This presentation was given on 12/14/21 to help professional and lay caregivers understand how to help seniors in issues involving public benefits, including Social Security, SSI, Medicare, Institutional Medicaid and Medicare Savings Programs.
These slides were part of a South Central Alabama Development Commission Facebook live training 08/21/20 describing the State Health Insurance Services provided by that agency.
Part of a live Facebook Event provided 08/21/20 by South Central Alabama Development Commission, these slides explain the Older Americans Act Legal Assistance Program provided by that agency.
These slides were part of a South Central Alabama Development Commission Facebook live training 08/21/20 describing the State Health Insurance Services provided by that agency.
Part of a live Facebook Event provided 08/21/20 by South Central Alabama Development Commission, these slides explain the Older Americans Act Legal Assistance Program provided by that agency.
The Department of Education discharges tens of thousands of federal student loans due to the borrower disability. Learn what is need to successfully prove disability to earn a discharge of a federal student loan. Michigan attorney Thomas Golden also explains how a student loan discharge might financially harm certain disabled people.
Melisa Mysliwiec's presentation addresses social security benefits for children with disabilities for both themselves and their families and the proper steps to claim supplemental security income. Other insights from her talk included:
- Eligibility for Supplemental Security Income for Children with Disabilities
- Resources Included in Supplemental Security Income
- Proper Steps for Supplemental Security Income for Disabled Adult Children
- Correct Methods for Contacting the Social Security Administration
For more information on creating and revising plans for children with disabilities, contact attorney Melisa M.W. Mysliwiec at mmysliwiec@fraserlawfirm.com or 616-301-0800.
Medicaid is a government health insurance program that can become quite important to people who were never poor, because it pays for long-term care. The Medicare program will not pay for custodial care. Learn more about Maryland medicaid in this presentation.
Can I Qualify for Medicaid If I Own a Home?John Potter
Medicaid is the solution for a significant percentage of seniors who need long-term care, because it will pay for living assistance. Since it is a need-based program, there are income and asset limits. The good news is that some things do not count, and your home is one of these things.
A Guide to Supplemental Security Income (SSI) for Groups and Organizations Julie Wilson
This booklet explains the SSI program to help institutions, groups, and organizations that have contact with people who get, or may be able to get, SSI.
With this in mind, let's look at the legal device called a special needs trust. Learn more about special needs trust in Connecticut in this presentation.
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 presentation will help you understand the strategies for patient enrollment & navigation and there by reduce the risk of caring for the uninsured.
Recorded on September 26, 2013 - This webinar, presented by the ODSP Action Coalition, describes recent updates and changes to the Ontario Disability Support Program (ODSP). It is a follow-up to the Coalition's first webinar ODSP: Know Your Benefits. It is recommended that you watch ODSP: Know Your Benefits first.
Watch this webinar at:
http://yourlegalrights.on.ca/webinar/odsp-know-your-benefits-rights-and-responsibilities
Boston Medicare and Medicaid Attorneys Cohen & Oalican discuss the impact of the Uniform Probate code as it impacts Advanced Directives.
http://www.cohenoalican.com
What else can i claim if i get an attendance allowanceAbhishekShukla487
You can also receive additional support whether you obtain an attendance allowance. Whenever you receive the attendance allowance, you will be eligible to receive aid with the Council tax through obtaining support from the Council reduction in taxes.
The Department of Education discharges tens of thousands of federal student loans due to the borrower disability. Learn what is need to successfully prove disability to earn a discharge of a federal student loan. Michigan attorney Thomas Golden also explains how a student loan discharge might financially harm certain disabled people.
Melisa Mysliwiec's presentation addresses social security benefits for children with disabilities for both themselves and their families and the proper steps to claim supplemental security income. Other insights from her talk included:
- Eligibility for Supplemental Security Income for Children with Disabilities
- Resources Included in Supplemental Security Income
- Proper Steps for Supplemental Security Income for Disabled Adult Children
- Correct Methods for Contacting the Social Security Administration
For more information on creating and revising plans for children with disabilities, contact attorney Melisa M.W. Mysliwiec at mmysliwiec@fraserlawfirm.com or 616-301-0800.
Medicaid is a government health insurance program that can become quite important to people who were never poor, because it pays for long-term care. The Medicare program will not pay for custodial care. Learn more about Maryland medicaid in this presentation.
Can I Qualify for Medicaid If I Own a Home?John Potter
Medicaid is the solution for a significant percentage of seniors who need long-term care, because it will pay for living assistance. Since it is a need-based program, there are income and asset limits. The good news is that some things do not count, and your home is one of these things.
A Guide to Supplemental Security Income (SSI) for Groups and Organizations Julie Wilson
This booklet explains the SSI program to help institutions, groups, and organizations that have contact with people who get, or may be able to get, SSI.
With this in mind, let's look at the legal device called a special needs trust. Learn more about special needs trust in Connecticut in this presentation.
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 presentation will help you understand the strategies for patient enrollment & navigation and there by reduce the risk of caring for the uninsured.
Recorded on September 26, 2013 - This webinar, presented by the ODSP Action Coalition, describes recent updates and changes to the Ontario Disability Support Program (ODSP). It is a follow-up to the Coalition's first webinar ODSP: Know Your Benefits. It is recommended that you watch ODSP: Know Your Benefits first.
Watch this webinar at:
http://yourlegalrights.on.ca/webinar/odsp-know-your-benefits-rights-and-responsibilities
Boston Medicare and Medicaid Attorneys Cohen & Oalican discuss the impact of the Uniform Probate code as it impacts Advanced Directives.
http://www.cohenoalican.com
What else can i claim if i get an attendance allowanceAbhishekShukla487
You can also receive additional support whether you obtain an attendance allowance. Whenever you receive the attendance allowance, you will be eligible to receive aid with the Council tax through obtaining support from the Council reduction in taxes.
6 Critical Social Security Facts Retirees Must KnowBravias Financial
If you are like most Americans, Social Security
may provide a significant portion of your income
in retirement. According to Social Security
Administration (SSA) statistics, Social Security
benefits account for about 36 percent of retirement
income for the average American.1 One of the
biggest mistakes today’s retirees can make is to
underestimate the importance of Social Security in
their retirement strategies. In an era of vanishing
pensions and volatile markets, Social Security offers
government guaranteed income that isn’t vulnerable
to market risk, can’t be outlived, and can provide for
your loved ones after your death.
Medicare and Medicaid: What Are the DifferencesMark Eghrari
A look at how these two government programs for seniors differs from each other, the way they are run, the benefits, as well as the qualifying requirements. Learn more about medicare and medicaid in this whitepaper.
Social Security Disability Insurance (SSDI) and Supplemental Security Income ...mitoaction
Please join us on Friday, August 7, 2015 as we welcome two experts in the field of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) provide an overview of these public benefits for Mito patients. Topics to be covered in this conference call include:
Overview of SSI and SSDI programs;
The differences between SSI and SSDI;
Social Security’s definition of disability as it pertains to mitochondrial disease;
How SSDI is designed to work, eligibility criteria, and the full range of SSDI benefitts;
The application and appeals processes for SSI and SSDI;
Resources available to support SSI and SSDI applications and appeals processes;
Information on SSI and SSDI benefits for adult disabled children;
Returning to work after obtaining social security benefits (the "Ticket to Work Program");
Specific challenges for individuals with mitochondrial disease in applying for SSDI and how to address them; and
The benefits of professional representation and how to evaluate representation options.
What Is the Five Year Medicaid Look-BackMark Eghrari
Though the majority of senior citizens will qualify for Medicare coverage, Medicare is not set up to cover custodial care costs. Learn more about New York medicaid look-back in this presentation.
With the cost of Long Term Care Insurance continuing to rise, advisors look for new ways to deliver meaningful solutions to address the needs of the clients at death… and during their lives. We’ll take a closer look at what’s going on in the LTC Marketplace, and what solutions are appropriate to meet the needs of your high net worth clients.
A Woman's Guide to Health Care in RetirementDolf Dunn
Health care in retirement can be one of the largest expense items for people, especially women. It is crucial you plan on these costs in your retirement budget. Need help? Give us a call.
Is Your Retirement At Risk In Today's Economy?Neal Mandelbaum
If you are seeking guaranteed, predictable income that you cannot outlive with the flexibility to start and stop your payments, then Income For Life may be right for you.
Does Medicare Pay for Long-Term Care in New YorkMark Eghrari
For many, the solution is Medicaid. This program does pay for living assistance if you can qualify, but it is only available to people with limited assets. Many people obtain eligibility through a process called a spend down. Learn more about long-term care in New York in this presentation.
Long-Term Care: Scan the Options is a project Davis & Neal produced for the South Central Alabama Development Commission, Area Agency on Aging (SCADC) which serves Bullock, Butler, Crenshaw, Lowndes, Macon and Pike Counties, Alabama. This project included a booklet, posters and postcards to help seniors and caregivers become knowledgeable of the options, cost and availability of long-term care and how to make arrangements for care. The content and art were produced by Neal.
In 2020, the Ministry of Home Affairs established a committee led by Prof. (Dr.) Ranbir Singh, former Vice Chancellor of National Law University (NLU), Delhi. This committee was tasked with reviewing the three codes of criminal law. The primary objective of the committee was to propose comprehensive reforms to the country’s criminal laws in a manner that is both principled and effective.
The committee’s focus was on ensuring the safety and security of individuals, communities, and the nation as a whole. Throughout its deliberations, the committee aimed to uphold constitutional values such as justice, dignity, and the intrinsic value of each individual. Their goal was to recommend amendments to the criminal laws that align with these values and priorities.
Subsequently, in February, the committee successfully submitted its recommendations regarding amendments to the criminal law. These recommendations are intended to serve as a foundation for enhancing the current legal framework, promoting safety and security, and upholding the constitutional principles of justice, dignity, and the inherent worth of every individual.
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.
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.
A "File Trademark" is a legal term referring to the registration of a unique symbol, logo, or name used to identify and distinguish products or services. This process provides legal protection, granting exclusive rights to the trademark owner, and helps prevent unauthorized use by competitors.
Visit Now: https://www.tumblr.com/trademark-quick/751620857551634432/ensure-legal-protection-file-your-trademark-with?source=share
Defending Weapons Offence Charges: Role of Mississauga Criminal Defence LawyersHarpreetSaini48
Discover how Mississauga criminal defence lawyers defend clients facing weapon offence charges with expert legal guidance and courtroom representation.
To know more visit: https://www.saini-law.com/
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.
2. Jan Neal
Jan Neal Law Firm, LLC
207 N 4th St, Opelika, AL 36801
(334) 745-2779
1-800-270-7635
www.janneallaw.com
3. THE ROLE OF THE SENIOR CAREGIVER
IN IDENTIFYING PUBLIC BENEFITS
Benefits for which seniors might qualify have become complex and confusing over the years,
sometimes resulting in benefits left on the table and seniors losing benefits they previously qualified
for.
Caregivers can play a critical role in helping those they care for identify qualification for and ways to
protect critically important benefits.
Benefits.gov (formerly GovBenefits.gov) was one of the earliest “E-Government” initiatives to launch
in 2002 and was established as the official benefits website of the U.S. government. It may be found
at https://www.benefits.gov/. This is a tool designed to help individuals identify benefits for which
they might qualify, but it is a tool that requires a great deal of patience and comfort with technology.
It takes a checklist approach for eligibility and is not designed to help the user understand the big
picture. In other words, it is not a replacement for basic public benefit knowledge needed by seniors
and their caregivers.
4. Understanding rights and responsibilities for those who draw benefits is important in order to keep
from making mistakes that result in ineligibility or having to pay back overpaid benefits.
We will look at income programs of Social Security (SS) and Supplemental Security Income (SSI) and
how those benefits, while vastly different from an eligibility perspective, can both provide health
care coverage. Sometimes these programs overlap, and so does healthcare coverage from the
different programs.
Government benefits generally fall into two categories: means-tested (or needs-based) and
entitlement. Means-tested benefits require the client to qualify financially, while entitlement benefits
are not in any way related to income or assets. It is essential to understand the difference in the two
types of benefits.
SS is not means-tested, rather benefits are an entitlement. In other words, if you paid into the system
and meet the requirements to draw benefits, you are entitled to draw those benefits.
SSI is means-tested. The person drawing benefits can only have limited income and resources to be
eligible, so these are non-earned benefits.
MEANS TESTED VS NON-MEANS TESTED BENEFITS
5. WHERE DO WE LEARN THIS STUFF?
Sadly, basic information about public benefits, much less complex information, is seldom taught in
professional educational settings. Many people enter the workforce and learn case by case. The only
problem with a sink or swim approach is that the clients are the ones who sink when help is not
available.
No matter what service is being provided to a senior, you can be a life-saver if you can spot problems
and potential benefits to help the senior find the resources and information he or she needs at a given
time.
It is important to learn as much as possible through educational forums like this one you are attending
today and to self-teach as much as possible.
This training is very limited in scope but should provide you with information about your strengths and
weaknesses in understanding some basic public benefits to allow you to find more information about
those areas about which you know the least.
A good training source is https://www.benefits.gov/categories and other resources are offered later in
this presentation.
6. Stages of Planning with Required Benefit Knowledge
• Any time a senior is having trouble paying his or her bills
Identifying any benefits for which the senior might qualify
• When a person is already drawing benefits
how to keep existing benefits
• When a person younger than 65 becomes disabled
how to access income
how to obtain health insurance coverage
• When a person approaches SS and Medicare Age (60+)
when and how to apply for SS
when and how to apply for Medicare or Medicaid
• When a person is in physical or mental decline and the need for long-term care is possible in the next
five years
understanding when and how much Medicare will pay for long-term care
when and how to apply for Medicaid to pay for long-term care
7. SOCIAL SECURITY
MassMutual recently gave a 12-question true/false quiz to 1,500 people ages 55 to 65 who have not yet
claimed their Social Security benefits.
Only 3% of the respondents were able to answer all of the questions correctly.
35% of the respondents failed the quiz altogether.
18% received a D grade.
8. 1. If I take benefits before my full retirement age, they will be reduced for early filing.
2. If I am receiving benefits before my full retirement age and continue to work, my benefits might be
reduced based on how much I make.
3. Once I start collecting Social Security, my benefit payments will never change.
4. If I have a spouse, he or she can receive benefits from my record even if he or she has no individual
earnings history.
5. If I have a spouse and he or she passes away, I will receive both my full benefit and my deceased
spouse’s full benefit.
6. The money that comes out of my paycheck for Social Security goes into a specific account for me and
remains there, earning interest, until I begin to receive Social Security benefits.
7. Under current Social Security law, full retirement age is 65 no matter when you were born.
8. As a divorced person, I might be able to collect Social Security benefits based on my ex-spouse’s
earnings history.
9. Under current law, Social Security benefits could be reduced for everyone in 2035.
SOCIAL SECURITY TEST
9. 10. If I file for retirement benefits and have dependent children age 18 or younger, they also may qualify
for Social Security benefits.
11. If I delay taking Social Security benefits past the age of 70, I will continue to get delayed retirement
credit increases each year I wait.
12. I must be a U.S. citizen to collect Social Security retirement benefits.
11. TEST SSI
1. The income of a spouse who is separated from the SSI applicant counts toward the income limit.
2. The income of a divorced spouse living in the home with the SSI applicant will count toward the income limit.
3. All earned income counts for SSI eligibility.
4. Mary is on SSI. Money spent by Mary’s daughter to pay her telephone or medical bills will not count as income
for SSI eligibility.
5. If John, and SSI recipient, inherits land worth $35,000 and deeds it to his nephew he will be penalized by being
ineligible for SSI for 44.08 months.
6. When someone applies for SSI Social Security looks back five years to see if assets were transferred for less
than fair market value is five years.
7. If Dorothy, an SSI recipient moves in with her son’s family and pays no rent she may lose up to one-third of her
SSI benefits.
8. Fred lives in a small home on a one acre plot attached to another 100 acres of land he owns valued at
$300,000. He cannot qualify for SSI due to the value of the 100 acres he owns
9. If Toni, a 55 year old SSI Disability recipient, is penalized for transferring property and that penalty is longer
than 12 months, she will have to reapply after the penalty ends, including reestablishing her disability.
10. If you receive an SSI overpayment notice and request an appeal within 10 days from the date you receive the
notice, your current SSI payments will continue until Social Security makes a determination.
13. TEST MEDICARE
1. If I retire at age 62 I will be eligible for Medicare coverage.
2. If I become eligible for Social Security Disability I will be eligible for Medicare coverage back to the date of
qualification.
3. If I am under age 65 and am on kidney dialysis or have a kidney transplant I can qualify for Medicare Part A
premium free.
3. If I do not need any drugs at the time I apply for Medicare I can delay signing up for a drug plan without
consequences at a later date if my drug expenses increases.
4. I can initially apply for Medicare during a seven month window.
5. If I did not work and pay Medicare tax I may still qualify for Medicare on my spouse’s account.
6. Medicare Part C is the part of Medicare that pays for durable medical equipment.
7. The cost of your Medicare Part B premium is based on your income.
8. Medicare Part B covers 85 percent of approved medically necessary outpatient services and supplies.
9. Medicare drug plans are sold only as stand-alone drug plans.
10. During the COVID-19 pandemic Medicare beneficiaries, including those on Medicare Advantage plans, cannot be
billed for lab tests and related charges for COVID testing.
15. TEST LIS/MSP
1. Low Income Subsidies (LIS) are benefits to supplement seniors with cash payments to raise income
levels above the poverty level.
2. The Medicare Savings Programs (MSP) are administered by Medicaid to assist low income
Medicare beneficiaries to pay for the cost of health care.
3. Low Income Subsidy (LIS) benefits will reduce prescription drug costs for seniors.
4. QMB, SLMB and QI-1 are different types of Medicare Savings Plans.
5. LIS eligibility is based on income and resources.
6. MSP eligibility is based on income and resources.
7. Application for LIS is made at Social Security.
8. Application for MSP is made at Medicaid.
9. If a person qualifies for QMB, he needs to continue purchasing a Medicare Supplemental Policy.
10. People who qualify for LIS are allowed to switch health care plans during Open Enrollment and
an additional three times per year.
17. Test Institutional Medicaid
1. When a person applies for Medicaid to pay for long term care the agency will examine all his or her financial
transactions as far back as three years to determine if anything was given away or sold for less than fair market
value.
2. If a Medicaid applicant sells property the sales price should be the tax assessor’s appraised value or a commercial
appraisal if the tax value is over a year old.
3. An individual with income over the Medicaid income limit of $2382 cannot qualify for benefits.
4. When a married person applies for Medicaid the snapshot of countable assets owned by the couple is what they
owned on the date of application.
5. For married applicants the income that counts toward the income limit is the combined income of both spouses.
6. A relative can be required to pay for institutional care during the time the Medicaid application is pending.
7. Medicare will pay for nursing home care for 21 days with no copayments if he is hospitalized for three days prior
to admission to a nursing home and skilled care is ordered.
8. The Minimum Monthly Maintenance Needs allowance is the amount Medicaid will pay for a person’s care in a
nursing facility.
9. If Mary is admitted to a nursing home on June 1 and dies on June 27 Medicaid will pay for the 27 days she was a
nursing home patient.
10. Medicaid can pay as far back as two months prior to application if all eligibility requirements were met during
those two months.
19. One of the most confusing areas is the intersection of Benefits and Health Care. Social Security
and Supplemental Security Income (SSI) intersect health care coverage in several ways.
A good rule to remember is:
• Social Security is married to Full Retirement Age (or reduced benefits at 62) or Disability, and
• SSI is married to age 65 or Disability (means based), and
• Medicare is married to Age 65 or 24 months following a finding of Social Security Disability,
• Medicaid is married to Supplemental Security Income (SSI), Medicare Savings Programs, Home
and Community Based Medicaid Waiver services or Institutional Medicaid (all means based).
HEALTH INSURANCE AND BENEFITS
20. EXAMPLES OF WHEN HELP MAY BE NEEDED
Frankly, it is a full time job acquiring and protecting a person’s public benefits requiring a good
deal of attention to detail and accountability. This is the reason it is so hard to be a lay caregiver.
Professional caregivers can help in numerous ways by spotting problems and directing the senior/caregiver
in need to the right source of information and help. Encouraging people to ask and then act rather than act
and then ask is a great service.
But in order to refer for help, the caregiver must first be able to spot a problem or potential problem
Times when a person needs advice and referral may be:
• When income or resources change
• When a family member dies
• When a move is planned
• When the sale of a house or car is planned
• When health is in decline and long-term care is in the future
• When a relative is taking money or encouraging the senior to give them money
• When health care needs are not being met (drugs cannot be purchased, routine medical care cannot be obtained
• When hunger is a reality
• When a SS or SSI overpayment notice is received
• When a Medicare claim has been denied
21. WHERE TO REFER
The M4A Aging and Disability Resource Center (ADRC) is a place to reach programs that assist with
many benefits including:
Caregiver Support: Information, Assistance, Education, Counseling, Respite, and Supplemental
Services.
Home & Community Based Services: In home services and care coordination to help older and
disabled individuals remain in their homes.
Insurance Counseling: Counseling, advocacy, and help with Medicare, Medicaid, Prescription
coverage, Long-Term Care, and Medicare Fraud.
Legal Services: Legal assistance with powers of appointment, access to public benefits, housing, and
healthcare. (must be 60 years of age or older)
Nutrition: Nutritious meals either delivered at home or in a congregate setting.
Ombudsman Services: Information and advocacy for residents of long-term care facilities and family
members.
Prescription Assistance: Assistance to obtain free or low cost prescription drugs from pharmaceutical
companies.
Senior Employment: A paid training program to help strengthen and improve skill set to secure
gainful employment. [age requirement]
Contact M4A Aging and Disability Resource Center (ADRC)
at https://m4a.org/
205) 670-5770
22. WHERE TO LEARN MORE
• PLANNING FOR DISABILITY
Guide to Alabama Advance Directives ebook,
Legal Issues For Caregivers ebook, and
Documents and Property Arrangements to Prepare for Death and Disability ebook
at https://janneallaw.com/ebooks/
Legal presentations at https://www.slideshare.net/jan_neal/presentations
Legal, Dementia, Elder Abuse and Caregiver presentations at M4A YouTube channel
• PLANNING FOR RETIREMENT BENEFITS
Social Security/SSI ebook and
When I’m 64, Getting Enrolled in Medicare ebook
at https://janneallaw.com/ebooks/
23. • PLANNING FOR DEATH
Documents and Property Arrangements to Prepare for Death and Disability ebook and
Guide to Planning for Death ebook
at https://janneallaw.com/ebooks/
The following is a benefit checklist with eligibility numbers related to benefits in Alabama
• PLANNING FOR DISABLED RELATIVES
Alabama Family Trust at https://www.alabamafamilytrust.com/
• PLANNING FOR LONG-TERM CARE
The Medicaid Application Process ebook,
Qualifying for Alabama Medicaid for Long-Term Care ebook,
Integrating Long-Term Care Into Estate Planning ebook,
Guide to Planning for Long-Term Care ebook, and
Medicaid Estate Recovery ebook
at https://janneallaw.com/ebooks/
24. Alabama Benefit Checklist
Assembled by Jan Neal
Effective 02-2021
“This publication has been created or produced by the South Central Alabama Area Aging on Aging, Aging and
Disability Resource Center (ADRC) with financial assistance, in whole or in part, through a grant from the Centers
for Medicare and Medicaid Services, the Federal Medicare agency”
1
25.
26. 3
Table of Contents
SSI and Community Medicaid ....................................................................4
Institutional Medicaid and Community Medicaid Waiver ............ 4
Medicare Savings Programs (MSP): QMB,SLMB,QI1….................. 5
Medicare Standard A&BCost Sharing…..............................................6
Medicare Higher Income B Cost Sharing… ........................................... 7
Medicare Higher Income D Cost Sharing …
…
…
…
…
…
…
…
…
…
…
…
.
.
8
Medicare Late Enrollment Penalties….................................................. .8
Low Income Subsidies……………………………………………………….…..9
Social Security Retirement Age…...........................................................12
Social Security Early Retirement Benefit Reductions… .............. 13
Social Security Early Retirement Earned Income Offset….......... 13
Social Security Disability Substantial Gainful Activity…............... 14
Alabama Elderly Simplified Application Project… ...........................15
Gift and Estate Tax….....................................................................................15
Notes …
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1
6
27. 4
SSI and Community Medicaid
Benefit Eligibility Standard
Effective Date
January 01, 2021
SSI Retirement and
Disability
Single Monthly
Income/Resources
$814/$2000
Married Monthly
Income/Resources
$1211/$3000
Medicaid at Home SSI eligibility SSI eligibility
Medicare Buy-In for
Medicare A, B & D
SSI eligibility SSI eligibility
Institutional Medicaid/Community Medicaid Waiver
Benefit/Penalty Eligibility Standard Effective Date
Single Standard January 1,
2021
Married Spousal Resource
Set Aside Standard
January 1, 2021
Nursing Home
Medicaid
Single Person
Income/
Resources
$2382 (with
income over
$2382 MQIT
needed)/
$2000
Married Couple
Income/Resource Set
Aside
$2382 (only income of
spouse being
institutionalized counts)/
First $26,076 set aside
for community spouse,
resources over $50,000,
½ set aside for spouse
up to cap of $130,380
28. 5
Effective Date
Monthly Spousal
Allotment
$2178 July 1, 2021
Transfer Penalty 1 month for every $6,400 transferred January 1, 2021
Home exclusion Equity at or below $906,000.00 January 1, 2021
Medicare Savings Programs (MSP)
Benefit Eligibility Standard
Effective Date
February 1, 2021
MSP Program Single
Income/Resources
(includes $20
disregarded)
Married
Income/Resources
(Includes $20
disregarded)
QMB
Pays for:
~uncovered Medicare
expenses to replace
purchase of Medicare
supplemental policy;
~Medicare Part B
premium
~Medicare Part D
premium up to State
Standard*
$1,094 $1,472
SLMB
Pays for:
~Medicare Part B
$1,308 $1,762
29. 6
premium
QI-1
Pays for:
~Medicare Part B
premium
$1,469 $1,980
Medicare
Medicare Part Premium Deductible Copayment Effective Date
A 0 if eligible for SS
(Retirement
benefits; 24 months
of disability) or RR
or paid Medicare
Tax with Civil
Service;
$471 per month
with fewer than 30
qtrs.; $259 per
month with 30 – 39
quarters
$1484 per
admission to
hospital during a
spell of illness
$371 per day
for days 61 –
90; $742 per
day for days 91
– 150 lifetime
reserve
Skilled nursing
facility $185.50
per day for days
21 - 100
January 1, 2021
B $148.50 per month
standard premium
$203.00 20%
Premium for higher
income
beneficiaries below
30. 7
Medicare Part B Premium 2021 for Higher Income Beneficiaries
Based on Two Year’s Prior (2019) Yearly Reported Income
Individual
Tax
Return Filed
Joint Tax
Return Filed
Married with
Separate Tax
Return
Part B
Premium Amount
Effective Date
January 2021
$88,000 or $176,000 or less $88,000 or less Standard $148.50
less
Over $88,000 Over $176,000 up N/A $207.90
up to to $222,000
$111,000
Over Over $222,000 up N/A $297.00
$111,000 to $276,000
up to
$138,000
Over Over $276,000 up N/A $386.10
$138,000 to $330,000
up to
$165,000
Over Over $330,000 up $88,000 - $412,000 $475.20
$165,000 to $750,000
up to
$500,000
$500,000 and $750,000 and $412,000 and $504.90
above above above
Part B Late
Enrollment
Penalty
10% per each full 12 – month period eligible without overage X cost
of Medicare Part B premium at time of sign up = amount added to
monthly cost of Part B premium
Permanent
31. 8
Medicare Part D Premium 2021 for Higher Income Beneficiaries
Based on Two Year’s Prior (2019) Yearly Reported Income
Individual Tax
Return Filed
Joint Tax
Return Filed
Married with
Separate Tax
Return
Part D
Premium Amount
Effective Date
January 2021
$88,000 or less $176,000 or less $88,000 or less Your plan premium
Over $88,000
up to $111,000
Over $176,000 up
to $222,000
N/A $12.30 + your plan
premium
Over $111,000
up to $138,000
Over $222,000 up
to $276,000
N/A $31.80 + your plan
premium
Over $138,000
up to $165,000
Over $276,000 up
to $330,000
N/A $51.20 + your plan
premium
Over $165,000
up to $500,000
Over $330,000 up
to $750,000
Above $88,000
Less than $412,000
$70.70 + your plan
premium
$500,000 or
above
$750,000 and
above
$412,000 and
above
$77.10 + your plan
premium
Part D Late
Enrollment
Penalty
1% of the “national base beneficiary premium” ($33.06 in
2021 X the number of full, uncovered months eligible without
coverage or creditable coverage = amount added to monthly
cost of Part D
Permanent
32. 9
Low Income Subsidy (Extra Help purchasing Medicare Part D)
Benefit Categorical Eligibility Effective Date
calculate income: add income (gross earned income or net
from self-employment minus 65 divided by 2) + all other
income
January 1, 2021
calculate resources: do not count home, adjoining land,
household personal property, vehicles or life insurance
C.LIS (Full Subsidy) A. People eligible for Medicare and Medicaid who live in
nursing facilities or receive home and community- based
waiver
NOTE: Automatically receive benefit and pay no monthly
premium*, no annual deductible and no copayments for drugs.
B. People eligible for Medicare and Medicaid who
apply and income is at or below 100% of the poverty level
with limited resources (100% subsidy)
Single
Income/Resources
Married Income/Resources Living
Together
1093.33/<9,470 1471.66/<14,960
Each additional person in the home for whom applicant provides
more than one-half of person’s support adds 378.33
C. People eligible for Medicare and Medicaid who
apply and income is at or below 135% of the poverty level
with limited resources (100% subsidy)
Single
Income/Resources
Married Income/Resources
Living Together
1469.00<9,470 1979.75/<14,960
33. 10
Each additional person in the home for whom
applicant provides more than one-half of
person’s support adds 510.75
LIS (Partial Subsidy) A. People eligible for Medicare at or below $140% of
the poverty level with limited resources below (75%
subsidy)
Single
Income/Resources
Married
Income/Resources
Living Together
1522.66/<14,790 2052.32/<29,520
Each additional person in the home for whom
applicant provides more than one-half of
person’s support adds 529.66
B. People eligible for Medicare at or below 145% of
the poverty level with limited resources (50%
subsidy)
Single
Income/Resources
Married
Income/Resources
Living Together
$1576.66/<14,790 2124.91/<29,520
Each additional person in the home for whom
applicant provides more than one-half of
person’s support adds 548.58
C. People eligible for Medicare at or below 150% of
the poverty level with limited resources below (25%
35. 12
Social Security Normal Retirement Age (NRA)
Born NRA Effective Date/Change Date
Permanent
1937 and prior 65
1938 65 and 2 months
1939 65 and 4 months
1940 65 and 6 months
1941 65 and 8 months
1942 65 and 10 months
1943 – 1954 66
1955 66 and 2 months
1956 66 and 4 months
1957 66 and 6 months
1958 66 and 8 months
1959 66 and 10 months
1960 and later 67
36. 13
SS Early Retirement Benefit Reduction
Category based on
NRA
Reduction of
benefits
when retire at
62
Reduction of
benefits when
retire at 63
Reduction of
benefits when
retire at 64
Reduction of
benefits when
retire at 65
Effective
Date/Change
Date
January 1, 2021
NRA 66 (born 1954
or later)
25% 20% 13.3% 6.7%
NRA after 66 (born
after 1954)
30%
Early Retirement Earned Income Offset
Category Based on
NRA
Exempt Amount SS Offset Penalty
Effective Date
January 1, 2021
Exempt Earnings for
early retirees/workers
whose NRA IS NOT
in 2021
$18,960 or $1,580 month Withholding of $1.00 in
benefits for every $2.00
earned over $18,960
Exempt Earnings for
early retirees/workers
whose NRA IS in
2021 and earnings
predated reaching
NRA
$50,520 or $4,210 month Withholding of $1.00 in
benefits for every $3.00
earned over $50,520
37. 14
SSD Substantial Gainful Activity (SGA)
Category Based on
Disability
Allowable Mo. Earnings
Effective Date
January 1, 2021
Non-blind $1,310.00
Blind $2,190.00
38. 15
Alabama Elderly Simplified Application Project (AESAP)
Food Assistance for 60+
Household Size Gross Income Limit Net Income Limit
Effective Date
October 1, 2020
1 $1383 $1064
2 $1868 $1437
3 $2353 $1810
4 $2839 $2184
5 $3324 $2557
6 $3809 $2930
7 $4295 $3304
8 $4780 $3677
Each Additional
Member
$486 $374
Gift and Estate Tax
Federal Estate Tax
Exemption and Lifetime
exclusion for gifts
23.4 million per couple
11.7 million per individual
January 1, 2021
Annual Gift Exclusion $15,000 January 1, 2021