Video Gallery
Want to understand the real-world differences in how families cover long-term dementia care costs across state lines? In this episode, Kathy and Gary take an honest, down-to-earth look at Paying for Memory Care in PA vs New Jersey — the financial realities, the Medicaid coverage gaps, and planning strategies every family should know before crisis hits.
Curious about medicaid compliant annuity strategies and how they can actually help protect assets while qualifying for long-term care benefits? In this episode, Kathy and Gary break down the nuts and bolts of Medicaid annuity planning in plain language, with real-world examples and no fluff.
We tackle a question caregivers ask every tax season: can assisted living costs be deducted on your taxes? We’ll walk through the IRS rules that matter most, when a resident is considered “chronically ill,” why a licensed practitioner’s certification and a plan of care are so important, and when room and board may count as a medical expense (yes, sometimes). We’ll also explain the common “partial deduction” scenario, where only the nursing/medical portion of assisted living fees is deductible, plus the 7.5% of AGI threshold and the documentation you’ll want in your back pocket.
What does “estate taxes” really mean in New Jersey vs. Pennsylvania, and why the rules can surprise families right when they least need surprises. We’ll cover the big differences (NJ’s estate tax repeal, NJ’s inheritance tax, and PA’s inheritance tax structure), plus practical elder law strategies that can help protect what you’ve built: gifting, trust planning, and long-term care/Medicaid planning to keep healthcare costs from draining the estate. If you live in NJ or PA (or your parents do), this is the kind of planning talk that can save money, stress, and family drama later.
Join hosts Kathy & Gary as they guide families in Southern New Jersey & Southeastern Pennsylvania through what to watch for when you see your aging loved ones over the holidays, and why those changes shouldn't be ignored.
Can you leave a nursing home during a Medicare-covered stay and still keep your benefits? In this edition of our podcast, Kathy and Gary, explain everything families in New Jersey and Pennsylvania need to know before taking a loved one home for the holidays, including Medicare rules, bed-hold fees, and how short absences affect skilled nursing coverage.
Wondering how veterans can tap into pension benefits to help pay for long-term care? In this episode, Kathy and Gary dive into the Veterans Special Monthly Pension (Aid & Attendance) — who qualifies, how it works, and how it can be used toward in-home care, assisted living, or nursing home costs.
Curious about VA benefits? In this episode, hosts Kathy and Gary break down what the VA does and doesn’t cover. From healthcare, education, and disability compensation to housing assistance, employment benefits, and support for dependents, we’ll look at how veterans and their families can tap into these vital resources.
