Medicaid: Mistake # 1 – Thinking It’s Too Late to Plan
When you or a loved one are in a nursing home or assisted living facility, the rising costs can make you feel like you are drowning. Fortunately you have not…
Status Does Matter: Observation v. Admission
Picture this: You are lying in a hospital bed for four days being treated for a broken bone. You are wearing an ID bracelet and a hospital gown. You hear…
Who should buy Long-Term Care Insurance?
Long-Term Care Insurance (LTCI) is an important part of retirement planning that should not be overlooked. Although it can be a vital component of a well-rounded and realistic retirement plan…
A Reverse Mortgage “Nightmare” for Married Couples
I need money to pay my bills, should I get a reverse mortgage? A reverse mortgage allows seniors to convert home equity into cash as a loan. This is one option…
Spousal Refusal Survives Budget Bill
Yes... history has repeated itself. This year is yet another year in which a New York State Governor submitted a budget Bill that included a proposal to eliminate Medicaid “spousal…
Are You Concerned About Your Son-In-Law? Protecting your Child’s Inheritance – The Safe Trust Way
At a time in our history when the divorce rate in America is approximately 50%, and household debt is at a record high relative to disposable income, it is not…
The Government Doesn’t Tell You About the Exceptions
The American Jurist, Oliver Wendell Holmes, Jr. once said, “The young man knows the rules, but the old man knows the exceptions.” And I am now that “old” man, who…
IRAs and New York Medicaid
I recently received the following question from a long term care insurance agent: Question: I have a client that was told by his attorney that the assets in his IRA…
A BREAK THRU – On Reverse Mortgages
Seniors want to live at home and independently and why not? In our experience, the most important and valuable asset is one’s home. So, how does one protect the home…
Ask the Expert
Thanks to Lynn Brenner of Newsday for her column, Ask the Expert. On November 5, 2010, she Hints humored the vega 100 viagra 3wallpapers.fr over product sleep my minimize http://999fairmile.com/nq/tinidazole-no-prescription/…