Benefits & Healthcare. Plain-English guides, state-by-state.
Every benefits & healthcare guide we've published — fees, timelines, procedure, and calculators for the numbers that matter.
15 guides in Benefits & Healthcare.
Community Spouse Resource Allowance: Protecting Assets When a Spouse Needs Care
Guide to the Community Spouse Resource Allowance (CSRA) rules that protect the healthy spouse's assets when one spouse needs Medicaid-funded long-term care, including 2026 allowance amounts and planning strategies.
9 min read
Long-Term Care Insurance: Is It Worth It? Costs and Alternatives
Analysis of long-term care insurance, including current costs, policy features, the pros and cons of traditional vs. hybrid policies, and alternative strategies for funding long-term care.
10 min read
Assisted Living vs. Nursing Home: Costs, Care Levels, and When to Choose
Comparison of assisted living and nursing home care, including cost differences, levels of care provided, when each is appropriate, and how to pay for each option.
10 min read
Medicaid Spend-Down: Legal Ways to Qualify for Benefits
Practical guide to Medicaid spend-down strategies, including legal ways to reduce countable assets, permissible purchases, and common mistakes to avoid when preparing a Medicaid application.
10 min read
Nursing Home Costs by State: 2026 Average Rates and Payment Options
State-by-state breakdown of nursing home costs for 2026, including semi-private and private room rates, factors that affect pricing, and how to pay for nursing home care.
12 min read
Medicaid Asset Protection Trusts: Protecting Your Home and Savings
Guide to using irrevocable Medicaid asset protection trusts to protect your home and savings from nursing home costs while maintaining Medicaid eligibility.
10 min read
Long-Term Care Planning: Costs, Insurance, and Medicaid Strategies
Complete guide to planning for long-term care costs, including nursing home and assisted living expenses, long-term care insurance, Medicaid qualification strategies, and asset protection for families.
16 min read
The Medicaid Look-Back Period: 60-Month Rule and Penalty Calculations
Detailed explanation of the Medicaid look-back period, including the 60-month rule, how penalties are calculated, common transfers that trigger penalties, and strategies to avoid costly mistakes.
12 min read
Medicaid Income Limits by State: 2026 Federal Poverty Level Guidelines
State-by-state breakdown of 2026 Medicaid income limits based on Federal Poverty Level guidelines, covering expansion states, traditional Medicaid, and long-term care income thresholds.
12 min read
Medicaid Eligibility: Income Limits, Asset Rules, and How to Qualify
Guide to Medicaid eligibility rules for families, including income thresholds, countable assets, the application process, and strategies for qualifying while protecting your savings.
18 min read
Unemployment Benefits: How to Apply and How Much You'll Get
A practical guide to applying for unemployment benefits — eligibility requirements, how your weekly benefit is calculated, how long payments last, and what can disqualify you.
12 min read
Medical Debt and Bankruptcy: Your Options After Hospital Bills
How to handle overwhelming medical debt — from negotiation and financial assistance programs to Chapter 7 and Chapter 13 bankruptcy. Includes recent changes to medical debt credit reporting and collection rules.
10 min read
Medical Malpractice Claims: A Complete Guide for Patients
Everything patients need to know about medical malpractice lawsuits — from proving negligence and meeting expert witness requirements to understanding damage caps and statutes of limitations.
16 min read
Medical Liens on Your Settlement: Hospital Liens, Medicaid, and Medicare
How hospital liens, Medicare, Medicaid, and private insurance subrogation claims work and how they reduce your personal injury settlement take-home amount.
10 min read
Understanding Powers of Attorney: Which Type Do You Need?
A power of attorney lets someone make decisions on your behalf if you can't. Learn the difference between durable, springing, and healthcare powers of attorney.
8 min readFree legal calculators
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