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                Medicaid requires the applicant to spend down all assets to under $2000 before approving an application for benefits.  The question comes up frequently about life insurance.  Is it an asset and if so, what is the value?                 In order to answer that question, we must examine what kind of

                Two weeks ago John Hancock, one of the largest providers of long term care insurance announced it is withdrawing from the market.  It will stop selling new long term care insurance policies.  John Hancock currently has sold more than 1.2 million policies nationwide.                 What does it all mean?  Hancock

            Last week I was talking about changes in loved ones we may notice around holiday time, simply because we may be returning home after some time away.  So what can or should you do about it?             A physical and neurological exam should identify any medical issues. A Geriatric Care Manager (GCM)

Once again the holiday season is upon us, a time of joy but also stress.  I’ve written about this issue in the past but it bears repeating.  We often visit family members we haven’t seen in some time and that’s when changes in older loved ones become more noticeable.  Some

                Last week I told you that Dave called because his dad needs to go to a nursing home and he is now in “spend down mode”.  He plans to sell the home, spend down the proceeds from the sale and then apply for Medicaid.                 A straight forward, sound approach? 

                Dave called me because his dad had just recently suffered a stroke and was in the hospital but ready to be discharged.  Dave told me, “Dad can’t go home.  We’ve been able to keep a promise we made to keep him home but at this point the family recognizes