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Last month Congress and President Trump finally agreed to additional stimulus checks to be sent to Americans in need during the current pandemic.  This is the second such round of payments since the COVID crisis hit.  There are some differences, however between this second payment and the first. The most important change is

Last week I wrote about the medical part of Medicaid eligibility.  The preadmission screening (PAS) process requires the state to  certify that the applicant needs nursing home level care.  Nursing home level care means needing assistance with at least 3 of the activities of daily living.  Those activities are transferring (eg. in and out

When talking to clients about achieving Medicaid eligibility, we spend most of our time focused on the financial requirements.  That includes an asset test and an income test and transfers that are potentially subject to a Medicaid penalty.  However, I always tell families that we can’t forget about the medical test. If we

Last week I wrote about how unexplained deposits have the potential to be more damaging to a Medicaid application than unexplained withdrawals.  That’s because deposits must be explained or the application is denied for being incomplete and those same deposits must be explained in any new application unless  the deposit then falls  outside

The Social Security Administration recently announced its cost of living adjustment (COLA) for 2021.  This adjustment is important not only because many seniors depend on Social Security benefits as their primary source of income.  This adjustment is also applied to many of the other government programs that affect our clients’ lives. This year’s

In my post last week, I started to tell you about how tricky it can be when applying for Medicaid benefits while currently receiving VA Aid and Attendance benefits, a non service connected pension available to certain wartime veterans and their widowed spouses. While it is not taxable income for tax

We have many clients who first qualify for the VA Aid and Attendance benefit to help pay for their long term care and then when their remaining assets are spent down, they must apply for Medicaid.  As I have written about previously, Medicaid has a strict income cap ($2349 in 2020).  If

Funeral Expenses and Medicaid (Part 2) This week’s post details the more common option when it comes to setting aside funds for a funeral before spending down towards Medicaid eligibility.  Last week I explained that $1500 can be set aside for burial as long as it is specifically designated and not commingled