5 Things to Consider While Medicaid Planning – Keep This In Mind!


07 December 2021



Medicaid refers to a federal and state-funded health insurance program covering senior citizens with a meager income, the visually impaired, or the physically challenged. Medicaid programs in different states must cover certain services, including x-ray and laboratory services, hospital care, and nursing care for adults.

Who Is Eligible?

Who Is Eligible?

Anyone who falls under the eligibility criteria has a right to apply for the program. They include most senior citizens and physically challenged people under cash assistance, caregivers and parents with very low income, children, and pregnant women with income below 138% of the federal poverty line.

If you are planning to enroll in Medicaid, visit site to know five things to keep in mind:

You Need to Show That You Are Financially Needy

Medicaid is offered to those with very low-income levels, and therefore, you will need to demonstrate this aspect to be considered. So, when planning to enroll in the program, ensure that your countable assets are $2000 or less, excluding your home or motor vehicle. However, if you make more money, you can talk to your attorney to see what other options are available.

Start Planning to Enroll Early

Start Planning to Enroll Early

If you believe you qualify and need Medicaid, the best time to start is now! The program has a look-back plan of 5 years, and this means that to qualify, you can give away your assets to your family and loved ones before this period. Any asset you give within the 5 years can disqualify you from accessing the benefits of the program.

You Can Create an Irrevocable Trust

None of us wants to see all our life savings disappear in the face of long-term healthcare. To cushion your assets from the high costs of healthcare that you may require while ensuring that you qualify for Medicaid, consider creating a trust that allows you to legally transfer your assets into a trust so you can claim Medicaid benefits.

Understand What Medicaid Covers

Understand What Medicaid Covers

The federal government rules obligate states to offer some mandatory Medicaid services such as physician and hospital care. Aside from the essential mandatory services, however, different states have diverse packages. Therefore, when planning for Medicaid, ensure that you are well aware of what is in the package and whether or not it will be suitable for you.

Think About the Application Process

Just like most government programs, the process of applying for Medicaid benefits is a big step in your quest for health care. You may need to contact an estate planning attorney to help you break down the application process and advise you on creating the trust and asset transfer.

Medicaid planning is an important option that you need to look into if you are in financial dismay and need long-term care in a nursing home. Medicare is essential in cushioning you from the burden of long-term healthcare, and as such, you need to plan early enough to ensure that you qualify for the program and that your income level and assets are within eligibility requirements.

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I enjoy writing and I write quality guest posts on topics of my interest and passion. I have been doing this since my college days. My special interests are in health, fitness, food and following the latest trends in these areas. I am an editor at Content Rally.

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Divorce Attorney

When Counseling Doesn’t Work: Finding an Indianapolis Divorce Attorney

Finding a good divorce attorney in Indianapolis starts with knowing whether the person across the table from you is the best person for the job. The right lawyer can help turn an emotionally tumultuous time into something much more bearable and understandable, all while doing their best to ethically help you reach your desired outcome for the case. When counseling doesn't work and you both feel that a relationship has run its course, you need to start looking into legal representation for your divorce proceedings. Needless to say, this can be a difficult and emotional time, so it's best to have a lawyer whom you feel is in your corner and capable of fighting for you in whatever way the case and your spouse's demeanor require. Here are the answers to come commonly asked questions regarding divorce attorneys. What Type of Attorney Do I Need? Different areas of law have different skillsets associated with them. There are also at times different regulations and specifics that a lawyer will need to know well to practice ethically and to the best of their ability to help you reach your desired outcome. For these reasons, you'll want to choose a lawyer who is well versed in practicing family law in your county. Divorce can sometimes be a complex process, even without the emotional burden it can bring, so it's good practice to have a lawyer who both knows the ins and outs of family law and is familiar with your local courts and judges. How Do I Find a Good Attorney? The first step when it comes to finding a good divorce attorney is to ask those closest to you, especially if they've been through the divorce process in the area before. The exception to this rule is when the person giving you advice doesn't actually know the lawyer in question, or only knows them in passing. It's best to take recommendations from people who have worked with the lawyer in a professional capacity beforehand and can confidently recommend them based on direct experience with how their case was handled. Once you've collected recommendations you feel good about, you can narrow your focus a bit to just those lawyers who focus on family law. While lawyers may practice in other areas of law, 'doing it all can often be a red flag. Make sure that whomever you decide to interview knows family law well enough that you would be comfortable having them represent you during this difficult time. Know your strategy. Some divorces call for a more aggressive strategy than others, and it's important to find a lawyer who is well-suited to the work before you commit to working with them. If at any point you're uncomfortable with the tactic being taken, you're within your rights to speak up. A good divorce lawyer will be able to work out which track -- mediation, traditional litigation, or alternative dispute resolution -- will be best for your case, and adopt a strategy that will help move you toward the outcome you desire. It's also important to talk through the tough issues with your lawyer, such as if you or your spouse owns a business, if anyone inherited property, if you were living together before the marriage, etc. A good divorce attorney will be absolutely worthy for you as he should never avoid these more difficult topics, but instead, work to talk them through peacefully and untangle any legal knots that may be forming. Finally, it's a good idea to interview more than one potential attorney. This way, you'll get to see different approaches to your case and can choose the one which is best suited for you from a place of knowledge. This will also let you get to know other lawyers' personalities and help you choose the person you can most effectively communicate with. Any lawyer you meet with should be willing to give you the time you need to make an informed decision about them and their services. Can I And My Spouse Share an Attorney? The short answer is no. Even if one lawyer is contracted to draw up paperwork for both parties, they are still legally representing only one spouse. It's unethical for a lawyer to represent both parties in a divorce as both spouse's goals run counter to each other and a lawyer cannot ethically give good legal advice to both parties when their goals are at odds with one another. If your spouse is having the paperwork drawn up, it's best for you to start researching divorce attorneys in your area and seeing who you feel good about working with. In Conclusion Whomever you choose to work with for your unique case, it's important to set yourself up with a professional firm that can provide you with excellent legal representation. Your unique case and personality, as well as your spouse's demeanor in the divorce, are all factors that will have to be intellectually weighed in order for a good divorce attorney to come up with a competent strategy and smooth things over peacefully whenever possible. It can take some time to find a divorce attorney who will be a good fit for your case and personality. For this reason, it's best to start looking for representation as early in the process as you can, to give yourself enough time to find an attorney who will be a good match for you. You deserve solid, experienced legal representation from a divorce attorney who understands your case and situation. Read Also: Tips To Help You Overcome the Pains Caused By Divorce Divorce 101: How To Get Through This Difficult Time and Come Out Stronger! How to Bring Up Divorce With Your Spouse

Discrimination In The Workplace

What To Do About Discrimination In The Workplace: First Steps To Take

Workplace disputes and challenges can be stressful. Daunting, even, when things take a more serious turn. When injustices transpire, it becomes more difficult to work without constantly fearing said injustices. Facing discrimination in workplace should not deter you from standing up for your rights as an employee. Instead, here are the primary steps to take when they do. Steps To Take Against Workplace Discrimination- 1. Talk To A Lawyer: Regardless of what kind of discrimination you face at work, the distressing fact is that the courts have strict rules for what qualifies under “work discrimination”. And you will need an expert who is knowledgeable about this segment of the law for you to be able to push your claim forward. Hiring a lawyer does not instantaneously mean you are to brace yourself for matters to be brought to the courts. Doing so is a kind of a “safeguard”. How? A lawyer can help you recount what had been done against you and inform you about what qualifies under work-discrimination, and what you can legally do about it. That, and in an objective manner. 2. List Down The Offensive Actions Committed Against You: We understand that recounting such actions can be painful, or traumatizing for others. Yet this is a crucial step that requires your attention--- listing down every offense your perpetrators have carried out. Called a journal for tracking discriminatory behavior, be as detailed as possible with your entries. Be sure to include the date, location, and time each one took place. Alongside these, the perpetrator/s, witnesses (if there were), and other relevant information. 3. Report The Incident: Your claim may be turned down if it becomes apparent that you have never reported the occurence/s. As such, the company should be told of these workplace events because they are required by law to act upon them. If they are not given the opportunity to do so (due to the lack of familiarity regarding this motion), this could be held against you. Report the incident to your superiors and have Human Resources, or any relevant department, get these in writing and on record. 4. Understand The Incident: Aside from speaking with your attorney about it, talk to your manager/s. Although quite in the minority, there are cases wherein acts were not deliberately made. Nevertheless, your superiors need to know of these in order to talk to the perpetrators and reiterate (or draft) company rules about work-discrimination. It’s also an approach to seeking help with respect to officially reporting the incident. Add to this standing under the umbrella of protection of the company’s employees who are situated in ranks of authority therein. 5. Be Prepared For Counterattacks And/Or Retaliation: Even with legal advisers at your side, be ready for retaliation from your perpetrators. Whether through actions, threatening words, work-related retribution (i.e. disapproval of a raise, vacation leaves, etc.), be ready for them. But do not fret because with a work-discrimination lawyer aiding you every step of the way. The law can be used as your foundation and shield against those who premeditatedly intend for your harm within the walls of your workplace. Read Also: 5 Safety Awareness Ideas to Maintain a Safe Workplace 5 Ways You Could Have Been Sexually Harassed in the Workplace How to Improve Workplace Security

personal Injury

Reasons of hiring any Personal Injury Attorney is Important

Were you or a loved one injured because of negligence on the part of another person or company? If so, then here are a few reasons for hiring any personal injury attorney is necessary. Firstly, let me tell you that without an attorney you may file a lawsuit for personal injury. It is possible. Furthermore, unless you are extremely familiar with some personal injury rules, managing a claim on your own can do more harm than good. Here are just a few reasons why consulting with an attorney is beneficial: Being Objective and Professional You may get incredible mental trauma and body pain from a personal injury. The kind of suffering that your injury has suffered will abstain from getting objective to your case. One’s personal opinions and beliefs may influence your capacity to remain aligned with the facts of the case. The specifics of your case are only of concern to an injury lawyer. They will present your case with a professional viewpoint so that you can get the award you deserve. They will fight on behalf of you without concentrating on things that are immaterial. An Attorney Can Protect You From Insurance Companies You will not only need to meet with the insurance company of the careless person but you will also have to negotiate with your own insurance company. Unfortunately, none of these could be on your side. An attorney will definitely negotiate with the insurance companies to make your side safe. Best Options to Choose From If you're not familiar with the process, seeking a personal injury lawsuit for your injuries will take time. There are normally two routes which you can use. You can either make an insurance claim or file a lawsuit for personal injury. The final resort will be the Court’s decision, as it takes time for the court to decide the case. Depending on your specific situation, a skilled personal injury lawyer should advise you about the best course of action. So, for example, if you live in Western New York, then an experienced Buffalo personal injury lawyer should work best for providing the ultimate options. Helps With Litigation If your claim for compensation is contested by the offending party, the next available option is to bring court action. Having a lawyer for personal injury in your corner would level out the playing field. You can also receive the legal representation that you need to make the most of your argument. They are going to gather all the facts needed to win your case in court. You May Save Money By Working With An Attorney Most people are worried that hiring an attorney would cost them. And, if your application for personal injury is not handled correctly, you might end up paying on your own a lot of the expenses. You will pay for healthcare that would have been provided by your own insurance company and because you have no experience with lawsuits for personal injury, you may not know how much money you need to receive through a settlement. However, an attorney will help you save your money. Read Also: How To Settle Claims In Case Of A Personal Injury Incident? Reasons For Hiring a Long Island Personal Injury Attorney How to Find a Personal Injury Attorney On Any Budget