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Older Lesbian, Gay, Bisexual, and Transgender Individuals Face Special Challenges in Economic Security and Health Care

By Alfred J. Chiplin Jr., Natalie Chin, Kimberley Dayton, Daniel Redman & Gerald A. McIntyre

The income insecurity of low-income lesbian, gay, bisexual, and transgender (LGBT) seniors and its effects on accessing health and long-term care services, pensions, and other retirement income are difficult obstacles. Medicare, Medicaid, and social security rules apply to all seniors, but limited income, disability, and lack of caregiver support or recognition of that support exacerbate difficulties for LGBT seniors. The treatment of couples in the Supplemental Security Income program, however, results in preferential treatment of LGBT elders compared to their heterosexual counterparts. Undue hardship waivers in the Medicaid transfer-of-assets and estate-recovery contexts may be helpful as well.

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