Out of Work, But Not Out of Luck

John called asking for help with Sally who was showing signs of early-onset Alzheimer’s disease. His concern was that if she needed long term care the exorbitant expense would quickly exhaust their modest assets. This concern was magnified by the fact that John was 59 years old and had been out of work for over a year. I advised re-drafting their estate planning documents to avoid disqualifying Sally from certain government benefits programs should John pre-decease her. They also executed Powers of Attorney and Health Care Directives to avoid a guardianship situation if she became incapacitated.

As fate would have it, Sally’s mental state deteriorated rapidly and she was on the verge of institutionalization only one year later. In order to preserve the family’s modest assets I helped the family qualify for Medicaid. I first advised borrowing money from a home equity line of credit (HELOC) to increase the family assets for the Community Spousal Resource Allowance (CSRA) calculation. This is a legitimate strategy which increases the family assets on the first day of the first month of institutionalization, thus entitling the well spouse to keep more money. This strategy allowed John to survive financially while looking for a job. Once Sally entered an institution, I advised paying off the HELOC and paying down the mortgage – both allowable spend downs. The long term care facility cooperated, requiring only one month of private pay. Soon thereafter, Sally was approved for Medicaid.

As a post script, John and I visited Sally in the institution at the end of the Medicaid approval process. She no longer recognized John even though one year earlier she was obviously capable of signing documents and understanding their import. My practice is seeing an influx of early-onset Alzheimer’s type dementia. It is very disheartening to see, but I am glad I have the ability to help with one component of the crisis and provide a service to these young families in desperate need of advice.

About Eric Goldberg

Eric graduated from Cornell University with a Bachelor of Science in 1990. He earned his law degree from Yeshiva University’s Benjamin N. Cardozo School of Law in 1994. Eric’s extensive knowledge of the interplay between finance, tax law, and government benefits, together with his compassionate nature, make him uniquely qualified to counsel clients on the complexities of estate and long-term care planning. When not practicing law, Eric is an avid mountain biker and enjoys spending time with his wife, two boys, and Golden Retriever.
This entry was posted in Alzheimer’s disease, CSRA, Health Care Directives, Medicaid, Powers of Attorney and tagged , , , , , . Bookmark the permalink.

145 Responses to Out of Work, But Not Out of Luck

  1. yqmxmOuBvW says:

    More Info retin a micro skin peeling – retin a micro how long does it take to work

  2. rmrxzYLRDx says:

    http://www.gnet.org/meta/buyvalium/#39852 valium side effects blood pressure – buy valium with paypal

  3. VIWGZXHxTf says:

    buy tramadol online order tramadol money order – buy generic tramadol online

  4. EYJqUogteI says:

    buy retin a online retin a acne getting worse – retin a micro cream

  5. NwaeJmsICQ says:

    tramadol online buy tramadol online europe – tramadol overdose yahoo answers

  6. oReuxBNDsW says:

    valium online valium 10 mg equals how much xanax – valium 10mg effects

  7. nQbRECgSrw says:

    http://www.hopva.org/it/valiumonline/#8 valium used antidepressant – buy valium online prescription

  8. icOafrTJzU says:

    buy retin-a online retin a micro pump wrinkles – retin a micro 0.04 pump

  9. LoOrvekgtG says:

    valium online pharmacy online vicodin valium ritalin – valium sales online

  10. kDoVBHPYzi says:

    retin-a online retin a micro instructions – buy cheap retin-a online

  11. UVArcNsOYe says:

    http://www.gnet.org/meta/buyvalium/#51469 liquid valium cost – buy valium online from uk

  12. pdJWCRTzqZ says:

    valium online buy valium online cheap – valium vs xanax insomnia

  13. YOeTnEyDdk says:

    valium generic valium price in india – valium side effects canine

  14. WfYpVvCPkP says:

    buy tramadol order tramadol online prescription – is buying tramadol online illegal

  15. JILwmLHvum says:

    buy tramadolВ without a script what is stronger tramadol or ultram – generic name for tramadol

  16. JuomIrnnpT says:

    retin a buy topical retin a side effects – retin a gel nhs

  17. QYnILAqToJ says:

    Going Here retin a cream brands – retin a micro pump how to use

  18. uSOIvYynIU says:

    Related Site cheap valium buy – can i buy valium online

  19. omqLJyYfaz says:

    valium online valium pills effects – generic valium yellow pill

  20. SCCXAEQCrO says:

    http://www.gnet.org/meta/buyvalium/#13842 cheap valium sale uk – valium + treat high blood pressure

  21. tTzpScEYAw says:

    where to buy retin a retin a cream 0.05 – retin-a gel sizes

  22. ChYWQhcihx says:

    retin a buy online can retin a cause wrinkles – retin a cream nhs

  23. neFiTMSFeP says:

    official website side effects quitting valium – valium effects infants

  24. bWqSCwRsXA says:

    cheap tramadolВ online buy tramadol online bluelight – can i buy tramadol over the counter

  25. LzWLKJQwfk says:

    buy tramadol onlineВ reviews tramadol 50mg my dog – tramadol otc

  26. qzMNbPtTdo says:

    visit homepage buy valium online roche – generic for valium

  27. zErVvdfjVo says:

    http://www.gnet.org/meta/buyvalium/#34427 what is valium 5mg used for – medication similar to valium

  28. opmOXXbgJV says:

    buy retin a buy retin a micro usa – where to buy retin a cream online

  29. lCpxwivoUN says:

    buy valium where to buy roche valium – valium effects synapse

  30. ZdZRzNniMk says:

    buy retin-a buy retin a cream australia – buy generic retin a no prescription

  31. jKpBGmGwUc says:

    http://www.hopva.org/it/valiumonline/#14 buy valium australia online – buy real valium

  32. LvdAjAvfgx says:

    valium online buy valium online usa – valium dosage pain

  33. ghkhgwGWXj says:

    clicking here tramadol 450 mg – where can i buy tramadol online usa

  34. KGZsNAmYlm says:

    Additional Info tramadol hcl para que serve – tramadol recreational dose

  35. tVZGaAuazi says:

    order retin-a online is retin-a cream or gel better – retin a cream directions for use

  36. UuiDhVTXMa says:

    valium pill valium pill side effect – valium side effects risks

  37. LciuHWiYfU says:

    http://www.okapiconservation.org/giconline/buyretina/#31964 retin a micro not covered by insurance – retin-a micro how long to see results

  38. jLvvfjkNdL says:

    Visit Your URL hair follicle drug test valium – valium cost

  39. HvBdPAlNiT says:

    reference dosage of valium for dogs – buy valium online overnight delivery

  40. DinWHKvhaJ says:

    valium online 5 panel drug test valium – what is in valium pill

  41. LTeBYWbQqC says:

    tramadol online tramadol 50mg for dogs – tramadol 100mg bestellen

  42. AbjPUxvwyl says:

    Web Site high from tramadol hcl – symptoms of tramadol overdose

  43. xcIGUigcyr says:

    my website buy valium from thailand – prescribed valium for anxiety

  44. HbuUhYVhEI says:

    http://www.okapiconservation.org/giconline/buyretina/#11743 buy retin a online in australia – differin ou retin-a wrinkles

  45. UuEASUCSrD says:

    generic valium reversal medication valium – discount valium online

  46. iJugcoHKgB says:

    buy valium online cheap buy valium online canada – klonopin or valium for anxiety

  47. UBmBEKgoOT says:

    buy valium from canada valium diazepam dosage – valium drug usage

  48. qQvAyZHemt says:

    tramadol online tramadol for dogs human consumption – tramadol 50 mg online

  49. HuhTmYSfYw says:

    buy tramadol online tramadol hcl hydrocodone – tramadol 50mg prescription

  50. XiYGHRTWNx says:

    Continue cheapest valium online – valium brand vs generic

  51. jhIaCeFMUP says:

    Check This Out retin a micro gel pump – retin-a micro gel for rosacea

  52. zGnJJbmstS says:

    url street prices valium 10 mg – valium 10mg high

  53. IafewybtPP says:

    valium online buy diazepam generic valium – buy valium online uk fast delivery

  54. iphwaFhBZn says:

    buy retin a retin a micro breastfeeding – buy retin new zealand

  55. IPVHrtpudU says:

    http://ssti.org/map/tramadolonline/#10 can you buy tramadol online – tramadol for dogs how often

  56. udtNRAjtfN says:

    tramadol online why can you buy tramadol online – tramadol hcl acet

  57. auOzUHiIuD says:

    buy valium online pharmacy no prescription needed valium – valium mg sizes

  58. bWeknNPorF says:

    generic valium valium medication iv – valium vs ativan

  59. nKMoZabjim says:

    go to website diazepam valium drug schedule – buy valium australia online

  60. fElQSCOIdh says:

    http://www.okapiconservation.org/giconline/buyretina/#70525 retin a micro for acne reviews – where to order retin-a cream

  61. DTrrrAalCg says:

    browse anxiety medicine valium – buy generic valium online no prescription

  62. hojQMuizyQ says:

    buy retin a buy retin a 0.05 – buy retin 0.1

  63. VvvrvyUanT says:

    twitter tramadol withdrawal flu like symptoms – vicodin vs ultram tramadol

  64. ySCuTLWuAF says:

    Going Here buy 100mg tramadol online – tramadol 150mg

  65. AlmVlcqbtj says:

    valium online does generic valium look like – valium for high blood pressure

  66. XxEGLETzuw says:

    valium cost valium sale online – valium birth control pills

  67. pFLpwXJjOu says:

    valium online valium yellow pill 2683 – safe to buy valium online

  68. amySvnmOoi says:

    buy valium valium no prescription canada – buy valium legally online

  69. tNWTwexMVd says:

    http://www.okapiconservation.org/giconline/buyretina/#29314 retin a micro gel for anti-aging – buy retin a in singapore

  70. nLPTJzlOSp says:

    Go Here buy retin a micro amazon – retin a cream online pharmacy

  71. gTBbPrjPSc says:

    http://ssti.org/map/tramadolonline/#21 zydol tramadol overdose – tramadol withdrawal kratom

  72. TKUrmIMSHY says:

    tramadol online best way buy tramadol online – tramadol overdose cats

  73. UjyVJEOmuj says:

    valium online is it legal to buy valium online – cheapest valium online buy

  74. BhocryXNBP says:

    http://www.hopva.org/it/valiumonline/#12 valium anxiety tablets – mylan 345 generic valium

  75. ufAJwdNQjc says:

    buy retin a retin a micro tretinoin gel – buy retin-a cream 0.025

  76. HwMadNelRw says:

    buy valium can i buy valium in the uk – buy generic valium online

  77. XvoDrwyqpP says:

    Go Here retin a cream substitute – retin a gel initial breakout

  78. JBvSBHWZvF says:

    valium online valium online with mastercard – vicodin valium drug interactions

  79. rvmSbjsdHF says:

    download tramadol hcl and zoloft – tramadol dosage in adults

  80. byUanyphJL says:

    http://ssti.org/map/tramadolonline/#7 buy tramadol usa – tramadol withdrawal in pregnancy

  81. iZjDCFVkTS says:

    http://www.hopva.org/it/valiumonline/#8 dosage for valium 5mg – buy valium online us

  82. LCYPYphLcR says:

    buy valium online no prescription best generic valium – valium diazepam erowid

  83. VqHEvoGJvE says:

    retin-a online retin a gel vs cream for acne – retin-a micro tazorac

  84. RbUlIRZpRK says:

    Full Article order valium from pakistan – valium pain killer

  85. QrrPsyvHCL says:

    http://www.gnet.org/meta/buyvalium/#10852 is generic valium the same – buy cheap generic valium

  86. sEEwKHpFWD says:

    retin a skin best place buy retin – buy retin a micro

  87. InyTHhXoSj says:

    http://ssti.org/map/tramadolonline/#12 tramadol generic price – will get high tramadol

  88. zAhppiZkyR says:

    tramadol online buy tramadol online cash delivery – buy tramadol hydrochloride online

  89. fFWhGDhVEs says:

    this one molar mass diazepam valium – generic valium mylan

  90. hYaYCBoIKm says:

    valium online where can i buy real valium online – purchase of valium

  91. UPrEMOOawR says:

    online pharmacy retin a buy retin a micro .1 – buy retin a walgreens

  92. PlUAWaBLvG says:

    generic valium can you buy valium in turkey – valium dosage neck pain

  93. IyBMqrKDON says:

    Read Full Article retin a micro gel ingredients – retin a 0.1 cream 40 grams sale

  94. ohSPhrMiUN says:

    http://www.gnet.org/meta/buyvalium/#11567 what does valium 10mg look like – valium no prescription uk

  95. EokyyyEIBG says:

    buy valium online side effects to valium – valium 10mg xanax 1mg

  96. OAVCYJcNUR says:

    http://ssti.org/map/tramadolonline/#30 tramadol online for cheap – can you buy tramadol

  97. ZHXfDuKbAy says:

    http://ssti.org/map/tramadolonline/#19 where to buy tramadol in usa – tramadol 50mg usa

  98. JrRhqNEpbm says:

    buy valium in canada what best site for valium online – d-10 blue pill valium

  99. qXcoQnyDJj says:

    buy retin-a retin-a cream for wrinkles – retin a acne pregnancy

  100. bWWrULRmIX says:

    buy retin a retin a 1 – retin a cream .25

  101. YVNLmFvOap says:

    http://www.gnet.org/meta/buyvalium/#13658 purchase valium roche – buy generic valium online no prescription

  102. efVwazXdna says:

    Click This Link generic valium same valium – valium standard drug test

  103. WzgSFLvPgl says:

    More Bonuses valium generic drug – buy valium online paypal

  104. CpbmMyyFJk says:

    tramadol online order tramadol phone – tramadol hcl for dogs dosage

  105. KivxwtuCgp says:

    valium online buy 1000 valium online – effects of valium on cats

  106. TqyZUMfhdN says:

    buy cheap tramadol tramadol 50 mg street price – purchase tramadol online no prescription

  107. kslRKJRtej says:

    buy retin a online retin a micro gel cheap – retin a micro pump for wrinkles

  108. ItRXPJmwYH says:

    http://www.okapiconservation.org/giconline/buyretina/#29431 buy retin a no prescription online – retin-a micro pump coupon 2011

  109. pUZwVfcffj says:

    buy valium buy valium from uk – valium 5 mg nebenwirkungen

  110. OMPSCTDOWi says:

    buy valium online buy valium usa – buy blue valium online

  111. xdczLMNjZY says:

    buy valium buy valium diazepam – diazepam valium for cats

  112. CaiVrCTkls says:

    valium online buy valium online overnight – valium side effects for cats

  113. cCYdJAKJSX says:

    order tramadol online tramadol dosage humans weight – buy tramadol online pay cod

  114. wHUvEJjmxE says:

    visit the site legal buy tramadol online united states – buy tramadol in europe

  115. bNlzgCZflI says:

    buy retin a retin a micro usage – retin-a walgreens

  116. wXEExtBude says:

    http://www.okapiconservation.org/giconline/buyretina/#15568 retin a cream .1 for wrinkles – retin a wrinkles under eyes

  117. cpcZvasoxP says:

    buy valium cheap generic valium uk – no prescription for valium

  118. sLTUgMMWAH says:

    order valium no prescription valium to ativan conversion – what are valium pills

  119. jIxvPwEACE says:

    no prescription:valium valium effects on blood pressure – effects of valium pills

  120. RnVyJtHopp says:

    buy retin a buy retin a liquid – retin a micro sizes

  121. JoFBwNOyRa says:

    visit website valium dosage headache – alternative to valium for anxiety

  122. dXaUAVokSx says:

    http://ssti.org/map/tramadolonline/#30 buy tramadol overnight delivery – why can you buy tramadol online

  123. IlcpOHGxmi says:

    Get More Info retin-a upper eyelids – retin a acne initial breakout

  124. nnLKABzidi says:

    tramadol online buy tramadol online saturday delivery – purchase of tramadol

  125. bnQbOQSXgF says:

    buy xanax valium online florida what is diazepam valium – can i buy valium online legally

  126. MwFwgVvJlA says:

    buy valium buy valium online cheap – is valium or xanax better

  127. kVaNEDobZs says:

    where to buy retin-a online how to use retin-a cream 0.05 – buy retin a products

  128. wWlYuWrweJ says:

    buy retin a online retin a after 3 months – buy retin a gel no prescription

  129. GWBKFzadsk says:

    Additional Info tramadol hcl 50 mg overdose – buy cheap tramadol online cod

  130. cPtbZnYZoJ says:

    click here! order cheap tramadol-overnight – order tramadol cheap

  131. yDEyLvqrbj says:

    buy valium buy valium no prescription needed – valium drug test info

  132. IpNkfthQmE says:

    Home Page retin a micro gel reviews – buy retin a tretinoin gel

  133. VgihlUPOAP says:

    http://www.gnet.org/meta/buyvalium/#21634 how to buy valium in australia – long does 5mg valium effects last

  134. HmLiEhNNrE says:

    buy retin a retin a micro pump vs. tube – retin a cream buy

  135. aKTaIUEPvd says:

    click for source valium anxiety dose – long term effects valium usage

  136. oJViRVVKpi says:

    retin a skin buy retin a gel online – no prescription – retin a cream during pregnancy

  137. hkRWQbbKYI says:

    buy valium how to purchase valium online – low dose valium anxiety

  138. wwDVjEbCTl says:

    retin a cream retin a cream cvs – retin a micro before and after

  139. bJGDJfEtDo says:

    diazepam 5mg does half life valium mean – valium dosage withdrawal

  140. fdMrBaugvm says:

    buy retin a retin-a .1 uses – retin a micro red face

  141. sCeAbWkuxX says:

    how to buy valium online buy valium online mastercard – types of generic valium

  142. fIkfYJYgZA says:

    retin a buy online retin-a 0.05 – retin a cream buy usa

Leave a Reply

Your email address will not be published. Required fields are marked *