In past blogs, I have written a lot about Work Incentives offered by Social Security and Medicaid to workers with disabilities. The Work...

Labor Day celebrates the working person and, it might seem to a visiting alien, the fact that all that money we earn from working needs...

If you have a child with a disability, you very probably need to consider permanent life insurance rather than just term insurance. This...

My son loves to play Minecraft®. It’s one of his video games to which I object the least because it does encourage creativity. If only...

Everyone wants to obtain the maximum 100% of anything for which they are legitimately eligible. A popular discount chain used to run a...

Those of you now in the position to be planning for the young-adult phase and the adulthood of your child with special needs are probably...

How many of us really think that that plain slice bread really is the greatest thing? For most of us, adding meat, cheese, creamy...

On January 1, 2014, like many states, Illinois expanded Medicaid under the Affordable Care Act (aka “Obamacare”). The ACA Medicaid...

Although the only generic answer to most financial planning questions is “It depends”, because every client’s situation is multi-faceted...

This morning, I received a call from this phone number: 443-674-8443. I did not see the caller ID since I answered hands-free while...

“Elbert, are you ever going to retire?” I asked one of my good friends and a co-founder of the L’Arche-Chicago Community[i]. “Nope,” he...

There is a popular radio ad featuring a “life hacker”. In addition to using the parking app that the ad is selling, the life hacker is...

Pool /pool/ n. 1) a small area of still water, formed naturally or artificially, sometimes used for swimming, 2) a common fund into which...

Sometime in third or fourth grade, most of us learned about the order of "person" in the grammarian sense. First-person pronouns are "I",...

For those of us old enough to remember, there is a classic Sesame Street skit in which Ernie buys some bread for himself to eat, along...

From the perspective of someone like me who screens for financial posts, the Internet is full of anecdotes and data about how little how...

Elements of government programs frequently confound the "duck test." Generally, if it looks like a duck, walks like a duck, and swims...

“Substantial Gainful Activity” or “SGA” is a significant threshold for anyone with a disability, who wants to qualify for government...

If you remember the story, Goldil ocks took a lot of time in the home of the three bears, finding the right fit for everything. One bed...

Impairment Related Work Expenses (IRWE, pronounced "ur wĕ") are a work incentive category that people who receive Social Security...