Margaret Madison Phelan P.S., lawyers in Vancouver, WA, Washington

Housing - Who Pays For Home Care Services? - Private Third Party Payors

Three methods of payment for home care services are available to America's elderly population: self-pay, public third-party payors, and private third-party payors. If home care services are not paid by third-party payors, the patient must pay for the services. This is known as self-pay. More...

State Guaranty Associations

Generally, all commercial insurers that are licensed by a state to issue annuity policies or contracts must be members of the state's insurance guaranty association in order to conduct business in that state. There are insurance guaranty associations in all 50 states, the District of Columbia, and all United States territories.More...

Employment - Veterans -Miscellaneous Benefits of Federal Government Employment to Veterans

In addition to receiving benefits in hiring and reductions in force, qualifying veterans, known as preference eligibles, receive many other benefits in federal government employment. These benefits include the restriction of some federal jobs to preference eligibles, lifetime eligibility for reinstatement, and the receipt of certain noncompetitive appointments. More...

Concerns about Variable Annuities

An annuity may be a wise investment because it can pay income to the annuitant for the rest of his or her life. The amount of that income can be fixed or variable. In a fixed annuity, the income payment is typically guaranteed. In a variable annuity, the income amount will fluctuate based on the performance of the investment portfolio. More...

Employment - Veterans - Service Credit for Federal Government Veterans' Benefits

Among the benefits veterans receive while working for the federal government are leave and retirement benefits. Veterans also receive certain preferences as a result of their status during reductions in force, and they may receive severance pay when separated from service.More...