Is children’s life insurance a smart investment for your family? As we previously wrote in the Hawkins Elder Law Blog (https://www.hawkinselderlaw.com/why-should-you-buy-insurance/), a life policy is an important safety net for some people. However, this article explains why life insurance for children may be a poor investment. Life Insurance Purpose and Investment Performance Life Insurance Purpose […]

Indiana General Assembly gave us health care advance directives in 2021 legislation that was the first overhaul of Indiana’s health care consent laws in over 28 years. This article reviews some of the health care consent law’s features. One Advance Directive For All Health Care Decisions The Advance Directive law offers simplicity and flexibility in […]

Are you concerned about your health care needs becoming a drag on your family? Are you worried that if you don’t rely upon your family, you’ll have to drain your assets to pay for your care? Being proactive and taking steps today to eliminate these concerns can greatly benefit you down the road. This article […]

Indiana Medicaid has specific limits on who is eligible for coverage. Many people in Indiana feel that they fall outside these limits because they make too much money or have too many assets. However, due to the cost of long-term care, Medicaid is not something that can be overlooked. This article explains some misconceptions about […]

If you are thinking about applying for Medicaid, you may have heard about the look-back period. A look-back period could significantly harm your ability to receive Medicaid. If you want Medicaid to cover the cost of long-term care—such as nursing home care, assisted living care, or in-home care—it’s essential to understand how the look-back period […]

Indiana Medicaid may be able to cover your nursing home care, assisted living care, or in-home care. But your assets will play an essential role in whether Medicaid will cover these services. When you apply for Medicaid in Indiana, you must disclose your assets. If your assets exceed the state’s asset limits, you may have […]

To get Medicaid benefits in Indiana, your income or assets cannot exceed the state’s Medicaid limits. If you don’t qualify because of having more assets than the state limits, you may have to pay out of pocket for your long-term care. Some people spend their assets on long-term care until they qualify, but there could […]

So, you are on Medicaid and might receive an inheritance; what do you do next? You may need to report the inheritance to the Indiana agency that handles Medicaid. Inheritance As Income If you receive an inheritance in scheduled payments, Medicaid will treat each monthly payment as unearned income for that month, meaning income not […]

A Medicaid lien on a Medicaid recipient’s property works to reimburse the state for Medicaid benefits provided to the recipient, such as nursing home coverage. Even if a home is exempt while the recipient is alive, the home can become subject to the lien once the Medicaid recipient passes away. Right To Reimbursement Indiana has […]

Paying for medical care can be a daunting task. Where will this money come from, and how are you supposed to be able to pay it? If you or a loved one are seeking to enter into a long-term care facility, you may qualify for Medicaid to reduce some of your expenses related to medical […]