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First, what makes an annuity “immediate” For an annuity to be “immediate,” it must be annuitized.  Once annuitized, the product no longer has cash surrender value, unlike tax-deferred annuities which always have cash value.  For […]

Year after year, successful Elder Law attorneys and their staff rely on Krause Financial Services Medicaid planning resources. Want to know what they already know? Here are our “Top 6 Top 6 Medicaid Planning Resources […]

With 2018 nearly behind us, we created a list of our top blog posts for the year. This includes posts about the major VA change as well as other more informative blog posts that are […]

An Irrevocable Funeral Expense Trust is a trust your client would fund in order to pay for their funeral down the line. Here a just a few of the reasons your client may want to […]

The Centers for Medicaid and CHIP Services (CMCS) have announced an update for the 2019 SSI and Spousal Impoverishment Standards. Starting January 1, 2019, the Minimum MMNA will be $2,057.50  in all states except Alaska and Hawaii. The Maximum MMNA […]

Medicaid and Medicare have become a cornerstone in U.S. health care. Laws are continuously being created and updated to keep up with the expanding need for this federal and state service. Social Security Act When […]

A number of attorneys have asked if they can be both an attorney as well as an insurance agent for their clients. In many ways, this would be a helpful asset because you can help […]

In January of 2015, the VA released their proposed rule change. Over three years later, in September 2018, the VA officially published their new rule which made a number of changes to the original proposed […]