Finding leads is a task insurance agents love to hate, and it is vital to financial success. Final expense leads can be profitable, but they can also be difficult to source unless an agent opts to deal with a reputable lead generation company. The advantages of final expense insurance leads actually come from their... 
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Seniors are starting to catch up with younger Americans in their use of communication technology and social media. Older Americans now belong to the fastest-growing group of social media adopters, though they still use the internet and social media less often than people in younger age groups who adopted social media... 
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Owning pets can provide health improvements for some seniors. According to a recent study by the Purdue University School of Nursing, pets can reduce depression and help keep seniors on a regular eating schedule, improving nutrition. Other studies have found that seniors who own pets have greater self-esteem and... 
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In 2014 Planned Lifetime Assistance Network of New Jersey celebrated 25 years of service to individuals with severe developmental disabilities and mental health challenges. To commemorate the occasion, PLAN held a wonderful event on June 5th at the New Jersey Law Center, located at One Constitution Square in New... 
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Article by Thomas D. Begley Jr. Public benefits must always be considered in the settlement of a personal injury case.  They are important for two reasons:  (1) whether there is a lien to repay the public benefits, and (2) whether the plaintiff’s continued eligibility for public benefits depends on the establishment... 
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Article by Thomas D. Begley Jr. This is the second part of a two-part article dealing with the impact of Windsor on taxation and public benefits.  This article will examine the impact of Windsor on public benefits planning. In United States v. Windsor,[1] the United States Supreme Court declared §3 of the Defense... 
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Article by Thomas D. Begley Jr. This is the first of a two-part article on tax and public benefits planning for same-sex couples.  In the 2013 case of United States v. Windsor,[1] the Supreme Court of the United States declared §3 of the Defense of Marriage Act (DOMA) unconstitutional.  Section 3 was drafted to... 
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Article by Thomas D. Begley Jr. Prior to July 1, 2002, the New Jersey estate tax was a “sponge” or “pick up” tax that was essentially based on the federal estate tax.  On July 1, 2002, the tax was decoupled from the federal estate tax.  The New Jersey estate tax is now imposed upon the transfer of an estate... 
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Article by Thomas D. Begley Jr. As a condition of Medicaid eligibility, a Medicaid applicant is required to assign to the state any rights to payment of medical care from any third party.[1]  If the individual fails to pursue the claim, the state has the option of pursuing it.  Federal law requires that each state... 
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Article by Thomas D. Begley Jr. Unfortunately, many personal injury settlements come undone when liens have been discovered after the settlement has been agreed upon.  Sometimes this is fixable, but often it is not.  Here are some of the common liens that must be addressed in typical personal injury settlements: Medicaid... 
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