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Financial Planning February 1, 2005 DeFrancesco & Flory	The Golden Years? As this country's baby boomers get closer to retirement, long-term care (LTC) will only grow in importance. Medicaid annuities may help clients preserve their assets, even if they're already in a nursing home.
Financial Planning September 1, 2008 Donald Jay Korn	Pleading Poverty Few things can play havoc with a thoughtful financial plan as surely as a long stay in a nursing home. Therefore, "Medicaid planning" has become a prime concern for many seniors and their younger relatives.
Financial Advisor November 2005 Gail Liberman	Annuities May Cause Problems With Medicaid Medicaid, the state and federally funded public assistance program, might be off the radar screen for financial advisors selling annuities to senior clients for retirement planning, but it shouldn't be.
Financial Advisor October 2010 Gail Lieberman	Immediate Gratification Immediate annuities can help clients get government benefits they might otherwise price out of.
Financial Advisor May 2007 Gail Liberman	More Wrinkles Than Ever Your financial advisory clients need you to help them understand the new Medicaid rules.
Registered Rep. May 21, 2013 Alan Lavine	Avoid Blowing Up a Veteran's Benefits Selling trusts and life insurance to war veterans can be tricky. One misstep could disqualify them from important benefits.
Investment Advisor March 2006 Elizabeth Festa	Incentives for Long-Term Care New long-term care partnership programs, which are active in four states, now provide private LTC insurance with special access to Medicaid for those exhausting their insurance benefits.
Registered Rep. March 1, 2006 Janet Arrowood	The Medicare and Medicaid Minefield As the population ages and life expectancy rises, so does the likelihood that more people will be needing long-term care and your financial advisory clients should know the hard facts about paying for it, because the costs can be staggering.
Financial Planning September 1, 2005 M. Michael Babikian	A Delicate Balance For disabled clients, a special needs trust can maximize private sources of funding without jeopardizing public ones.
Managed Care February 2006	Managed Care Offered to More Medicaid Enrollees A chart illustrates the percentage of medicaid enrollees in managed care, for the years 1996 to 2004.
BusinessWeek February 21, 2005 Howard Gleckman	The New Face Of Medicaid Seniors and the disabled are pushing the program to the breaking point.
Managed Care February 2007	Employer-Sponsored Insurance Coverage Rates Falling A new report says that that 61 percent of non-elderly Americans had employer-sponsored insurance in 2004, compared to 66 percent in 2000.
Managed Care April 2005 John Carroll	Can Managed Care Programs Rein in Medicaid's Runaway Budgets? Cadillac or Yugo care for the poor? Fee-for-service or managed care? The states have a lot on their minds as the Medicaid monster grows and grows.
Financial Advisor August 2010 Alan Lavine	A Good Fit Immediate annuities fit well in retirement income plans.
The Motley Fool November 15, 2005 David Braze	Should You Buy Long-Term Care Insurance? An insurance policy can help pay for senior care, but it may not be right for everyone.
Registered Rep. October 23, 2012 Mark Miller	Playing Health Insurance Roulette Most seniors will need long-term care at some point. Here's how to plan for that.
Financial Planning May 1, 2012 Ed Slott	Newfangled Annuities A new tool has been proposed to help their clients manage the pace of distributions from their retirement accounts and to ease their fears about outliving their life expectancy. In February, the IRS released proposed regulations about the establishment of "qualified longevity annuity contracts."
BusinessWeek February 21, 2005	Mooching Off Medicaid The state-run medical-care programs originally designed to help poor mothers and their children now increasingly pay for nursing-home care for seniors. While many of those seniors are genuinely poor, others are not. The rules should be tightened.
Managed Care July 2004 Martin Sipkoff	Managed Medicaid Business Might Be Worth the Difficulties Financial, regulatory, and access problems continue. Still, this remains a growth industry and some have found a way to profit.
Managed Care June 2003	HMO, Medicaid formularies exhibit surprisingly small differences When you compare HMO and Medicaid formularies for coverage in major therapeutic areas, you find that the differences are relatively small, with Medicaid plans being somewhat less stringent.
Managed Care August 2000 Carey Lee Straetz	Managing Medicaid Rolls Often State-by-State Affair Despite the strong economy, Medicaid enrollment may be slowly rising after a three-year decline. The challenges for serving this population are huge.
Managed Care December 2001	CMS Medicaid Managed Care Proposal Under Close Scrutiny Bioterrorism. Medicaid managed care plans. No link between them? Guess again. It all has to do with how proposed Medicaid regulations would affect patients' rights and funding for Medicaid programs ranging from nursing home care to emergency rooms...
Investment Advisor July 2007 Rosanne Grande	"A Piece of Paper or a Place to Live?" Here are some key issues that must be addressed before advising financial planning clients to purchase a long-term-care insurance policy.
Investment Advisor September 2007 Marlene Y. Satter	In the Meantime Despite the recent bad press, you still have to recommend long-term care insurance to your clients. What do you do?
BusinessWeek August 8, 2005 Howard Gleckman	Radical Surgery For Medicaid? South Carolina Governor Sanford has a plan to slash costs - but a political battle looms.
The Motley Fool November 10, 2005 David Braze	Who Pays for Long-Term Care? In the second of a six-part series, this installment covers what Medicare and Medicaid cover (and don't cover) for long-term care.
On Wall Street September 1, 2008 Gwen Moran	The New Wealth Preserver: Long-Term Care Insurance Think your clients are too rich to worry about healthcare costs as they get older? Think again.
Investment Advisor May 2007 Kara P. Stapleton	Compassion, Knowledge, and Personalized Service The primary risk factor for Alzheimer's disease is age, and with the majority of financial planners' clientele growing older, it's smart for financial advisors to become familiar with a different side of the financial planning business -- gerontology.
Registered Rep. November 20, 2012 Alan Lavine	Lock into Long-Term Care with Hybrid Policies Combining life insurance and annuities with long-term care policies can protect against premium hikes or the risk of never making a claim. Here's how to make sure they are right for your clients.
Managed Care August 2002	24 States Hope Pharmacy Plus Helps Medicaid Twenty-four states may gamble that providing a prescription drug program to low-income elderly who do not qualify for Medicaid could save them money in the long run.
The Motley Fool December 6, 2005 David Braze	Other Long-Term Care Sources If you need help as you age, where will you get it and how much will it cost? Long-term care insurance may help meet this need, but we each must decide for ourselves what option is most appropriate.
Financial Planning November 1, 2005 Donald Jay Korn	Coming Home Over one million older people now live in assisted-living communities. Here's how financial planners can help them weigh the options and make the transition.
Investment Advisor March 2007 Tere D'Amato	Rich Spouse, Poor Spouse New estate planning techniques may help your financial advisory clients tackle common problems. As with all estate planning, the guidance of an experienced estate planning attorney is key.
Managed Care February 2005 John Carroll	Just What Can We Expect From New Head of HHS? How much will plans have to "be like Mike" -- Leavitt, that is. The influence of the secretary of health and human services reaches beyond the public sector.
The Motley Fool November 16, 2006 Dan Caplinger	Second Marriages With Kids: Part 1 When it comes to finances and estate planning, few situations present more difficult challenges than second marriages.
Financial Planning July 1, 2009 Martin Shenkman	A Special Plan If your clients have special-needs children, it's time to revisit their planning assumptions. Will there be enough assets to provide for the special beneficiary?
The Motley Fool January 18, 2007 Dan Caplinger	Know Your Marital Rights, Part 2 Marriage brings automatic changes to your financial and estate planning. Careful attention to these issues is required in order to make sure that everything works the way that you and your spouse want.
Financial Planning September 1, 2011 Martha C. White	Commingled Finances Advisors need to take extra steps in all the issues that couples face.
Salon.com October 21, 1999 Dena Bunis	Uninsured children A new report says there are still too many kids without health coverage.
Financial Planning November 1, 2010 Jim Grote	Special Cases Minoti Rajput, CFP, president and principal advisor of Secure Planning Strategies in Southfield, Mich., maintains a general financial planning practice and a specialized practice for families of children with disabilities.
The Motley Fool June 16, 2006 Dan Caplinger	Bypassing High Estate Taxes Using a bypass trust in your estate plan can create big tax savings.
Financial Planning April 1, 2011 Ingrid Case	Crisis Brewing Many long-term care policy owners received uninsulated surprises recently -- substantial rate increases from carriers including MetLife, John Hancock and TransAmerica. What alternatives can planners suggest to clients?
Managed Care March 2004	More State Medicaid Programs Use Preferred Drug Lists To Manage Costs Medicaid, enacted in 1965, is currently costing over $200 billion per year. With rapidly rising health care costs, including prescription drugs, state Medicaid budgets are feeling the strain. Here's what they're trying to do to manage.
Managed Care January 2001 Bob Carlson	Ohio Struggles To Rescue Managed Medicaid Program Health plans and providers in Ohio's beleaguered Medicaid managed care program, OhioCare, welcomed its per-member, per-month payment increases of more than 25 percent over the last two years...
The Motley Fool December 15, 2005 David Braze	Some Final Words on Long-Term Care Do your research on long-term care options now, while you can calmly and rationally evaluate your options. If you do so today, then you and your loved ones won't have to make rushed decisions later.
Managed Care August 2004	Medicaid Fees Rise, But Still Below Medicare A recent study reports that 30 states raised their Medicaid fees at or above the rate of inflation, including 10 that raised physician fees by more than 35%.
Financial Planning September 1, 2013 Samantha Allen	Longer Lives, Higher Costs: Is Your Firm Ready? As boomer clients head into their 70s and beyond, advisors must become geriatric specialists to handle a complex set of new demands.
Managed Care April 2004	Medicaid DM To Get Boost From CMS The federal government plans to give Medicaid disease management a lift by matching the money states pay to run such programs.
Managed Care December 2001	Economic Boom Over, State Health Budgets Besieged The National Association of State Budget Officers estimated that aggregate state shortfalls for fiscal 2002 could exceed $15 billion...
Managed Care December 2006	Medicaid Plans Too Successful For Own Good? The Wall Street Journal reports that Medicaid costs appear to be stabilizing, but health plans are raking in huge profits.