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"Living Benefits" for the Insured, Terminally Ill Client

A Remarkable New Resource with Tax, SSI, and Medicaid Implications

By David Petersen & Thomas McCormack

Little-noticed outside of the AIDS service and advocacy community, an imaginative "viatical settlements" industry has emerged, offering accelerated benefits to terminally ill insureds with time-limited life expectancies (typically six months or less); this article discusses process of obtaining viatical settlements, as well as the tax, SSI, and Medicaid implications of such payments.

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