“If I have life insurance in place, will I be able to keep it if I apply for Medicaid or VA benefits?” We get this question a lot from people applying for Medicaid or VA benefits eligibility, and the answer is not be as simple as it may seem. In a Medicaid context, in both […]
Do Living Trusts Protect Assets From Medicaid or VA Spend Down?
Living Trusts are valuable estate planning tools, but they don’t do anything to protect your life savings from long-term care costs during the Medicaid or VA spend down process. For that purpose, we need a different type of trust that can work together with your Living Trust called an Asset Preservation Trust. In this Elder […]
If You’re Married and Over 65, Your Wills are Probably Wrong
If you are like most married couples, you probably have your Wills already set up. But, have you thought to look at what they really say and if that is what you really want now? As we age, the chance that either of the married couple will need long-term care increases. Do your Wills help protect […]
Medicaid and Your “Exempt” Residence: What the State Doesn’t Want You to Know
I’m applying for Medicaid, will my residence be exempt? If you look at the rules online, or even if you talk to a caseworker, you will learn that Medicaid rules state that you can have an exempt residence. That is great news for the many homeowners looking to apply for benefits. They can own their […]
Why You Want to Avoid Guardianship or Conservatorship For an Alzheimer’s Victim
People diagnosed with Alzheimer’s will, unfortunately, eventually lose their capacity for making decisions. When this happens, if they don’t have someone who’s been given authority to act for them through powers of attorney, the only alternative is court proceedings that are known as guardianships and conservatorships. There are many reasons why you would want to avoid guardianship or […]
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