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Four Reasons Not to Leave Your Disabled Child’s “Inheritance” to your Non-Disabled Child

John and Nancy have two children, Michael and Maria.  Maria is disabled and receives a number of public benefits to support her care needs.  John and Nancy intend to leave their entire estate to Michael.  Their logic is that Maria will continue to receive public benefits since she will have no additional assets in her […]

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Dual Eligibility: How Qualifying for Both Medicare and Medicaid Can Help With Costs

Qualifying for Medicare hardly means free health care — there are still premiums and deductibles. However, people who qualify for both Medicare and Medicaid (called “dual eligibility”) receive help paying their out-of-pocket costs. Medicare is a federal program available to anyone 65 or older. It consists of four major parts, each of which have premiums […]

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The Value of the Attorney in Medicaid Planning and Medicaid Applications

Should you involve an attorney for even “simple” Medicaid planning or a “simple” Medicaid application?  This depends on your situation, but it has been our experience that in most cases, the prudent answer would be “yes.” The Medicaid program began as the government health care program for individuals who were of minimal means and needed […]

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Is Independent Living Rent a Deductible Medical Expense for VA Pension?

Can I deduct my independent living apartment rent as a medical expense on my application for VA pension?  This is a common question we receive and the answer depends on the reason for residing in independent living.  Using ordinary rent as a deductible medical expense on an application for VA pension benefits had been an abusive […]

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How You Can End Up in Medicare’s Donut Hole, and How You Get Out

Medicare prescription drug (Part D) plans can have a coverage gap—called the “donut hole”–which limits how much Medicare will pay for your drugs until you pay a certain amount out of pocket. Although the gap has gotten much smaller since Medicare Part D was introduced in 2006, there still may be a difference in what you […]

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