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I Have to Make Medicaid a Beneficiary?!
"Then what's the point of using a Medicaid Compliant Annuity?" I hear this quite often, in both working with newer elder law attorneys and families of the elderly. With the state Medicaid agency...
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A Year in Review: Top 10 Blog Posts
With 2012 coming to a close, now is a perfect time to reflect on all that's happened throughout the past year. I thought I'd start by looking through my blog posts of 2012, many of which signified...
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Do You Find Annuities Confusing?
You're not alone. If you're not an insurance agent annuities can be confusing. I'm frequently asked questions regarding the difference of annuities, and how the difference kinds are treated for...
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What's Happening to VA Planning with Annuities?
As Veterans Benefits planning increased in popularity, so did the use of insurance products in the planning marketplace. On the rare occasion one would see an immediate annuity incorrectly classified...
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Annuities: Revocable vs. Irrevocable
Recently I've seen quite a bit of confusion on various elder law listservs relating to annuity policies and the provisions they entail. Specifically, the confusion has been surrounding the...
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Planning Around Existing Life Insurance
It's quite common for a family to bring in documentation for a handful of old life insurance policies during your planning meetings. However, if the face valued of a policy is greater than $1,500 (in...
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The "I'm Going to Shop Around First"
In that my office generally does not work with the public, but rather with attorneys and insurance agents, I don't hear this as often as I'm sure you do when it comes to plans involving Medicaid...
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Assisted Living Facilities and Medicaid
Assisted living facilities are an important component of the long-term care system. I'm continually surprised by the amount of elder law attorneys that are unaware of the opportunities involved in...
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What Happens if You Exceed Resource Limits During a Penalty Period?
My office receives no shortage in calls from attorneys and agents whose clients received an inheritance or had a home sale in the midst of a Gifting/Medicaid Compliant Annuity plan (also referred to...
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What is the Appropriate Length for a Spousal Medicaid Compliant Annuity?
"How does the community spouse's monthly income affect planning the payout period of the Medicaid Compliant Annuity?" This was a question recently submitted through this website. It's an excellent...
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