializing in International Security Studies. He received his Juris Doctor from Duquesne University School of Law. BAR ADMISSIONS & EDUCATION Commonwealth of Pennsylvania PA Federal District Court, Western District United States Court of Appeals for the Third Circuit United States Supreme Court JD, Duquesne Univsersity School of Law MA, BA, University of Pittsburgh AREAS OF PRACTICE Criminal Defense, Family Law, Traffic

Guardianship for Elderly Parents Caregivers We often hear people say “I promised her I’d never put her in a nursing home.” or “Dad told me he never wanted to live in one of those places.” For a variety of reasons, caregivers may choose to care for their older adult at home. And as long as the situation is safe for everyone involved, keeping aging parents at home is a wonderful thing to do. But it’s important to remember that senior care is one of the toughest and most stressful jobs you’ll ever have. With the proper support, planning, and patience, providing care for your parents in their golden years can be a less stressful and a more rewarding experience. If the person you are caring for is unable to make rational, clear-headed decisions about their health care, finances, or other aspects of life, seeking legal guardianship may be necessary to ensure their safety and quality of life. Guardianship is an option in cases where an older adult has not appointed a power of attorney for health care or finances and is incapacitated due to advancing age, illness or disability. Even if an individual has named a power of attorney (POA), guardianship may still be necessary if their POA is not durable, meaning it ends upon their incapacitation. We most commonly see family caregivers seeking guardianship for adults with dementia who did not make proper legal preparations for the future. To act as someone’s legal guardian or conservator, the individual petitioning for guardianship must go to court to have the person they are caring for declared incompetent based on expert findings. If they are ruled incompetent and the petitioner is a suitable caregiver, then the court transfers the responsibility for managing finances, living arrangements, medical decisions, or any combination of these tasks to the petitioner. This process often takes a good deal of experience to navigate smoothly. If family members disagree about the need for guardianship or who should act as a guardian, the process can be especially painful, prolonged, and costly. That's why an elder law attorney is often required in these situations. Reach out below to find out more.

As your Pittsburgh elder law attorney, we can help you with Medicaid planning, estate planning, wills and trusts, and many other legal matters involving older or disabled persons. Elder Law and Guardianship Our compassionate, caring and experienced attorneys help seniors and their family members navigate the difficult and complex journey of planning for their future. Our services protect you with the preparation of wills, powers of attorney, and medical documents. Our elder law attorney team focuses on assisting seniors and others with special needs – and their respective families – with asset protection and care planning. We also focus on many of the other complicated legal issues faced by seniors and those with disabilities. Nursing Home Decisions Learn More Cost of Nursing Home Care Learn More Nursing Home Neglect Learn More Caregivers Learn More Experience and Confidence Over the years, our Elder Law & Guardianship attorneys have successfully helped our clients navigate the world of eldercare and the planning required to be comfortable with late-life living situations. Planning for this stage of life is the most commonly overlooked and procrastinated aspect of estate planning, or life-planning in general, that we see. People often think they have all the time in the world to plan for these situations, but they sneak up on you quicker than you'd think. These are some aspects of eldercare we think you should consider: Caregivers: More than ever before, caregiving is becoming a significant part of everyday life for millions of families throughout the United States. As our population ages, more families are providing care for older adults at home, and an increasing number of people will require such care in the future. Nursing Home Decisions: Often, an aging parent or family member with a disability requires an intensive level of care and around-the-clock supervision, something that a caregiver is realistically unable to provide singlehandedly. That's when it might be time to start considering nursing homes or other alternative living situations that can help provide care. Medical Planning: Do you know what type of health care you would want if you became too sick to tell the doctor yourself? It's something most people don't want to think about but becomes a necessary planning step in your late-life estate plan once you reach that stage in your life. It's important to plan ahead for those situations because you definitely don't want to stumble into a medical situation underprepared. Medical Assistance Planning: As you research senior living options, you’ll discover not only are there different types of communities , but there are different types of financial and admission agreements as well. Understanding the complexities of financial planning for this stage of life will help you make an informed decision and create a smarter plan for the future. Late-Life Estate Planning: Failing to leave a plan for an estate means leaving loved ones unprepared for the decisions they will have to make, as well as the possibility of state and local laws creating obstacles in intended inheritance. Find out below how our elder law & guardianship attorneys can help you or your loved one navigate through this stage in life and make some very important decisions. Protecting Your Home from Nursing Home Costs Long-term care is expensive. As of 2022, the average cost of nursing homecare in Pennsylvania is over $12,000 per month. Health insurance and Medicare generally don’t cover long-term care. As a result, many become concerned over how they’ll pay for nursing care in the event they need it. Will they be forced to spend all their life savings and even sell their home to pay for care? Medical assistance is available to pay for nursing care. More than seven in ten nursing home residents in Pennsylvania utilize Medicaid assistance to cover the cost of care. Unlike other forms of Medicaid assistance, recipients of Medicaid for long-term care in nursing homes must pay back the amount they receive. The State can even recover from the assets of the recipient’s estate after death. This is especially concerning for individuals hoping to leave their home to their loved ones. Although owning a home (if it’s the applicant’s primary residence) generally won’t affect eligibility to receive Medicaid, the State can recover its costs by placing a lien on the home. A common strategy to avoid a lien is to transfer title to the home to the applicant’s children before applying for assistance. While this strategy may sound simple, it comes with significant risks. The timing and means of the transfer require careful planning. If you want to protect your home from nursing home liens, we recommend using a Life Estate Deed or House Trust. Download our free guide to learn more about how to protect your home and retain many of your home ownership rights for as long as you desire.

Planning for the succession of a business is one of the most overlooked aspects of business planning. Your business needs a plan for every situation you could encounter in your future. Succession Planning and Dissolution Every successful business owner has to deal with the subject of succession planning sooner or later. Who will take the reins when you leave? In business succession planning, time is either your ally or your enemy. You can spend time planning for succession during your active business lifetime, or postpone planning and wait until the more chaotic, uncertain, and expensive succession planning that typically occurs after a life-changing event or post-mortem when the choice is no longer yours. Think that succession planning is just a matter of selling your business? Think again. Finding a willing and able buyer for any business is rarely just a matter of hanging up a "for sale" sign. Our attorneys have worked with a wide range of businesses, including family-owned enterprises, to plan for succession or sale. We can help you strategically position your business to maximize its value and ensure a smooth transition during ownership changes. Local businesses sold to national retailers Joint ventures and real estate acquisitions for commercial properties Sales involving co-branding arrangements Business sales with complex contracts and real estate Purchases of bars and restaurants Transactions involving national franchises Partner buy-outs and subsequent business sales Business and real estate sales following litigation settlements

Rebecca A. Kuna Associate Attorney Rebecca was admitted to practice law in Pennsylvania in 2000 after graduating from Duquesne University School of Law. She joined Fiffik Law Group in 2020 after practicing law representing the interests of individuals and businesses in private law firms and as associate general counsel to a major Pittsburgh corporation with sales in excess of $500 million annually and more than 250 employees. She also operated her own legal practice in Imperial, PA for 5 years before joining Fiffik Law Group. Rebecca provides legal counsel for her clients in matters involving Social Security Disability, Consumer Bankruptcy, Civil Litigation, Consumer Finance, and Collection. While Rebecca has dedicated many years to the legal field, outside of the industry, she enjoys spending time with her family including three children and three dogs. BAR ADMISSIONS & EDUCATION Pennsylvania Bar, 2000 Western District of Pennsylvania, 2000 Washington & Jefferson College, B.S. Duquesne University School of Law, J.D. AREAS OF PRACTICE Social Security Disability, Consumer Bankruptcy, Civil Litigation, Consumer Finance, Collection

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WRONGFUL DEATH If you have lost a loved one due to the negligence of others, the attorneys at Fiffik Law Group can help your family pursue a wrongful death action against those responsible. Wrongful death lawsuits allow families to hold people or businesses accountable for their negligent or careless actions. These suits are often filed by a person’s estate as part of a catastrophic personal injury case where the defendant has died, including automobile accidents, drunk driving accidents, commercial truck accidents and medical malpractice cases. These suits can also be brought independently after the underlying suit has concluded. Many families have conflicts over the distribution of assets when settling the estate, and these battles can prevent them from being able to file a wrongful death action in time. Wrongful death claims have a two-year statute of limitations that begins with the death of your loved one. If the claim is against a city or county, this period of time is even shorter and comes with additional limitations. Our attorneys have extensive experience representing clients in wrongful death suits, and they have the knowledge and ability to help your family recover the damages they deserve. Contact Our Personal Injury Attorney(s) Matthew Bole CALL US

Fiffik Law Group, PC has been serving the Pennsylvania area since 1980 with measurable success. We pride ourselves on a history of excellence, ensuring only the highest quality service. About Our Firm We empower individuals and businesses to take control of their future through strategic legal counsel. We guide our clients in making informed decisions that align with their values and goals. We believe that if you don't act for yourself, someone else will, and it might not reflect your intentions or be in your best interest. By providing personalized and comprehensive legal services, we ensure that our clients' legacies, businesses, and real estate transactions are thoughtfully structured to meet their unique needs, fostering peace of mind and security for generations to come. Meet Our Team MEET OUR ATTORNEYS MEET OUR STAFF JOIN OUR TEAM

Are you facing a custody dispute? Fiffik Law Group, PC child custody attorneys can help protect the best interests of you and your child. We have the experience and dedication that get results. Child Custody and Support Issues surrounding children — custody and support in particular — can be some of the most contentious elements in a divorce, but it serves your children best if you can work things out. We’ll help you understand things like how child support is calculated and how judges make decisions about parenting time. We'll also help you prepare for your hearing, conduct yourself during the hearing, and work together with the other parent to achieve the best possible arrangement for you and your children. Child Custody Experience We have effectively represented hundreds of clients in actions involving both contested and amicable child custody cases. Our child custody attorneys understand these cases are often highly emotional and can be profoundly consequential to our clients and their children. Our attorneys ensure that each client understands the strengths and weaknesses of their particular case so they can make the best parental custody decision for themselves and their families. During the last three decades, our custody attorneys have represented hundreds of clients in cases involving: Visitation Custody Shared Custody Supervised Visitation Relocation to Different County or State Allegations of Child Abuse and Neglect Paternity Special Needs Children Grandparent Visitation Non-Parent Visitation If you are thinking about filing a divorce, parenting plan modification, non-parental custody action, paternity case, or other family law action involving child custody, we invite you to contact our firm for a consultation appointment with a custody attorney. To get you started with the process, you can download and send in our child custody questionnaire below. CHILD CUSTODY QUESTIONNAIRE To learn more about how to file for custody, what to do to prepare for court hearings, how the court makes custody decisions, and more, download our Pennsylvania Child Custody Guide. CHILD CUSTODY GUIDE Experience & Ex. Calculating Child Support in Pennsylvania Child support in Pennsylvania is calculated by a mathematical formula set forth in the law, although the court may deviate from the formula based on special circumstances. There are four main factors that affect the amount of child support payable in Pennsylvania: The physical custody schedule of the child(ren) The number of children covered by the support order The monthly after-tax income of each party Certain additional expenses the parties may incur for the care of the child(ren) To calculate child support, first, determine the combined monthly net income of both parents and use that figure to determine each parent's percent contribution to the combined monthly income. Take that percentage, use the Pennsylvania Basic Child Support Obligation Guidelines to find the applicable Basic Child Support Obligation based on the number of children subject to the order. Then, multiply the Basic Child Support Obligation by the obligor's percentage of the combined monthly income to determine the preliminary monthly basic child support obligation. For example, if the father (obligor) has a monthly net income of $5,000 and the mother (obligee) has a monthly net income of $3,000, the combined monthly net income of both parents is $8,000 ($5,000 + $3,000 = $8,000). The percentage of each parent’s contribution to the combined monthly income would then be 58% for the father ($5,000 / $8,000 = 58%) and 42% for the mother ($3,000 / $8,000 = 42%). In our example, we will assume that this couple has two children, which means that the Basic Child Support Obligation would be $1,795. To determine how much the obligor parent is required to pay in child support to the obligee parent, multiply the Basic Child Support Obligation ($1,795) by the obligor’s percentage of the combined income. In our example, the father is the obligor, so the Basic Child Support Obligation is multiplied by the father’s percentage of the combined income ($1,795 x .58 = $1,041.10). You can use this tool from the Pennsylvania Child Support Program to help estimate child support.

Cost of Nursing Home Care The world's population is aging at a faster rate than ever before and people are living longer year after year. So, now more than ever, it's extremely important to ensure our elderly population receives the medical or living care they require. However, that care can be expensive, and often not all expenses will be covered by medical government programs. If you or a loved one are considering lone-term care, it will prove very helpful to speak with someone who can help you understand your financial situation in the matter. Read more below to see how we can help you. Planning for Long Term Care The world’s population is aging at a faster rate than ever before and people are living longer. Every day until 2030, over 10,000 Baby Boomers will turn 65, and 7 out of 10 of them will require long-term care in their lifetime. Here are some statistics (all are "on average") you should consider: Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years Women need care longer (3.7 years) than men (2.2 years) One-third of today's 65 year-olds may never need long-term care support, but 20 percent will need it for longer than 5 years According to the Genworth Financial Cost of Care 2020 Survey , the average monthly cost of a one-bedroom unit in a Pennsylvania personal care residence or assisted living residence is $4,550. For a private room in a skilled nursing facility, the median monthly cost is $11,268. If you are looking for care for yourself or a loved one, you must understand how you are going to pay for it. Many people believe – wrongly – that Medicare, Social Security or Medicaid will pay for their long-term care needs. Medicare will pay for long-term care only if you require “skilled” services, meaning a short stay in a skilled nursing facility, hospice care, or the costs associated with home health care. Even then, they’ll only cover these costs for a maximum of 100 days. Since the majority of long-term care is non-skilled assistance (helping with eating, moving around, bathing, etc.), it may be safe to assume that Medicare will not cover your long-term care needs. And if you do meet their requirements, once that 100-day window closes, you’re on your own for 100% of the costs incurred. What is Medicaid for Nursing Homes? Medicaid is a federal program for people with low income and few assets. It is a significant source of long-term care coverage for aged persons living in nursing homes in the United States. Medicaid is administered by each individual state in accordance with guidelines created by the federal government. Pennsylvania’s Medicaid program covers children, pregnant women, parents, seniors, and individuals with disabilities, as well as other adults who are eligible for federally assisted income maintenance payments. The Affordable Care Act (ACA) extended Medicaid eligibility to non-elderly adults with incomes at or below 133 percent of the federal poverty limit (FPL) —during 2022, that is $36,990 for a family of four.  States that choose to participate in this expansion receive enhanced federal matching payments. Pennsylvania opted to expand its Medicaid coverage during 2015. Medicaid is paid by both the state and federal governments. The federal government matches a state’s Medicaid spending at a rate that varies based on a formula that determines each state’s financial stability. This match allows states to expand other programs and respond to changes they face, whether it be population shifts, economic change, crisis and disaster, or public health emergencies. Medicaid accounts for almost 10% of federal spending and is often the second largest item in state budgets after education. The federal funds receive by the state are the highest line item on the individual state’s budget. While 78% of Medicaid funds are spent on the care of elderly and people with disabilities, this group only comprises about 30% of the beneficiaries of the Medicaid programs. Medicaid is a signficant payer for long-term care services in institutions including nursing homes. Note that in order to received Medicaid funds for its residents, a nursing home must be licensed for Medicaid. Not all nursing homes are so licensed. If you are considering a nursing home for a loved one who may be eligible for Medicaid benefits, you should check to see if the nursing home is licensed for Medicaid. Regardless of how the money is spent, Medicaid is a lower cost than private insurance due to the set payment rates to providers. Due to Medicaid accounting for around 20% of health care spending, the program is able to enter into agreements with the providers for a cost much lower than private insurance pays. As of February 2021, approximately 3.1 million people were enrolled in Medicaid in Pennsylvania. Medicaid covers 1 in 6 adults, 1 in 3 children, and 2 in 3 nursing home residents in Pennsylvania. Pennsylvania’s Medicaid program has spent upwards of 30 BILLION dollars on health care services and, following the country’s model, the majority of these expenses are in long-term or managed care. Apply for state medical assistance learn more about your financing ability

Our experienced Pennsylvania personal injury attorneys will fight for you until justice is served. If you've been injured or a loved one was hurt in an accident, we can fight for your justice and compensation. Personal Injury Fiffik Law Group, PC has helped thousands of clients suffering from personal injuries get the results that they deserve. No matter what problems you have, you can put your trust in us to get the job done. Our experienced attorneys also handle all insurance-related matters that arise when handling personal injury and auto accident cases. Our attorneys strive to protect our clients’ best interests at all times. Auto Accident Learn More Nursing Home Neglect Learn More Wrongful Death Learn More Mass Torts Learn More Do PA Nursing Homes and In-Home Care Agencies Conduct Background Checks on Staff? Fiffik Law Group, PC Oct 13 4 min read Falls in Nursing Homes: Understanding the Risks, Prevention, and Legal Rights Fiffik Law Group, PC Jul 10 3 min read Hit by an Uninsured Driver in PA? Don't Panic! Here's What You Need to Do. Fiffik Law Group, PC May 20 4 min read Protecting Your Family with Auto Insurance: A Comprehensive Guide Fiffik Law Group, PC Jan 15 5 min read Depo-Provera (Birth Control Shot) Lawsuits Fiffik Law Group, PC Oct 23, 2024 2 min read

The Start-Up phase of a business journey is vital to the future success of the business. Our experienced business law attorneys assist clients with matters involving planning, key financial decisions, and legal processes. Business Start Up Have you dreamed of being your own boss for many years, but don't know where to start? Do you want to know more about owning a business and find yourself asking questions like: How do I turn my idea into a successful business? What are the different types of business organization structures? What kind of forms and licenses do I need to get started? Where can I find financing and loans? What is a business plan and how do I prepare one? Business Subscription Legal Plans Our subscription plans are designed for entrepreneurs from start-up to millions in annual revenue who are ready to add strategic, guided legal support focused on brand and business development. LEARN MORE LLC Frequently Asked Questions The Basics LLC Formation Process Benefits of an LLC LLCs and Taxes Your LLC Has Been Formed What is an LLC? A limited liability company is a business structure that provides limited protection for its members against most debts or liabilities of the company. What is a member? A member is an owner of the LLC. How do I Pick a Name for my LLC? There are a variety of factors to consider when selecting a name. The Corporations Bureau will not approve your name if it is exactly the same or confusingly similar to an existing registered business. You’ll also want to avoid selecting a name that another business outside of Pennsylvania uses or that is subject to an existing registered Trademark. We suggest conducting a name search with the Corporations Bureau first. You should also do an online search for other businesses with a very similar name. You should also have a url (i.e. website address) for your business in mind. You should search the various website registration providers to see whether your name is available for registration. Some names are so long, they are not easily used for a website address or email address. What’s the Difference Between a Corporation and LLC? Both types of entities have the significant legal advantage of helping to protect assets from creditors and providing an extra layer of protection against legal liability. In general, the creation and management of an LLC is much easier and more flexible than that of a corporation. A corporation is also more expensive to form because you are required to advertise its formation, which typically costs several hundred dollars. There is no advertising requirement for LLCs.