New York Medicaid Lookback Period

The New York State Medicaid Lookback Period is one of the most obvious examples of how failing to plan can really hurt a family. More and more, people find themselves and their family members struggling to pay for the costs of long term care.  Sadly, nursing home costs are so high that after a while even the most seemingly “well off” families can find themselves turning to Medicaid to cover the cost of care. The two most frequent problems I’ve seen as a funeral director are this: the family doesn’t understand that, when determining eligibility, New York employs a five year look back period for your assets.  Many people confuse IRS gifting laws with New York Medicaid Lookback Period Laws.  The IRS may allow you to gift away money without penalty, but those gifts are counted against you if they are made during the five year Medicaid lookback. Even more heartbreaking, I see families fail to take funeral expenses into account when doing their “spend down” to become Medicaid eligible. It’s a scenario that plays itself out, over and over again throughout the state.  A parent dies in a nursing home after having exhausted all of their  assets, and instead of getting an inheritance, the children find themselves reaching into their own pockets to cover the cost of funeral and burial expenses. There’s a great article which details how the New York Medicaid Lookback Period affects the estate planning process. No one wants to, but it’s important to have difficult conversations with those you love, long before the need arises. Make sure those conversations include clear statements about what your...

Are there any rebates approachable for Viagra online?

If you’ve ever searched online for prescription medications, you’ve likely seen different eye-catching claims. One’s first matter for a good life is health. Factors that can predetermine your decision when you are ordering medicaments are various. If you aren’t sure that an online pharmacy is licensed in the North America, you should not use that internet pharmacy. But, these pharmacies offer you online convenience for purchasing, monitoring, and receiving medications. There’s a difference between using the Internet to purchase from a retail drugstore and taking from a pharmacy that only has an Internet presence. These guidelines are also provided to help patients choose an appropriate treatment option to fit their needs. Our mission is to provide you with all the facts about online drugstore to help you easily achieve all health goals. Those planning to get pharmaceutical medications and generics sometimes will find a multitude services to choose from. Sure in our generation more and more customers are choosing to order prescription drugs and other medical products online. Whereas sometimes drugs work in similar ways, each remedy has a slightly different chemical makeup. Your qualified healthcare provider will consider different factors as well as any health problems you have. Also you have to know something about generics. Is it safe to buy generic drugs online? What’s the best generics, anyway? Divers medicaments available online to why to waste time and effort going to pharmacy if you can naturally order medications sit at home. Here we discussed at vital information to keep in mind, as well as how you can find options to stay healthy. Thousands of customers buy online...

Watching internet pharmacies.

Today patients find a product of interest by visiting the website of the retailer directly. Some drugstores as rule don’t have actual locations where you can walk in and hand over your prescription to make an order. When you get medications from your local pharmacy, you might be sure that your medicaments are safe. But online? In all cases, it is necessary to note that it isn’t easy to identify fake services. What medicines exist? General guidelines are also provided to help customers choose an appropriate option to fit their needs. Where you can find more information about click here? This issue deserves attention. Admittedly, discount web services allow consumers to gain access to their drugs at a fraction of the cost. Typically, medicines vary in effectiveness. There are varied other remedies. Are brand name remedies better than generic? As of right now, generic medicines are important options that allow less expensive access to health care for all people. Surely it isn’t all. Here I just have expained some of the main points of importance. Sure thing, one of the most famous remedy is Viagra. What is the most great information you have to study about the medicine? For all one knows many people know it. Commonly, physician must monitor for a reactions after giving this remedy. Once you’ve learned the basics about the medication from us, you may want to see what other respected sources have to say. Medication treatment of ED is mostly effective and is predominantly used in conjunction with therapy. If you’re concerned about sexual disorder, you perhaps know about viagra no prescription. Perhaps you...

Funeral Industry Advertising Still Gets a D

The more things change, the more they stay the same, don’t they?  Well, it’s true in the funeral industry, that’s for sure. In 2007 I wrote a guest blog for Tim at Final Embrace about how terrible funeral home advertising is. Very little has changed- there are still too many funeral homes which lack websites, have no social media presence, and rely on the yellow pages for people to find them. These are likely the same funeral directors who will argue that the most valuable funeral is a traditional service followed by a burial, and rigidly rail against the rising cremation rate and its impact on the bottom line. How’s that working out for you? Are your margins still decreasing? What’s your call volume like? We all know that funeral directors aren’t known to be early adopters of anything. However, it’s time to smell the spider mums before your competitor does. Research shows that when people are dissatisfied with a service or experience, they will tell 15 other people about it, but if they have a compliment they will tell only 3: and that’s when a situation isn’t emotionally-charged like a funeral.  That’s not to mention how frequently grieving families have a captive audience of friends and family around them, meaning their complaints and praise have a very broad range. Does complaining about the rain keep you from getting wet? So how will clinging to the past help you attract today’s savvy consumer? If you want to capitalize on every dollar they’re willing to spend, you have to be flexible and creative, or they’ll spend that dollar at your...