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October 18, 2017

          This article will discuss the basics of a New York State Partnership Plan Long Term Care Insurance Policy. According to statistics, at least 70 percent of people over age 65 will require some long-term care services at some point in their lives. Furthermore, Medicare and health insurance do not fully cover the long-term care services that most individuals need.

         A partnership program is a partnership between an insurance company, a state and residents of the state who buy a long-term care partnership insurance policy. Depending on the partnership policy, an individual could apply for Medicaid, even if he or she had sufficient assets to pay for his or her...

October 16, 2017

Today, P&F's Elizabeth Cordello was a guest on WXXI's Connections with Evan Dawson to discuss the fall of Harvey Weinstein and abuse of power in the workplace. You can listen to the full discussion at the following link or on the podcast platform of your choice.


October 10, 2017

           This article will discuss the differences between a Medicaid Trust and a life estate deed to protect real property from long-term care costs.

         A Medicaid Trust allows individuals to transfer their home (or other assets) into an irrevocable trust. The grantor of the trust may appoint a Trustee, a person who manages the trust assets. Once assets are transferred to the trust, the grantor gives up the right to remove the trust’s principal [1] but retains the right to receive trust income. Generally, the most common asset transferred into this type of trust is real property—specifically, the home; this is because a person’s residence is usually not an i...

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