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I am working with an insurance company which has developed the newest Medicaid planning product. The product was designed for families of all wealth, but really has a special interest amongst those families in the low to moderate range. The product is a single pay life insurance policy, and is a guaranteed issue to age 99.
Once the life insurance policy is issued, the owner/insured immediately assigns all of his or her interests to a trust controlled by the life insurance company. The ass ...
Recent statistics clearly show that in the average nursing home, women residents outnumber men by three to four. Why is this? The answer is simple, women live longer than men. As a result of living longer, and without someone at home to provide simple care, women are most vulnerable to enter a nursing home. Add frailness to the formula, and a simple slip and fall, the world suddenly takes a turn for the worse.
With the high risk, comes a high cost. On average, nursing homes in Wisconsin charge ...
According to statistics reported by the American Association for Long-Term Care Insurance, only 400,000 long term care polices were sold in 2007. Does this surprise you? It surprised me! With long term care situations occurring at a greater frequency than a house fire or an automobile accident, it is hard to believe that more people are not insuring against the risk and the potential for a total financial loss. Is it because long term care is so cheap, and individuals fee ...
The current IRS rules allow a donor ("each one of us") to give away up to $12,000 per year to any number of donees, and the gift or gifts do not require the donor to file a gift tax return or pay any gift taxes. As long as each donee only gets gifts that total up to $12,000 per year from any one donor, the plan works perfectly. In the case of a husband and wife, they can each give away up to $12,000 per donee, thus a donee could get $24,000 in a given year, and the couple would still ...
I recently worked with an elder law attorney, who had a client who was adamant about not selling any of her stock portfolio in order to qualify her husband for Medicaid benefits. She was spending $7,000 per month on her husband's nursing home care, and was obtaining the bulk of the money from selling small portions of her stock portfolio. Her long standing financial adviser had convinced her not to qualify her husband for Medicaid benefits, because in order to do so, she would have t ...
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