the website of Lisa Nachmias Davis, Attorney at Law

CT ELDER LAW LINKS PAGE
LAST UPDATED May 28, 2009

Search entire site of sharinglaw.net:
TO USE THIS PAGE: (if you don't know the layout) - hit "CTR+F" to find something specific. Otherwise, LOOK AT THE INDEX -- "core primary sources" has a sub-index at the top.
  LINK TO INDEX for this page
  LINK TO CORE PRIMARY SOURCES INDEX
  LINK TO KEYCASES PAGE
  HOW TO JOIN MY LISTSERV for CT elder lawyers

POOLED TRUST "program information bulletin" 4/15/09 (PDF)
DSS RESPONSES 2/11/09 (PDF) to comments on original proposed UPM changes -- includes revisions (some) -- no procedure pages. Not yet approved by regulations eview committee. 102 pages.
4/2007 proposed changes to UPM -- includes procedure pages- 130 pages - long download. NOTE: changed in 2/11/09 responses.

The LAW: see DRA showing updates to prior law (courtesy of Tim Takacs) plus amendment by Tax Relief & Health Care Act of 2006.
As if the DRA wasn't bad enough -- in CT we also have TRANSFEREE LIABILITY -- Any gift (after 7/6/05) within three years of application, or for those after 2/8/06 within five years of application, will create a DEBT to the STATE owed by transferor or transferee -- the state can sue the recipient under section 4 of P.A. 05-209 (eff. 7/6/05).
On another topic: don't forget important 2007 changes to conservatorship statutes - PA 07-116, PA 07-117

Note:  This information is maintained to benefit the elderly in Connecticut and nationwide by providing a resource to attorneys, caregivers, and others assisting the elderly.  However, accuracy and currency are not guaranteed. USE AT YOUR OWN RISK.
Please report changes, errors, and suggestions to
Lisa Davis. Thanks.

or = relatively new addition to this page = Tech Help (Click HERE for tech Q&A)

Links to CBA section sites may require login using a CBA login and password unless you have already logged in

CORE PRIMARY SOURCES OF LAW
(and
"key numbers") (with sub-index)

CONNECTICUT ELDER LAW RESOURCES NATIONAL ELDER LAW RESOURCES
GENERAL LEGAL RESEARCH SOURCES
and other useful tools
CBA Elder Law Section
Home Page
SELECTED SEARCH ENGINES
ELDER LAW: OTHER STATES

INTERNET MAILING LISTS
CT Elder Law Discussion 

E-NEWS SUBSCRIPTIONS


    CORE "PRIMARY SOURCES" OF LAW FOR CONNECTICUT ELDER LAW ATTORNEYS

DSS Applications and Planning Tools
Key Numbers
Federal Statutes Pending federal legislation Federal regulations and policy Federal Taxes Federal Courts and Cases State Statutes Pending state legislation State regulations and policy State
Taxes
State Courts
and Cases


DSS APPLICATIONS and PLANNING TOOLS -
(DSS forms are in large PDF files due to shading)
NOTE: DSS is putting more forms on its website, although not usually in fillable form.
Check the DSS Publications Page to be sure the form below is the current version and to check for newer forms. There is also W-1E which apparently covers everything. Finally-- DSS now has online ordering for forms. Click for info. (PDF)
Medicaid application W-1F (2007 rev) (fillable; please report problems!)
Preliminary application W-1 (fill-in PDF) (rev 2002)
Spousal Assessment W-1-SA (fill-in form thanks to Steve Keogh)
W-168 Verification List (PDF)
W-1685 (rev 3/05) (fillable PDF)
W-858 (legally liable relative form) (PDF)
DSS "caretaker child" transfer of assets inquiry/response - SAMPLE (PDF)
Disability determination forms
W-300 and W-303
W-1ER (recertification form) (FYI only -- poor quality)
W-982 PCA-Waiver Request Form (fillable, PDF0
W-1130 ABI Waiver Request Form (fillable, PDF)
W-979 Money Follows the Person Request Form (fillable, PDF) (the word is you should apply NOW even if person does not yet qualify)
ConnPACE application form (not fillable)
Rev. 1/2009 Compute CSPA spreadsheet in Excel OR use blank form online (sorry, the formulae don't work without Excel) (use at own risk!) (don't forget "Family allowance" if applicant has a minor child -- not included
Compute value of Life Use spreadsheet in Excel 97(to age 100) (see also DSS table - PDF)
Deb Tedford's "formula" for computing prudent gifting during look-back period.
Excel or MS Word 2000 downloads. (BUT SEE transferee liability provisions)
PCA waiver provider application and other forms for those on program
An historical footnote:
DSS chart of AMCC and CSPA amounts from 1/91 to 7/08
TECH HINT 1
: PDF files are LARGE and slow; you may need to reboot / free up memory to view/print
TECH HINT 2
: spreadsheets should be DOWNLOADED and opened in Excel, formatting is lost if "viewed" with a plug-in. Right-click to "save" to hard-drive

KEY NUMBERS

  Eff 1/1/2008 Eff 1/1/2009
Max CSPA (w/o hearing) $104,400 $109,560
Min CSPA $20,880 $21,912
Max MMNA (w/o hearing) $2,610/mo $2,739
                                               Eff. 7/1/2008      Eff 7/1/2009
"Average Monthly Cost of Care" penalty $9,464 $9,959
Min MMNA $1750 $1,821.25
Shelter $525 $546
Utility allowance $720 (10/1/08) $720 (10/1/08)
SNF Personal Needs Allowance $65 $69
Other Transfer Penalties ($ = 1 month): Eff 1/1/2009
State Supp. (no cap; 24 month look-back) $500 $500
SSI (36-month cap; 36 month look-back) $637 living alone $674 living alone
$449 at home
SAGA medical (no cap; 3-month look-back) $500 $500
Food stamps (see chart) max 1 year max 1 year

ConnPACE Income Limits 1/1/09: $25,100 single, $33,800 couple (income is net of Part B premiums); Co-pay $16.25 per 30 days; annual fee $30. No asset limit. Check Center for Medicare Advocacy or medicare.gov on Part D.
Home Care Program limits:
ctelderlaw.org; DSS chart; Kate McEvoy CHCPE summary and detailed explanation (also PDF)
In general: Assets 1/1/09: $32,868/single, $43,824/couple. CHCPE Cat. 3 (Medicaid waiver) income cap: $2,022 (1/1/09)
Quick list of Medicare deductibles and co-pays
In general: Direct link to CTElderLaw.org
public benefits or Health Care programs summaries. See also 2009 Poverty Levels
Legal Services organizations' eligibility limits (estimated)

Since I have space here -- DON'T FORGET TO CHECK THE UNIFORM POLICY MANUAL AND SUBSEQUENT TRANSMITTALS!

FEDERAL SOURCES

CONNECTICUT SOURCES

FEDERAL STATUTES
Search Findlaw's US Code (USE CAUTION - not always current)
Search House of Rep's US Code (gives the date)
Cornell's US Code
Popular Name Table
U.S. Code Title 42  -  dowloadable sections
I and II - -to 12/2005
View online entire Social Security Act (current to 9/8/06) with changes to date (well it was "to date" when posted!) -- NOTE the following do not appear to incorporate Deficit Reduction Act (PDF)
  
1382b (Assets; part of SSI law)
   1396r (Nursing Homes)
   1396p (Liens and transfers)
   1396k (Assignment of rights)
   1396r-5 (MCCA)
   Title XVIII (Medicare)
Medicaid laws AS AMENDED by Deficit Reduction Act - with annotations by the fabulous Tim Takac (42 USC 1396p-r) (PDF)
VA benefits:
38 USC Chapter 17 (only current through 2004)
Older Americans Act 42 U.S.C. 3001 et seq. (current to 1/1/06); see Older Americans Act Amendments of 2006 (PDF) and Older Americans Reauthorization Technical Corrections Act of 2007 (PDF).
STATE STATUTES (tax statutes are below under taxes)
Entire
Connecticut General Statutes 2009 compilation
(NB: if out of date, replace the year included the URL link with the current or most recent ODD-NUMBERED year)

Search statutes, Public Acts 
On-line from the 2009 statutory compilation:
  
1-42 et seq. (Short Form Durable Power of Attorney)
  
4a-16 (administration of estates of medicaid recipients by DSS)
Title 12 (Taxes)
Title 45a (Probate) including 45a-486 (trustbusting)
Conservatorship statutes
Title 17b (Social Services  
  
17b-91(f) burial contract
  
17b-95 estate recovery (DON'T FORGET, federal law preempts!)
  
17b-451 Elder Abuse
Title 19a (Public Health)
   
19a-533 (waiting list rule)
   
19a-535 (transfer and discharge)
   19a-550 (patient's bill of rights)
  
19a-570 et seq (Living Wills)

Important Public Acts (for historical reference)
PA 05-209 signed 7/6/05 Transferee Liability (see excerpts)

PENDING FEDERAL LEGISLATION
"Thomas," Library of Congress (status of pending federal legislation)
Congressional Record (set to 110th session,2nd-- 2008 -- but you can see others)

Information on reauthorization of Older Americans Act (including text of relevant provisions) prepared by Center for Social Gerontology)

PENDING STATE LEGISLATION
General Assembly page (status of pending legislation)
Link for
Appropriations Committee contacts (out of date)
Latest
Connecticut Agencies on Aging legislative summary (thanks to Kate McEvoy)
Recent version of proposed Connecticut Uniform Trust Code (Word)

FEDERAL REGULATIONS AND POLICY
GENERAL
Federal Register
Code of Federal Regulations (National Archives & Records; variably updated)
alternate: "
e-cfr" which is updated currently but "beta" -- current
Social Security Regulations (browsable) (current to 4/1/2008)
Title 42 (search or browse) Rev. to 12/6/2002
  
Part 409 (Medicare Part A / nursing home care) 
  
Part 431 (Fair Hearings) 
  
Part 435 (Medicaid Eligibility)
   
Part 483 (nursing home requirements)
VA benefits:
38 CFR Part 17 (2002). See Sharon Pope summary. (PDF)

SOCIAL SECURITY www.ssa.gov
Social Security Handbook
Social Security Rulings
Social Security POMS (Programs Operations Manual System) - searchable
Life estate and remainder tables (required by Deficit Reduction Act)
Other source of life expectancy tables (ssa.gov)
SSA Memos and Transmittals of Interest
SS Policy Interpretation re: disability over age 65, 68 Fed. Reg. 63833
Social Security Forms, downloadable
Claimant representatives' page
Listing of reported deaths (from Rootsweb.com)
2009 Social Security changes list

CENTERS FOR MEDICARE AND MEDICAID SERVICES (formerly HCFA) www.cmms.gov

CMS State Agency Regional Bulletin 2008-05 (Boston): re: transfers to d4c trusts by applicants age 65+ (PDF)
CMS advisory to states on DRA transfer provisions
State Medicaid Manual (Publication 45) - download chapters as zip files: or
Transmittal 64 provisions (online) (CAUTION: not necessarily followed by CT Department of Social Services; 2/2006: may be superceded by portions of Deficit Reduction Act)
CMS List of CT waivers, with numbers
Medicare page
CMS manuals - links to the new internet-only stuff but also has the current "paper" manuals for download as zip files:
-
Hospital Provider Manual (zip)
-
SNF manual (zip)
-
HHA manual (zip)
HCFA or CMS Letters
Beneficiary Notices
Article, Susan Haines and Thomas Begley, "
the Use of Medicare Set-Aside Trusts in Workers' Compensation Settlements" (PDF)

CITIZENSHIP
Bureau of Citizenship and Immigration Services (use Form N565 for proof of immigrant status/naturalization -- $210 fee (2005))

STATE REGULATIONS AND POLICY
BENEFITS
CT Uniform Policy Manual - CLICK FOR INSTRUCTIONS ON HOW TO OBTAIN THIS FROM THE STATE, DOWNLOADS, ETC. IF YOU PRACTICE ELDER LAW IN CT YOU MUST OBTAIN THIS!
  
DSS RESPONSE to UP 07-02 (PDF)- latest regs 2/2009
  
DSS TRANSMITTAL 07-02 - DRA REGULATIONS eff 4/1/07 (PDF)
 
 
*****The following excerpts apply pre-DRA law*****

  
Excerpts relating to Home Care Program (REVISED 10/2005)
  Pre-2/06 Transfers - Chapter 3028 (PDF) (see amounts in "key numbers")
    REMEMBER TO CHECK TRANSMITTAL 07-02 FOR POST 2/8/06
  
Exempt assets (Medicaid program) - in PDF - 10/04 updated 11/05
  (whole long thing - 15+ pp w/ definitions) also  
4020.10 - 11 in PDF
  
Spousal refusal changes to deeming rules (PDF)
  
TRUST provisions 4030.80 in PDF
  
Life Use Computation Tables to age 100 (DSS Norwalk -- PDF file)
  
Kaiser Family Foundation summary of CT Medicaid plan, which is no longer available online as text, alas -- CMS may have it back at some point. If direct link does not work, try MY COPY.
  
CMS List of CT waivers, with numbers (www.cms.hhs.gov -- really hard to find!!) including ABI and DMR ("comprehensive supports")

USEFUL STUFF ON BENEFITS - - SUMMARIES AND DETAILS
  
Sharon Pope
summary on VA Aid & Attendance (PDF) - 1/09
- My article,
Connecticut's "State Supp" (AABD) Benefit - 10/08
Hoberman/Shedd article on Holocaust reparations
- OLR report summarizing
Home Care waivers overall (#276)
- OLR report summarizing
elderly home care (#328)
-
Kate McEvoy CHCPE summary and detailed explanation (also PDF)
- (a bit stale)
Dalin/McEvoy article on home care programs - 2005

NOTICES, PRONOUNCEMENTS
Selected
DSS memoranda
AG's "
dire warning" on so-called "Medicaid annuities." Note, this was "updated" in July 2007 -- post-DRA.

NURSING HOMES
Public Health Code and regulations
CTElderLaw.org summaries on nursing home law
Eric Carlson's "15 Lies" (PDF) - NO LONGER AVAILABLE -- ALAS. Still available: NCCNHR fact sheets.
Further
summary of law prohibiting discharge pending review of Medicaid application

Index to Public Health Department book on nursing homes (PDF) (1/09)
Entire book on nursing homes (PDF) - or call 860-509-7400 for a price and send check payable to Treasurer, State of CT, to :
State of CT Dept. of Public Health, 410 Capitol Ave. MS #12FLIS, PO Box 340308, Hartford, CT 06134-0308 Attn: Nursing home publication
Note
: you can check a particular facility's licensure or check for updates at "ct.clic" which checks licensures.
CT Partnership
PDF booklet summary of rates current to 4/2008

FEDERAL TAXES (check www.sharinglaw.net/npo/links.htm also)
Internal Revenue Code (Cornell U.) (see H. Rep. list of updates)
Tax Regulations - CURRENT - or if not working: current to April 2004
IRS Forms and Publications -- most can now be filled in AND SAVED
Legalbitstream.com - searchable database of ALL online tax resources
Internal Revenue Manual - latest IRS letter rulings
New Fax Number/address for applying for an EIN (eff. 1/4/2002) ... OR ...
GET EIN ONLINE!!! Caution: you CANNOT use for LLCs; the EIN you get is "provisional" and they can still fax back to you and ask for more info.
Call (866) 699-4083 for status of estate and gift tax returns.
IRS charts on IRA minimum distributions (PDF)
Noel Ice's hyperlinked retirement distribution regs.
2001 Tax Reform Act exemption changes
Fabulous Orr & Reno table summarizing ALL EGTRRA tax changes
EGTRRA on Thomas (PL 107-16) (you may have to "search" again) or PDF
or
on NY Society of CPA website - with links
AFRs of all kinds on Pa. lawyer Dan Evan's site - also 7520 rates
Simplified
excel spreadsheet for quick estate tax computations (L Davis 2/07) (USE AT OWN RISK)

STATE TAXES

CT tax statutes (current to 1/1/2009 only)

Current year
CT 706 and CT 706-NT (links to prior years also)

DRS on-line income-tax calculator (2008)
Department of Revenue Services Forms
DRS Regulations
DRS compilation of estate income/succession tax regulations (obs)
Legislative Updates
2005 2007

Excel spreadsheet for quick computation of CT Estate Tax (L Davis) (improved 2/2007, suggestions welcome) (also includes fed tax) (USE AT OWN RISK)

For prior years:
Succession Tax; Gift Tax (Current to 1/1/2005)

2/2008 DRS/OPM "
Estate Tax Study"

FEDERAL COURTS AND CASES
Findlaw
great alternative:
Chesslaw
US Supreme Court Cases 1937-1975 (vols 300-422) fedworld)
Second Circuit (Findlaw - 1995-present) or official site: 2003-now
District of Connecticut Opinions (selected; since 1999)
Selected "key cases"
CBA "
Casemaker" research (log in as a CBA member first) (has D.Conn. cases)

STATE COURTS AND CASES
Probate Court site (list of fees; dowload forms in PDF)
  
Probate Court forms (NEW fillable PDF forms available!)
   
Excel Spreadsheet to compute probate fees
   Intestate Succession, taxes, probate fee info is included in Probate Court pamphlet "
Probate Court and You," a PDF file
Opinions of CT Supreme and Appellate Courts (PDF) since July, 2000.
Selected "key cases" for CT attys - elder and special needs law (with links)
"
Asset Protection Book" website page of CT cases and laws
--- see
handy chart of federal/state bankruptcy protections
CBA "
Casemaker" research (log in as a CBA member first)
CT Practice Book (PDF)- ethics opinions now ONLY on Casemaker


CONNECTICUT ELDER LAW RESOURCES                                                                                             Return to Page Index
   (in alphabetical order)

Agency on Aging of South Central CT The site includes Kate McEvoy's various contributions (legislative updates, articles, chart) and information about the many programs the Agency provides, including the home care program. See the "Guide to Senior Services."

CT Department of Administrative Services

This is where you go to find out what is the lien with respect to Medicaid or other benefits, payable upon receipt of an inheritance or personal injury settlement. For liens repaid during lifetime (e.g. on the home), contact DSS. However, for liens relating to care in a state psychiatric institution, contact Tony Nunes at DAS. You can write or fax to: but better is to call first and get someone's NAME and then fax. Fax a release as well. Address: 165 Capitol Avenue Hartford, CT 06106. Bureau of Collection Services: (860) 713-5400. Fax # (860) 713-7408

CT Department of Mental Retardation DMR site --- not so much "elder law" as special needs (of which more information on www.sharinglaw.net/disability/helplinks.htm). IMHO pretty useless, but at least it has phone numbers..
CT Department of Revenue Services DRS site has links to forms and a lot of other stuff -- click here for the links above on this page.
CT Department of Social Services -
and
Aging Services Division
Includes telephone and e-mail directories (including Protective Services) (click for MY download of DSS Protective Services brochure in PDF); detailed information on programs for seniors and those with disabilities, the Department's Elderly Services Manual (updated 2007), available online, aging services publications, (including the "periodical" Age Matters), explanation of the State Supplement program (but without the eligibility numbers, alas), and other publications. Click for DSS/Elderly Services IMPORTANT PHONE LIST (but only current to 2003).. Find out where to apply for benefits for a resident of any town - regional offices. Review the DSS publication "Long-Term Care Issues and Medicaid" (current) which is NOT on the elderly services division publications page and apparently always includes the current "key numbers". And write to Vincent Hayes or call him at 860-424-5133 for a fax of the up-to-date list of assisted living facilities participating in the pilot Medicaid program covering assisted living.
PROTECTIVE SERVICES: To report cases of suspected abuse, neglect or exploitation, call the toll-free In State referral line at 1-888-385-4225, Out of State call Infoline at 1-800-203-1234. After Hours Elder Abuse Emergencies, In State call Infoline at 211, Out of State call Infoline at 1-800-203-1234. (I'm tired of the State changing the location for this information on its website!)
CT Division of Criminal Justice Elder Abuse Unit To report suspected elder abuse. Note that there is qualified immunity for reporting suspected elder abuse (you can't do it out of malice.) CGS 17b-451.
The Connecticut Elder Law website (CTElderLaw.org) Consumer-oCT Partnership for Long Term Careriented site on Connecticut Elder Law topics.  Maintained by Connecticut Legal Services with support from the ABA, the Eastern Connecticut Area Agency on Aging and the CHOICES program. Direct link to Legal Services Network pamphlets for consumers. Direct link to Public Benefit Information page without frame.
CT Hospice Includes information on inpatient and home care hospice services.
CT Housing Choice Voucher List Housing Choice Voucher Waiting List Website!! Legal Services says: First, you can go to the web site, click on "List of open waiting lists," and see which housing authorities, if any, presently are accepting Section 8 applications. If a list is open, it may be possible, depending on the housing authority, to link to a housing authority web site from which an application form can be downloaded. Second, you can register at the site to receive notice whenever a list opening is posted. To do this, click on "Register to receive email notices of opening of waiting lists." You can request notices of all lists posted or of those from particular housing authorities only. Register for "All Authorities" so that you receive all notices.
CT Insurance Department A"framed" site, but you can go directly to the page with Medicare supplemental policy rates in Connecticut; page with list of CT Partnership policies; page with list of other companies offering LTC policies; page on HMO external appeals; and compilation of insurance regulations
CT Long-Term Care Ombudsman's office CT's long-term care ombudsman talks about advocacy volunteers and fundraising
  Link forwards to a page in the Office of Policy & Management agency of CT, but the stuff is still there -- navigate the left-hand column options. More complete than the Insurance Department site; includes a wealth of statistical information on long-term care, a summary of Medicare eligibility limits for long-term care. Publishes a PDF booklet (current to 4/2008 as of this writing) with prices for each nursing home AND home health agency in the state.
CT Public Health Dept. Includes page with Public Health Code and regulations. You can write to the department for their annual review of nursing homes and home health agencies, or download the nursing home book index or entire book. (PDF)
CT Rental Assistance programs RAP regulations: 17b-812-6, 17b-812-9 and 17b-812-11a.
CT State Homepage  Official state page with connections to all branches of state government
Includes
STATE EMPLOYEE PHONE/E-MAIL DIRECTORY including DSS workers.
CT State Treasurer "Name it and claim it" site
ConnPACE.com NEW website from DSS devoted to the ConnPACE program. Download the ConnPACE application.(PDF)
Funeral Consumer Alliance of Connecticut Nonprofit group that surveys funeral homes and provides price information.  Order their funeral home survey.
Infoline We all know this but often forget. Has all kinds of information about subsidized housing etc.
PLAN of Connecticut Nonprofit organization that will handle small special needs trusts and operates CT's only "pooled" trust under 42 USC sec. 1396p(d)(4)(c).
Reverse Mortgage Info Low-interest Connecticut-funded CHFA reverse annuity mortgage website info, older info sheet, fact sheet, application (Check AARP site for more on commercial mortgages)
sharinglaw.net - disability HELPLINKS page has legal and non-legal links relating of interest to the disabled
SSATTY page has listing of private practitioners who handle Social Security claims and appeals
sharinglaw.net - elder Page with non-legal links to care providers and related services


NATIONAL ELDER LAW RESOURCES                                                                                               Return to Page Index
 (in alphabetical order)

AARP (formerly the American Association of Retired Persons)  Searchable site, includes: directory, with direct e-mail links, to every member of Congress; has taken over from reverse.org much of the reverse mortgage information, including a handy calculator; information on many topics; read the latest biennial report on long-term care including the portion on Connecticut
ABA Center for Professional Responsibility - Model Rules Although Connecticut's Rules of Professional Conduct have not yet been amended to reflect the most recent changes to the ABA rules, and so do not have the force of law, they are an important resource for Connecticut elder law attorneys.
ABA Commission on Law and Aging Includes listing of section publications; offers free e-mail subscriptions.  View articles from Bifocal, the Section's newsletter, order relevant Section publications, and download publications.
Administration on Aging (AoA) The AoA funds caregiver support programs and many other programs for the elderly. The site includes links to local agencies, other resources, and compilations of general and statistical materials. The "Elder Care Locator" is here.
AgeNet (on 2/27/09 this site was blocked as infected - be careful) Health information and resource links specific to older adults. Topic areas include:  geriatric health/drugs, legal, insurance, financial, products and caregiver support; Alzheimers association chapters; message board.
Alzheimer Page Comprehensive site on Alzheimers sponsored by Washington University - St. Louis - sign on to the mailing list
ACTEC American College of Trusts and Estates Counsel. No, this is not only for those who plan for the 8-figure estate set. Includes the highly-regarded ACTEC Commentaries on the ABA rules of professional conduct and a terrific, PUBLIC, T&E links page
Americans with Disabilities Act site U.S. Dept. of Justice site, including technical assistance manuals.
Annuityshopper.com For reference purposes, gives instant "quotes" on annuities. Commercial site - there are probably others.
Center for Medicare Advocacy  Includes information on Medicare, e-mail link to request the Center’s printed materials, a "quick screen" to identify potential Medicare coverage, articles on Medicare+Choice, and a useful summary/comparison of the various supplemental policy provisions and summary of gaps in coverage. Redesigned; the "hover buttons" mostly gone.
Consumer Consortium on Assisted Living "Consumer-focused advocacy organization devoted to the needs and rights of assisted living residents." No more checklist for evaluating assisted living facilities; you have to spring $14 to order one :(
Consumer Reports Periodic consumer information on nursing homes, long-term care insurance, etc. The comprehensive nursing home info is now gone, but see the checklist for evaluating nursing homes. Clients often mention Consumer Reports articles.
Elderweb.com Labyrinthine and comprehensive site created by was created by CPA Karen Stevenson Brown, also a long-term care consultant. Look here when you can't find it. Includes "links to information on legal, financial, medical, and housing issues, as well as policy, research, and statistics."
End of Life Options pages This link is to "tube feeding options" and includes summaries of the perspectives from numerous different religions on artificial nutrition and hydration issues as well as medical and ethical discussions.
Families USA Families USA offers free subscriptions to e-mail newsletters and policy alerts in four areas - Medicaid, managed care, children's health, and all health care issues.  Direct e-mail link to your congressperson to send messages on pending legislation.  A valuable site for those involved in advocacy.
Fedlaw site. Or see USA.gov This is now located in "The Center for Regulatory Effectiveness." Federal government site reference center. Links to the U. S. Supreme Court, all Federal Circuits, and many District Court opinions, etc.
FirstGov for Seniors
(formerly Access America for Seniors) (on USA.gov)
Developed as a cooperative effort under the aegis of the National Partnership for Reinventing Government and maintained by the Social Security Administration, this site provides access to government services and information covering a wide range of issues (from Social Security to travel tips).  You can also sign up for a mailing list.
Health Privacy Project Links to privacy laws in all states, plus explanations of HIPAA rights. Contains links for HIPAA and the HIPAA regulations. (Also see the DHHS FAQ in Q&A format).
Health Resources and Services Administration, U.S. Dept. Health and Human Services Lists the annual poverty guidelines used to measure eligibility for many programs.
U.S. Dept. Health and Human Services Links to recent "briefings" on Medicaid eligibility policies from DHHS Office of Assistant Secretary for Planning and Evaluation, April 2005; provided courtesy of Christine I Andrew, Esq., of the Connecticut Alzheimers Association.
H.E.L.P. Non-profit organization located in Southern California offers useful "consumer-oriented" pamphlets and newsletter items suitable for clients. Also includes "Your Way," a guide to help older adults and families communicate about medical treatment desires, values, etc.
HUD Information on Section 8 / elderly housing:   Housing Choice Voucher Program Guidebook (eligibility);  2008 Income limits (PDF). See: 24 C.F.R. Part 5 Subpart F (replacing prior regulations). Statutory authority: 42 U.S.C. 1437f.
Insure.com Easy-to-read summaries of insurance laws in all 50 states, plus explanations of HIPAA, COBRA rights, etc., with ample links to local sources of information.
Longtermcare Link Consumer-oriented site that gives a comprehensive look at long-term care planning, from LTCI to Medicaid planning, with links to vendors of assisted living. Written by a CLU. Now owned by National Care Planning Council
Medicare.gov Includes "Nursing home compare" information page. This is also the place to find those elusive "provider manuals." You can order in print or download. Good hunting, what you are looking for is buried deep within. See also the nonprofit "member of the family" website that tries to summarize this information with a list of best and worst. I haven't listed it separately because I'm ambivalent about the accuracy from this kind of characterization.
Medicare Rights Center National, not-for-profit organization located in New York City; site offers direct assistance for Medicare beneficiaries and on-line versions of brochures (some bilingual).  Site now has an excellent interactive guide through Medicare copays, deductibles, and coverage information.
National Academy of Elder Law Attorneys (NAELA) Includes fill-in form for members to sign up for participation in NAELA's unmoderated e-mail mailing list.  Whether or not members participate, they can review listserve archives through NAELA's members only page. Members are also entitled to a template-style website for $25/year, available to the public through the popular "Need an elder law attorney?" link. NAELA Bylaws now require members to subscribe to "aspirational standards." (PDF)
National Association of State Medicaid Directors Fascinating site that alas, has no search function and one suspects the best stuff is in the "members only" section. At one time included a list of Medicaid waivers. Includes collection of pending legislation, State Medicaid Director Letters issued by CMS, etc.
National Center for Home Equity Conversion Nonprofit site on reverse mortgages containing useful information, current rates, explanations. Formerly "reverse.org," this "complements AARP's basic consumer information ... may be particularly useful to nonprofit counselors, professional advisors, and any consumers or their family members looking for more information beyond the basics."
National Citizens Coalition for Nursing Home Reform (NCCNHR) Nonprofit group that advocates for nursing home reform.  Site includes address/telephone information for ombudsmen in all 50 states.  Order publications, but I can't figure out if they still have Nursing Homes:  Getting Good Care There -- their search engine was not working. Site has a really useful "advance directive" for quality care.
National Council on the Aging (unitedseniorshealth.org) A national nonprofit advocacy group. Includes information about long-term care insurance, Medicare, Medicaid and Medigap insurance and a list of publications for sale.
National Health Law Project (NHeLP) "30 Years of Working for Justice in Health Care for Low Income People." Includes detailed analysis of current and proposed legislation. Links page includes an outdated (1997) state-specific page with connections to Medicaid agencies in most states. Offers a free e-mail subscriptions for publishing information on current issues. 
National Hospice and Palliative Care Organization The National Hospice and Palliative Care Organization (NHPCO) represents hospice and palliative care programs and professionals in the United States. Includes advanced directives for all 50 states available for download, although annoyingly you have to provide name, email and address so it's not clear how you get the directives for other states. Advanced directive forms are copyright; "reproduction and distribution by an organization or organized group without the written permission of the National Hospice and Palliative Care Organization is expressly forbidden."
National Organization of Social Security Claimants' Representatives (NOSSCR) National support organization for attorneys specializing in Social Security disability law. Includes basic information on the law and the organization. Purchase the "Listing of Impairments for Adults, Listing of Impairments for Children, and the Medical-Vocational Guidelines (Grids)." Some materials are available only to members. 
National Senior Citizens Law Center (NSCLC) NSCLC advocates nationwide on behalf of low-income elderly individuals and persons with disabilities.  Includes articles and legal documents on many of these topics.
Office of Disability, Aging and Long-Term Care Policy or the new site Component of the U.S. Department of Health and Human Services.  Includes numerous surveys, studies, and analysis on health care, Medicare, Medicaid, and Managed Care.
Savings Bonds (TreasuryDirect) Treasury Dept. site for determining current value of US savings bonds
Social Security Administration Includes Social Security Handbook, benefit calculator, entire Social Security Act, SSA forms, subscribe to a newsletter. See also "Understanding SSI."
trustsandestates.net Site of T&E lawyer Noel Ice -- contains Noel's unique and frank (!) commentaries on the retirement distribution regulations, hyperlinked -- invaluable. (Scroll down to the bottom of the page)
Veterans Administration Includes information on all benefits programs; download VA life insurance forms, Form 21-526 by which a single veteran can get an additional $90 excluded from applied income when on Medicaid; Form 21-534 for a widow.

since October 6, 2006


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