Question: I am on SSDI and have Medicare and Medicaid. My girlfriend has me as a beneficiary on her life insurance policy through her job. Would I lose that money if she died because I’m on [...]

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: My son, George, now age 49, lives in Massachusetts. He was disabled in a mountain biking accident ten years ago which left him paralyzed from the waist down. Although he has [...]

Question: If a child is the owner of a life insurance policy, and the parent is the insured, is the policy excluded from a Medicaid spend down? There was no transfer of ownership; the child was [...]

Question: My parents have an irrevocable trust that holds most of their assets, including their house. They are purchasing a new home but since they do not have enough money, they will have to [...]

Question: If I need to go to a nursing home on Medicaid, will my wife’s IRA be counted as an asset in determining my eligibility? Response: That depends on your state. Some states treat [...]

Question: What if a Medicaid recipient bought a whole life insurance policy and transferred ownership to a party with an insurable interest immediately, before any cash value has developed? This [...]