Celebrating 28 years of service to seniors and the disabled.

Annuity Considerations:

Because the Treasury Department gave approval in 2014 for the use of an annuity called a QLAC (pronounced “Q-lack”), which stands for qualified longevity annuity contract, this insurance product is being heavily marketed to seniors. Basically, it’s a contract that allows a person to put up to 25% or $125,000 (whichever is less) of traditional IRA or 401(k) funds into an annuity without the purchase of the annuity being a taxable event.(Distributions from the QLAC are taxable.) However, what seniors are not being told in this marketing effort is that this annuity may still be a countable resource when making application for Medicaid/TennCare assistance, and the requirement to cash it in may result in significant penalties and surrender charges. Whenever you are considering purchasing a financial product that requires a long-term contract and/or commitment we recommend that you discuss such purchase -and all of its possible consequences - with your elder law attorney.

If You've Had a Recent Property Transaction - Beware

Please read this letter made available to us by Tracie Littleton, Register of Deeds for Loudon County.

A Message from the Social Security Administration, Office of External Affairs

Dear Colleague:

In December, I wrote to tell you about some upcoming changes to the services we provide at Social Security offices across the country. Based on feedback we received from many of our stakeholders, we decided to delay the implementation of these changes to later in the year.


Social Security Increases Are Historically Small This Year

For the second straight year, millions of Social Security recipients, disabled veterans and federal retirees can expect historically small increases in their benefits come January.


How Not to Die

Angelo Volandes's low-tech, high-empathy plan to revolutionize end-of-life care.


Certification Note


Certified as Specialists in Elder Law by the National Elder Law Foundation.