Question: I am listed as my son’s guardian. He will be 20 this year. He has Medicaid coverage and also is on my employer insurance. My wife handles most of his care, including his hygiene. She must constantly keep an eye on him when I’m away at work. She even has to help him with […]

Question: I’m taking a long-term care insurance course. In it there is a discussion of Medicaid asset limits and a list of non-countable assets. It’s reporting that cash value life insurance is a non-countable asset if the face value of all life policies is no more than $1,500. Is that accurate? Response: Yes, that’s true. […]

Question: I have a 27-year-old severely handicapped daughter who I take care of 24 /7. She qualifies for Social Security Disability Income (SSDI) under her father. My question is that she lost her insurance and I was told that she has a 2 year wait. Why would they do this to an adult child who […]