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With the end of the year fast approaching, now is an excellent time to discuss the favorable tax treatment of long-term care insurance ("LTCI") premiums.
The Internal Revenue Code categorizes LTCI contracts as either qualified or non-qualified. In order to be qualified and receive favorable federal income tax treatment of premiums, a LTCI contract must meet the following criteria:
It can only cover qualified long-term care services, such as: diagnostic, preventative, therapeutic, ...
In observance of the holidays, Krause Financial Services will implement the following schedule:
December 24th, 2010: Closed
December 31st, 2010: Closed
Normal business hours apply to weekdays not referenced above.
Many of the insurance companies utilized by Krause Financial Services will be closed during the holidays; check with a representative to ensure that your pending insurance business will meet any deadlines.
The Ohio First District Court of Appeals has jumped on the bandwagon of improperly imposing a penalty period on a Medicaid applicant whose spouse purchased an annuity.
In the most recent case, Rorick v. Ohio Department of Job and Family Services, Mr. Rorick was admitted to a nursing home on May 29th, 2008, while Mrs. Rorick continued to reside in the community. At the time of institutionalization, the couple had combined resources of $74,224.61. On July 21st, 2008, Mrs. Rorick pur ...
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