In meeting with clients, a common question that surfaces is what happens to my home if I pass away and still owe a lender money. The easy answer is that the mortgage still needs to be paid, whether by a surviving joint owner of the property, personal representative of...
Year: 2012
MassHealth Eligibility for Adult Day Health Participants
Adult Day Health programs are a lesser known alternative to providing care to an aging or disabled family member. These programs offer a win/win situation for everyone in the family-from the client or member who attends the program to the family member who has primary...
Medicare v. Medicaid – A long-term care perspective
Based on the similarity of their names, confusing Medicare with Medicaid is easy. However, there are stark differences between what the programs provide to their respective participants. Medicare is a national health insurance program for which most people 65 years of...
MassHealth Advocacy: When Free Isn’t Always for Me
I regularly encounter clients that ask me why should I pay you to assist with the completion and submission of a MassHealth application for my loved one. I hear that "I can complete the application myself" or "a social worker at the hospital or nursing home where my...
Why Should I Plan My Estate?
Being in this line of work, I understand that no one wants to talk about their own mortality or the importance of planning for the unexpected. However, by procrastinating in implementing at least a basic estate plan, you run the risk that your intended beneficiaries...
General Durable Power of Attorney – The Most Important Tool in One’s Estate Planning Arsenal
General Durable Power of Attorney - The Most Important Tool in One's Estate Planning Arsenal When someone hears or mentions the term, estate planning, a Will is usually the first thing that comes to mind. While a will is an important part of a comprehensive estate...
Caregiver Contracts – An Unused Tool in Medicaid Planning
Most people are willing to care for a parent or loved one without any promise of compensation. Not that this unconditional love should go unrecognized, but what if the caregiver could be fairly compensated and the recipient of the care could be spending down his or...
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