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Common Car Accident Injuries

By Brian S. Karpe |

When a car accident occurs, the first thing that people usually see is the damage to the vehicles involved. Car crashes can also cause damages to the occupants of the vehicles. Depending on the impact, a person can suffer a wide range of injuries of varying severity. The force involved can cause your body… Read More »

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2023 Medicare Update

By Brian S. Karpe |

With the recent hard-sell and subsequent popularity of Medicare Advantage health plans, the Centers for Medicare and Medicaid Services (CMS) announced significant marketing requirement changes for those insurance representatives that sell Medicare Advantage and/or traditional Medical supplement insurance policies. The CMS updated marketing rules to say: The following disclaimer must be mentioned within the… Read More »

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The Difference Between Pooled Versus First-Party Special Needs Trusts

By Brian S. Karpe |

If you have a beneficiary that suffers from a serious physical and/or mental impairment or chronic illness and receives government assistance, you want to think about how you can allow that individual to receive their inheritance without sacrificing the government benefits they desperately need. A special needs trust may be the right estate planning… Read More »

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Why It Could Be Beneficial To Spend Down Savings

By Brian S. Karpe |

Just in the name alone, savings denotes funds that are put aside and not touched unless necessary or to be spent at a later time. This is true throughout life. People should put some money that they make from each paycheck away for savings. In time, those funds will accumulate and can be a… Read More »

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Should A Senior Spend Down Their Savings?

By Brian S. Karpe |

Over the course of a lifetime, people work and grow their financial and property assets. The earnings people have made have been saved and invested and can be modest to substantial. No matter how modest or robust one’s savings are, the thought of how to handle expenses after retirement while also providing for beloved… Read More »

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What Are The Main Differences Between Estate Planning And Estate Planning For Medicaid?

By Brian S. Karpe |

If you expect to need Medicaid, then you should create or update your estate plan for this potential. The truth is, that estate planning and estate planning for Medicaid are two different animals. When you are planning with Medicaid as a factor you have to do so in such a way that preserves your… Read More »

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Types Of Special Needs Trusts

By Brian S. Karpe |

When a person is receiving government benefits like Medicaid, these benefits do not cover all of the costs of daily life. Potentially, you may be taking care of these extra expenses for your loved one while you are still living, but if you pass on before your loved one, you will no longer have… Read More »

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Can You Gift Your Wealth To A Family Member To Qualify For Medicaid?

By Brian S. Karpe |

Medicaid is a program that is funded by the federal government but administered by the state of Connecticut through the Department of Social Services to help low-income and low-asset individuals get assistance with various healthcare needs. Seniors can be eligible for Connecticut Medicaid benefits but they have to meet certain requirements. Specifically, there are… Read More »

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How Can Workers’ Compensation Deny Your Claim?

By Brian S. Karpe |

If you file your claim with your employer’s insurance provider but it is denied, this may come as a shock and be quite distressing. Thinking about the long road you have to recover, how costly your medical expenses are, and what you are going to do about your income when you cannot work are… Read More »

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Reasons Why Your Workers’ Compensation Claim Was Denied

By Brian S. Karpe |

If you were injured while you were at work you may want to have access to your company’s workers’ compensation insurance to help you pay for your injury and rightfully so. Connecticut workers’ compensation coverage is required for businesses with employees or those that use contractors that do not carry insurance. This means it… Read More »

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