Question: Mom owned a life insurance policy on my father, who recently passed away. They named us kids as the beneficiaries. There was some cash value. When Mom eventually applies for Medicaid, [...]

Question: Brother and sister owned highly-appreciated real estate jointly with rights of survivorship.  Sister passed last year so now brother owns it 100% and would like to move it to an [...]

Question: I would like to try and provide proper care for my spouse. My question is: Is there anything in Medicaid criteria that would prevent me from divorcing my spouse so that he can qualify [...]

Question: I would like to set up a trust in my mothers name. I am her POA and health advocate. Mom was able to get Medicaid this past May and my promise was to keep her in her home and avoid a [...]

Question: Can the ownership of a whole life insurance policy be changed to a funeral home to make someone Medicaid eligible prior to the application being submitted without penalty? Response: [...]

Question: I am 55, live in New Jersey and received Medicaid. I have a 14-year-old child living with me. I own a house. If one day I pass away, will the state seek estate recovery for the money I [...]

Question: Can you get a mortgage if you are the grantor of a home in an irrevocable trust and your trustee approves of it? Response: Not a traditional mortgage. While the trust probably would [...]

Question: I have a question about my mother’s two-family house. It’s amazing that she has survived the pandemic and will be turning 104 in September. She is in a nursing home and is covered [...]

Question: I am my mother’s primary caretaker, and my sister and I pay a friend to care for my mother several hours a week when I am not home. (I reside with my mother.) I will be returning [...]

Question: My mother died at age 93. Her husband is in an assisted living facility. She had financial and medical powers of attorney. I am the successor agent on both. His Medicaid pays most of [...]