Well, I Was (Sort Of) Right…The Medicaid Rules Have Started To Change.

April 22, 2020

On April 5th I posted a prediction in this blog that the Medicaid 5 year Look Back would be extended to help stem the tide of all of this spending.  Such a change will require an act of Congress, because Medicaid is a Federal program.  The Federal government provides the frame work for the Medicaid … Continued

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The Gift Of Time…

April 20, 2020

The single single biggest reason people lose their home and life savings to nursing homes or Medicaid is procrastination. They don’t prepare in advance. Why? We all know that tomorrow is not promised to us, yet most of us live life as if our health and our time are infinite resources. We put off things … Continued

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Why Now Is Not The Time To Eliminate Personal Interaction From Your Estate Planning Process

April 13, 2020

I see that a number of attorneys are rolling out new widgets, apps and programs to let you make your estate plan from home, with little to no interaction with trained estate planning professionals to guide you through the process.  You should ask yourself this question: “If they are just launching these programs now, in … Continued

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Business Distancing

April 9, 2020

What a whirlwind the last 2-4 weeks have been.  It is hard to believe that I was in Florida for a conference and some family time with my parents just a bit over 1 month ago.  We knew about Covid19, but no one thought we would be here. So, what is Safe Harbor doing to … Continued

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A Scary Medicaid Prediction For Estate Planning Procrastinators: So Long To The 5 Year Look Back

April 5, 2020

The last great change in Nursing Home Medicaid planning came in 2005, with the Deficit Reduction Act.  That law changed the Medicaid Look Back period from 3 years to 5 years for all financial transactions. I foresee the next great change coming soon. One of the primary topics of focus of our “Protect Your Home … Continued

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What If…?

April 2, 2020

Since I conceived of Safe Harbor Wills and Trusts 20 years ago, I have been an advocate of using trusts for an estate plan rather than simply a Last Will and Testament.  I built my business on the concept. One of the reasons for that position is seeing the unnecessary stress the costs and delays … Continued

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Team Leader Of The Year

December 7, 2019

As some of you may know, Marie, our Director of Operations, and I are members of Atticus Attorney.  Atticus is a national organization, serving only top law firms.  Its membership includes law firms in at least 45 of the continental United States.  Marie and I travel 4 times a year to learn about the latest … Continued

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Avoid These Mistakes When Applying For Medicaid

April 26, 2019

When you need help paying for unexpected medical expenses, such as home care, assisted living, or nursing home, Medicaid can help. This federal, which is administered by each state, was created to help people with low or fixed incomes and minimal assets afford medical treatment when they need it the most. While Medicaid was designed … Continued

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What Is The Difference Between Medicaid And Medicare?

March 22, 2019

If you have suffered through a medical emergency, you know how difficult recovery can be. In addition to the physical problems, concern over the cost of your hospitalization and ongoing care can be just as difficult to handle. As the cost of care has skyrocketed over the decades, many people have gone bankrupt trying to … Continued

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Is Long-Term Care Insurance Right For Me?

March 16, 2019

As the cost of nursing home care has risen over the decades, many people have struggled to find ways to prepare for expensive care at a period in their lives where their income may be limited. While long-term care insurance does offer you some relief, it may not be the right option for you. Read … Continued

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