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George Kozol

Kozol Asset Protection

George Kozol

Kozol Asset Protection

George Kozol

Kozol Asset Protection

Attorney Kozol works exclusively in the areas of asset protection and estate and tax planning, in general and in the context of Medicaid eligibility. These areas of law can be quite complicated, which means that individuals looking for this type of planning will be better served by working with an attorney with many years of relevant experience 

Attorney Kozol is one such attorney. He has over 30 years of experience in the areas of asset protection, estate planning, and income tax planning. These years of experience mean that he can bring an array of asset protection, estate planning, and tax planning ideas to address your specific needs and concerns.

In delivering legal services attorney Kozol strives to keep his overhead low. He does not have an exquisite office, support staff, or significant advertising budget. Instead, he leases space and support serves on an as-needed basis and he relies on online specialists, such as Elder Law Answers, for advertising. By keeping his overehad low he is able to offer affordable fees to his clients. 

Firm Description

Attorney Kozol specializes in addressing the legal needs of older Floridians. These needs center around: (1) protecting the client's assets and income for the client's benefit and for the benefit of his or her spouse, and (2) protecting and preserving the client's estate for the benefit of his or her spouse, children and, in some cases, grandchildren.  

Protecting assets and income can include making use of creditor protection afforded by state law for certain assets, such as IRAs, 401k plan balances, a personal residence and some commercial annuities. In an estate planning context, asset protection and preservation include making use of a will, a revocable trust, a durable power of attorney, various health care documents and for some an irrevocable trust.

In a Medicaid eligibility context, asset protection involves some combination of: a"Miller" trust, intrafamily gifts made via an irrevocable trust and coordinating the funding of the trust with the 5 year look back rule, a Medicaid qualified immediate annuity and a personal care contract. 

Medicaid eligibility is often easier to achieve for married clients because the Medicaid program provides a greater asset and income allowance for the spouse of a Medicaid applicant than is provided for an applicant who is single.   

Attorney Kozol strives to offer custom legal solutions that address the particular needs of each client. 

Hours

Day From To
Monday By Appointment Only
Tuesday By Appointment Only
Wednesday By Appointment Only
Thursday By Appointment Only
Friday By Appointment Only
Saturday By Appointment Only

Cost

What Is an Elder Law Attorney?

Main Office

The Brooks Executive Suites
9990 Coconut Road
Bonita Springs, FL 34135

On the web

View Firm Website

Social Media


Medicaid 101
What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

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How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

READ MORE
How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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Medicaid Planning Strategies

Careful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.

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Estate Recovery: Can Medicaid Take My House After I’m Gone?

If steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.

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Help Qualifying and Paying for Medicaid, Or Avoiding Nursing Home Care

There are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.

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Are Adult Children Responsible for Their Parents’ Care?

Most states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.

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Applying for Medicaid

Applying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.

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Alternatives to Medicaid

Medicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.

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ElderLaw 101
Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

READ MORE
Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Long-Term Care Insurance

Understand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.

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Medicare

Learn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.

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Retirement Planning

We explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.

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Senior Living

Find out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.

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Social Security

Get a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.

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Special Needs Planning

Learn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.

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Veterans Benefits

Explore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.

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