
Planning for Long Term Care Is Important
What types of decisions have you and your loved ones made, or avoided making, about planning for the years ahead?

How Do You Provide Financial Help for a Special Needs Child and Retirement Too?
People with children who cannot support themselves need to think well past their own lifetime and figure out how to provide for children after they are gone.

How Much Money Can a Well Spouse Keep If Medicaid is Needed?
The intent of the laws and regulations is to allow the community spouse to have enough income and assets so that he or she has enough income and assets to continue to live at home, whether that be a home, an apartment, or other living place.

Is ABLE Account the Same as Special Needs Trust?
Because of astronomical costs of care and support—often more than $100,000 per year—most individuals with disabilities will need government assistance, such as Supplemental Security Income and Medicaid.

Medicaid Crisis Plans for Long Term Care Costs
In general, estate planning is a practice that requires forward thinking. However, sometimes estate planning must occur amid a crisis.

What a Family Caregiver Needs to Know
If you’re a caregiver, part of your job may be to keep track of your loved one’s legal affairs. You probably know — or are learning — that it’s a big responsibility.

How Do Special Needs Trusts Work?
Special needs trusts can help fund quality-of-life improvements for the beneficiary, such as a phone, a trip or a private room in a group care facility.

What If My Spouse Doesn’t Use Long-Term Care Insurance?
Long-term care insurance helps pay for healthcare costs that aren’t covered by Medicare or conventional health policies.

Does a Supplemental Needs Trust have an Impact on Government Benefits?
For disabled persons receiving financially based government benefits, supplemental needs trusts (‘SNTs’) can safeguard benefits and serve as an effective estate planning tool.