Financial Benefits for Veterans and their Survivors

If you are a veteran, or if you are caring for one, it is essential to understand the many veterans’ benefits programs available through the Department of Veterans Affairs (VA). Often, financial support is available to a veterans spouse or their survivors as well as the veteran themselves. Even if there has never been a claim [...]

October 9th, 2018|

Helpful Ways to Pay for Assisted Living Costs

California assisted living rent can vary from $3,000 to $10,000 monthly. Depending on what type of care your loved one needs, assisted living can be the most affordable solution when compared to a nursing home ($8,000 to $16,000 or more per month) or long-term in-home care ($24 - $30 per hour). If closely monitored medical [...]

August 30th, 2018|

Creative Financial Approaches to Long Term Care Services

Long term care insurance was sold aggressively in the 1980s, 90s and thereafter to offset the costs of seniors needing to live in a nursing home, assisted living or needing at home health care. Now, however, the business of long term care insurance has dramatically changed. What was once over 100 insurers providing LTC policy [...]

August 20th, 2018|

New Guidance for Special Needs Trusts

Recently, the Social Security Administration (SSA) released new Program Operating Manual System (POMS) provisions, which are essentially a set of guidelines utilized by eligibility workers processing claims for Social Security benefits that directly relate to special needs trusts. Although we received a peek into what the POMS might look like at the Special Needs Trust Conference last October, advocates [...]

June 19th, 2018|