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What if Your Client comes to you with a "Bad" Annuity?
With annuities being one of the most popular investment vehicles available, it shouldn't be a surprise when a client drops off a mountain of financial documentation and you happen to find an annuity...
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15 Things You Might Not Know About Medicaid Compliant Annuities
1. Dale Krause was essentially the creator of the Medicaid Compliant Annuity.Once upon a time in a land far, far away, Dale Krause worked with insurance companies to create the product he needed....
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Do You Find Annuities Confusing?
You're not alone. If you're not an insurance agent annuities can be confusing. I'm frequently asked questions regarding the difference of annuities, and how the difference kinds are treated for...
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Planning for an Individual with No Longevity
The goal in planning for an institutionalized individual with diminished longevity is to allow the individual to immediately qualify for Medicaid, while reducing the reimbursement claim to the...
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Name on the Check Rule Annuity Win: Jackson v. Selig
In May of 2008 Mr. Jackson entered an Arkansas nursing home while his wife, Mrs. Jackson, continued to reside in the community. In February of 2009 Mr. Jackson purchased two single premium immediate...
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New Ruling that State Doesn't Need to be Annuity Beneficiary
In the matter of Cook v. Bottesch (Ga. Ct. App., Nos. A13A0006, A12A2268, A12A2269, A12A2506, March 26, 2013) a Georgia court of appeals held that an annuity purchased by an applicant for Medicaid did...
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State Takes Issue with Standard Annuity Policy Language
In the matter of Carlini v. Velez (U.S. Dist. Ct., D.N.J., No. 12-7290 (JEI/KMW), June 4, 2013), the Burlington County Welfare Agency ("CWA") of New Jersey took issue with a standard set of language...
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What Happens if You Exceed Resource Limits During a Penalty Period?
My office receives no shortage in calls from attorneys and agents whose clients received an inheritance or had a home sale in the midst of a Gifting/Medicaid Compliant Annuity plan (also referred to...
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Personal Injury Settlement Gone Wrong
In the matter of Sams v. Department of Public Welfare (Pa. Commw. Ct., No. 2245, C.D. 2012, Aug. 21, 2013), an improperly structured settlement from a personal injury lawsuit ended up costing a...
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Geston v. Anderson: Eighth Circuit Medicaid Annuity Win
In the recent matter of Geston v. Anderson, the U.S. Court of Appeals for the Eighth Circuit has affirmed a judgment in a North Dakota married couple case on calculating assets for Medicaid...
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