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Life Planning for the Beneficiary with Special Needs


By creating a special kind of trust, you can ensure the financial security, health, well-being and safety of your disabled beneficiary after you are no longer able to physically provide for their care.

Individuals who have children with special needs, whether as the result of a genetic disorder, injury, or mental or physical illness, face several …

The Journey Home: Three Steps to Choosing a Long-Term Care Facility


The Family Caregiver Alliance reports that the likelihood of individuals over age 65 becoming cognitively impaired or needing some type of Long-Term Care Long-Term Care is 68%. Oftentimes, the choice of a Long-Term Care facility in which to place a loved one is made in response to an emergency situation. Whether an individual is entering …

Veteran’s Aid & Attendance Benefits – Dispelling The $80,000 Asset Myth


by Tim Stallings

The Department of Veterans Affairs offers many beneficial options, including the Aid & Attendance program. The VA designed the program to provide a monthly benefit for veterans or their surviving spouses whose assets are being drained by high medical costs. This program is based on need. To test need, the VA evaluates the claimant’s …

Understanding the Important Differences Between Medicaid and Assisted Living Facilities


By Tim Stallings
When an elderly person needs additional help and is looking for a facility, or a catastrophic incident occurs and a loved one can no longer stay at home, most people begin to research long- term care facilities. Many people do not realize there is a difference between that Medicaid views assisted living facilities …

Life Estate and Medicaid Planning – A Bad Idea for Ohio Farmers


by Timothy Stallings

In the past, attorneys commonly used the life estate approach to for purposes of obtaining Medicaid benefits. Although there were better approaches available, the life estate method continued to be the most common. Many people (including attorneys) fail to comprehend how a life estate is treated when it comes to the Medicaid recipient’s …