Let me explain to you about va aid and attendance asset limits 2024. The U.S. armed service members dedicated the best years of their lives to our country and expected little inRead More…
The ALTCS Divisor Penalty or A Divisor Hidden Blessing
As of January 1st 2024, ALTCS updated the Medicaid Divestment Penalty Divisor. The Current Penalty Divisor for 2024 is 7,867.16. At the same time, the Feds announced that the Consumer Price IndexRead More…
Medicaid Compliant Annuity Arizona (2024)
This article will focus on Medicaid Compliant Annuity Arizona. Suddenly a loved one finds themselves needing long-term care due to a fall or other medical conditions. As the family searches for neededRead More…
2024 ALTCS Phoenix
ALTCS The “Arizona Long-Term Care System” is referred to by its acronym, ALTCS (which is pronounced ALTECS). Arizona Long-Term Care System (ALTCS) is Arizona’s Medicaid Long-Term Care Program that provides low-income seniorsRead More…
Who should have Long Term Care Insurance? The Why, What, When, and Where
Long Term Care Insurance is not a new insurance product; it was first offered in the early 1980s and has evolved over time, recently gaining popularity. This is due in part toRead More…
Pros and Cons of Long Term Care Insurance
In observance of Long-Term Care Insurance Awareness Month (November), I want to explore the Pros and Cons of Long Term Care Insurance. There’s a long-term care crisis in America. This crisis hasRead More…
VA Accredited Claims Agent
What is a VA Accredited Claims Agent? Per the law, a VA Accredited Claims Agent is one of three categories of individuals legally recognized by the Secretary of the U.S. Department ofRead More…
ALTCS Application Assistance
Why seek ALTCS Application Assistance? Individuals applying for ALTCS often seek ALTCS application assistance; they do so because Arizona’s Medicaid application process can be frustrating, confusing, and complicated. Various pitfalls in theRead More…
ALTCS Arizona Medicaid and Veterans
ALTCS Arizona Medicaid Benefit Provides Important Safety Net to Veterans Who Don’t Qualify and Those Who Do. The number of calls from non-qualifying veterans, their loved ones, and caregivers looking for informationRead More…
ALTCS Planning
What is ALTCS Planning? Arizona Medicaid Planning or ALTCS Planning can be summed up in three words, “Don’t Die Broke!” Why should you plan for long-term care? Per LongTermCare.gov Someone turning ageRead More…
Reverse Mortgage in Arizona | 12 Common Misconceptions
Whats a Reverse Mortgage? Its name gives a hint about what a REVERSE MORTGAGE is though many people still do not know about reverse mortgage in Arizona. It works the opposite ofRead More…
11 Signs it might be Time for Assisted Living (2023)
Making the decision to consider moving to an assisted living facility can be difficult. One of these 11 signs by itself does not necessarily warrant a move, but as they add upRead More…
Do all Veterans get benefits? (2023)
Many People have this question in their mind about do all veterans get benefits. I help Veterans, their spouses, and surviving spouses of Veterans learn about community resources and ways to payRead More…
Short Term Care vs Long Term Care Insurance
What is the difference between short term care vs long term care insurance? Is Short Term Care Insurance worth it? Observation Hospital Stay vs. Inpatient Hospital Stay: What you need to know LackRead More…
Medicare vs Medicaid Definition (2023)
Medicare and Medicaid: What Are They and How Are They Different? Medicare vs Medicaid definition – although similar sounding, are very different in what they cover and how to qualify for them.Read More…
Checklist for Touring Assisted Living Facilities
Many people look for checklist for touring assisted living facilities. When someone comes into a stage of life when they cannot perform or accomplish the things or activities that a person whoRead More…
ALTCS and Life Insurance
What do you mean? Life Insurance Cash Value is not an exempt asset! Let me explain you about ALTCS and Life Insurance. What is the ALTCS limit on Life Insurance? I recentlyRead More…
Does Arizona Medicaid pay for Assisted Living?
This is a common question, Does Arizona Medicaid pay for Assisted Living? This is an excellent question because every state is different in what service their state Medicaid pays for, and manyRead More…
Medicaid Spend Down Arizona
Want to know about Medicaid Spend Down Arizona, and How does it work? Arizona Medicaid, called Arizona Long Term Care System or ALTCS, requires that your income and assets are within theRead More…