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#1 22-12-2015 08:01:58

xinxiu24
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Date d'inscription: 11-12-2015
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Micah Hyde Jersey

In their website Micah Hyde Jersey , the National Clearinghouse for Long Term Care Information said that we ould not buy too little insurance because it will only delay the use of our own assets to pay for care. This may have been true almost o decades ago but with the creation of the Long Term Care Insurance Partnerip Program (LTCIPP), we can now buy as little insurance as we can afford and still protect so or all of our assets. Truly, this program provides long term care insurance options for people who are on a budget. What is the LTCIPP?The LTCIPP is a partnerip beeen state ernnts and LTC insurance panies which was ford in an effort to increase ownerip of long term care insurance and reduce the public’s dependence on Medicaid budget. The program was first introduced as a demonstration project in the states of California, Connecticut, Indiana and New York but was made available all throughout the country after the ratification of the Deficit Reduction Act of 2005. The program es with the asset-disregard feature which allows owners of partnerip policies to apply for Medicaid benefits under different eligibility and asset recovery requirents in case they exhaust their benefits. For the unquainted, Medicaid only provides benefits to people who pass the poverty criteria of their states. Oftentis, these are people with no more than $2,000 worth of assets left to their na (excluding the value of ho and car). Therefore, without the asset-disregard feature of the program, a person who exhausts his policy and wants to tap into Medicaid must first use his life savings to pay for care. He can only qualify when the value of his assets passes the poverty criteria set by his state. With the asset-disregard feature, however, this does not have to happen. People can buy as little insurance as they can afford. In case they exhaust their policy, they can apply for Medicaid and be eligible to keep as much value of assets as the amount of benefits they received. Below is an example that demonstrates how the asset-benefit feature of LTCIPP works.Mr. Wakefield bought a partnerip policy with a benefit amount of $250,000. So years after, he entered a nursing ho and exhausted the benefits of his policy. Because he is still in need of long term care, he applied for Medicaid. By then, his total asset value is $275,000. Had it been that his policy is not partnerip-qualified, he would have had to spend $273,000 of his assets to qualify for Medicaid, since Medicaid only entitles beneficiaries to keep $2,000 worth of assets. But since he owns a partnerip policy, he only needed to spend $23,000 since he received $250,000 from his policy and he is entitled to keep $2,000 worth of assets.Aside from the asset-disregard benefit, LTCIPP also es with the following features: • Ho-based and fility based coverage• Inflation protection• Tax-qualified (will be eligible for so tax incentives) There are long term care solutions for eh of your long term care concerns. ---
For those who do not have experience with the legal process, the concept of litigation may be unfamiliar. Here, Atlanta civil litigation attorney Steve Estep explains litigation in easy to understand terms.

What is Litigation?

Litigation is another word for the legal process that begins when a party files a lawsuit. The plaintiff is the person, group, or organization that files the lawsuit, and the defendant is the person, group, or organization that responds. There are o types of litigation: civil and criminal.

Civil Litigation vs. Criminal Litigation

Civil cases are legal disputes beeen individuals, groups, or organizations. In a civil case Davante Adams Jersey , the plaintiff seeks financial restitution ("damages") or to force the defendant to do sothing or stop doing sothing. The oute of this type of case typically impacts only the involved parties, and the parties may settle before they have to go to trial.

Criminal cases involve the ernnt at the local, state, or federal level ausing the defendant of a cri. In a criminal case, the ernnt, represented by a prosecutor or district attorney, seeks to puni the defendant for breaking the law. Criminal cases are seen as impacting society, not just the victim.

Examples of Civil Litigation

There are a few reasons a party may begin civil litigation. For example, in cases involving dical malpractice, wrongful death, personal injury, or product liability, the plaintiff seeks financial pensation.

A party may also begin civil litigation to force a person, group, or organization to take a certain action. Cases involving libel, slander, patents and trademarks, trade secrets, worker's pensation, contract disputes, and disputes beeen landlords and tenants are handled through civil litigation.

Examples of Criminal Litigation

Any case in which the law has been broken is a criminal case. There are o types of criminal offenses: misdeanors, which are considered minor cris, and felonies, which are considered more serious cris. Examples of criminal offenses that will result in criminal litigation include: breaking and entering, oplifting, murder, robbery, arson, rape, and drunk driving.

Do You Need a Civil Litigation Attorney?

It is important to realize that the vast majority of civil cases end up being settled before the case goes to trial. In so cases, however, a party will decide that the matter cannot be settled out of court, making it necessary to go through the litigation process. In this situation, having a seasoned civil litigation attorney on your side is absolutely crucial.

Steve Estep is a civil litigation attorney who handles cases in the Atlanta area as well as out of state.

Website: veneersfactory.steve-estep

Since the invention of the automobile there has all the ti been a robust link beeen cars and m.

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