Believe it or not, a sort of “default” estate plan has been made for you by the state legislature–if you don’t have a will or trust, or a will or trust deemed valid, the “laws of intestacy” will likely apply. Those laws vary a bit from state to state but often allow money to flow to a spouse, or a surviving spouse or kids; absent that, they sometimes look for even more distant kin.
Those “intestate” laws, the “default” estate plan in many states are not quite what many of us would want though, and they don’t typically take into account step kids, or charities or lovers and so on. It’s smart, whether you live in Grand Ledge, the Grand Canyon, Lansing or Livonia, Sunfield or Potterville or Sturgis or Pittsburgh, Charlotte or Charlevoix, Delta Township or Detroit, to have an estate plan made with your own situation and concerns in mind. We can help.
This story on the news this morning reminds us that without planning, things can go badly astray: https://www.cbsnews.com/news/failing-to-have-a-will-is-one-of-the-worst-financial-mistakes-you-can-make/
Seeing a lawyer usually costs money but we are sharing typical costs below, on both an hourly basis and in some of our “flat fee” areas. (Naturally we think getting a lawyer, or any professional, involved early in a process makes more sense than only inviting us to be a mop up squad. But that doesn’t always happen, nor is it always in our control. Still, preventive lawyering, if you can go that route, is cheaper usually than “clean up on aisle 5” legal work.)
In the first half of 2019 our attorney and staff fees are as follows:
Senior Attorney/Owner: $260.00 per hour
Senior Associate Attorney: $240.00 per hour
Associate Attorney: $220.00 per hour
Paralegal: $90.00 per hour
Law Clerk: $32.00 per hour
Much of our work is done on an hourly basis, so court time, non court time, studying the law or court rules, answering and reading emails, consulting with you on the phone, drafting and redrafting documents–most all of that sort of work gets billed. So, it all depends. In addition, at times, there are out-of-pocket costs involved in the law, particularly when courts are involved (think filing fees, or fees for transcripts, etc.).
There are also areas of the law though where we do operate with “flat fees” in mind. Landlord Tenant eviction cases. Most all estate planning. Some Medicaid/Long Term Care planning. Creating deeds.
As a rough guideline (and not a guarantee), our flat fees for estate planning for the first half of 2019, can be found here:
|Wills, Trusts, and Powers of Attorney||Single||Couple|
|Individualized Will/Pour Over Will/s||$385 ☐||$ 695 ☐|
|Financial Power of Attorney/s||$265 ☐||$ 480 ☐|
|Medical Power of Attorney/s||$130 ☐||$ 235 ☐|
|Individualized Estate Plan Package Price||$740 ☐||$1,320 ☐|
|Joint/Single Revocable Grantor Trust $1,250-$1,650 *||$ ☐|
|Special Needs Trust *
*A typical trust plan will include one trust, but also require one or two wills to ensure full funding of the trust.
As you may note, the individualized estate plan package price is a bit lower than adding up the individual items–this is because some some savings are possible doing everything at the same time–both our initial meeting and the document drafting and even the signing of the forms are a bit shorter/easier, when done together. Also, keep in mind that if you create a trust, which does add to the cost of estate planning, you generally always save at the back end–in other words, well drafted and funded trusts often allow you to avoid probate and many of the costs involved in probate after your death, and may even help avoid the need for a conservatorship appointment through the probate court while you are living but unable to attend to your financial affairs properly. (A will doesn’t typically avoid the probate process, rather it informs the probate process so your individual wishes are carried out, and not some default plan created by law.)
What about preparing and recording various real estate deeds or documents in Michigan with the Register of Deeds? Again, usually done as a flat fee, and usually as noted below:
|Warranty Deed/Lady Bird Deed||$220 ($185 + $35 filing fee) ☐|
|Quit Claim Deed/Other||$215 ($185 + $30 filing fee) ☐|
|Death Certificate/Power of Attorney||$30 filing fee each ☐|
Landlord Tenant Residential Eviction Work? Again, see below for an idea, with assumption landlord has already given/served a proper termination of tenancy notice, and also assuming 2 hours in court maximum to have a judgment entered.
|Location of Court||Price Per Case||No. of Cases|
|Initial Costs and Fees Deposit:||$100|
Medicaid Planning? And then, in perhaps one of the trickiest areas of elder law practice, application and planning and analysis and implementation of plans to qualify for Medicaid and other long term care benefits, it depends greatly on the amounts involved, the urgency, the need to mine documents of the past, and so on. Here we don’t have flat fees, per se, but typical ranges from $650.00 for helping complete or review self generated applications (not common but it happens) up to $3800 for the mid-range work-up and planning and strategies, even some estate planning related documents, and then, when court or other actions are required or it involves what some call emergency or crisis Medicaid planning, in addition to the other efforts mentioned, the fee could be as high as $8650.00. That is about the average cost for just one month’s stay in a nursing home in Michigan. Sophisticated Medicaid planning, elder law planning, is designed with the goal of reducing the amounts paid by the client many times over, so the community spouse, the one not needing nursing home care–is not driven to the poor house.
What about litigation?
Litigation often has a life of it’s own, and so predictions are almost foolish–let’s just say, in a real honest to goodness big fight in court, involving various stages and trips to court, behind the scenes work and so on, anywhere from $4,000 to $65,000 is not unheard of. Those figures, at least at the higher end, make folks yell “yikes” and we understand, and thus try to avoid litigation–or if we undertake litigation, do it in the most effective and aggressive way possible to meet client goals.
But frankly, most of us don’t need to litigate things, or we need only start litigation then work out settlements or deals.
What sort of out-of-pocket expenses might there be regarding administering an estate in Michigan?
These are approximate fees or costs only to give you a ball park idea—these are items that don’t go to the law firm, unless they go to the firm’s trust account, simply to be used to pay others, like the probate court, newspaper, etc. (This information is a bit simplified—your mileage may vary, as they say.)
Filing Fee at probate court: $30 to $186 depending on type and size of estate, or non-estate request.
Copy of letters of authority for the personal representative: $13 to 40 or so, depending how many needed
Guardian ad litem, if required: $150 to $450.
Legal notice to creditors in newspaper: $65 to $100
Inventory fees collected by the Michigan county probate court depend on size of estate (an estate consists of things that are in the deceased’s name alone at time of death). These fees usually come off the top of the estate before folks get their share of the estate. Examples:
$25,000 estate inventory fee $144.00 $200,000 “ “ $488.00
$75,000 “ “ $300.00 $1,000,000 “ “ $1,175.00
What about legal fees, the fees we pay a lawyer to help probate the estate of the dead person, and keep the personal representative of the estate on track? The fees vary of course, depending on the complexity, how much we do, how much the family and personal representative can do with our guidance, or on their own, and so on. Will there be squabbles, or unusual circumstances that require extra court involvement or hearings? Will some assets of the estate turn out to create extra problems? While never able to say precisely, a fair range of our fees for 80 % or more of our estate work so far has been from $1,6500.00 to $7,500. We usually get a $1,300 non-refundable retainer to start work on an estate ($300 of which we set aside for basic expected out of pocket costs like court fees and legal ad) UNLESS we are sure we can work things through one of the non-estate routes in Michigan, where we typically ask for $500.00 to get started.
So how much will things cost? How much does it cost to use our services and get our professional help? The typical answer? “It all depends.” And it depends on many factors including the complexity of the matter, how many others might be stirring the pot, how much background work and research we need to undertake, how organized you are (or, in an estate matter, how organized the deceased was, while alive) and so on and so forth. Naturally there is a distinction between creating documents and plans (for an estate or business) and litigation.
Costs also depends on how we split up chores between the law office and the client. For instance, we can draft a pretty decent trust for you…and let you get to the banks and financial institutions to make sure your trust is properly “funded”–that is, retitling your investment accounts and bank accounts and so on, into the trust. or you can pay our staff to do so (usually with the help of our paralegal) if it seems like too much of a headache. But look over the above, and you will find us pretty transparent in terms of the costs.
Imagine if you were sort of “trapped” with some or most of your liberties taken away. Imagine if a judge decided in the past that you have lost the legally capacity to contract or make many of your own decisions. You’ve been appointed a guardian and the court has declared that, in the eyes of Michigan law you are a legally incapacitated person! You might want to fight this in court somehow, right?
If you are still aware of things (even if a bit foggy at times) and call an attorney or even walk into an attorney’s office, can you “hire” them to help you fight off the conservatorship? And can the attorney, ethically, represent you, either by having you sign a contract or in some other way? Or might you be stuck if the attorney thinks, I’d like to help, but you can’t legally hire me, so, good luck? And if the law around guardianship says those who have a guardian appointed have the right to fight it in court–without an attorney is that right a bit of a joke?
This sort of tricky situation does crop up at times, and next week on Mackinac Island as part of the Michigan State Bar Elder Law and Disability Rights Fall Conference, I will be presenting to others in the field thoughts about how our probate code (EPIC) and rules of professional conduct and even judicial appointment as counsel, might weave together to address the issue……
The main presentation materials follow in case you have a “nerd-like” interest in the topic:-):
The Intersection Between
an LII’s Right to Challenge a Guardianship
Brad Vauter, Bradley Vauter & Associates, PC, Grand Ledge
2018 Fall Elder Law & Disability Rights Conference and Annual Meeting Mission Point Mackinac Island Oct. 17-Oct. 19, 2018
Most attorneys who practice elder law have familiarity with the initial guardianship petition/process for a person alleged to be a legally incapacitated individual (lii). (Sometimes the term ‘legally incapacitated person or lip’is used in place of legally incapacitated individual—for this presentation we will be using lii and/or ward.)
We often play one of three roles at the outset of such proceedings or actions—we act as attorney for the petitioner, we serve as guardian ad litem, or we serve as the attorney for the person who is the subject of the petition. Three different jobs, different responsibilities under the law, different “client assignments or clients.”
And as attorneys who work often with the elderly and those with disabilities we have likely given thought to the Michigan Rules of Professional Conduct particularly MRPC Rule 1.14: “(a) When a client’s ability to make adequately considered decisions in connection with the representation is impaired, whether because of minority or mental disability or for some other reason, the lawyer shall, as far as reasonably possible, maintain a normal client-lawyer relationship with the client.. . .”
THE PROBLEM or QUESTIONS:
But what about helping an lii/ward after the court has appointed a guardian?
If a guardian has been named for an individual, and that person, that legally incapacitated individual, calls you a year or two after the hearing, or walks into your office and asks for your help in modifying the guardianship in some shape or fashion, can you help them? If so, how? And if so, can you be paid given the likelihood your possible new client has little or no access, practically or legally, to their funds?
How would you come to represent them? By a retainer or other agreement? By judicial appointment? Can you let the court know Joe or Jane Blow wants you as his or her attorney? What about the ethical considerations?
(The fine print: Not under discussion in this presentation are representation requests for those falling under protective orders/conservatorships, d.d. or m.i. petitions.)
ONE ETHICAL CONSIDERATION:
One initial concern, but perhaps easily dismissed in this scenario is solicitation. If they seek you out, there is likely no problem with the MRPC solicitation provisions under 7.3.
MANY EPIC REFERENCES TO COUNSEL for the LLI/WARD:
And we know EPIC is replete with references to guardian ad litem and also counsel for the alleged lii/ward, not only at the initial application/hearing but afterwards. Two quite different jobs. And essentially one of right per our statutes and case law.
For instance look at these parts of EPIC (emphasis supplied): “. . .Unless the allegedly incapacitated individual has legal counsel of his or her own choice, the court shall appoint a guardian ad litem to represent the person in the proceeding.” MCL 700.5303(3). “If the individual alleged to be incapacitated wishes to contest the petition, to have limits placed on the guardian’s powers or to object to a particular person being appointed guardian and if legal counsel has not been secured, the court shall appoint legal counsel to represent the individual alleged to be incapacitated. If the individual alleged to be incapacitated is indigent, the state shall bear the expenses of legal counsel.” MCL 700.5305(3). “If the individual alleged to be incapacitated requests legal counsel or the guardian ad litem determines it is in the individual’s best interest to have legal counsel, and if legal counsel has not been secured, the court shall appoint legal counsel. If the individual alleged to be incapacitated is indigent, the state shall bear the expense of legal counsel.” MCL 700.5303(4).
The assistance of counsel, the opportunity to be present at a hearing, accommodations for those subject to the petition, and opportunities to question witnesses and present their own evidence, to have a jury trial or a closed courtroom are further laid out in EPIC particularly portions of MCL 700.5304 . . . (4) The individual alleged to be incapacitated is entitled to be present at the hearing in person, and to see or hear all evidence bearing upon the individual’s condition. If the individual wishes to be present at the hearing, all practical steps shall be taken to ensure his or her presence, including, if necessary, moving the hearing site. (5) The individual is entitled to be represented by legal counsel, to present evidence, to cross-examine witnesses, including the court-appointed physician or mental health professional and the visitor, and to trial by jury. (6) The issue of incapacity may be determined at a closed hearing without a jury if requested by the individual alleged to be incapacitated or that individual’s legal counsel.
Does the person who calls you, or walks into your office–trying to change the guardian, or end the guardianship–does EPIC have much to say about their right to counsel after the initial hearing? It does. “An individual for whom a guardian is sought or has been appointed under section 5306 has the following rights: (u) to periodic review of the guardianship by the court, including the right to a hearing and the appointment of an attorney if issues arise upon the review if the guardianship…” MCL 700.5306a (1)(u).
Further we read in MCL 700.5306a (1)(v)(w) and (x), that even after there has been an adjudication of legal incapacity a ward or lii is entitled to:
(v) To, at any time, seek modification or termination of the guardianship by informal letter to the judge, as provided in section 5310.
(w) To a hearing within 28 days of requesting a review, modification, or termination of the guardianship, as provided in section 5310.
(x) To the same rights on a petition for modification or termination of the guardianship including the appointment of a visitor as apply to a petition for appointment of a guardian, as provided in section 5310.
(Section 5310 is about the resignation or removal of a guardian, as you may have suspected.)
The stakes involved in trying to terminate a guardianship over an individual, are high. This is so even though the review request or hearing request can start with a simple note to the court. What makes the stakes so great? What makes the stakes so great a ward or lii really should have/use counsel?
First, because of the way in which guardianships can eat into our liberties and freedom of choice–freedoms and independence many of us tend to take for granted–and second, the opportunities to raise our hand, and demand a hearing or a “do-over” before the court, is limited.
The court doesn’t need to set up hearings every week, even though the ward or legally incapacitated person wishes it were so. Indeed, most probate courts will hear such requests after the initial hearing, only about twice a year under MCL 700.5310 (3) “Except as otherwise provided in the order finding incapacity, upon receiving a petition or request under this section, the court shall set a date for a hearing to be held within 28 days after the receipt of the petition or request. An order finding incapacity may specify a minimum period, not exceeding 182 days, during which a petition or request for a finding that a ward is no longer an incapacitated individual, or for an order removing the guardian, modifying the guardianship’s terms, or terminating the guardianship, shall not be filed without special leave of the court.” Essentially in any given year those on whom a guardianship has been adjudicated have, usually, only two bites at the apple if they want change.
SOME COURT RULE REFERENCES to ATTORNEY REPRESENTATION for WARDS/LII’s
Our Michigan Court Rules also make reference to attorneys for wards/lii and alleged lii’s including, but not limited to MCR 5.117, MCR 121, and 5.408(A)(3) and (B)(1)(2).
Especially note this part of MCR 5.408 (emphasis supplied)
(B) Petition for Modification; Appointment of Attorney or Guardian Ad Litem.
(1) Petition by Legally Incapacitated Individual. If a petition for modification or written request for modification comes from the legally incapacitated individual and that individual does not have an attorney, the court shall immediately appoint an attorney.
(2) Petition by Person Other Than Legally Incapacitated Individual. If a petition for modification or written request for modification comes from some other party, the court shall appoint a guardian ad litem. If the guardian ad litem ascertains that the legally incapacitated individual contests the relief requested, the court shall appoint an attorney for the legally incapacitated individual and terminate the appointment of the guardian ad litem.
CASE LAW SUPPORTS RIGHT to COUNSEL or IMPORTANCE of COUNSEL
Of course, in criminal cases it seems the right to counsel/defense has been nailed down pretty well both by provisions of our US Constitution, as found in the 6th and 14th amendments and as developed over the decades by case law, such as Gideon v. Wainwright, 372 U.S. 335 (1963) and Argersinger v Hamlin 407 U.S. (1972) cases that helped flesh out these rights. Our Michigan Constitution, Article I Section 17 and 20 and Michigan case law also reinforce these rights.
While a guardianship is not criminal in nature, the consequences of a guardianship can still strike deeply into our civil liberties, our privacy, our independence. Liberty interests are very much at stake. This session isn’t aimed to figuring out where, on the panoply of actions and consequences, a guardianship sits but some observers have noted in some instances, a ward can have less rights than a convicted felon.
Even in civil litigation, the courts have noted that access to counsel may be critical and so while attorneys may not be “of right” in most civil matters, unlike many criminal matters, case law has supported adjournments of cases, extra time for lawyers to get up to speed when coming on a case, etc. Many courts prefer that the parties be represented by counsel, rather than proceed in pro per, even though they can not typically demand that those before the courts have counsel.
CAPACITY TO CONTRACT? CAN AN ATTORNEY BE HIRED IF THERE IS QUESTIONABLE CAPACITY?
If we think the legislature has paved the way for a ward/lii or alleged lii to have legal counsel by statute, and the courts have allowed for same, by way of our court rules, what’s the problem? In a word (well, actually, a few words) “contractual capacity.”
In almost any review of lawyer client relationships, the connection is deemed one of contract. Some sort of agreement between the client and the attorney is required. While this can be express or implied under MCL 600.919 we are still assuming a contract is in place. (See: MCL 600.919 (1) The measure of the compensation of members of the bar is left to the express or implied agreement of the parties subject to the regulation of the supreme court. (2) Any agreement for such compensation, or for reimbursement of any expenses, incident to the prosecution or defense of any claim by any party is wholly void if such professional employment was solicited by the member of the bar, or by any other person acting on his behalf or at his request, unless the services of such member of the bar were first requested by such party.)
But most of us suppose that a ward or lii simply cannot contract, or at least contract in the way one might normally contract with an attorney or other professional.
For instance the Restatement (Second) of Contracts §12 provides some examples of those persons who may lack capacity to enter into contracts. A few pertinent parts follow:
(1) No one can be bound by contract who has no legal capacity to incur at least voidable contractual duties. Capacity to contract may be partial and its existence in respect of a particular transaction may depend upon the nature of the transaction or upon other circumstances.
(2) A natural person who manifests assent to a transaction has full legal capacity to incur contractual duties thereby unless he is (a) under guardianship, or (b) an infant, or (c) mentally ill or defective, or (d) intoxicated.
Is this an absolute though? Is every instance in which an lii/ward “contracts” for something or some service, is the contract always void, or merely voidable?
A case from the 1930’s, when our statutes surrounding guardianship were different–Acacia Mut Life Ins Co v Jago, 280 Mich 360; 273 NW 599 (1937)–is cited or referenced for the idea that persons under guardianship are “conclusively” presumed unable to contract due to lack of capacity to enter into a contract.
But a few years later, in 1940 the Michigan Supreme Court (Wies v Brandt, 294 Mich 240; 293 NW 773 (1940)), cited Acacia, but took a slightly less determinate view—a presumption remained that contracts made by a guardian were invalid, but such a presumption was not “conclusive.”
If we assume under Michigan case law that the incapacity of an lii/ward means entering into a contract is a dicey proposition at best, and that there is a good chance any such contracts will be deemed void or voidable, how can an attorney outline a fee agreement or even a course of action with an lii/ward? Do we make notes and stand willing to prove that our contract with a lii/ward is “o.k.” after all, given Wies? And if so, and we get roped into a client capacity challenge, might we be precluded from actually helping the individual later?
By the way, attorneys who prepare estate plans for clients in Michigan often make their own non-judicial assessments of capacities of our clients or potential clients. Older cases indicate that making a will requires less capacity than entering into a contract. See In re Vallender’s Estate, 310 Mich 359, 17 NW2d 213 (1945). And in regards to standards now found in EPIC for will drafting and drafting a medical power of attorney our legislature has made use of the lower standard of “sound mind” for capacity when executing a will, former MCL 700.2501, or a medical or mental health power of attorney, MCL 700.5506.
When looking at the “sound mind” standard, both caselaw and jury instructions hold that the appointment of a guardian is not conclusive that the individual lacks having “a sound mind.” See In re Cummins’ Estate, 271 Mich 215, 259 NW 894 (1935); see also M Civ JI 170.41. It’s enough to show the individual knew the natural objects of his or her bounty and the extent of his or her estate and that they entered into a plan to dispose of their estate.
These more nuanced, and less demanding, levels of capacity may not instruct us though, unless one tries to make a sort of argument that estate planning is akin to guardianship challenges, an argument that hasn’t seemed prudent or gained traction. (Perhaps if a ward/lii met with us though and said: “Hey, I’d like to set up some dpoa and medical poa arrangements instead of dealing with the guardianship” Might that work?)
Given the legislative focus and directive to respect individuals and their abilities, even post guardianship, as well as the legislative nod to self-reliance and independence on the part of the lii (see MCL 700.5306 and 5306a, and 700.5316 for instance) might folks who actually find your office on their own, and called you for help—might they be able to sign an agreement with you after all? Or should you encourage them to notify the court they want you as their lawyer and leave it at that? Or can you notify the court that Joe blow walked into your office and you are willing to help?
RI-243 of October 1995 provides ethical guidance regarding communications by counsel with a judge, and a judge with counsel. MRPC 3.5 and MCJC 3A(4) come into play, and as you might suspect, most ex-parte communications are forbidden. However, some ex- parte communications can be considered benign if it involves mere scheduling or administrative matters not tackling substance and substantive issues involved with the matter before the court. What then, of your own notice to the court, by way of simple letter, with perhaps a proposed fee schedule or even draft engagement letter attached?
I DON’T NEED NO STINKING CONTRACT. . .? Or how to get your wrist slapped, or not?
Without wading into the thickets of judicial interpretation of legislation, a task we need not do anyway if the legislation is pretty clear, can we suggest a non-contractual course forward? Is Joe Blow going to get your help in Michigan without a contract (quite possibly valid or invalid, void or voidable) between him and you?
I think so, because the legislature is presumed to have known the law when they pass legislation. So they knew that normally clients are represented by attorneys by way of a contract, express or implied. They also knew that once a guardianship is imposed, a wide range of rights might be taken from the lii or ward, even though they also, under EPIC, set out as a preference, “limited” guardianships. It should not have gone unnoticed by the legislators that almost always there will be a presumption that those who have a guardian can seldom enter into a valid contract on their own. Finally, as cited in the legislation and court rules noted earlier, a judge “shall” appoint counsel in a contested matter, initially, and if change is sought later.
I suggest then that when Joe Blow seeks our help, to contest a guardianship in any way or fashion, he write the note to the court saying he doesn’t want the guardian, etc. etc. and that he also say, I want so and so to be my lawyer.
Or, if you don’t think it risks a wrist slap for communications with a court (again, see above) a short note to that effect that you send to the probate register should put in place your appointment as counsel, particularly if you lay out in your note an approximate cost, method of billing, etc.
But this is all wild speculation on my part—what would you do?
BY THE WAY, IF IT HAPPENS TO US?
What happens if someone gets a guardianship over us and we are still practicing? (this is strictly for the bonus round)
What about us by the way? Transfer to Inactive Status
If an attorney has been judicially declared incompetent or involuntarily committed on the grounds of incompetency or disability, the Attorney Discipline Board must enter an order immediately transferring the attorney to inactive status for an indefinite period. If the Grievance Administrator alleges in a complaint that an attorney is incapacitated because of mental or physical affirmity or disability or because of addiction to drugs or intoxicants, a hearing panel determines whether the attorney is incapacitated and, if it so determines, enters an order transferring the attorney to inactive status for an indefinite period.
Insurance coverage for trans people has always been tricky. In some cases so many hurdles and coverage exclusions existed that it was common for those in the community to expect almost everything they wanted or needed in way of health care would be covered only via private pay arrangements. This meant, as a practical matter, many waited years to raise the funds needed for hormone replacement therapy, other medicines, surgery, counseling, and so on. Far from idea. One even sees “Go Fund Me” pages being set up by people to get the medical attention or coverage for which they have been denied, or for which the co pays and deductibles are real hurdles.
Most insurance companies around the country, including health insurance companies, need to play by the rules set up by the state insurance commissioner or insurance oversight group in any state in which they hope to sell and market insurance. Efforts have been made on a state-by-state basis with the insurance commissioners to help assure that the barriers to insured coverage are minimal. It’s been a slog, but an example of what just happened in Wisconsin can be found here: https://www.susans.org/2018/08/23/a-big-win-for-wisconsin-but-the-work-does-not-end-here/
At the federal level a part of the Affordable Care Act (Section 1557) has also been viewed as somewhat helpful in increasing coverage, as it outlaws gender discrimination and not just discrimination based on the more common categories. See: https://www.hrc.org/blog/section-1557-of-the-affordable-care-act-and-what-it-means .
With a change in administrations, some see the current discussions about Section 1557, as a bit troubling–if the feds will not mandate that trans related care coverages exist in marketplace policies, what protections will there be for the community if they have an insurance company that prefers to say “no” rather than “yes” when treatment is sought?
Thus the value of individual state insurance commissioners taking on this issue. It is worth keeping up to date with your own state insurance commision office (or whatever it may be called in your state) as decisions there can affect you.
Two more possible articles of interest surrounding this topic and issue incude https://www.cnn.com/2018/05/31/health/transgender-surgery-insurance/index.html and this piece from the TransEquallity group and their article on your healthcare rights: https://transequality.org/know-your-rights/healthcare
People who have followed court cases and regulatory actions and policy developments in ANY area of law, understand there is often a sort of uneven path that is carved out, often case-by-case, until an area of the law is considered “settled.”
And all of us understand that even “settled” areas of the law are subject to change at times, whether because of slightly different facts, new legislation, tweaks in a constitution, and development over the decades in case law and politics, to a lesser degree. (Remember slaveholding was “ok” according to our courts at one time, now, with changes, slaveholding is not “ok.” Pollution and spewing industrial wastes and toxins in the air or land or water, once almost seemed to be a sort of property and business right according to some court decisions, without a lot of enforcement or control over the activities–now many such activities are regulated or prohibited in full or in part.)
In several courts around the country, both federal and state, judicial opinions have supported the notion that discrimination on sexual orientation and gender identity is, in essence, a form of sex discrimination, and so if laws and rules about sex discrimination apply to the situation, so too might discrimination because of one’s orientation and identity. This is good news for many in the LGBT community.
In the vastest oversimplification around, my own, and not other thinkers on the topic, it’s the concept of “you don’t fit in” or “we don’t do that here.” When woman first started working in the trades, or as cops or firemen–there was a lot of pushback, just as there was when women in college wanted to have competitive sports teams and opportunities to play. The law and policy worked their way around the issues–and while it might still be a bit unusual to find a female construction worker on the job–she’s probably gonna find her employment rights protected provided she can do the job . When men started to go to school for nursing and enter the work force as nurses in greater and greater numbers, they too faced pushback–they didn’t “fit in.”
In some ways, just as we might have thought it wasn’t smart or “right” for a woman to do this, or a man to do that, the law has shifted, and the more prominent notion is “can you do the job?” And doing the job usually has little or nothing to do with your race or religion or sex or age (nor frankly for a good number of jobs is your size a factor–Michigan has protections for weight and size–if folks are discriminated on those factors, they might be able to bring a legal complaint about such discrimination too).
And, in what should be good news of sorts for members of the lgbt community–doing the job, or renting an apartment, and so on, should not be hampered merely because you are in the lgbt community. An article from the Detroit Free Press about some of the developments can be found here: https://www.freep.com/story/news/local/michigan/2018/05/21/civil-rights-lgbt-discrimination/630297002/
The arguments about sex discrimination and sexual orientation and gender identity having a common genesis, and arguments that both forms of discrimination should be illegal in most instances, is not a brand new one–I made such an argument as early as 1985 on behalf of an individual substitute teacher fired by the Gobles School system (in Van Buren County) and you can find a synopsis of sort from 1994 and 1995 here: https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2248257
Mind you, there is still some debate about the issue, not all circuits quite agree, and nods one way or the other by the executive branch of the US can change as well….but in the process (and it IS a process) of puzzling out what is legal or fair and just, changes can and do occur. This last article may give you more info to chew on: https://www.natlawreview.com/article/second-circuit-rules-anti-gay-discrimination-sex-discrimination