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I always advise protecting and preserving the gifted portion of a Gifting/Medicaid Compliant Annuity Plan in the event that any portion of the gift should need to be returned to the Medicaid applicant.
As a means to preserve the gift throughout the duration of a Gifting/Medicaid Compliant Annuity Plan, a Single Premium Tax-Deferred Annuity is a simple and convenient solution, in addition to providing your client with flexibility, safety, and attractive yields. The 12 month plan provides ...
Now, with the Deficit Reduction Act of 2005 ("DRA") firmly in place, to the exception of the District of Columbia, Hawaii, Illinois, and New Jersey, the question has been asked "Did DRA have a real impact on crisis Medicaid planning?" Without question, the answer is "Yes!"
The primary impact relates to the fact that all gifts within the 60 month look-back period are pooled together, and the resulting figure is then divided by the applicable monthly divestment penalty divisor, creatin ...
In January of 2007 I worked with an Ohio elder law attorney who had a Medicaid case involving a husband and wife, the Vieths. The institutionalized spouse, Mr. Vieth, entered a nursing home in November of 2006, and was expected to remain there indefinitely. After a resource assessment, Mrs. Vieth wanted to qualify her husband for Ohio Medicaid benefits.
In order to eliminate the spend-down amount, pursuant to my suggestion, Mrs. Vieth purchased two Medicaid Compliant Annuities from ...
Question 1: Can I purchase a policy which provides a full refund in the event I do not use the benefits?
Answer: Yes.
Question 2: What is the perfect age for purchasing long-term care insurance?
Answer: The perfect age is when you are under age 85, healthy, and without any signs of requiring long-term care.
Question 3: Can I purchase a policy that provides benefits for the rest of my life, but only requires me to pay a limited number of premiums?
Answer: ...
When replacing a life or annuity contract, the client has several options, including simply surrendering the old contract and purchasing a new one. Under 1035 of the Internal Revenue Code, the owner of a life insurance, endowment, or annuity contract is allowed, under certain circumstances, to effect a like-kind exchange. If all the rules are followed, the gain in the original policy will not be taxed at the time of the exchange. a 1035 exchange can be a particularly useful app ...
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