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Housing - Residential Facilities and Voting Rights

Although the right to vote is fundamental in the United States, state law governs the manner in which this right is exercised. Although almost one-half of the states have passed laws addressing the voting rights of those living in residential facilities, these laws differ significantly. More...

Insurance - Long-Term Care - Gatekeepers

Some of the most important features of a long-term care insurance policy are the provisions relating to gatekeepers. Gatekeepers are the individuals who decide extremely important issues, such as whether a person is eligible to buy coverage and whether a policyholder's placement in long-term care is warranted.More...

Nonqualified Annuities

A nonqualified annuity is purchased outside of an employer-provided retirement plan. After-tax dollars are used to fund a nonqualified annuity, so contributions are not deductible from gross income for income tax purposes. Taxes on interest or earnings in a nonqualified annuity are deferred until withdrawal. In a lump-sum distribution of a nonqualified annuity, the monies may be transferred into an IRA or similar vehicle to defer taxes additionally. Only a portion of a monthly annuity payment is taxed because each payment is partially principal that has been taxed and partially interest earned. The portion of the monthly payment that is excluded from taxes is determined by an exclusion ratio. The exclusion ratio is the total amount of premiums paid divided by the total expected payment amounts. If the expected return is based on a life expectancy or joint life expectancy, the Internal Revenue Service has tables and multipliers that are used to determine the total expected return. If the expected return is not based on a life expectancy, the total expected return is the sum of all amounts to be received. More...

Insurance - Long-Term Care - Features - Coverage, Benefits, and Related Issues

After a decision to purchase long-term case insurance has been made, a savvy consumer will closely compare policies to determine which, also taking cost into consideration, best fits his or her needs. Policies have many different features relating to the definition of long-term care; the amount and type of benefits and benefit periods; and exclusions. Additionally, some policies provide for death benefits.More...

Veterans Benefits - Eligibility

A successful applicant for veterans benefits must either have been discharged other than dishonorably from active military service or must have provided specific services related to the military. To qualify as "active military service," a service member must have provided full-time service to the Army, Navy, Air Force, Marines, or Coast Guard, or he or she must have served as a commissioned officer of certain federal agencies.More...