Take Simple Steps Early to Protect Your Most Important Asset: The Family Home

On August 1, 2016, Ohio changed its Medicaid regulations regarding the treatment of the home. Federal and State Medicaid laws recognize that the family home is often times the largest asset of an individual, and Medicaid rules account for the reality that the family home is critical to the well-being of a spouse, a child, […]

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Caring for Caregivers

Many of my clients are caregivers. They are often caregiving for their children with disabilities or for their elderly parents. Others are more distant relatives who have taken it upon themselves to care for their loved one. Although their situations vary greatly, I see many recurring themes. I see strength, compassion, and selflessness on a […]

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Can I Trust That Life or Death Decision?

For years, I have been helping people complete durable powers of attorney for healthcare, living wills, and do-not-resuscitate (DNR) orders. Collectively, these documents are called “advance directives.” They give directions about the care desired in advance of the need for that care. Advance directives allow you to select whether or not you want your healthcare […]

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Aid is Available for Veterans and their Surviving Spouses to Help Pay for Long-term Care

As recently as 2012, Gallup estimates that about 13% of adults, including 24% of men and 2% of women, have served in the United States Armed Forces.[i]   For their service to our country, veterans are entitled to a variety of benefits through the U.S. Department of Veterans Administration (VA). The fact is that many of […]

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I Guess You Could Say My Mother Was … Different

By Terry Fries-Maloy, MSW, LISW The call came around midnight on a cold night in January 2006. I was only half awake when I answered the phone, having been startled out of a deep sleep. “Your mother just died…” said the voice at the other end of the phone. It was the night nurse at […]

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When NOT to Trust a Trust

Many married couples have established revocable trusts for one reason or other, and have transferred their homes to their trusts. Unfortunately, this sound and logical planning is turned on its head if one of the spouses becomes so ill as to require Medicaid-funded long-term care. A home is exempt from Medicaid consideration (an asset-sensitive or […]

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terry

Planning for the Big Event

My husband and I recently had house guests from England.  It was the first time our friends had come to Ohio and we were very excited to show off the beauty and culture of Northern Ohio–the Cleveland Museum of Art, the West Side Market, Amish country (which was high on their list) and especially our […]

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