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Nov. 23, 2009
JWisdom.com: Actually, it really is all about you with Rabbi Lawrence Hajioff
Nov. 20, 2009
Rabbi David Aaron: How to make every second of your life come first
Caroline B. Glick: Whither American Jewry
Nov. 19, 2009
Binyamin L. Jolkovsky: Please Listen to this Godcast (5 minutes)
Jonathan Tobin: ADL Crosses the Line with Report Bashing Obama Critics
Nov. 18, 2009
Rabbi Yonason Goldson: What Judaism has to say about the secret of the Mona Lisa's smile
JWisdom.com: The (Jewish) Dating Game with Rabbi Lawrence Hajioff (8 minutes)
Nov. 17, 2009
Steven Emerson: How Does the 4th Amendment Impact Terror Finance Investigations?
JWisdom.com: If Frank Sinatra married Edith Piaf with Rabbi Y.Y. Rubinstein (2 minutes) Life lessons from what would be regarded as the most inappropriate lyrics ever sung
Nov. 16, 2009
The Jewish Ethicist by Rabbi Dr. Asher Meir : When borrowing is stealing
JWisdom.com: Deconstructing faith with Rabbi Warren Goldstein (9 minutes)
Nov. 13, 2009
JWisdom.com Sarah's subjective reality with Rabbi Sroy Levitansky ( 6 minutes)
Caroline B. Glick: Obama's failure, Netanyahu's opportunity
Nov. 12, 2009
The Kosher Gourmet By Marialisa Calta : A sweet sweet potato treat
JWisdom.com Does God get tired? with Rabbi Harvey Belovski ( 5 minutes)
Nov. 11, 2009
Rabbi Avi Shafran: Jews and money: When anti-Semitism isn't
JWisdom.com Marriages are not made in Heaven with Rabbi Lawrence Hajioff (VERY fast 15 minutes)
Nov. 10, 2009
Michael Doyle: Author of book exposing CAIR ordered to remove supporting documents from Web
JWisdom.com If the creation so loudly shouts the existence of the Creator, why aren't more people believers? with Rabbi Naftali Brawer (9 minutes)
Nov. 9, 2009
Mark Steyn: Shooter exposes hole in U.S. terror strategy
JWisdom.com It's never too late to have a happy childhood with Sarah Chana Radcliffe (5 minutes)
Nov. 6, 2009
Rabbi Berel Wein: Choosing to hear
JWisdom.com Zero to 1/60th: How to Empower An Hour with Gavriel Aryeh Sande (7 minutes)
Caroline B. Glick The mullahs' big week
Suzanne Fields A Fallen Wall for Fallen Man
Nov. 5, 2009
The Kosher Gourmet: Three scrumptious -- but simple -- butternut squash dishes
JWisdom.com Hidden Hints: Unlocking Faith & Prayer with Rabbi Jay Yaacov Schwartz (10 minutes)
Nov. 4, 2009
Tom Hamburger and Kim Geiger: Should prayers be covered?
JWisdom.com When God played peacemaker With Rabbi Sroy Levitansky (5 minutes)
Nov. 3, 2009
Martin Peretz: Beware, Barack. Beware, Rahm. Beware, Axelrod
JWisdom.com Are you are closet idolater? With Sara Yoheved Rigler (10 minutes)
Nov. 2, 2009
Paul Greenberg: The Holocaust is now on Facebook
JWisdom.com Abraham's Strange Change With Rabbi Yitzchok Fingerer (5 minutes)
Oct. 29, 2003
Mortimer B. Zuckerman: Graffiti On History's Walls (MUST-READ!)

Jewish World Review Sept. 10, 2007 / 28 Elul, 5767

Til poverty do us part

By Jan L. Warner & Jan Collins


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http://www.JewishWorldReview.com | Recently, a reader wrote in about his 68-year-old wife. She had been the breadwinner in her household, and she suffered a stroke that left her unable to swallow or communicate. She was being tube fed. In her name are $100,000 in savings, the house and $230,000 in an IRA. The 70-year-old husband of 44 years is a diabetic with very little savings and no pension.


She did not sign a power of attorney, and he is unable to access the funds in her name to either pay the $7,000 per month it costs to maintain her in a nursing home or pay his expenses. When he filed a Medicaid application, he was told that, as a couple, they had too much money.


Because she hadn't signed a power of attorney, he was forced to bring guardianship and conservatorship actions in the probate court, but he wasn't allowed to make transfers to himself of the residence or bank accounts because two of their three children, who have been estranged for years, objected to anything coming out of their mother's name. He was placed on a budget and allowed to live in the home that he and she had occupied, but he did not have enough money to be able to continue living in the house.


After discussing how long-lost children can come out of the woodwork to add to the difficulties, we suggested that since inter-spousal transfers are allowed as a matter of public policy by Medicaid, not allowing transfers of the wife's assets to him might well be a denial of rights under the equal protection clauses of the United States and their state constitution.


And we suggested that, at a minimum, the residence should be transferred to him based upon Medicaid's minimum and maximum amounts of countable resources that can be set aside to the "spouse in the community."


In these types of situations, more and more seniors are turning to matrimonial actions, rather than probate court actions, as a better way to protect both spouses. While the Nursing Home Reform Act of 1987 addressed the concern of clergy and politicians who saw seniors divorcing so both did not become destitute, those who enacted the February 2006 DRA (Deficit Reform Act) did so with little foresight or idea of how this draconian act would affect the middle-class "American Family," to which politicians give lip service but no substantive solutions.


For more and more seniors, "'til death do us part" has morphed into separation and divorce when nursing home costs run from $5,000 a month to more than $12,000 monthly, depending on where you live. To allow all — or the vast majority — of family resources to be spent on nursing-home care takes away from the ability of the healthy spouse to live.


Regardless of your opinion on this topic, allowing community spouses to become dependent upon children or other family members is inappropriate. Yet, increasing divorce rates among our seniors is upon us. And in a large number of these actions, elderly citizens are facing the extensive costs of long-term care.


It is truly a sad commentary that some elderly couples today are forced to divorce in order to survive financially and continue their lives.


Those who chastised seniors for getting divorced under these circumstances are the same "experts" who now sit idly by and watch government waste proliferate. Indeed, seniors who get divorced in order to maintain themselves financially are maligned, while those who steal tens of millions of dollars from the Pentagon and go undetected for nearly a decade quickly become yesterday's news.

Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

JAN L. WARNER received his A.B. and J.D. degrees from the University of South Carolina and earned a Master of Legal Letters (L.L.M.) in Taxation from the Emory University School of Law in Atlanta, Georgia. He is a frequent lecturer at legal education and public information programs throughout the United States. His articles have been published in national and state legal publications. Jan Collins began co-authoring Flying SoloŽ in 1989. She has more than 27 years of experience as a journalist, writer, and editor. To comment or ask a question, please click here.

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