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Robbing Your Spouse

Congress is considering another way to rob you or your spouse.

Today, if you have too much in assets for Medicaid nursing home care but your spouse has less than the legally permitted monthly income, you can convert some of your assets to a Medicaid-qualified annuity which will give her “enough” to live on.

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Under Assault: Health Care Coverage Through The Affordable Care Act (ACA), Medicare and Medicaid

Is it the end of Medicaid as we know it? 72% of Texans in nursing homes would not be there without it. What’s the real price? Kicking granny out of the nursing home? Sending more kids to the ER?

A release from the Center for Medicare Advocacy details the devastating impact of the AHCA bill that passed the House earlier this month on health care coverage through the ACA, Medicare and Medicaid.

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National Organizations Urge U.S. Senate to Defend Medicare and Medicaid

Whatever you think of Obamacare, the American Health Care Act passed by the U.S. House of Representatives is much more than “repeal and replace.” It gouges the Medicare trust fund and decimates Medicaid, relied on at any one time by 20% of older Americans needing nursing home or home health care. 72% of Texans in nursing homes could not be there without Medicaid.

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What Medicaid Block Grants Mean for Nursing Home Residents

The House of Representatives passed the American Health Care Act, allowing Medicaid Block Grants. The U.S. Senate is working on its version. Texas’ Governor Abbott has long supported block grants — which are a set amount and let the state spend the money as it likes, and not necessarily on current Medicaid programs. The Texas Senate is considering a bill to create a committee to decide how.

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Blended Family Estate Planning

It is said that it takes 10 years for a couple to happily combine “my” and “your” family traditions to make “our” family traditions. A blended family has a similar challenge that extends to estate and long-term care planning.

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You’re the Executor of a Will in Texas. Now What?

In Texas, most of your duties as the Executor of a will are what you or a family member would have to do anyway. But you do have a fiduciary duty to make sure that it is done correctly. That means that, just like Fido, you must put the interests of the person who appointed you first. If you do not, you might find yourself liable to that person’s estate or the beneficiaries he named in his will. [more]

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