This up-coming workshop at the Financial Planning Association of New York's Financial Fitness Workshop highlights the basics of Medicare and Medicaid, and attempt to inform the public of the many changes in the government's pipeline for these programs.
Inbound USA is a low-cost, schedule benefit plan that provides basic medical coverage, ideal for business or student travel to the U.S. This policy is great for long term students with travel medical features that include: Emergency Medical Evacuation (up to $50,000), Common Carrier AD&D (up to $25,000), and Acute Onset of Pre-existing Conditions (up to $130,000). One drawback of this policy is it's limited coverage for people over the age of 69. Considering the age restrictions of this policy, it is ideal for the non-US citizen, student coming to study in the US, but keep in mind that this policy is only available to someone that has not already been in the US for longer than 12 months.
This document provides information on benefits eligibility standards and income/resource limits for programs that provide assistance to older adults and people with disabilities in Alabama. It includes summaries of SSI, Medicaid, Medicare Savings Programs, Medicare costs and subsidies, Social Security retirement benefits and eligibility standards. The last section briefly outlines the Alabama Elderly Simplified Application Project and federal gift/estate tax exclusions.
This document provides information on eligibility standards and benefit amounts for various public assistance programs in Alabama, including SSI, Medicaid, Medicare Savings Programs, Social Security retirement and disability benefits, and the Alabama Elderly Simplified Application Project food assistance program. Key details covered include income and resource limits, premium amounts, coverage provided by different programs, and effective dates for eligibility thresholds.
Xerium 2014 oe presentation non union finalDMatzer
The document provides information about Xerium's 2014 open enrollment for employee benefits. It notes the enrollment dates of November 4-15 and that employees must re-enroll in Flexible Spending Accounts each year. It summarizes changes to the medical, pharmacy, behavioral health, and wellness plans for 2014. The medical plan deductibles and rates are shown for two PPO options. A new wellness vendor, Interactive Health Solutions, is introduced. Bonus benefits for preventative care and weight loss/fitness programs are highlighted. A new Employee Assistance Program is added. Information on the dental, vision, flexible spending accounts, and life and disability plans is also provided.
This document provides information on various public benefits programs in Alabama including eligibility standards, income and resource limits, and effective dates. It covers SSI, Medicaid, Medicare Savings Programs, Medicare premiums and costs, Social Security retirement and disability benefits, and the Alabama Elderly Simplified Application Project food assistance program. The information is assembled by Jan Neal and produced by an Area Agency on Aging with funding from the Centers for Medicare and Medicaid Services.
The document summarizes an employee benefits meeting that will take place to review and select benefits for 2011. It outlines the company's medical, dental, vision, life insurance, disability, and flexible spending account options. Highlights include two medical insurance plans from Blue Cross Blue Shield with different deductibles and out-of-pocket costs, voluntary dental and vision coverage, and optional supplemental insurance being offered through Colonial Life. The meeting will provide paperwork to elect benefits and assist employees with any questions.
This document summarizes Catherine Manson's presentation on applying for income support in Ontario in 2010. It discusses the different government sources of income support available at the federal and provincial levels, including Ontario Works (OW) and the Ontario Disability Support Program (ODSP). It provides an overview of how to apply for OW and ODSP, including required documentation and the application and approval process.
Inbound USA is a low-cost, schedule benefit plan that provides basic medical coverage, ideal for business or student travel to the U.S. This policy is great for long term students with travel medical features that include: Emergency Medical Evacuation (up to $50,000), Common Carrier AD&D (up to $25,000), and Acute Onset of Pre-existing Conditions (up to $130,000). One drawback of this policy is it's limited coverage for people over the age of 69. Considering the age restrictions of this policy, it is ideal for the non-US citizen, student coming to study in the US, but keep in mind that this policy is only available to someone that has not already been in the US for longer than 12 months.
This document provides information on benefits eligibility standards and income/resource limits for programs that provide assistance to older adults and people with disabilities in Alabama. It includes summaries of SSI, Medicaid, Medicare Savings Programs, Medicare costs and subsidies, Social Security retirement benefits and eligibility standards. The last section briefly outlines the Alabama Elderly Simplified Application Project and federal gift/estate tax exclusions.
This document provides information on eligibility standards and benefit amounts for various public assistance programs in Alabama, including SSI, Medicaid, Medicare Savings Programs, Social Security retirement and disability benefits, and the Alabama Elderly Simplified Application Project food assistance program. Key details covered include income and resource limits, premium amounts, coverage provided by different programs, and effective dates for eligibility thresholds.
Xerium 2014 oe presentation non union finalDMatzer
The document provides information about Xerium's 2014 open enrollment for employee benefits. It notes the enrollment dates of November 4-15 and that employees must re-enroll in Flexible Spending Accounts each year. It summarizes changes to the medical, pharmacy, behavioral health, and wellness plans for 2014. The medical plan deductibles and rates are shown for two PPO options. A new wellness vendor, Interactive Health Solutions, is introduced. Bonus benefits for preventative care and weight loss/fitness programs are highlighted. A new Employee Assistance Program is added. Information on the dental, vision, flexible spending accounts, and life and disability plans is also provided.
This document provides information on various public benefits programs in Alabama including eligibility standards, income and resource limits, and effective dates. It covers SSI, Medicaid, Medicare Savings Programs, Medicare premiums and costs, Social Security retirement and disability benefits, and the Alabama Elderly Simplified Application Project food assistance program. The information is assembled by Jan Neal and produced by an Area Agency on Aging with funding from the Centers for Medicare and Medicaid Services.
The document summarizes an employee benefits meeting that will take place to review and select benefits for 2011. It outlines the company's medical, dental, vision, life insurance, disability, and flexible spending account options. Highlights include two medical insurance plans from Blue Cross Blue Shield with different deductibles and out-of-pocket costs, voluntary dental and vision coverage, and optional supplemental insurance being offered through Colonial Life. The meeting will provide paperwork to elect benefits and assist employees with any questions.
This document summarizes Catherine Manson's presentation on applying for income support in Ontario in 2010. It discusses the different government sources of income support available at the federal and provincial levels, including Ontario Works (OW) and the Ontario Disability Support Program (ODSP). It provides an overview of how to apply for OW and ODSP, including required documentation and the application and approval process.
This document provides an overview of Medicare and supplemental insurance options. It begins with an introduction to Medicare, including who is eligible and the different parts of Medicare coverage. It then discusses Medicare Supplement Plans A-N in detail, including benefits covered and sample rates. Next, it covers Medicare Advantage Plans as an alternative that combines Medicare parts into one plan through private insurers. Key differences between Supplement and Advantage plans are outlined. The document concludes by addressing common questions about Medicare enrollment, penalties, and plan considerations.
This document summarizes various benefits available through the Ontario Disability Support Program (ODSP) and Ontario Works (OW). It discusses who provides funding for the programs, how to access benefits, income support rates, exemptions for assets and earnings, and mandatory/discretionary benefits covering special diets, dental/vision care, transportation costs, and more. The presentation aims to help recipients understand the benefits they should know about.
Recorded on Feb 14, 2013 - This webinar from the ODSP Action Coalition will provide an overview of the Ontario Disability Support Program (ODSP) and cover applying for ODSP, ODSP rates, income, earnings, assets & changes, the different types of ODSP Benefits, appeals and tips and strategies for navigating the system.
Please note before viewing this webinar that after it was recorded, The Ministry of Community and Social Services made changes to ODSP and OW, effective September 1, 2013. The presentation materials below under related files reflect these changes.
To watch this webinar visit:
http://yourlegalrights.on.ca/webinar/ontario-disability-support-program-odsp-know-your-benefits
This document discusses Medicaid planning to manage the high cost of nursing home care, which averages $6,000-7,000 per month in Michigan. It provides two examples of Medicaid planning strategies. The first involves converting a joint living trust to a single survivor's trust to protect assets for the surviving spouse. The second uses a Medicaid trust to protect $250,000 in investments so a wife qualifies for Medicaid coverage of her nursing home costs immediately without spending down assets. Both strategies aim to qualify a spouse for Medicaid as soon as possible to cover nursing home costs.
The document provides information about aged care costs in Australia, including:
1) Home care packages and respite care can help people stay at home, but have associated costs that are assessed based on income and assets.
2) Residential aged care involves accommodation payments like RADs and DAPs to cover housing costs, as well as daily fees and means-tested care fees to cover living expenses and care.
3) Not being able to afford accommodation payments does not preclude entry to aged care facilities, as places are set aside for financially disadvantaged residents through government subsidies.
RLee Insurance Solutions provides information to help seniors make informed decisions about their insurance needs. The document discusses Medicare basics such as costs for Parts A, B, and D. It explains coverage for hospitalizations, skilled nursing facilities, medical expenses, and prescription drugs. The text also summarizes recent changes from the Medicare Access and CHIP Reauthorization Act, including permanently replacing Medicare's physician payment system and extending certain benefits. It addresses impacts on premiums and out-of-pocket costs for beneficiaries in the near future. The document aims to inform seniors about their Medicare options such as supplements, Advantage plans, and prescription drug plans.
This document provides information about aid and attendance benefits available to qualifying veterans from the Department of Veterans Affairs (VA). It summarizes various long-term care and financial benefits that veterans may qualify for, including pensions, home care, nursing home care, and benefits to help cover home modifications. It emphasizes that many veterans fail to claim benefits they are entitled to and that working with an accredited veteran representative can help maximize the benefits received.
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
Duty Of Care For Mental Health Practitioners Kerry O'Brien
In this presentation we aim to provide an understanding of:
- Your ‘Duty of Care’, how it arises;
- The standard of your ‘Duty of Care’;
- Recent Case Study – ‘Duty of Care’ to third parties;
- ‘Duty of Care’ and the Mental Health Act 2000; and
- Your exposure.
The document provides information about open enrollment for employee benefits at a company. It summarizes the various benefit plans including medical coverage through JP Farley, dental through Anthem, vision through VSP, and life and disability insurance through Aetna. Details are provided on plan costs, coverage amounts, and requirements for dependent eligibility. The presentation instructs employees to complete enrollment by November 21st online or waive coverage, and to watch for new ID cards in the mail. Contact information is provided for benefits questions.
This document provides an overview of Medicare including its four parts (Part A, B, C, and D) and eligibility. It discusses the Affordable Care Act changes to Medicare including closing the prescription drug coverage donut hole, extending the financial health of Medicare, and improving preventive services coverage. It also covers becoming a Medicare provider or supplier, including enrollment steps and reimbursement as a participating or nonparticipating provider.
The document provides details about the group medical insurance program for employees of Hinduja Health Care Ltd. including benefit details, policy parameters, applicable members, policy period, standardized hospitalization coverage, maternity benefits, pre-and-post hospitalization expenses, pre-existing diseases coverage, customized benefits, general exclusions, enrollment process, and cashless hospitalization process. The insurance scheme is intended to provide insurance coverage for medical expenses related to hospitalization of Hinduja Health Care employees and dependents.
This document summarizes the details of Medicare programs including Parts A, B, C, and D. It provides an overview of coverage and costs for each part as well as information on Medicare supplements and Advantage plans. The document also discusses individual prescription drug recommendations and additional benefits programs.
This document provides information about planning and paying for health care needs in retirement. It discusses the rising costs of health care and long-term care services. Some key points include: a couple retiring at 65 will need about $240,000 on average to cover medical costs throughout retirement; 1/3 of people turning 65 will need at least 3 months of nursing home care; and the average daily rate for a private nursing home room in 2012 was $248. The document also summarizes different long-term care options like nursing homes, assisted living facilities, and home health care services.
This document discusses Medicaid eligibility rules and planning for long-term care costs. It notes that long-term care can be expensive, with nursing home care costing $9,000-$17,000 per month on Long Island. Medicaid is a means-tested program that can help cover long-term care costs. The document outlines Medicaid eligibility requirements around income, resources, transfers of assets, and penalty periods for gifts made during the 60-month lookback period. Protecting the homestead through sale, transfer, life estate, or trust is also discussed.
RLee Insurance Solutions provides information to help seniors make decisions about their insurance needs. The document discusses Medicare costs and coverage, including that Part A costs $407/month for some, Part B costs vary from $104.90 to $335.70 based on income. It also summarizes what Medicare covers for hospital stays, skilled nursing facilities, medical expenses and more. The document notes gaps in Medicare coverage and increasing costs pressures on doctors from rising overhead and decreasing reimbursement rates.
This document summarizes an insurance policy that provides cash payments directly to policyholders if they are unable to work due to sickness or injury. It pays up to $2,000 per month for up to six months. The policy covers a range of illnesses and injuries from minor issues like sprains to more serious conditions like cancer. It is an affordable option with discounts for healthy behaviors. Claims filing is straightforward with an insurance card provided.
This document summarizes a private health insurance policy from Bupa International called Lifeline. It provides international health coverage for individuals. Key details include:
- Coverage is subject to Bupa International's acceptance and rules. Benefits vary by coverage level chosen.
- Bupa International Lifeline policies last 12 months and renewal information is sent one month before expiration. Members can cancel during the term.
- The policy covers active treatment for both acute and chronic conditions, including cancer treatment, psychiatric care, and HIV/AIDS drugs.
- Exclusions include pre-existing conditions, congenital conditions, preventative care, and elective cosmetic procedures.
- Three coverage levels (Essential, Classic, and Gold
Experimental copy hillarys section of the powerpointHillary Hamblen
This document provides an overview and comparison of healthcare delivery systems and insurance programs in the United States, focusing on Alabama and Kentucky. It discusses Medicare, Medicaid, CHIP, private insurance and the uninsured. Key points include: Medicare has four parts that cover different services for seniors and disabled; Medicaid eligibility and coverage varies by state, with Alabama not expanding Medicaid under the ACA while Kentucky did; CHIP insures children from lower-income families; private insurance must cover essential health benefits and the ACA made several changes to the private insurance market. The document also provides state-specific enrollment numbers and eligibility requirements for the programs in Alabama and Kentucky.
Rencana pelaksanaan pembelajaran Bahasa Arab untuk kelas 4 semester 1 membahas tentang alat-alat sekolah. Materi pelajaran meliputi kata-kata, percakapan, dan teks tentang alat-alat sekolah. Siswa diajak untuk mendengarkan, berbicara, membaca, dan menulis teks terkait alat-alat sekolah. Tujuannya agar siswa dapat memahami dan berinteraksi dalam bahasa Arab mengenai alat-alat sekolah
The fifth annual Dancing With The Stars event in Fort Mill raised more than $45,000 for middle and high school athletics. Local architect Dan Mace won both the Dance Champion and Mirror Ball trophies with his partner for their freestyle dance to "Phantom of the Opera." Proceeds from the event will be split evenly between middle and high school sports programs. The event is the largest fundraiser each year for the Fort Mill School District Athletic Board.
Michael Reeves is a technical management student pursuing a bachelor's degree. He has over 15 years of experience in IT support, project management, and administration roles. Currently, he works at Nationwide Insurance where he is heavily involved in Windows server decommissioning processes.
This document provides an overview of Medicare and supplemental insurance options. It begins with an introduction to Medicare, including who is eligible and the different parts of Medicare coverage. It then discusses Medicare Supplement Plans A-N in detail, including benefits covered and sample rates. Next, it covers Medicare Advantage Plans as an alternative that combines Medicare parts into one plan through private insurers. Key differences between Supplement and Advantage plans are outlined. The document concludes by addressing common questions about Medicare enrollment, penalties, and plan considerations.
This document summarizes various benefits available through the Ontario Disability Support Program (ODSP) and Ontario Works (OW). It discusses who provides funding for the programs, how to access benefits, income support rates, exemptions for assets and earnings, and mandatory/discretionary benefits covering special diets, dental/vision care, transportation costs, and more. The presentation aims to help recipients understand the benefits they should know about.
Recorded on Feb 14, 2013 - This webinar from the ODSP Action Coalition will provide an overview of the Ontario Disability Support Program (ODSP) and cover applying for ODSP, ODSP rates, income, earnings, assets & changes, the different types of ODSP Benefits, appeals and tips and strategies for navigating the system.
Please note before viewing this webinar that after it was recorded, The Ministry of Community and Social Services made changes to ODSP and OW, effective September 1, 2013. The presentation materials below under related files reflect these changes.
To watch this webinar visit:
http://yourlegalrights.on.ca/webinar/ontario-disability-support-program-odsp-know-your-benefits
This document discusses Medicaid planning to manage the high cost of nursing home care, which averages $6,000-7,000 per month in Michigan. It provides two examples of Medicaid planning strategies. The first involves converting a joint living trust to a single survivor's trust to protect assets for the surviving spouse. The second uses a Medicaid trust to protect $250,000 in investments so a wife qualifies for Medicaid coverage of her nursing home costs immediately without spending down assets. Both strategies aim to qualify a spouse for Medicaid as soon as possible to cover nursing home costs.
The document provides information about aged care costs in Australia, including:
1) Home care packages and respite care can help people stay at home, but have associated costs that are assessed based on income and assets.
2) Residential aged care involves accommodation payments like RADs and DAPs to cover housing costs, as well as daily fees and means-tested care fees to cover living expenses and care.
3) Not being able to afford accommodation payments does not preclude entry to aged care facilities, as places are set aside for financially disadvantaged residents through government subsidies.
RLee Insurance Solutions provides information to help seniors make informed decisions about their insurance needs. The document discusses Medicare basics such as costs for Parts A, B, and D. It explains coverage for hospitalizations, skilled nursing facilities, medical expenses, and prescription drugs. The text also summarizes recent changes from the Medicare Access and CHIP Reauthorization Act, including permanently replacing Medicare's physician payment system and extending certain benefits. It addresses impacts on premiums and out-of-pocket costs for beneficiaries in the near future. The document aims to inform seniors about their Medicare options such as supplements, Advantage plans, and prescription drug plans.
This document provides information about aid and attendance benefits available to qualifying veterans from the Department of Veterans Affairs (VA). It summarizes various long-term care and financial benefits that veterans may qualify for, including pensions, home care, nursing home care, and benefits to help cover home modifications. It emphasizes that many veterans fail to claim benefits they are entitled to and that working with an accredited veteran representative can help maximize the benefits received.
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
Duty Of Care For Mental Health Practitioners Kerry O'Brien
In this presentation we aim to provide an understanding of:
- Your ‘Duty of Care’, how it arises;
- The standard of your ‘Duty of Care’;
- Recent Case Study – ‘Duty of Care’ to third parties;
- ‘Duty of Care’ and the Mental Health Act 2000; and
- Your exposure.
The document provides information about open enrollment for employee benefits at a company. It summarizes the various benefit plans including medical coverage through JP Farley, dental through Anthem, vision through VSP, and life and disability insurance through Aetna. Details are provided on plan costs, coverage amounts, and requirements for dependent eligibility. The presentation instructs employees to complete enrollment by November 21st online or waive coverage, and to watch for new ID cards in the mail. Contact information is provided for benefits questions.
This document provides an overview of Medicare including its four parts (Part A, B, C, and D) and eligibility. It discusses the Affordable Care Act changes to Medicare including closing the prescription drug coverage donut hole, extending the financial health of Medicare, and improving preventive services coverage. It also covers becoming a Medicare provider or supplier, including enrollment steps and reimbursement as a participating or nonparticipating provider.
The document provides details about the group medical insurance program for employees of Hinduja Health Care Ltd. including benefit details, policy parameters, applicable members, policy period, standardized hospitalization coverage, maternity benefits, pre-and-post hospitalization expenses, pre-existing diseases coverage, customized benefits, general exclusions, enrollment process, and cashless hospitalization process. The insurance scheme is intended to provide insurance coverage for medical expenses related to hospitalization of Hinduja Health Care employees and dependents.
This document summarizes the details of Medicare programs including Parts A, B, C, and D. It provides an overview of coverage and costs for each part as well as information on Medicare supplements and Advantage plans. The document also discusses individual prescription drug recommendations and additional benefits programs.
This document provides information about planning and paying for health care needs in retirement. It discusses the rising costs of health care and long-term care services. Some key points include: a couple retiring at 65 will need about $240,000 on average to cover medical costs throughout retirement; 1/3 of people turning 65 will need at least 3 months of nursing home care; and the average daily rate for a private nursing home room in 2012 was $248. The document also summarizes different long-term care options like nursing homes, assisted living facilities, and home health care services.
This document discusses Medicaid eligibility rules and planning for long-term care costs. It notes that long-term care can be expensive, with nursing home care costing $9,000-$17,000 per month on Long Island. Medicaid is a means-tested program that can help cover long-term care costs. The document outlines Medicaid eligibility requirements around income, resources, transfers of assets, and penalty periods for gifts made during the 60-month lookback period. Protecting the homestead through sale, transfer, life estate, or trust is also discussed.
RLee Insurance Solutions provides information to help seniors make decisions about their insurance needs. The document discusses Medicare costs and coverage, including that Part A costs $407/month for some, Part B costs vary from $104.90 to $335.70 based on income. It also summarizes what Medicare covers for hospital stays, skilled nursing facilities, medical expenses and more. The document notes gaps in Medicare coverage and increasing costs pressures on doctors from rising overhead and decreasing reimbursement rates.
This document summarizes an insurance policy that provides cash payments directly to policyholders if they are unable to work due to sickness or injury. It pays up to $2,000 per month for up to six months. The policy covers a range of illnesses and injuries from minor issues like sprains to more serious conditions like cancer. It is an affordable option with discounts for healthy behaviors. Claims filing is straightforward with an insurance card provided.
This document summarizes a private health insurance policy from Bupa International called Lifeline. It provides international health coverage for individuals. Key details include:
- Coverage is subject to Bupa International's acceptance and rules. Benefits vary by coverage level chosen.
- Bupa International Lifeline policies last 12 months and renewal information is sent one month before expiration. Members can cancel during the term.
- The policy covers active treatment for both acute and chronic conditions, including cancer treatment, psychiatric care, and HIV/AIDS drugs.
- Exclusions include pre-existing conditions, congenital conditions, preventative care, and elective cosmetic procedures.
- Three coverage levels (Essential, Classic, and Gold
Experimental copy hillarys section of the powerpointHillary Hamblen
This document provides an overview and comparison of healthcare delivery systems and insurance programs in the United States, focusing on Alabama and Kentucky. It discusses Medicare, Medicaid, CHIP, private insurance and the uninsured. Key points include: Medicare has four parts that cover different services for seniors and disabled; Medicaid eligibility and coverage varies by state, with Alabama not expanding Medicaid under the ACA while Kentucky did; CHIP insures children from lower-income families; private insurance must cover essential health benefits and the ACA made several changes to the private insurance market. The document also provides state-specific enrollment numbers and eligibility requirements for the programs in Alabama and Kentucky.
Rencana pelaksanaan pembelajaran Bahasa Arab untuk kelas 4 semester 1 membahas tentang alat-alat sekolah. Materi pelajaran meliputi kata-kata, percakapan, dan teks tentang alat-alat sekolah. Siswa diajak untuk mendengarkan, berbicara, membaca, dan menulis teks terkait alat-alat sekolah. Tujuannya agar siswa dapat memahami dan berinteraksi dalam bahasa Arab mengenai alat-alat sekolah
The fifth annual Dancing With The Stars event in Fort Mill raised more than $45,000 for middle and high school athletics. Local architect Dan Mace won both the Dance Champion and Mirror Ball trophies with his partner for their freestyle dance to "Phantom of the Opera." Proceeds from the event will be split evenly between middle and high school sports programs. The event is the largest fundraiser each year for the Fort Mill School District Athletic Board.
Michael Reeves is a technical management student pursuing a bachelor's degree. He has over 15 years of experience in IT support, project management, and administration roles. Currently, he works at Nationwide Insurance where he is heavily involved in Windows server decommissioning processes.
Van Vleck ISD Superintendent John O'Brien partnered with Way Companies to implement an energy savings program that would generate over $150,000 in annual savings and fund infrastructure upgrades like HVAC, lighting, and roof and window replacements without using capital funds. The upgrades were needed to improve conditions for 400 students using an unconditioned gym and address inefficient, outdated equipment that was projected to cost $4 million in utility bills over 10 years. After learning about Way's performance contracting approach, the superintendent knew it was the only solution that could upgrade the district's facilities while reducing energy and operational costs.
The document outlines several industrial programs offered by PowerStream Inc. and the Ontario Power Authority for 2011-2014, including demand response programs 1 and 3, an industrial accelerator program, and existing building retrofits and new construction initiatives. It notes the roles of local distribution companies and the OPA in programs like registering participants, managing customer relationships, providing incentive payments and meter data access. The goal is a joint delivery channel across natural gas and electricity programs.
The document discusses how 2017 may bring significant changes to estate planning law due to potential tax law changes under the new Trump administration and Republican legislature. It suggests that changes like cancelling the federal estate tax and decreasing income and capital gains taxes are possible. This would likely lead to increased scrutiny of Medicaid planning transfers and changes to the stepped-up basis rule. The summary also notes that while trusts will still be important for protecting assets from creditors, divorces, and ensuring qualification for government assistance, estate attorneys will continue to have relevance beyond estate tax planning.
The three day dance lesson plan introduces students to a square dance about Johnny Appleseed. On day one, students will watch a video of the dance, learn vocabulary, and discuss the connection to Johnny Appleseed. Day two focuses on teaching the dance steps with participation required. On the final day, students will perform the dance for their class and be graded.
The document discusses research posters and their audience. Effective research posters should be designed to clearly communicate the purpose and key findings of the research to both specialist and non-specialist audiences in an engaging visual format. The use of graphics, highlighting of conclusions, and avoidance of dense blocks of text can help ensure research posters are accessible and informative to all potential conference attendees.
Yenice forests detailed trip (accompanied by experts)ilhan tr
We made detailed tour in the Yenice forest. We saw biodiversity of the Yenice forest. Yenice forests were announced as one of the 100 hot spot in need of protection in Europe by WWF. There were with us two academics and one expert of Yenice forest.
The document summarizes editing photos of Sarah and Harry in a poster design for BBC Three. The creator cropped Sarah from her source image and pasted her onto a new document. They used the "Free Transform" tool to enlarge Sarah to the desired size. They also used selection and erasure tools to crop out the unneeded background of Harry's image and remove unwanted portions. Based on feedback, the creator changed the poster's text font to one more conventional for the BBC Three channel.
The document contains several articles from the sports section of a local newspaper. The main articles discuss the Point Boro boys soccer team, the Point Boro girls soccer team, and the Point Boro boys cross country team. For the boys soccer team, conditioning is emphasized and they won their scrimmage 4-0. For the girls soccer team, conditioning is their focus as the season approaches. And for the boys cross country team, their goals are to defend their division title led by seniors Peters and Svensson.
Room 4 planted 267 trees on a steep hill, working hard to dig holes and plant the trees while finding various creatures like worms, spiders, and fungi. They had fun trying to remove the young trees from their pots and working together to successfully plant over 250 trees.
2.5 quintillion bytes of data are created every day thats 25 followed by 17 zeros, or roughly 10 quadrillion laptop hard drives..Big data can be truly overwhelming..so how does one go about making sense of it?
Spark and Hadoop Perfect Togeher by Arun MurthySpark Summit
Spark and Hadoop are perfectly together. Spark is a key tool in Hadoop's toolbox that provides elegant developer APIs and accelerates data science and machine learning. It can process streaming data in real-time for applications like web analytics and insurance claims processing. The future of Spark and Hadoop includes innovating the core technologies, providing seamless data access across data platforms, and further accelerating data science tools and libraries.
Chandler 2013 open enrollment presentation with voice kg (2)KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates required by healthcare reform. It outlines the medical plan options (Choice Plus PPO, HDHP1500, HDHP2700), contraceptive coverage changes, breastfeeding support benefits, and HSA contribution amounts. Voluntary benefits like dental, vision, life and disability insurance are also summarized. The open enrollment period is from April 22nd to May 10th.
Chandler 2013 open enrollment presentation with voice 2KimberlyAGuevara
The document provides information about Chandler Unified School District's 2013-2014 UnitedHealthcare plan benefits, including updates to comply with healthcare reform laws, changes to medical plan options and costs, and details about voluntary benefits employees can purchase. Key updates for the upcoming plan year include no-cost coverage of certain women's contraceptives, expanded breastfeeding support benefits, and decreased rates for some medical plans. The HDHP plans will have increased HSA contributions and the dental plan options include a new Total Dental Administrators plan. Voluntary benefits like vision and life insurance also have new carriers.
The document summarizes an employee benefits open enrollment presentation. It outlines changes to the company's medical plan administrator and requirements for employees to make their 2015 benefits elections online by November 21st. It provides overviews of the medical, dental, vision, life and voluntary life insurance plans being offered. It also reviews dependent eligibility, preventive care coverage, prescription drug benefits and resources for finding network providers. Employees are instructed on next steps to complete an online waiver or enrollment form by the deadline.
The attached slide show illustrates Medicare and Medicaid programs and planning strategies in Rockland County, New York as of February of 2011, and may be construed to be Attorney Advertising.
Virginia Tech - New Employee Orientation - Health insurance Presentationvt-hr-service-center
The document provides information about health insurance coverage options for employees of the Department of Human Resources. It outlines the timeline for enrolling in a plan, qualifying life events for mid-year enrollment changes, details of the COVA Care, COVA HealthAware, and High Deductible Health Plans including deductibles, copays, prescription coverage, and buy-up options. It also reviews eligible dependents, preventative care benefits and the employee assistance program for behavioral health.
RLee Insurance Solutions provides seniors with information to help them make the right decisions about their healthcare and insurance needs. The document discusses Medicare basics such as costs, coverage, and recent changes including the permanent replacement of Medicare's sustainable growth rate system. It also explains options like Medigap supplemental plans, Medicare Advantage plans, and Part D prescription drug plans. The goal is to give seniors the facts they need to choose solutions that best suit their individual situations.
The document provides information about employee benefits open enrollment. It summarizes the new medical plan administrator as J.P. Farley and details various insurance plans including medical, dental, vision, life, disability, and voluntary accident and critical illness coverage. It outlines costs and coverage details for each plan. It also discusses eligibility, dependent coverage, qualifying life events, and next steps for enrollment.
[ON-DEMAND WEBINAR] Social Security v. Medicare: Addressing Your Most Asked Q...Rea & Associates
Will Social Security Be There For You?
We don't know anybody who doesn't have questions when it comes to the topic of Social Security and Medicare. There are worries regarding long-term availability, how to maximize benefits, and when certain tasks should be done - to name a few. This hour-long webinar will answer many of these vital questions to provide you with the peace of mind that you need when entering this new phase of your life.
What You'll Learn:
Presented by later life planning experts, Darlene Finzer with Rea & Associates and Terry O'Shea and Rhonda Kraus with Senior Benefit Advantage, we will dive into the following points:
- The two big questions regarding Social Security: Will it be there for me and (if so) how do I maximize benefits?
- A deeper look at the history of Social Security versus where it stands today.
- Important (but maybe lesser-known) facts about Social Security that all Americans should know.
- What is Medicare, what does it cost, what does it cover and when can you get it?
- Comparing original Medicare, Medicare Supplement, and Medicare Advantage - and which one is right for you?
The document provides an overview and summary of the employee benefit plans for an organization's open enrollment period. It includes information about the new medical and prescription drug plan administrator, wellness incentives that reduce premium costs, and an overview of the dental, vision, life, disability, and voluntary accident and critical illness plans. Employees can obtain ID cards, check claims status, and find plan forms on the new administrator's website. The summary also reviews dependent eligibility, premium costs for each plan, and details about coverage and provider networks.
This document summarizes the benefits provided by a membership in Value Benefits of America (VBA), including:
- Unlimited MD Hotline video or phone consultations with doctors 24/7 for medical advice, diagnosis, and prescriptions.
- Reimbursement of up to $7,000 for emergency helicopter air ambulance transportation.
- Seven accident medical expense insurance options providing coverage for accidents with maximum benefits from $2,000 to $25,000 and deductibles from $50 to $275.
This document provides information about employee benefits open enrollment for 2015. It summarizes that employees must make their benefit elections through the ADP website by November 21st to ensure coverage for 2015. It also provides overviews of the new medical plan administrator, dental and life insurance plans, and enrollment steps.
The document discusses challenges facing baby boomers in retirement, including rising healthcare costs, Medicare, and how to plan for medical expenses. It notes that the population over 65 will double in 40 years, while healthcare spending is expected to reach $4.3 trillion or 19.5% of GDP by 2017. Medicare is explained as having hospital insurance (Part A), medical insurance (Part B), supplemental plans (Part C), and prescription drug coverage (Part D). However, many services are not covered, posing a problem for retirees on fixed incomes. Proper planning is key to addressing rising medical costs in retirement.
This document summarizes an employee benefits open enrollment presentation. It states that J.P. Farley will be the new plan administrator for medical and prescription drug coverage. All employees must make their benefit elections through the ADP website by November 21st. It provides an overview of the medical, dental, vision, life insurance, and disability insurance plans being offered. The document reviews costs, coverage details, and networks for each plan. It also includes information on dependent eligibility, preventive care coverage, and the process for making qualifying life event changes to benefits.
The document provides a summary of group insurance benefits for employees of Uberflip, including:
- Basic life insurance of $30,000 reducing to $15,000 at age 70, terminating at age 75 or retirement.
- Optional life insurance in units of $25,000 up to a maximum of $600,000, requiring evidence of insurability.
- Accidental death and dismemberment insurance of $30,000 reducing to $15,000 at age 70, terminating at age 75 or retirement.
- Dependant life insurance of $10,000 for spouse and $5,000 for children, terminating at the employee's termination or age 75.
- Long term disability
Uis seminar shortended medicare fpdd 050716Social Jack
United Insurance Services provides Medicare plans and assistance navigating Medicare options. They have over 30 years of experience helping people enroll in Medicare plans. United Insurance offers personalized support for choosing Medicare plans, including online, phone, or in-home appointments. Their presentation reviewed key aspects of Medicare including eligibility, parts A through D, costs, and supplemental plans to fill coverage gaps. They emphasized scheduling an appointment to enroll in a Medicare plan up to 12 months before turning 65 to avoid delays or penalties.
This document provides information about Medicare eligibility and enrollment. It discusses the different parts of Medicare including Part A (hospital insurance), Part B (medical insurance), Part C (Medicare Advantage), and Part D (prescription drug coverage). It explains eligibility requirements, enrollment periods, costs and penalties for late enrollment. The document also covers Medicaid, Medicare supplements, and options for continuing to work while receiving Medicare benefits.
Individual health insurance options in the age of health care reformPatti Goldfarb, CSA
This document summarizes various health insurance options available in New Jersey, including plans inside and outside the health insurance exchange. It provides details on establishing accounts and selecting plans in the exchange, which offers coverage from three carriers at platinum, gold, silver, and bronze levels. Medicare and Medicaid options are also outlined, such as eligibility and costs for coverage. The document aims to inform individuals on their individual health insurance choices in the state.
Recorded on September 26, 2013 - This webinar, intended for community workers, gives information on maximizing income and benefits for Ontario Disability Support Plan (ODSP) recipients approaching 65. Topics covered include ODSP after 65, senior's pensions and rent subsidies, Canada Pension Plan (CPP) early retirement benefits, income fluctuations, and Old Age Security (OAS) .
Watch at:
http://yourlegalrights.on.ca/webinar/odsp-and-aging
This document provides information about Flexible Spending Accounts (FSAs) offered by UnitedHealth Group. It describes that FSAs allow employees to set aside pre-tax income to pay for eligible medical, dental, vision, and dependent care expenses. Employees can choose a health care FSA, dependent care FSA, or limited purpose FSA. The document reviews how each FSA works, eligible expenses, use it or lose it rules, savings examples, and how UnitedHealth Group's debit card makes payments convenient.
This document provides information on various public benefits programs in Alabama including:
- Medicaid eligibility and income/resource limits for SSI, institutional care, and home and community-based waivers.
- Medicare Savings Programs eligibility and premium subsidies.
- Medicare Part A, B, and D premiums, deductibles, and cost sharing amounts.
- Social Security retirement ages and benefit reductions for early retirement.
- Low Income Subsidy ("Extra Help") eligibility and subsidy levels for Medicare Part D prescription drugs.
- Alabama food assistance program limits.
- Federal estate and gift tax exemptions.
Similar to Fpany financial fitness 2015 medicare & medicaid seminar (20)
This document provides information about estate planning documents and strategies. It discusses durable powers of attorney, health care proxies, living wills, probate vs. non-probate assets, trusts, guardianships, and intestacy. The key points are that everyone needs an estate plan to determine who receives assets and makes medical decisions; proper planning can avoid costs and ensure wishes are followed. It also warns that do-it-yourself plans can have unintended consequences, so consulting experts is recommended.
1. Probating a will in New York involves filing a petition with the Surrogate's Court that identifies the executor, provides the original will and death certificate, and notifies all legal heirs (distributees).
2. The executor must identify all distributees such as spouse, children, parents, siblings etc. and provide them notice of the will, either getting their signatures waiving rights or setting a court date for potential disputes.
3. If disputes arise, there is a process for pre-discovery including examining witnesses and attorneys, and potential discovery and trial if contestants challenge the will's validity or mental capacity of the deceased.
- The document discusses Medicaid eligibility requirements including income and asset limits for individuals and married couples. It covers exceptions for retirement accounts, the primary residence, and certain types of trusts. It also addresses rules regarding the treatment of assets and income for the community spouse of an individual receiving Medicaid benefits.
(1) The document discusses financial planning strategies for disabled individuals and their beneficiaries to optimize the use of government programs while protecting family assets.
(2) It explains the differences between entitlement programs like SSDI and Medicaid, which are based on contributions, versus needs-based programs like SSI that have asset and income limits.
(3) The document provides an overview of trusts, such as supplemental needs trusts, Medicaid asset protection trusts, and pooled trusts, that allow beneficiaries to receive government benefits while preserving assets for their care and quality of life.
(1) This document provides information about Medicare and Medicaid programs, including eligibility, covered benefits, and costs.
(2) It describes key differences between Medicare (an entitlement program covering health care) and Medicaid (a needs-based program covering personal care).
(3) Tips are provided for planning for long-term care, including using trusts to protect assets from the Medicaid lookback period and spend down requirements.
This document briefly explains the June compliance calendar 2024 with income tax returns, PF, ESI, and important due dates, forms to be filled out, periods, and who should file them?.
Sangyun Lee, 'Why Korea's Merger Control Occasionally Fails: A Public Choice ...Sangyun Lee
Presentation slides for a session held on June 4, 2024, at Kyoto University. This presentation is based on the presenter’s recent paper, coauthored with Hwang Lee, Professor, Korea University, with the same title, published in the Journal of Business Administration & Law, Volume 34, No. 2 (April 2024). The paper, written in Korean, is available at <https://shorturl.at/GCWcI>.
Receivership and liquidation Accounts
Being a Paper Presented at Business Recovery and Insolvency Practitioners Association of Nigeria (BRIPAN) on Friday, August 18, 2023.
Guide on the use of Artificial Intelligence-based tools by lawyers and law fi...Massimo Talia
This guide aims to provide information on how lawyers will be able to use the opportunities provided by AI tools and how such tools could help the business processes of small firms. Its objective is to provide lawyers with some background to understand what they can and cannot realistically expect from these products. This guide aims to give a reference point for small law practices in the EU
against which they can evaluate those classes of AI applications that are probably the most relevant for them.
What are the common challenges faced by women lawyers working in the legal pr...lawyersonia
The legal profession, which has historically been male-dominated, has experienced a significant increase in the number of women entering the field over the past few decades. Despite this progress, women lawyers continue to encounter various challenges as they strive for top positions.
Lifting the Corporate Veil. Power Point Presentationseri bangash
"Lifting the Corporate Veil" is a legal concept that refers to the judicial act of disregarding the separate legal personality of a corporation or limited liability company (LLC). Normally, a corporation is considered a legal entity separate from its shareholders or members, meaning that the personal assets of shareholders or members are protected from the liabilities of the corporation. However, there are certain situations where courts may decide to "pierce" or "lift" the corporate veil, holding shareholders or members personally liable for the debts or actions of the corporation.
Here are some common scenarios in which courts might lift the corporate veil:
Fraud or Illegality: If shareholders or members use the corporate structure to perpetrate fraud, evade legal obligations, or engage in illegal activities, courts may disregard the corporate entity and hold those individuals personally liable.
Undercapitalization: If a corporation is formed with insufficient capital to conduct its intended business and meet its foreseeable liabilities, and this lack of capitalization results in harm to creditors or other parties, courts may lift the corporate veil to hold shareholders or members liable.
Failure to Observe Corporate Formalities: Corporations and LLCs are required to observe certain formalities, such as holding regular meetings, maintaining separate financial records, and avoiding commingling of personal and corporate assets. If these formalities are not observed and the corporate structure is used as a mere façade, courts may disregard the corporate entity.
Alter Ego: If there is such a unity of interest and ownership between the corporation and its shareholders or members that the separate personalities of the corporation and the individuals no longer exist, courts may treat the corporation as the alter ego of its owners and hold them personally liable.
Group Enterprises: In some cases, where multiple corporations are closely related or form part of a single economic unit, courts may pierce the corporate veil to achieve equity, particularly if one corporation's actions harm creditors or other stakeholders and the corporate structure is being used to shield culpable parties from liability.
Matthew Professional CV experienced Government LiaisonMattGardner52
As an experienced Government Liaison, I have demonstrated expertise in Corporate Governance. My skill set includes senior-level management in Contract Management, Legal Support, and Diplomatic Relations. I have also gained proficiency as a Corporate Liaison, utilizing my strong background in accounting, finance, and legal, with a Bachelor's degree (B.A.) from California State University. My Administrative Skills further strengthen my ability to contribute to the growth and success of any organization.
Genocide in International Criminal Law.pptxMasoudZamani13
Excited to share insights from my recent presentation on genocide! 💡 In light of ongoing debates, it's crucial to delve into the nuances of this grave crime.
सुप्रीम कोर्ट ने यह भी माना था कि मजिस्ट्रेट का यह कर्तव्य है कि वह सुनिश्चित करे कि अधिकारी पीएमएलए के तहत निर्धारित प्रक्रिया के साथ-साथ संवैधानिक सुरक्षा उपायों का भी उचित रूप से पालन करें।
1. Daniel Timins, Esq., CFP®
dan@timinslaw.com
450 7th Avenue, Suite 1500
New York, NY 10123
(212) 683-3560
2. All information contained in these
pages is for informational purposes
only. It should not be considered legal
advise. Please consult an attorney
before taking any steps based on this
information.
3. ◦ MEDICARE:
An “Entitlement ProgramEntitlement ProgramEntitlement ProgramEntitlement Program” – you paid for it, you get it
Pays for HEALTH care
◦ MEDICAID:
A “Needs Based ProgramNeeds Based ProgramNeeds Based ProgramNeeds Based Program”
(1) Must have the physical / mental need
(2) “Means Tested”: must meet asset & income limits
Pays for PERSONAL care / Activities of Daily Living
4. PART A: Inpatient Hospital Care
Pay up to $407 per month (if “Ineligible”)
PART B: Supplemental Medical Insurance
Pay $104.90 - $335.70 per month (see future slide)
PART C: Managed Care
Cost varies by plan
PART D: Prescription Drug Benefits
◦ $0-$50 per month; cost varies by plan; higher-
income consumers often pay more
5. Operating expenses
Semi-private room and meals
Nursing services
Social services
Use of hospital equipment
Rehabilitation services
Diagnostic testing
6. Skilled Nursing Facility
◦ Physician must certify rehab is needed for a
hospital treatment in last 30 days
◦ There is an ~ $157.50 per day coinsurance charge
for day 21 – 100
Home Health Care
◦ Pays for full cost up to 100 home visits, but MUST
occur after a hospital or skilled nursing facility stay
◦ Recipient MUST be confined at home
◦ PART B may cover additional expenses
7. “Luxury” and Elective surgeries
Most services performed outside of US
Procedures performed in federal facilities
8. (1) Everyone aged 65 and older who is receiving a monthly
Social Security (including survivor’s benefits), or
(2) People aged 65 and over who have deferred receiving
Social Security retirement benefits (must apply for
Medicare; others in “pay status” are automatically
enrolled), or
(3) 65 year old civilian employees of the federal
government who did not elect into the Social Security
system under the 1983 law, or
(4) People who receive or are eligible to receive railroad
retirement benefits, or
(5) Any spouse aged 65 and over of a fully insured worker
who is at least aged 62
9. What if I am not eligible for PART A?What if I am not eligible for PART A?What if I am not eligible for PART A?What if I am not eligible for PART A? YouYouYouYou
have to pay for ithave to pay for ithave to pay for ithave to pay for it!!!!
If insured worked for less than 30 quarters of
his or her life:
◦ Can voluntarily enroll by paying premiums of
approximately $407 per month
◦ Premium can increase monthly
If insured worked between 30 and 39 quarters
of his or her life
◦ Can voluntarily enroll by paying premiums of
approximately $290 per month
◦ Premium can increase monthly
10. Covers hospital expenses for up to 90 days for
each “benefit period” (spell of illness)
◦ A “benefit period” ends only AFTER recipient has been
out of a hospital OR skilled nursing facility for 60
consecutive days
◦ At that time a new benefit period begins
◦ First 60 days of benefit period are paid in full with an
~ $1,260 deductible
◦ Next 30 days of benefit period are paid in full with an
~ $315 coinsurance charge for EACH day
Also, there is an additional 60 “lifetime reserve
days” over an individual’s lifetime
◦ $630 coinsurance per day
◦ Recipient can choose when to use these days
11. Physician and Surgeon fees
Diagnostic tests in hospitals and Dr. offices
Physical or occupational therapy
Radiation therapy
Medical supplies and devices
Ambulance service
Pap smears and one yearly mammogram
Flu and pneumonia vaccinations
Emergency room care
Drugs that CANNOT be self-administered
12. Custodial care
Routine physical, eye & hearing exams and
tests
Eye glasses and hearing aids
◦ (potential 1 time exemption for hearing aids)
Routine foot care and orthopedic shoes
Immunizations
Cosmetic surgery
Dental care and dentures
13. Monthly premiums for PART B are based on your
income…
…but beware of a drastic bump-up on 30% of people
in 2016
If your yearly income in 2013 (for what you pay in 2015) wasIf your yearly income in 2013 (for what you pay in 2015) wasIf your yearly income in 2013 (for what you pay in 2015) wasIf your yearly income in 2013 (for what you pay in 2015) was
You payYou payYou payYou pay
((((in 2015)in 2015)in 2015)in 2015)
You MAY pay
(in 2016)File individualFile individualFile individualFile individual
tax returntax returntax returntax return
File joint tax returnFile joint tax returnFile joint tax returnFile joint tax return
File married & separate taxFile married & separate taxFile married & separate taxFile married & separate tax
returnreturnreturnreturn
$85,000 or less $170,000 or less $85,000 or less $104.90$104.90$104.90$104.90 $105$105$105$105----$160$160$160$160
above $85,000
up to $107,000
above $170,000 up
to $214,000
Not applicable $146.90 $223.00
above $107,000
up to $160,000
above $214,000 up
to $320,000
Not applicable $209.80 $318.60
above $160,000
up to $214,000
above $320,000 up
to $428,000
above $85,000 and up to
$129,000 $272.70 $414.20
above $214,000 above $428,000 above $129,000 $335.70 $509.80
14. PART B pays 80% of approved medical
expenses after an $147 annual deductable
Like PART A, PART B is automatic at age 65
◦ If you do not want PART B you must reject it in
writing by2 months of receiving Medicare Notice
◦ If you change your mind later you have to pay for
past-years (expensive)
15. Participants can elect to have Medicare benefits
provided by a managed care plan
◦ An HMO, PPO or insurance company (but MUST use a
preferred provider unless an emergency)
◦ The Participant still pays PART B premiums, and
usually pays more for PART C…
◦ …BUT deductibles are usually eliminated and copays
are lowered to reasonable amounts
◦ A Medigap policy may not be necessary (because
coverage is often redundant)
16. Benefits must be at least equal to (and
sometimes better than) those available
under Medicare
Additional Benefits:
◦ Prescription drugs
◦ Eyeglasses and hearing aids
◦ routine physical exams
17. You MUST have PART D unless you haveYou MUST have PART D unless you haveYou MUST have PART D unless you haveYou MUST have PART D unless you have
supplemental healthsupplemental healthsupplemental healthsupplemental health insuranceinsuranceinsuranceinsurance
A voluntary program available to all people
entitled to PART A and enrolled in PART B
Run through private plans that develop a list of
covered drugs
◦ Plans do NOT need to cover EVERY prescription drug…
◦ …BUT must cover at least TWO in each therapeutic
category and class
Premium is approximately $50 per month
(depending on the chosen plan)
18. ACTIVITIES OF DAILY LIVING (“ADLs”)ACTIVITIES OF DAILY LIVING (“ADLs”)ACTIVITIES OF DAILY LIVING (“ADLs”)ACTIVITIES OF DAILY LIVING (“ADLs”)
◦ Transferring (Walking)
◦ Bathing
◦ Dressing
◦ Eating
◦ Continence
◦ Toileting
19. Healthy Married Couple: When some aging
illness is diagnosed or no earlier than 70s
Single Person with No Kids: NEVER (Private
pay caregiving is better than Medicaid care)
Disabled Family Member: Immediately
Disabled Minor Family Member: Prior to them
attaining age 18
20. The type of Medicaid benefit youThe type of Medicaid benefit youThe type of Medicaid benefit youThe type of Medicaid benefit you receive determines “look back” periodsreceive determines “look back” periodsreceive determines “look back” periodsreceive determines “look back” periods
(I.e. the penalty for transferring assets)(I.e. the penalty for transferring assets)(I.e. the penalty for transferring assets)(I.e. the penalty for transferring assets)
Home / CommunityHome / CommunityHome / CommunityHome / Community CareCareCareCare
Personal care, physical therapy,Personal care, physical therapy,Personal care, physical therapy,Personal care, physical therapy,
home health care and home healthhome health care and home healthhome health care and home healthhome health care and home health
aid services;aid services;aid services;aid services; cccclinical or outlinical or outlinical or outlinical or out----patientpatientpatientpatient
basis; includes physicians, dentists,basis; includes physicians, dentists,basis; includes physicians, dentists,basis; includes physicians, dentists,
pharmaceutical, nurserypharmaceutical, nurserypharmaceutical, nurserypharmaceutical, nursery
Institutional CareInstitutional CareInstitutional CareInstitutional Care
Hospitals, medical facilities,Hospitals, medical facilities,Hospitals, medical facilities,Hospitals, medical facilities,
nursing homesnursing homesnursing homesnursing homes
21. You have to give away Money (gifting)You have to give away Money (gifting)You have to give away Money (gifting)You have to give away Money (gifting)
AND / ORAND / ORAND / ORAND / OR
You have to give up control of spendingYou have to give up control of spendingYou have to give up control of spendingYou have to give up control of spending
22. ASSETSASSETSASSETSASSETS
$14,850$14,850$14,850$14,850 in the recipient’s name
EXCEPTIONS:
•“Burial Allowance” of $1,500
•Life Insurance: $1,500 cash value
•Personal Property (unlimited)
•Client’s HouseClient’s HouseClient’s HouseClient’s House (ONLY for Home &
Community care)
•Supplemental Needs TrustsSupplemental Needs TrustsSupplemental Needs TrustsSupplemental Needs Trusts
•Medicaid TrustsMedicaid TrustsMedicaid TrustsMedicaid Trusts
•Retirement PlansRetirement PlansRetirement PlansRetirement Plans (IRAs) are exempted
from assets if they are in “payout status”
(Required Minimum Distributions or
Separate and Equal Periodic Payments if
recipient is under age 59 ½), in which
case payments are included in Income
MONTHLYMONTHLYMONTHLYMONTHLY INCOMEINCOMEINCOMEINCOME
HOME CARE: $825 per month$825 per month$825 per month$825 per month
• Any excess income must go to
the recipient’s “SPEND DOWN”“SPEND DOWN”“SPEND DOWN”“SPEND DOWN”
• Often goes to a “POOLED
TRUST”
INSTITUTIONAL: ALL of the
recipient’s monthly income in
excess of$50 must be paid to
the NH to offset Medicaid
payments
23. DepartmentDepartmentDepartmentDepartment of Social Services and Medicaid impose a “of Social Services and Medicaid impose a “of Social Services and Medicaid impose a “of Social Services and Medicaid impose a “LookbackLookbackLookbackLookback Period” forPeriod” forPeriod” forPeriod” for
transferring assets outside of the proposed recipient’s nametransferring assets outside of the proposed recipient’s nametransferring assets outside of the proposed recipient’s nametransferring assets outside of the proposed recipient’s name
Home & Community CareHome & Community CareHome & Community CareHome & Community Care
3 MONTH3 MONTH3 MONTH3 MONTH LookbackLookbackLookbackLookback
One Strategy:
Transfer all financial assets
(except $14,850) to a non-
spouse, wait one month for
bank statements to be
updated, then apply for
Home Care.
DOWNSIDE: If the recipient
needs Nursing Home care…
the 5 Year Look back rule
applies
NursingNursingNursingNursing HomeHomeHomeHome
5 Year5 Year5 Year5 Year LookbackLookbackLookbackLookback PeriodPeriodPeriodPeriod, and the Homestead, and the Homestead, and the Homestead, and the Homestead
can be attached by Medicaidcan be attached by Medicaidcan be attached by Medicaidcan be attached by Medicaid
EXAMPLE: In January, 2011 Mary transfers her Coop
and most of her assets to her son Joe (total of
$280,000), and applies for Home Care. In March
2015 Mary goes to a Nursing Home. She failed to
make the 5 year Lookback (4 years & 2 months).
Nursing Home Care in Manhattan equals
approximately $12,000 per month.
$280,000 (amount gifted) = 23.3 MONTH
$12,000 (monthly benefit) “Penalty Period”
Medicaid will not pay Mary’s Nursing Home benefits
for 23 months. ..and Joe is liableJoe is liableJoe is liableJoe is liable. Joe should have
paid for Mary’s care for 10 more months to get
through Mary’s Lookback Period.
24. DifferentDifferentDifferentDifferent Types of Trusts are required for ASSETS and INCOMETypes of Trusts are required for ASSETS and INCOMETypes of Trusts are required for ASSETS and INCOMETypes of Trusts are required for ASSETS and INCOME
Both require giving up controlBoth require giving up controlBoth require giving up controlBoth require giving up control
“MAPT”: Medicaid Asset“MAPT”: Medicaid Asset“MAPT”: Medicaid Asset“MAPT”: Medicaid Asset
Protection TrustProtection TrustProtection TrustProtection Trust
• Protects & transfers assets
• Your choice of Trustee
(anyone except you & spouse)
• Your beneficiaries keep the
assets at your death
Assets MUST adhere to look
back periods, so do in advance
Pooled TrustPooled TrustPooled TrustPooled Trust
• Hold excess income “Spend Down”
• You choose the Not-For-Profit
agency that runs the trust
• The agency keeps any excess
assets left at the time of death
Needs to be done around the time
you apply for Medicaid benefits
25. NO principle can be distributed
◦ Income distributions are optional
◦ A pure “Asset Transfer vehicle”
◦ Perfect for illiquid assets, such as real estate
Elder client is Beneficiary & Creator
Child(ren) is the Trustee
Look-Back Period still applies
◦ Does NOT work at the last minute – need to planneed to planneed to planneed to plan
Deed & account changes required; separate
tax return may be needed for invested assets
26. Step-up in basis is maintained at client’s
death
Assets are protected from children’s creditors
Client qualifies for Medicaid based on Look
Back period (Home / Institutional Care)
Trust can hold almost any Asset
◦ Example: LLP Fractional ownership of NYC parking
garages, investment real estate, investments
27. For 3rd Party Money (Ex: Parent’s $)
◦ Inter Vivos Supplementary Needs Trusts
◦ Testamentary SNTs (in Will)
For 1st Party Money (the Recipient’s $)
◦ Pooled Trusts (payback provisions apply)
◦ Inter Vivos SNTs (payback provisions apply)
◦ Promissory Notes (protects 40%-45%)
28. The “Community Spouse” is entitled to some assets and
income, but they are limited
If spouse is in a Nursing Home:
◦ $2,931 of income per month
◦ $74,820 - $117,240 of resources
If spouse has Home Care:
◦ Combined income of $1,192 per month
During the Medicaid Application process the well spouse
may exercise a “Spousal Refusal” to avoid inclusion of
his/her assets and income
◦ Medicaid may accept this, but will have a claim against the well
spouse when he/she dies
New “Spousal Impoverishment” rules avoid liens
29. 1.1.1.1. Determining HOW MUCH to transferDetermining HOW MUCH to transferDetermining HOW MUCH to transferDetermining HOW MUCH to transfer
◦ Proper income generation still required
2. Knowledge of Cost Basis / Capital Gains
taxes is more important than ever
3. Identifying ALL of the assets, income &
gifting is ESSENTIAL
30. Execute POAs & HCPs early
Gift early / Fund Trusts early
Pre-pay burials
Look into child / sibling care givers for
homestead exemption
Look at disabled parent / child pairs
Fund IRAs / Retirement as much as possible
31. Roth IRA Conversations do NOT avoid RMDs /
72t SEPP
◦ STILL have to take Required Minimum Distributions
Commercial Annuities are HORRIBLE for
Medicaid Planning (unless in IRAs)
Large cash values in Life Insurance policies
are also bad - $1,500 limit on cash value
32. An Employee?
◦ You “Hire” someone at 30 Hours Per Week
◦ Need Worker’s Comp / Disability
◦ Withhold for Payroll Taxes
◦ Should have a Time Card
If You Don’t…
◦ Worker’s Comp can GET YOU
◦ IRS / NY Tax authority can GET YOU
◦ Care Giver can GET YOU
33. “This is a family friend”
“She only accepts cash”
“We pay her under the table”
“Mom doesn’t like ________”
“We have known her forever”
“A friend recommended her”
“She can work 24 / 7”
34. 1. Hire an OUTSTIDE Social Worker
◦ Not biased toward care hours
2. Use an AGENCY for Care Givers
1. IF you choose an unlicensed Care Giver:
◦ Background Check!!!
◦ Do ALL things on prior page
◦ Keep receipts: Care may be Tax Deductible
◦ Do NOT pay cash
◦ Remove jewelry & financial statements