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New Annuity Rules and Paying For The Nursing Home – Coastal Senior, August 2009

January 10, 2010 by bob mason

Coastal Senior is a monthly periodical covering the South Carolina and Georgia low country.  Bob Mason is its legal columnist. [Note:  The Georgia annuity rules described below are very similar to the North Carolina annuity rules - see discussion of annuities at Basic North …

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What is a Special Needs Trust?

January 8, 2010 by bob mason

A Special Needs Trust, also referred to as a Supplemental Needs Trust, is a trust specially designed to hold assets on behalf of a disabled individual in a manner that will benefit the individual without jeopardizing SSI, Medicaid or other government benefits. Further, transfers …

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Why You Should Consider Long Term Care Insurance

January 8, 2010 by bob mason

Medicare will only pay for up to 100 days of nursing care following a hospital stay, and there are serious limitations on those benefits. Further, Medicare will not pay for long-term care that involves non-medical help with daily tasks, e.g., bathing, dressing. Also, Medigap …

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Dying Without a Will – Intestacy

January 7, 2010 by bob mason

Many persons who have accumulated wealth during their lifetime die without a valid will. When this happens, the decedent's property passes by intestate succession to the decedent's heirs at law according to law. In other words, if you don't have a will, the state will make one …

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Changing a Will and Codicils

January 7, 2010 by bob mason

If a will is valid, it is effective until it is changed, revoked, destroyed, or invalidated by the writing of a new will. Changes or additions to an otherwise acceptable will can be most easily accomplished by adding a codicil. A codicil is a document amending the original will, …

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