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Immediate Annuities: Understanding the Parties

POSTED ON - January 16, 2019

Written By Dale Krause J.D., LL.M.

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 […]
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Immediate Annuities: Understanding the Parties

POSTED ON - January 16, 2019

Written By Dale Krause J.D., LL.M.

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 […]

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Top 6 Medicaid Planning Resources You Don't Want to Miss

POSTED ON - January 9, 2019

Written By Krause Financial Services

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 […]

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Top 5 Blog Posts for 2018

POSTED ON - December 19, 2018

Written By Krause Financial Services

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 […]

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5 Reasons to Purchase an Irrevocable Funeral Expense Trust

POSTED ON - December 5, 2018

Written By Krause Financial Services

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 […]

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2019 SSI and Spousal Impoverishment Standards

POSTED ON - November 14, 2018

Written By Krause Financial Services

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 […]

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History of Medicaid

POSTED ON - November 7, 2018

Written By Krause Financial Services

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 […]

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Can You be an Attorney and an Insurance Agent?

POSTED ON - October 24, 2018

Written By Krause Financial Services

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 […]

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VA Rule Changes:  Main Differences Between 2015 Proposal and 2018 Final Publication

POSTED ON - October 3, 2018

Written By Krause Financial Services

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 […]

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