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Medicaid Penalties

If you’ve done any research on nursing home Medicaid, it’s likely that you’ve come across terms like ‘look-back period’ or ‘gifting’ or maybe ‘Medicaid penalty.’ Unfortunately, there’s a good amount of speculation and misinformation about gifting assets and how it affects eligibility for Medicaid. One of the key restrictions pertaining to Medicaid eligibility is that […]

Life Insurance and Medicaid

When thinking of assets that are countable by Medicaid, life insurance policies may not be the first to come to mind. Bank accounts, vehicles and investments are obviously assets, but what about your life insurance? The answer depends on the individual policy details. There are a handful of different types of life insurance, from the […]

Skilled Nursing Facilities

Paying for nursing home rehabilitation or long-term care can be a major headache, which is made worse when you receive a bill that you expected your insurance to cover. Knowing who’s responsible to pay and how much you’re on the hook for can make it a little easier. Let’s start with some key terminology: Private […]

Medicaid Terminology

Many industries use specific words that makes communicating within the industry easier, and long-term care is no exception. When seeking resources to provide care for an elderly loved one, it’s important to understand some of the terminology used in the long-term care industry. For example, ‘Medicaid’ can be used to describe one of several different […]

Gifting and Penalties

If you know anything about Nursing Home Medicaid, you probably know that Medicaid policy is very strict about what’s allowed and what isn’t when it comes to financial eligibility. As a Medicaid Planner, I’m keenly aware of the many limitations on transactions that can be made as part of a Medicaid spend-down. A major restriction […]