Benefit or Backfire: Navigating the Irrevocable Medicaid Trust’s article, linked below and entitled “Benefit or Backfire: Navigating the Irrevocable Medicaid Trust,” explains the basis and caveats behind creating such a trust to ensure Medicaid eligibility. As puts it: “The idea behind an irrevocable Medicaid trust is to simulate a gift through the use of a trust. When establishing such a trust, the donor […]

Family Caregivers Bear the Burden of High Elder Care Costs

The article linked below discusses the financial, emotional and physical strain that can happen as a result of becoming a caregiver to a parent or elderly loved one, and just how close we, as a country, may be to another financial crisis. “Considering the exorbitant national average costs of in-home care ($4,004 per month), assisted […]

The Devastating Process of Dying in America Without Insurance

The article linked below is just one heart-wrenching tale of the process of watching a loved one die without health insurance in this country. Doris Portillo, a naturalized citizen, brought over her parents from El Salvador on green cards to take care of them as they age. Unfortunately, in late 2013, her father, Aquilino Portillo, […]

Working With People Who Are Dying Teaches You So Much About How To Live

Estate Planning and Elder Law are two very intertwined fields of law that deal with extremely sensitive subjects. When anyone thinks of creating their Last Will, they’re considering what will happen to their assets and their loved ones after their demise, which can be an emotional and stressful event. When you are going through Estate […]

3 Must-Have Estate Planning Documents to Get Done This Year

As The Motley Fool, a financial service company, mentions in their article, it is imperative to create an Estate Plan to distribute your estate according to your wishes, knowing your heirs will have no issues. That way, your mind can always be at ease that your legacy will be preserved. Michael Aloi, the author of […]

Medicaid for Long Term Care: 4 Stages of the Application Process

Applying for Medicaid, as anyone who may have looked into it already knows, is a daunting task. In addition to the lengthy and thorough Medicaid application itself, there are indeed more steps to the process. separates them into 4 steps: The Medicaid ApplicationVerification processContact with the Medicaid officeDenials As aforementioned, the Medicaid application is a tedious […]


The article linked below from thoroughly outlines how to apply for Medicaid, what the benefits cover and financial eligibility requirements for the state of New York. It is important to note that Medicaid differs state to state, and even a New Jersey Medicaid has vastly different requirements and a completely different application. While New York State […]

Spend-down program for beneficiaries with incomes over the Medicaid limit

The article listed below, prepared by, offers a detailed explanation of what a Medicaid spend down is and how to proceed with one. Medicaid is a federal program, providing healthcare benefits to seniors over 65, or disabled persons, under the Social Security Act. Like any other government program, there are strict guidelines and regulations that […]