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Wednesday • July 10th • 2013
Illinois Law Now!
Question: What legal protection is afforded to Illinois homeowners to assist them in avoiding foreclosure? Answer: The Homeowners Protection Act gives Illinois homeowners who are behind in their mortgage payments a grace period of up to 90 days during which the lender is precluded from initiating foreclosure proceedings. Homeowners are strongly advised to use the additional time to consult with a lawyer or qualified housing counselor to work out a payment plan with their lender. For information about foreclosure prevention counseling, visit http://www. keepyourhomeillinois.org/index.php/counselors.html. Question: Is it illegal to discharge fireworks in Illinois? Answer: The Illinois Fireworks Use Act states that only licensed pyrotechnic operators who obtain permits can organize public fireworks displays. Private citizens should consult the local ordinance in the village or municipality of their residence before discharging fireworks. Consumer fireworks, which include such items as fountains, repeaters and parachutes, are only permitted in villages, municipalities and counties which have passed ordinances allowing their use. Many popular forms of fireworks, such as firecrackers, bottle rockets and Roman candles, are not allowed in Illinois. Novelty fireworks, such as snakes, sparklers, and party-poppers, are not regulated by the state, although municipalities have the authority to enact ordinances prohibiting the sale and use of sparklers on public property. Sparklers, which are especially popular with children, present a danger because of the high temperature of the wire during and after their use. Therefore, children playing with sparklers should be closely supervised by adults. For more information about Illinois law, visit www. illinoislawyerfinder.com. If you have a legal question, send it to illinoislawcolumn@isba.org.
Speaking Of Seniors
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Helping A Priest With Medicare Problem
WOODROW Wilcox Recently, I have had the privilege of helping a priest with Medicare related medical bill problems. The main problem for the priest is that Medicare can’t keep its records straight. The priest received some medical services on 04/09/2013. Unfortunately, Medicare sent the claim to the priest’s previous insurance company and not to the priest’s current insurance company. One of the agents at our agency helped the priest to change his Medicare supplement insurance company and policy effective on 02/01/2012. That means that Medicare’s records on the priest for his Medicare supplement insurance policy company were OVER A YEAR BEHIND AND INACCURATE. I have been sending letters to his medical service providers which simply acknowledge that neither their firm nor our client caused the problem of unpaid bills. Medicare caused the problem. In the letters, I tell the medical
service providers what they should send to the correct insurance company in order to get the claims paid. There are many problems with the Medicare system. Very soon, everyone will experience problems under Obamacare which will be similar to, but worse, than the problems that seniors have had with Medicare for years. The devil is in the details and the demons love to cause problems for the innocent. Note: Woodrow Wilcox is the senior medical bill case worker at Senior Care Insurance Services in Merrillville, Indiana. He has helped clients of that firm to save over one million dollars by correcting medical bill errors that were caused by mistakes in the Medicare system. For other articles by Wilcox, visit www. americanclarion.com/ author/woodrow-wilcox/ and to learn about his book, visit www. solvingmedicareproblems. com.