Long Term Care Insurance - Reading Contracts Avoiding Denials

This course addresses Workers' Compensation cases in which a worker is not returning to their previous employment. Topics addressed include: Cases with accepted and disputed body parts, periods of lost time, medical bills, Social Security implications, pension funds, group insurance liens, and Medicare Advantage plans. Originally presented as part of the Workers’ Compensation Institute 2024: How to Handle High Stakes Claims Plus How to Avoid Having Robots Write Your Brief.

This course covers important changes in the way real estate commissions are handled. It provides an overview of the changes and best practices for providing real estate clients with a good experience, despite the changes.

Third party created irrevocable trusts are not all created equal in protecting from creditors of a beneficiary.  Distribution standards matter.  Taxation matters.  Most consider a completely discretionary trust to be the gold standard, superior to those with ascertainable standards or other forced distributions.  But after a grantor dies, these designs either trap income in trust and force the trust to pay tax at highly compressed rates, or force distributions out of the trust.  A beneficiary income accumulation trust (BIAT®), sometimes referred to generically as a beneficiary deemed owner trust (BDOT), allows the trust to grow tax-free by shifting the income tax burden to the beneficiary without having to take funds out of the protective wrapper of the trust, which greatly enhances the “tax burn” for GST exempt trusts and the overall asset protection for the beneficiary in the long-term, especially when designed with appropriately crafted trust protector, cessor and forfeiture clauses. Originally presented as part of Advanced Asset Protection Planning.