Anyone who has cared for or has a loved one with dementia would most likely be familiar with the anxiety or agitation that seniors with dementia often show. Those with dementia are often frustrated that their minds may not be as sharp as they used to be and their mental abilities are lacking, whether they […]
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There is a relatively new planning technique in Florida that allows persons who were disabled before age 26 to save for future qualified disability expenses. These savings accounts are called ABLE Accounts. It all started in December 2014 when The Stephen Beck, Jr. Achieving a Better Life Experience (ABLE) Act was enacted by Congress. The […]
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A few weeks ago, we introduced a novel planning concept; the marital “Qualified Domestic Relations Order” (QDRO). Most people associate a QDRO with divorce, but divorce is not required to take advantage of this planning technique. The ERISA laws made an exception for early withdrawal penalties with the QDRO. As we know, an ERISA type […]
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Effective February 1, 2019, persons seeking Medicaid benefits to cover the cost of long-term care in a skilled nursing facility can no longer qualify for up to three months of retroactive benefits. Prior to the change, an application could be filed in one month, and for each previous month the patient met all the Medicaid […]
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If you are on a Medicare Advantage Plan (Part C), changes in federal regulations give you more time to switch Medicare plans beginning in 2019. The previous Medicare Advantage Disenrollment Period, from January 1 – February 14 each year, is now replaced with the new Medicare Advantage Open Enrollment Period. What you can do. […]
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We will begin a series of blogs dealing with an innovative retirement planning concept for married couples over the next several months. Be on the lookout for information related to a QDRO for married couples. This can be an effective method of deferring tax liability, gaining control over investments, accessing retirement plan funds to pay […]
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