Elder Law Newsletters

Charitable Gift Annuities

A charitable gift annuity is exactly what its name implies. It has the benefits of a charitable gift and functions much like any other annuity. The person who will receive the annuity benefit payments transfers assets to a valid 501(c)(3) charity and receives a charitable tax deduction on a portion of the transfer in the year that the transfer is made.

Insurance - Long-Term Care - Features - Coverage, Benefits, and Related Issues

After a decision to purchase long-term case insurance has been made, a savvy consumer will closely compare policies to determine which, also taking cost into consideration, best fits his or her needs. Policies have many different features relating to the definition of long-term care; the amount and type of benefits and benefit periods; and exclusions. Additionally, some policies provide for death benefits.

Secondary Payer Program

There are times when a person's health services may be covered both by Medicare and by another type of insurance, such as group health insurance, workers' compensation, or automobile insurance. In these cases, Medicare provides only secondary coverage, meaning that the other insurance is primarily liable on the claim.

Social Security - Supplemental Security Income

Due to divorce, teenage pregnancy, and many other factors, relatives, especially grandparents, are increasingly called upon to take care of children. Whether a formal, legal relationship or an informal one, this is known as kinship care.

Third-Party Obligations and Liabilities for Medicaid Payments

States must take all reasonable measures to determine any liable third-party, and many have established administrative personnel or units to assure that all of the resident's private medical resources have been accessed and exhausted before a Medicaid claim is paid.