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Even before the current pandemic, getting a Medicaid application approved was increasingly challenging.  Now, with some government staff working remotely and many government offices short staffed because of social distancing requirements, it has not gotten better.  What we are finding in our office is that applications that should clearly be approved are being denied.  In

Many of my articles concern Medicaid and avoiding or trying to minimize a Medicaid penalty.  That penalty, which is a waiting period for benefits is a result of a mathematical calculation.  The amount of any transfers for less than fair value is divided by the Medicaid divisor to get the resulting penalty. The divisor is what

In last week’s post I was telling you about Mary and John’s do it yourself wills.  For less than $100 they purchased a software program that helped them assemble their wills.  When John died only then did Mary learn of the mistakes they made.  I already told you about the IRA which John intended

I recent call I received from Mary illustrates the risks of do it yourself estate planning.  In this case  Mary and john, her husband prepared their wills using Quicken’s Willmaker software which can be purchased online for less than $100.  It couldn’t be easier, right?  Hiring an estate planning attorney could cost several hundred to a

A few weeks ago I wrote about Stimulus checks, the part of the CARES Act that gives one time payments of $1200 to every American whose adjusted gross income is $75,000 or less (and a smaller amount for those with income between $75,000 and $99,000).  Since then, some people have received the payments direct

Last week, I heard the statistic reported that the number of Covid-19 related deaths has now exceeded the number of people who died in the Vietnam War.  The Vietnam War, of course, spanned 11 years while the current pandemic has been ongoing for a few months at this point. The compressed

What we know about the Coronavirus is that seniors are at a higher risk of serious illness than younger age groups.  So how has Medicare, the primary health insurance program for Americans over 65, responded?