Index
The index that appeared in the print version of this title does not match the pages in your eBook. Please use the search function on your eReading device to search for terms of interest. For your reference, the terms that appear in the print index are listed below.
Note: Books and pamphlets are listed under “books/handouts.” Hotlines are listed under “hotlines.” Internet addresses are listed under “Internet.” Organizations are listed under “organizations/services.”
accelerated death benefits
taxes on
accelerating income, for tax benefits
access:
to buildings
to information, vs. privacy
to medical system
access legal plans
access period
accidental-death insurance
accountants
accounting, of estate, upon death
accrual-method taxpaying
accrued benefits, under retirement plans
activities programs, in nursing homes
actual cash value coverage
acupuncture
address, maintaining a stable, for good credit rating
adjustable rate mortgage
adjusters
adjustments to gross income
adoptive family, for children
adult children
advance directives
access to documents stating
resources
revoking
where to store
advancement issues, and disability
advocates, for hospital care complaints
affidavits
after will execution
of competence
of testamentary capacity
after-tax return, on investments
agents
choosing, for durable power of attorney
to administer advance directives
airplanes
aliens, legal
alimony, as medical payment
allergic reactions
allocation, and investment strategy
alternative-care practitioners
alternative medicine
resources
alternative minimum tax
A. M. Best Company
ambulances
amended tax returns
American Express
Americans with Disabilities Act (ADA)
ADA-approved questions during preemployment process
Civil Rights Division
employee benefits protected by
leaves of absence under
and reasonable accommodation
Amtrak, disability discounts on
ancillary probate
annual fees, on credit cards
annual percentage rate (APR)
annuities
loans against
and shielding assets to qualify for Medicaid
withdrawals from
apartment, right to adapt space to disability
appeals
for denial of Supplemental Security Income (SSI) application
for health insurance claims denied
and Medicaid
and Medicare
and Medicare MCOs
appointments, with doctors
appraisers
apprenticeships
aptitude testing
artificial nutrition
assertiveness
in dealing with professionals on support team
with doctors
in hospitals
assessment coverage
assets
administration of disposition of
and cash conversion
converting into income
distributions of, upon death
inventory of
registration of title of
review of, prior to estate planning
to qualify for Medicaid, divestiture of
transfer of, to heirs
See also estate planning
assigned risk pools, automobile insurance
assisted living homes
asymptomatic people
attendant care
attorneys
and administration of disposition of will
for appeal of denial of SSI application
fees
for housing discrimination matters
representation by, in loan agreements
for trust creation
at will, termination term
auction houses
audits
automobile insurance
average return, on investments
bank accounts
disposition of, upon death
pay on death accounts
registration of
bankruptcy
and proceeds from sale of life insurance policy
real property protected in
of travel tour operator
barter
beneficiaries
and life insurance
minors as
and viatical settlements
vs. will designations
benefit checklists, managed care organizations (MCOs)
benefits
after leaving job
full
of new employer, examining
protection of
residual
when changing jobs
while employed
bequests
bill-paying systems
birds, as pets
blind people
blood tests
blood transfusions
while abroad
board and care homes
board certified doctors
bodily changes, when living with life-challenging condition
bodily-injury liability (automobile insurance)
bonds
as collateral for loan
flower
bone marrow transplants, resources
bonuses
delaying, for tax advantage
and disability
books/handbooks
“ADA Private Transportation Handbook”
The Aids Benefits Handbook (McCormack, Tom)
“At Home with MS, Adapting Your Environment”
Caring for Your Own Dead (Carlson, Lisa)
“Chemotherapy and You, a Guide to Self-Help During Treatment” (National Cancer Institute)
Choices in Healing (Lerner, Michael)
“Disability Evaluation Under Social Security” (guide)
Do What You Love, the Money Will Follow (Sinetar, Marsha)
Eating Defensively: Food Safety Advice for Persons With AIDS
Eating Hints for Cancer Patients
“Facts & Issues, Hiring Help at Home”
Food for Thought: MS and Nutrition
HealthNet (Ryer, Jeanne C.)
Health Online (Ferguson, Tom)
HIV/AIDS Clinical Trials: Knowing Your Options
The HMO Health Care Companion, a Consumer’s Guide to Managed-Care Networks (Raymond Alan G.)
Home-Made Money, A Consumer’s Guide to Home Equity Conversion (AARP)
Life Mastery (Fisher, Sally)
Living with HIV: A Nutrition Guide, Eating Tips for HIV Disease
Love, Medicine, and Miracles (Siegel, Bernie)
Medical Records - Getting Yours
“The Medicare Managed Care Directory”
“New Horizons for the Air Traveler with a Disability” pamphlet
Nutrition and HIV: Your Choices Make a Difference (Wickwire, Peggy A.)
The Patients Assistance Directory
A Quick Consumer Guide to Safe Food Handling
“Radiation Therapy and You” (National Cancer Institute)
Red Book on Work Incentives (SSA)
Sometimes My Heart Goes Numb (Garfield Charles)
“Taking Time, Support for People With Cancer and the People Who Care About Them”
Third Party and Self-Created Trusts: A Lawyers Comprehensive Reference (Kruse, Clifton B.)
What Color Is Your Parachute? (Bolles, Richard Nelson)
“What You Should Know about the Pension Law”
Working While Disabled: A Guide to Plans for Achieving Self-Support While Receiving Supplemental Security Income
“Your Federal Income Tax” (publication)
bracelets, for medical alert
break-even point
brokers
insurance
mortgage
for viatical settlements
budgeting
buildings, access to
bulletin board support groups
bunching
burial benefits
burial customs
burial place, choosing
burnout, of caregivers
business, passing on at death
business insurance
bypass trust
cafeteria plan
California
Canada
cancellations
of credit cards
of travel bookings
cancer
charitable gifts, resources
insurance
magazines
treatments
trials
capital appreciation, of investments
capital gains, taxes on
capital improvements, deductibility as medical expense
capital loss, and decedent’s estate
capitation
car, rental of
cardiac arrest
cardiopulmonary resuscitation
career
changing
counseling
Internet searches
caregivers
magazines
care of a friend, and taxes
car loans, paying
carryovers, of excess charitable contributions to other years
case studies
description of condition on application for Social Security
doctor visit
investment strategies
cash
from home equity conversion plan
how to generate, to meet expenses
retirement assets conversion into
cash basis income
cash equivalents
cash flow
on disability
cash surrender, of life insurance policy
cash value provisions
of permanent life insurance policy
caskets
resources
casualty insurance
catastrophic major medical insurance
cemeteries
plots
certificates of deposit
as collateral for loan
certification
of hospices
of professionals
certified financial planner (CFP)
certified public accountant (CPA)
CHAMPUS
charge cards
charitable contributions
resources
as tax deduction
charitable remainder trusts
chartered financial consultants (ChFC)
chartered life underwriters (CLU)
chartered property casualty underwriter (CPCU)
checking account, overdraft protection on
chemotherapy
child-care expenses, taxes on benefits for
children
and automobile insurance
custody of
disinheriting
guardians for
preneed decisions concerning
as recipients of assets, upon your death
resources on
revealing your condition to
SSD benefits to
child support
child support insurance
chores, assistance with, at home
chronically ill individual, definition of
chronic illness insurance
civil courts, for housing complaints
claims (health insurance)
appeal process
submitting
claims assistance professionals
cleanliness, in nursing homes
clergy
clinical trials
closed-casket ceremony
closed-end funds
closings, real property
cobalt therapy
COBRA (Consolidated Omnibus Budget Reconciliation Act)
termination of
COBRA rights, notice requirements and
code and contention endorsement
codicils
coinsurance
property insurance
COLA (cost-of-living inflation) provision
collateral, life insurance as
collision insurance
on rental car
combination chemotherapy
commission basis, financial planner pay system
common law property states
common stock
community property states
community spouse resource allowance (CSRA)
compassionate use programs, drug access
complaints
filing, for job discrimination
filing, for violation of FMLA rights
about home health care
about hospital care
about housing
compliance aids, regarding drug regimen
comprehensive insurance (automobile insurance)
comprehensive legal plans
conduit IRA
confidentiality
and employment
in support groups
consent documents
altering, with initials
for surgery
conservators. See guardians
consignment
consolidation, of debt
consumer credit insurance
Consumer Reports auto insurance price service
contact lens insurance
contestable period
clauses
of life insurance policies
contesting, disposition of personal property
contingency basis attorneys’ fees
continuation of health care
continuation of salary
contraception
contracts
for assisted living homes
at nursing homes
contribution limits, on retirement plans
conversion
of assets, to qualify for Medicaid
of health coverage
home equity
of life insurance from group to individual
of retirement funds to disability income
co-op and condominium insurance
coop collectibles stores
co-payments, health insurance
coping strategies
core expenses
cosigners
and debt and bankruptcy
on loans
cosmetic procedures
and insurance claims
cost contract (MCO)
counseling
for career decisions
covered employers
covered services, health insurance
covering doctor (when regular doctor away)
coworkers, and confidentiality
credit
getting more
protecting
resources
status
uses of
creditable coverage
credit bureaus
credit cards
bank, paying off
and car rental insurance
fraud
reducing debt on
store, paying off
credit counseling
credit disability insurance
credit information
credit life insurance
credit management
creditors
and assets in revocable trust
and proceeds from sale of life insurance policy
and revocable living trust
credit rating, poor
credit reports
credits, for tax reduction
credit shelter trust
credit unions, burial benefits
cremains, disposing of
cremation
critical illness policy
Cumulative Sanctions report
“cures”
custodial accounts
custody, of children
daily journal
of discrimination events
of hospital expenses
daily living
resources
damages, for employment discrimination
dealers, selling personal property to
death, of a dependent
death benefit exclusion
death benefit payments
taxes on
death benefits, accelerated
debt
cancelled at death
consolidation of
credit card, reducing
leverage, in real property ownership
long-range planning regarding
management of
payment of, upon death
reduction of
deductibles, health insurance
deductions
deferring/accelerating, for tax advantage
guidelines of averages of, to avoid audit
itemization of
medical
strategies for, to reduce taxes
deferred annuities
deferring income, for tax benefits
defined benefit retirement plans
defined contribution retirement plans
dehydration
denial of claims
appeals, for health insurance claims
for Social Security Disability Insurance by SSA
dental clinics
dental hygienist
dental insurance plans
dentists
denturists
dependent-care credit
employer-provided
dependent-care expenses
taxes on benefits for
dependents
and COBRA continuation of disability coverage
medical expenses of, and tax deductibility
qualification as
and taxes
dialysis
dietary supplements
Diners card
directors’ and officers’ liability insurance (D&O)
direct writing carriers
disability
attitudes toward coping with
extent of
federal benefits programs
financial prospectus upon
legal protections against discrimination for
meaning of, and qualification for
permanent
preparing for
qualifying definitions of
reevaluation of status of
under SSD
uses of term
disability credit
disability income insurance
applying
benefits continuation while pursuing suit under ADA
buyout policy
checklist/chart
continuation, under COBRA
and continuing health insurance
and early withdrawal from retirement plans
effect of sale of life insurance coverage on
employer financed, taxes on
employer-sponsored, taxes on
extension of benefits
group
group short-term
individual, taxes on
other types of
private, and returning to work
private, individual
short-term benefits
short-term state programs (SDI)
state programs
U.S. residency requirement
disability income replacement
disability insurance, and changing employer
disability leave:
rehiring after
returning to work after
tips when on
disability provisions, in retirement plans
disability waiver of premiums
discharge, from hospital
disclaiming an inheritance interest
disclosure
and employment
in retirement plans
discount brokers
discount legal plans
discounts, for people on disability
discretionary expenses
discrimination
against Medicare and Medicaid payers at nursing homes
documentation of
family and friends of disabled person protection against
legal protection against
legal protection against, in federally assisted programs and activities
legal protection against, in hospitals
legal protection against, in housing
legal protection against, in public places
and mortgage loan application
rights against
in willingness to administer treatment
disinheriting
a child
a spouse
District of Columbia
diversification
and investment strategy
divestiture
of assets, to qualify for Medicaid
doctor-patient relationship
doctors
changing, under MCO
choosing
in hospitals
managed care
naturopathic
resources about fees of
as sources of information
visits to
while traveling
See also primary care physician (PCP)
DocuDial
documentation
and applying for benefits
of disability
for disability application
documents
locations and copies of
storage and organizing of
do-it-yourself will kits
dollar amounts, in wills
dollar cost averaging
Do Not Resuscitate order (DNR)
double indemnity provision
downsizing budget
dressing
drivers’ education courses
drug holiday
drugs
evaluating
and exercise
from foreign countries
generic
in hospitals
information sources for
mail order
in nursing homes, cost of
over-the-counter
prescription
purchasing
while traveling
See also medications
due process
Duff & Phelps
durable health care power of attorney
durable power of attorney
vs. guardianship
dwelling insurance (fire insurance)
early checkout, from hospital
early pension
early withdrawals, from pension funds, tax penalty
earthquake insurance
economic circumstances, change in, and professional billing
education, gifts for
elective admission, to hospitals
electron beam therapy
elimination period
embalming
emergency rooms, admission to hospital through
emotional condition, as cause of disability
emotional experience, of disability
emotional state, and doctor relationship
emotional support
sources for
emotions
employee leasing company
Employee Retirement Income Security Act (ERISA)
Employee Stock Ownership Plans (ESOPs)
as tax-free savings account
employer retirement plans
withdrawals from
employer stock
and IRA rollover
withdrawal of, from employer retirement plans
employment
after leave of absence
benefits
confidentiality and
legal protections regarding
maintaining status quo, vs. asking for reasonable accommodation
returning to, after disability
seeking a new job
SSA incentives to return to work
SSI incentives to return to
subsidized
enforcement
of advance directives
of housing rights
England
enrollment periods, for employer health plans
entombment
Environmental Protection Agency, Safe Drinking Water Hotline
equity buildup, in real property ownership
equity investments
equivalent taxable yield, on investments
errors
escrow account
essential functions, of a job
estate planning
and real property ownership
reasons for
tax considerations
estate tax
and death proceeds from life insurance policy
and statutory fees
and viatical settlements
evaluator
excess compensation
excess liability insurance
excess major medical policies
excise tax, on withdrawals
executor, of will
exempt assets, and SSI eligibility
exempt property
from bankruptcy
exercise
and drugs
exit interview
expanded access programs, drug access
expenses
components of
how to manage income sources to meet
impairment-related
experimental drugs
experimental treatments
exclusion
Explanation of Benefits (EOB)
health insurance
extended period of eligibility
Fair Debt Collection Practices Act
Fair Housing Act
Fair Housing Department (H.U.D.)
family (of a disabled person)
nontraditional relationships, and FMLA rights
protection from discrimination
Family and Medical Leave Act (FMLA)
family counseling
Federal Employees Group Life Insurance (FEGLI)
salability of
Federal Rehabilitation Act
Federal Trade Commission
funeral rule
fee-offset basis, financial planner pay system
fee-only basis, financial planner pay system
fee-plus commission basis, financial planner pay system
fees
and annuities
for investment advice
fertility
protecting
FICA
non-deductibility of, as medical expense
filing status, for taxes
filing system, for financial information
financial affairs
examining basic status of
and personal planning
financial goals
financial information
consolidating
organizing
financial management
financial matters, advance directives about
financial plan
financial planners
fine arts, insurance
fired, being
fire insurance (dwelling insurance)
first-to-die owner, of jointly owned property
fixed income investments
fixed rate annuities
fixed rate mortgages
fixed term income, from reverse mortgage
flea markets
flexibility, and investment strategy
flexible savings accounts
Flexible Spending Accounts (FSAs)
taxes on
flight insurance
flood insurance
Florida
flower bonds
food
help in preparing
in hospitals
in nursing homes
safe handling of
while traveling
Food and Drug Administration (U.S.)
food stamps
foreign drugs
Form 1099
Form 1099-R
Form 2441
Form 7004 (SSA)
Form SS-4
forward averaging rules
foster care
401 (k) plans
and living trusts
loans against
fraternal organizations, burial benefits
friends (of a disabled person)
protection from discrimination
fulfillment
full-service brokers
fully insured, definition of
funeral arrangements
resources
services
funeral rule (FTC)
gatekeepers (MCO)
GE Capital Mortgage
general practitioners. See also doctors
generic drugs
gifts
for educational and medical purposes
and taxes
gift tax
glass breakage insurance (automobile insurance)
government benefits, resources
governments, treatment guidelines of
government-subsidized housing
grace periods
health insurance premiums
grade policy
grantors
of living trusts
grave liners
growth strategy, in investing
guaranteed issue life insurance
resources
guaranteed renewable provision
guaranteed weekly benefits (health insurance), and taxes
guarantee of insurability provision
Guardian Organizations
ALS (Lou Gehrig’s Disease)
Alzheimer’s Disease
Cancer
Cerebral Palsy
Cystic Fibrosis
Diabetes
HIV/AIDS
Huntington’s Disease
Kidney Diseases
Leukemia
Liver Disease
Lung Disease
Lupus
Multiple Sclerosis
Myasthenia Gravis
Parkinson’s Disease
Sickle Cell
guardians
for children
to manage inheritance of minors
gyms, membership-fee discounts
hair loss
hardship withdrawals
Hawaii
health care power of attorney
relationship with living will
health care proxy
health information, revealing during job interview
health insurance
and MSAs
deductibility as medical expense
during leave of absence
effect of sale of life insurance coverage on
examining
indemnity. See indemnity coverage
keeping
legal right to maintenance of
local programs
managed care. See managed care organizations
maximizing provisions of
obtaining
private, and Medicare
private, overview
and return to work after disability leave
state programs
while traveling
Health Insurance Portability and Accountability Act (HIPAA)
health maintenance organizations (HMOs)
health-related payments, taxes on
health supplements
hearing, administrative, for denial of SSI application
hearing-impaired
telephone services for
heirs
passing assets to
See also estate planning
herbs
high loan-to-value (HLTV)
high risk insurance pools
Hill-Burton program
hiring, health information revealed during interview
HIV/AIDS
charitable gifts, resources
resources
treatment information on the internet
treatments
trials
holistic healing, deductibility of expenses paid to
holographic will
home:
adapting to medical condition
staying in, vs. changing
home and community based waiver program
home attendants
home care
providers
team
home care attendants
bonded
home equity
conversion
line of credit
loan
home health aide
home health care
agencies, certified
home mortgage interest
deductibility of
homeowners insurance
and home attendant care
and travel possessions
homestead exemption
homosexuality, and leave of absence rights
honesty
hospice care
assessing agencies
finding agencies
in hospital
payment plans for
resources
Hospice Hotline
hospital indemnity (income) insurance
resources
hospital insurance
Medicare
hospital privileges, of doctors
hospitals
admission to
choosing
discharge from
investigating bills of
resources
tips for personal comfort in
while traveling
writing wills in
hotels, abroad
hotlines
Department of Health and Human Services
home-health-agencies
hospice
Inspector General (Health and Human Services)
International Traveler’s Hotline
IRS
Medicaid
Medicare
Medicare Rights Center
National Association of Securities Dealers Public Disclosure
Office of the Inspector General, regarding home health care complaints
Private Transportation (ADA)
safe drinking water
Spina Bifida
housekeeping care
housing
assistance programs
protection against discrimination in
Humane Society
hydration
identification papers
in wallet
while traveling
illegal medical operations, non-deductibility of
immediate annuities
immune system
boosting
travel and weakness in
impairment-related work expense
deductibility of
incapacitation
advance directives for
income
adjustments to gross
components of
deferring/accelerating, for tax benefit
limits for credit for disabled or elderly
nontaxable
strategies for, to reduce taxes
taxable
income replacement
income strategy, in investing
incontestability
incorporation, of business, passing on at death
indemnity coverage
and Medicare
indemnity payments, taxes on
indexed annuities
individual practice associations (IPAs)
managed care health insurance plans
Individual Retirement Accounts (IRAs)
disposition of, at death
and living trusts
loans against
rolling over
as source of disability income
transfers
withdrawals from
individual spending accounts
taxes on
individual-sponsored retirement plans
withdrawals from
infectious diseases
avoiding, in hospitals
and dentists offices
and embalming
and liability
inflation guard endorsement
inflation hedge, in real property ownership
informed consent documents
inheritance
and taxes. See estate tax
Inlander, Charles
inspection reports, of nursing homes
installment sale
instincts
when choosing a doctor
when choosing support team member
institutionalization, definition of term
institutional review board, and clinical trials
insurability
insurance
on auction items
on consigned goods
investigating available policies
See also specific types, e.g., disability insurance
Insurance Activity Index (MIB)
insurance brokers
insurance commissions
resources
insurance policies
estate taxes on
integration-of-benefits provision
interest, deductibility of
interest income, and taxes
interest rates, on credit cards
interment
Internal Revenue Service
Internet
cancer treatment information on
caution about information from
Cremation Society
HIV/AID treatment information on
job finding resources on
moreinfo@healthresource.com
nutritional advice
sale of personal property through
treatment information on
www.cdc.gov/travel/travel.html
www.irs.ustreas.gov/prod/tax-stats
www.paralegals.org/ProDirectory/home.html
interns, in hospitals
internships
interstate travel, and validity of will
interview
of broker
of dentist
of doctor you are looking for
of financial planner
for job when returning to work after disability
of MCO doctor you are looking for
of nutritionist
of professionals on support teams
for Social Security disability
intimidation:
in hospitals
by professionals
inventory list, of assets and tangible property, for insurance purposes
investigational treatments
investments
administration of
criteria for
deductibility of interest on
developing a strategy
options for retirement plans
strategies, and life expectancy
tips
types of, for retirement plans
vehicles
irradiation
irrevocable, vs. revocable
irrevocable trusts
IRS powers of attorney
jewelry insurance
job
changing, and benefits
considerations before starting new
identifying ideal
interviews
jointly held property
joint tenancy
Keogh plans
key-person insurance
lab services, of doctors
last will and testament. See wills
lawyers. See attorneys
leasing companies
leaves of absence
for new job search
leaving your job, and group life insurance policy
legal aid
legal clinics
legal documents
legal protections
and health insurance
and nursing home rights
regarding employment
legal representation, resources
lending institutions
Letter of Instructions
level premiums
liability insurance
automobile insurance
and rental property
when volunteering
libraries
licensing
in funeral industry
of hospices
of insurance agents
of professionals
liens, of assets, to qualify for Medicaid
life estate
life expectancy
and investment strategies
outliving estimated, and sale of life insurance policy
periodic withdrawals using
and sale price of life insurance policy
life insurance
as collateral in personal or commercial loan arrangements
consequences of selling
conversion of
to cover funeral costs
to cover new mortgage
employer-sponsored, taxes on
group
how to obtain
individual
loans against
new uses of, for cash
obtaining, with life-challenged condition
to pay estate taxes
and returning to work
salability of
sale of the remainder of
as surrogate trust
taxes on benefit proceeds from
trust as beneficiary of
uses of
life support treatments
lifetime limits, health insurance benefit
Life Units
liquid assets
liquidation
liquidity
and investment strategy
on death to pay estate taxes
of real property
List of Instructions
for access to all financial and legal matters
live support groups
living abroad
and Social Security Retirement Benefits
Living Bank
living trusts
living wills
loads, funds with
loans
advantages and disadvantages of
against annuities
against life insurance
against pensions plans, 401(k) plans and profit-sharing plans
against retirement plans
against SEP-IRAs and IRAs
CDs as collateral for
collateral for
commercial, with life insurance as collateral
to pay property taxes
from private individuals, with life insurance as collateral
student
under employer-sponsored retirement plans
under individual-sponsored retirement plans
local stores, charge cards from
lodging, deductibility of, as medical expense
longevity
and support groups
long-term care
and Medicaid
payments for, taxes on
long-term-care insurance
deductibility as medical expense
and nursing homes
long-term-care services
taxes on
look-back period
losses, of property, and insurance procedures
loss of job by being fired
lump sum payment, of viatical settlement
lump sum withdrawal, from retirement plans
lying
magazines, resources
maintenance care
malpractice
managed care organizations (MCOs)
benefit checklists
doctors in
drug purchase through
and home care coverage
hospice care covered by
and Medicaid
and Medicare+Choice
and nursing homes
and outpatient services
premium for deductions as medical expense
management fees, of living trusts
marital status, employer discrimination based on
married couples, and taxes, filing status
Martindale-Hubbell
matching contributions
McGrady, Patrick
meal preparation
assistance with
means-based entitlement
mechanical breathing devices
Medicaid
and accelerated death benefits
care outside U.S.
and choosing a doctor
drug coverage under
and equity conversion proceeds
and home care coverage
and hospice care coverage
and long-term-care coverage
and nursing home payments
and radiation therapy coverage
and real property ownership
resources
taxes on benefits
MediCal (California Medicaid)
medical bills, paying off
medical care
deductible categories of
right to choices in
right to make decisions about
medical checkup, before travel
medical claims, counseling on
medical condition, proof of
medical deductions, on taxes
medical equipment
having at home
rental or purchase of
medical evacuation
medical expenses
automobile insurance coverage
deductibility of
dependent-care credit deductibility as
non-deductible
medical history, business-size medical cards with
medical identification
medical information, revealing during employment interview and hiring
medical insurance
and alternative treatments
and choosing a doctor
and home care
prescription drug coverage
and unapproved treatment
medically necessary, and health insurance coverage
medical/nursing care, in nursing homes
medical power of attorney
medical records
patients’ right of access to
privacy of, vs. access to
summary of, taken on travels
medical savings accounts (MSAs)
and Medicare
medical system, access to
Medicare
abuses of
applying for
care outside U.S.
and choosing a doctor
deductibility of payments from
drug coverage under
and equity conversion proceeds
HMOs
and home care coverage
and hospice care coverage
and long-term-care coverage
and MSAs
and nursing home payments
payment for assisted living homes
premium for deductions as medical expense
and radiation therapy coverage
resources
taxes on benefits
Medicare carrier
Medicare+Choice
drug coverage under
and MSAs
medications
while traveling
See also drugs
MediGap
drug coverage under
and nursing home payment
premium for deductions as medical expense
Medi-Medi
MedWatch program
memberships in associations, and obtaining insurance
memorial services
mental condition, as cause of disability
mental health providers
Merrill Lynch
Mexico
mind-body connection
misrepresentations, of medical condition
money management
money purchase pension plans
Monster Board
Moody’s
moral issues, and disability
Mor and Kidder
mortgage life insurance
mortgages
applying for
payments
refinancing
morticians
mortuaries
multiple sclerosis
mutual funds
mutual-help groups
Nader, Ralph
name bands, in hospitals
national mortgage lenders
naturopathy
necklaces, for medical alert
needles
negative equity mortgage
net countable income
net worth
worksheets
new employer/job
investigating, upon return to work after disability
and obtaining group life insurance
New Jersey
New York
next of kin
night sweats
no-fault insurance
automobile insurance
and workers compensation
no-load funds
noncancelable provision
nonfunded purchasing companies
nonparticipating physician, and Medicare
nonrecourse
nonrecourse loans
nosocomial infections, at hospitals
notarization
of signature of agent on durable power of attorney
of signatures of witnesses to execution of will
notice, of leave of absence
Notice of Exhaustion of Benefits
notice of termination
health insurance
notice requirements, and COBRA rights
nurses, in hospitals
nursing homes
assessing
benefits for
staff in
nursing/infusion therapy care
nutrition
nutritionists
obituary notices
OBRA
occupational therapy
“off-label” uses, of treatments
ombudsman
and complaints about nursing homes
in hospitals
on-line support groups. See also Internet
onset date, of disability
open-ended income, from reverse mortgage
open-end funds
open-enrollment periods
health insurance
openness, with professionals on support team
oral advance directives
oral wills
organ donation
organizations/services:
AdOne Classified Network
AIDS Clinical Trial Information Service
American Association of Retired Persons (AARP)
American Board of Medical Specialties
American Cancer Society
American Council of Life Insurance
American Dietetic Association
American Institute of Certified Public Accountants (AICPA)
American Medical Association
American Nutritionists Association
American Psychiatric Association
American Psychological Association
American Society of Appraisers
Antique Appraisal Association of America
Architectural and Transportation Barriers Compliance Board
Best Doctors
Better Business Bureau
Blue Cross and Blue Shield
Cancer Information Service
CanHelp
CDC National AIDS Clearinghouse
Centers for Disease Control and Prevention
Central Registry Depository (CRD)
Choice in Dying
Commerce Clearinghouse (CCH)
Community Health Accreditation Program
Comprehensive Loss Underwriting Exchange (C.L.U.E.)
Conference of Funeral Service Examining Boards
Consumer Credit Counseling Services (CCCS)
Disability Determination Services (DDS)
Eldercare Locator Service
Employment Standards Administration, Wage and Hour Division (U.S. Dept. of Labor)
Equal Employment Opportunity Commission
Federal Housing Administration (FHA)
Foundation for Hospice and Homecare
Funeral and Memorial Societies of America
Gentle Closure
God’s Love We Deliver
Health Care Financing Administration (HCFA)
Health Resources
Hospice Association of America
I Can Cope program (American Cancer Society)
Institute of Certified Financial Planners (ICFP)
Insurance Institute for Highway Safety
International Association for Financial Planning (IAFP)
International Association for Medical Assistance to Travelers (IAMAT)
International Society of Appraisers
International Traveler’s Hotline
Internet Cremation Society
Job Accommodation Network (JAN)
Johnson O’Connor Research Foundation
Joint Commission on Accreditation of Health Care Organizations
Legal Aid Society
Legal Services Corporation
“Look Good … Feel Better” program
Medical Care Volunteer Ombudsman Program
Medic Alert Foundation
Medical Information Bureau (MIB)
National Academy of Elder Law Attorneys
National Anatomical Service
National Association for Home Care
National Association of Claims Assistance Professionals, Inc. (NACAP)
National Association of Insurance Commissioners (NAIC), Model Act and Regulations
National Association of People with AIDS
National Association of Personal Financial Advisers
National Association of Professional Private Geriatric Care Managers
National Association of Securities Dealers (NASD)
National Association of Social Workers
National Cancer Institute
National Coalition for Cancer Survivorship
National Committee for Quality Assurance (NCQA)
National Committee to Preserve Social Security and Medicare
National Council on Patient Information and Education
National Earthquake Information Center
National Emergency Medicine Alliance
National Federation of Paralegal Associations
National Foundation for Consumer Credit
National Foundation of Dentistry for the Handicapped
National Health Information Center
National HomeCaring Council
National Hospice Organization
National Institutes of Health
National Legal Aid and Defender Organization
National Multiple Sclerosis Society
National Network of Libraries of Medicine
National Organization of Social Security Claimants Representatives
National Practitioner Data Bank
National Safety Council
National Self-Help Clearinghouse
Neptune Society
Nutrition and Supplemental Food Programs
Occupational Safety and Health Administration
Office of Alternative Medicine
Office of Disclosures (IRS)
Office of Hearings and Appeals (SSA)
Office of Managed Care of the Health Care Financing Administration
Office of the Long-Term-Care Ombudsman
Pension and Welfare Benefits Administration
Pension Benefit Guarantee Corporation (PBGA)
People’s Health Society
People’s Medical Society
Pharmaceutical Manufacturers Association
Planetree Library
Plan for Achieving Self-Support (PASS)
Public Citizens Health Research Group
Public Health Service
Public Health Service Agency for Health Care Policy and Research
Registry of Financial Planning Practitioners (IAFP)
Right Choice, Inc.
Securities and Exchange Commission
Securities Investors Protection Corp.
Society for the Advancement of Travel for Handicapped (SATH)
Travel Guard International
Treatment Data Network
United States Tour Operators Association (USTOA)
organ transplant, resources
out of contract, insurance payment for home care attendants
outpatient services
outplacement services
overdraft protection, on checking account
over-the-counter drugs
ownership, legal consequences of various forms of
own occupation coverage (disability)
pain
resources
pain medication
pallbearers
paralegals
parents, issues about revealing your condition
parking spots, for disabled
participating physicians
and Medicaid
and Medicare
part-time work, while on disability leave
patient advocates
in hospitals
patient representatives
in hospitals
Patient Self-Determination Act
patients’ rights
pawnbrokers
payment for health needs, while abroad
payment plans, for creditors
pay on death accounts
peer review organization (PRO)
penalties
for tax filing mistakes
penalty period
pension plans. See retirement plans
Pepto-Bismol
performance reviews
permanent life insurance
personal articles floaters
personal care attendant
Personal Earnings and Benefits Estimate Statement (Social Security form SSA-7004)
personal emergency funds
personal injury protection, automobile insurance
personal interest, deductibility of
personal property
as collateral for loan
designated beneficiaries of
selling
pets
insurance for
phantom charges, hospital
pharmacies and pharmacists
choosing
phone trees
physical appearance
of nursing homes
and sense of well-being
physical health, being informed about
physical matters, advance preparation for, upon incapacitation
physical therapy
physicians. See doctors
placebos
planning for disability
long-range
short-range
plasma expanders
point of service plans (POS)
health insurance managed care plans
policies, proof of existence of
positive attitude
and support groups
potency, protecting
power of attorney
preapproved credit
prearranging, for funeral
pre-authorization, of emergency rooms care
preexisting conditions
and managed care health insurance plans
preferred-provider organizations (PPOs)
managed care health insurance plans
premiums, Medicare and private health care
preneed designation of guardian
preoperative testing
prepaid legal services
prepayment, of funeral expenses
prepayment fee, on mortgage
preplanning funerals, resources
prescription drugs
in nursing homes
and taxes
presumptive disability
for Supplemental Security Income (SSI)
primary care physician (PCP)
choosing
managed care organizations
privacy
Privacy Act
private transportation
privileged information
privileged relationships
proactive, vs. reactive behavior
probate
bypassing
period
professional advice, on investment planning
professional organizations
professional tax preparers
representation by, at audit
profit-sharing plans
loans against
withdrawals from
property-damage liability, automobile insurance
property insurance
and rentals
property tax deferral programs
prostheses
protocol design
Prudential Savings Bank
psittacosis
psychiatrists and psychologists
public access information
public accommodations
public adjusters
public hospitals
public housing
publicity
as advocate in claims appeal
as advocate in complaint matters
public transportation
Puerto Rico
Qualified Medicare Beneficiary (QMB)
qualified retirement plans
and withdrawals from
Qualified Working Disabled Individual (QWDI)
qualifying event
quality of life
radiation therapy
rated premiums
ratings, of insurance companies
rating services
real estate. See real property
real estate agents
real property
advantages and disadvantages of owning
closings
as investment
loans against
purchasing
selling
taxation of, upon death
uses of
real return, on investments
real-time computer conferencing support groups
reasonable accommodation
and leave of absence
reasonable and necessary fees, and health insurance
receipt of claim, when submitting application for Supplemental Security Income (SSI)
reciprocity agreements, between states
reconsideration, of disability determination by Supplemental Security Income (SSI)
recurrent disability provision
reevaluation, of disability status
references, file of
referral legal plans
refusal of treatment (patient)
refusal to treat (doctor)
registered dietitian (RD)
registration of title
of assets
registry, of attendant care providers
rehabilitation. See also retraining
Rehabilitation Act
rehabilitation benefits
rehabilitation counseling
rehabilitation programs
vocational
rehiring, after disability
reimbursement for expenses, taxes on
relationships
relaxation
release forms, vs. privacy
religious values
relocating
remainder interest
remains, disposition of
rental
of an apartment, right to adapt space to disability
of a car, insurance matters
definition of
of medical equipment
of real property
of real property, protection from discrimination in
rental income
rental insurance
replacement cost basis
reptiles, as pets
reserve, in auctions
residency (U.S.), and disability
residency training, of doctors
residents, of nursing homes, condition of
residents (physicians-in-training), in hospitals
resources
for benefits advice
of information on medical health
respirators
respiratory arrest
respite care
résumés, preparation of
retainer agreements
retirement age
retirement planning
tips
retirement plans
benefits from, and nursing home payments
and changing jobs
early withdrawal of, as income
employer-sponsored
government-sponsored
individual-sponsored
inheritance of
loans against
as source for disability income
taxation of, upon death
and taxation regulations
trust as beneficiary of
types of, overview
uses of
withdrawals from
retirement savings plans
retraining
payment programs for
vocational, state programs
See also rehabilitation
return
in annuities
on investments
returning to work, after disability leave
return-to-work provision
revealing your condition
reverse mortgages
resources
revocable, vs. irrevocable
revocable living trusts
resources
Rhode Island
rights
of access regarding medical records
to emergency medical care
as hospital patient
at nursing homes
as patient, and disputed bills
regarding treatments
to withhold medical information
rights of survivorship
and wills
risk
in annuities
and investment strategy
in owning real property
risk contract (MCO)
rollovers
of IRAs, upon death
of retirement funds
Roth IRA
rule of half
safe-deposit boxes
disposition of, upon death
safe sex
safety, in nursing homes
salary, and new job
salary continuation programs
sale leasebacks
sale of the remainder, life insurance
sales, of real property, protection from discrimination in
Save-a-Life
Savings Bank Life Insurance (SBLI)
salability of
Scholen, Ken
school insurance
S corporations
second opinions
secured credit card
SecureTax
Seeing Eye dog exception
self-employment
deduction of medical insurance premiums by
disability income coverage for
and health plans
and life insurance
and SDI
self-funded purchasing companies
self-help groups
Senate Aging Committee
SEP (IRA)
loans against
Servicemembers Group Life Insurance policies (SGLI), salability of
severance package, when changing jobs
sex
safe
sex partners
sexual orientation, employer discrimination based on
shame
shielding, of assets, to qualify for Medicaid
short-term disability insurance
sick days
sick leave pay
SIMPLE (IRA)
simple wills, writing yourself
simplified issue, of life insurance policy
single-family funds
site visits, to nursing homes
1634 states
skills testing
skin changes
small business owners, disability income coverage for
small claims, property and casualty insurance
small claims court
smoking programs, deductibility as medical expense
Social Security Administration
incentives to return to work
informing about returning to work
list of primary care doctors and specialists
Social Security benefits
applying for
burial benefits
retirement planning with
state taxes on
Social Security card
Social Security Disability Income Retirement benefits, effect of sale of life insurance coverage on
Social Security Disability Insurance (SSD)
and accelerated death benefits
documentation necessary for application for
and equity conversion proceeds
incentives to return to work
and loans
non-attachable
and nursing home payment
and returning to work
taxes on
Social Security Retirement Benefits
Social Security taxes (FICA)
social workers
software programs
nutritional advice
tax
specialists
as primary care physician
special needs trust (supplemental needs trust)
Specified Low-Income Medicare Beneficiary (SLIMB)
speech-impaired, telephone services for
speech therapy
spending down
spending money, smart management of
Spina Bifida Hotline
resources
spiritual advisers
spouses
and COBRA continuation of disability coverage
life insurance policies obtainable from employment of
and Medicaid
SSD benefits to
and wills
springing powers
Standard & Poors
standby guardian
state laws, on advance directives
state programs
for retraining and educational programs, vocational
state taxes
statutes of limitations
statutory fees
steam rooms
steering
stepped down basis
stepped up basis
step-rate premiums
sterility
sterilization, of syringes abroad
stockbrokers
stocks, as collateral for loan
stress reduction
student loans
paying off
students
with disabilities
obtaining life insurance
subsidized employment
substantial gainful activity
successors, of executors
suicide exclusion period
suing, over job discrimination
supermarket funds
supplemental needs trust (special needs trust)
Supplemental Security Income (SSI)
and accelerated death benefits
documentation for
and equity conversion proceeds
incentives to return to work
and loans
non-attachable
and nursing home payment
qualifying for
and returning to work
taxes on
support, definition of term
support groups
for caregivers
types of
support team
choosing members of
making changes in
surgery
syringes
tag sales
tax deductions
tax-deferment
of employer-sponsored retirement plans
in retirement savings
tax-deferred retirement accounts, and living trusts
taxes
and accelerated death benefits
advantages in, from real property ownership
and annuities
assistance in preparing
and barter
on capital gains
cheating on
and debt
deductibility in retirement plan investments
deductibility of employer-sponsored retirement plans
and deductibility of health insurance premiums
and durable power of attorney
on gifts
on group disability income
and home equity conversion
and household attendant care
on individual disability income
on investments
and long-term care
on long-term-care services
minimizing
on mutual funds
nonprotection from, in revocable living trust
on assets, upon death
on inherited retirement plans
and over-the-counter drugs
paying off
and prescription drugs
on qualified retirement plan withdrawals
and rental of real property
on salary continuation benefits
and sale leasebacks
on SDI
on self-employed disability income
and Social Security Retirement Benefits
on SSD
on SSI income
state
and viatical settlements
withholding, on employer-paid disability benefits
on workers compensation
tax-exempt organizations
tax-favored retirement plans
withdrawals from
tax fraud, fines for
tax identification number, of living trusts
tax penalties, and withdrawals from retirement plans
tax refunds
tax returns
filing
teaching hospitals
teaching institutions, donating body to
telephone evaluation, of nursing homes
telephone services, for hearing and speech impaired
telephone support groups
temporary employment
terminal illness benefit
terminal illness free surrender clause
terminal illness waiver
terminally ill individual, definition of
term life insurance
testamentary capacity
testamentary trusts
tests, in hospitals
Texas
therapists
third-party guaranty, at nursing homes
time deductible
time frame, and investment strategy
time limits, financial
time zones
timing
of leave
title
automatic transfer of
and wills
See also registration of title
Title XVI states
total return, on investments
Totten Trusts
towing insurance
trade unions, burial benefits
training and certification, of doctors
trains
transfers
of assets to qualify for Medicaid
to a new credit card account
in retirement plans
transition (recovery) benefits
transportation
choices in means of
deductibility of, as medical expense
public and private
to and from medical appointments
travel
deductibility of, as medical expense
interstate
and advance directives
and Medicare
and Medicare managed care
resources
travel accident insurance
travel agents
Travel Career Development Diploma
travel insurance
treatments
costs of
evaluating
information on the Internet
information resources
patient knowledge/curiosity about
refusal of (patient)
various, deciding to undergo
triage
trial work program
True Net Pay
true return, on investments
trusts
generally
to hold child’s property
and tax minimization
See also specific kinds
Truth in Lending Act
TurboTax
209(b) states
umbrella insurance coverage
under twenty-two years old
underwriting
undue hardship
and leave of absence
unemployment
unemployment insurance, state programs
Unified Gift-Estate Tax Amount
Unified Gift-Estate Tax Credit
Uniform Gifts to Minors Act
Uniform Transfers to Minors Act
uninsured-motorist property damage insurance
United Kingdom
Universal Donor Law
unlimited marital deduction for spouses
unmarried partners, visitation rights
unnecessary expenses
unpaid leave
unproven medical treatment
unqualified retirement plans
utilities, paying
vacation days
valuation, of personal property
values and beliefs
variable rate annuities
vehicles, borrowing
vested retirement funds, rolling over
vesting
veterans
benefits, effect of sale of life insurance benefits on
cost of burial
health benefit
and Medicare
pensions
Veterans Administration
burial benefits
hospitals
mail order pharmacy of
Veterans Group Life Insurance (VGLI)
salability of
viatical settlements
federal regulation of
providers
state regulation of
taxes on
videotape, of will preparation and signing
violations, technical, of the rules
visiting nurses
vocational training programs
volunteering
while on disability leave
waiting periods
waiver of premiums
waiver services
wasting
water
information resources
testing of
while traveling
weight control, deductibility as medical expense
White, Ryan, program
wigs
wills
challenges to
changing
vs. living trusts
necessity of
resources on preparation of
vs. revocable living trusts
revoking
substitutes for
where to keep
withdrawals
from retirement plans
witnesses
to wills
workers compensation
burial benefits
state programs
taxes on
working on loan
worrying
wraparound mortgage
wrongful acts
X rays, dental
X-ray therapy
yard sales
yield, on investments
Y-Me Wig
yoga