Estate of Chicago Cubs’ Ernie Banks

In the weeks following the death of Chicago Cubs shortstop Ernie Banks, it was apparent that the Banks family faced unwanted surprises and challenges. Bleacher Report columnist Tim Daniels writes that Banks’ estate was revealed to hold only $16,000 in assets, much less than expected. Additionally, Banks, in his declining health, signed a new will three months before his death, directing his estate to his caretaker instead of his family. The mourning family and other individuals involved are trying to understand how the situation came to be and where the money went.

Recently, news broke that the costs of Ernie Banks’ funeral have gone unpaid, and the provider of the service has filed a claim, effectively adding to the legal strife. Upon hearing this news, the Chicago Cubs committed to cover the $35,000 claim, as an effort to alleviate some of the burden on the Banks family.

“Thank You!”–Mahalo v. First Citizens Bank and Trust Co.: Georgia Court of Appeals Gives Us The Good, The Bad, and The Ugly…

Forbes has just published a new article written by our colleague and nationally reknowned asset protection guru, Jay Adkisson wherein Jay analyzes the Georgia Court of Appeals new decision Mahalo Investments III, LLC v. First Citizens Bank and Trust Co. (Feb 19, 2015). Mahalo had two members: Epstein and Kelly. The two members lost a $3 million judgment to the creditor, First Citizens Bank (“FCB”). FCB then followed the well-known Georgia statute to obtain a charging order, OCGA 14-11-504(c). That’s where Mahalo takes off into a new, but not unforeseen (at least as to Jay) direction .

The Good

Mahalo reaffirms the robustness of the Georgia LLC Act in that it point-blank states that creditors do not get to take over management of a LLC merely by virtue of obtaining a charging order. Creditors are limited to the status of an assignee insofar as the members’ interests in distributions to be paid by the LLC. As for the LLC, it’s “business as usual.” For the debtor member(s), the creditor stands in their shoes for any distributions made by the LLC, and the latter is to make such distributions to the creditor, not the debtor-member. Otherwise, the LLC is faced with making two distributions, one mistakenly to the debtor-member and the other will be compelled to the creditor holding the charging order. Then, the LLC is left to recoup the wrongfully paid distribution from the debtor-member. Of course, the aggrieved creditor could go after either. But, the easiest target is the LLC who basically would be in contempt of court for failing to obey the court-issued charging order.

The Bad

Mahalo breakes the silence that previously existed in the area of  whether a creditor must file separate lawsuits to obtain charging orders on other LLCs of which the debtor is a member. You see, Epstein and Kelly held member interests in other LLCs who weren’t named parties defendant in the Cobb County State Court suit instituted by FCB; FCB sued only Epstein, Kelly, and Mahalo Investments III, LLC. The Court of Appeals upheld the State Court’s issuance of charging orders against the other LLCs despite FCB having not named them in the original suit, nor having brought “collateral” actions against the other entities. The Court of Appeals interpreted OCGA 14-11-504(c) to mean only that the creditor must bring a “proceeding” in the sense of an Application for Charging Order in the State Court. Here, FCB had brought a “proceeding” in the form of its Application for Charging Order in State Court. Ergo, the Court of Appeals held that FCB had complied with 504(c)’s requirement merely by filing its Application for a charging order. The charging order applies to the debtor-member, not the LLC. So, the creditor obtains an assignee interest in any interest held by the debtor-member in any LLC of which the debtor may hold a member interest, regardless of whether the creditor has named that LLC in the action. Once again: the creditor need NOT institute separate proceedings for the charging order to reach each company/entity interest held by the debtor-member.

The Ugly

Debtor-appellants also argued that the Georgia State Court was not “a court of competent jurisdiction” because the Georgia State Court did not have personal jurisdiction over the LLCs whose interests were charged. Citing Bank of America BAC -1.71%, N.A. v. Freed, 983 N.E.2d 509, 520–521 (Ill.App.Ct.2012), the Georgia Court of Appeals reasoned that the only jurisdiction required was that over the debtor-member. Extending its logic from the preceding argument, Mahalo holds that so long as the State Court held proper jurisdiction over the debtor-member, the charging order reaches any other LLC member-interest the debtor holds, regardless of whether that entity is a Georgia LLC or even transacts business in Georgia. Reiterating the good news that the charging order gives a creditor NO management rights in the LLC, the Court of Appeals held “that under Georgia’s limited liability company act, it is only necessary for a court to have jurisdiction over the judgment debtor to have the authority to enter charging orders against the judgment debtor’s interest.”

If you think I’m being repetitive now, it’s for good reason. As Jay has been preaching for years now, the asset protection industry has marketed the concept of LLCs formed in other jurisdictions with more favorable debtor statutes concerning creditor remedies as having an advantage over other states. Mahalo now clearly establishes precedent that creditors will be deterred only by the extent of the court’s personal jurisdiction over defendant debtor-members and the domiciliary jurisdiction’s charging order statutes, and NOT those of the entity’s domicile jurisdiction. Stated another way, those Wyoming, Nevada, Alaska, Arizona, Delaware and other jurisdictions lawyers have marketed as having better charging orders than Georgia are of no value so long as the creditor may sue the debtor-member here in Georgia. Undoubtedly, creditors will use this precedent across the nation to circumvent those other states’ statutes previously thought to be more advantageous to debtors.

Jay Adkisson has written a well-thought out analysis in these areas. It’s worth a read and you can find it here. The full case may be read at:  Mahalo Investments III, LLC v. First Citizens Bank andTrust Co., Inc., 2015 WL 687922, ___ S.E.2d _____ (Ga.App., Feb. 19, 2015). Full opinion at

Moving Forward

Just to leave you with a positive feeling: Georgia’s freedom of contract principle remains alive and well in its LLC Act. The well-drafted LLC Operating Agreement will save more skin and provide better bang for the buck in the long run than an attempt at and “end-around” play using another jurisdiction’s LLC statutes to try to avoid creditors. Probably at least as many problems arise between members than between creditors and LLC members. The well-crafted LLC Operating Agreement may provide a better playbook to avoid bad business decisions being made in the first place and thus avoid the creditor problem before it leads to the company and its members being sued in state court. If drafted and executed properly, it may well prevent the members from remaining in the lawsuit and losing a judgment to the creditor in the first place.

Need to have your Operating Agreement reviewed or updated? Thinking of forming a new LLC? The formation documents with the Secretary of State’s Office is only the beginning. Remember: the pain of low quality is remembered long after the pleasure of low price has been forgotten. Give us a call at 404-602-0040, you’ll love doing business with WR Nichols Law!

Medicaid Ranks Highly Among Americans in Poll

A New York Times article from October 9, 2014 reports high satisfaction level from low-income people in three Southern states who use Medicaid.  Respondents preferred Medicaid over private insurance.  The study of residents of Arkansas, Kentucky, and Texas, found those surveyed preferred Medicaid compared with private coverage as the former offered better “quality of health care” and made them better able to “afford the health care” they needed.  This is the same result reached by repeated surveys showing the program, much maligned as a political target as being substandard, is quite popular among the people who use it.    A 2011 survey from the Kaiser Family Foundation found that 86 percent of people who had received Medicaid benefits described the experience as somewhat or very positive. A slightly more recent Kaiser survey showed that 69 percent of Americans earning less than $40,000 a year rated the program important to them or their families. Medicaid’s political opponents would have you believe that its restricted list of doctors and additional red tape make it worse than being uninsured.  But, other pollsters and surveys find Medicaid ranks higher on consumer satisfaction levels than private insurance.

Kaiser’s top pollster says the Medicaid is “surprisingly popular” and has seen the program get high marks from the public for more than 10 years.  The public at large rates Medicaid highly as well, saying that Medicaid is important to them and their families.  Now covering some 67 million Americans, Medicaid is not the country’s largest health insurance program.  Moreover, a Majority of Americans support Medicaid expansion as part of the Affordable Care Act.  In fact, it’s only when compared to Medicare that Medicaid looks unimpressive, stated Robert Blendon, a public health professor at Harvard University who studies public opinion on health care issues and was a co-author on the subject recent study.

The Harvard researchers said those surveyed gave private coverage the edge when it came to seeing “doctors you want, without having to wait too long” and “to have doctors treat you with care and respect.”  But Medicaid surpassed private insurance on whether the available programs enabled respondents to “be able to afford the health care you need,” and on the overall question of “quality of health care.”

Estate Planning: The Problems of Disinheritance and Alternative Solutions (There’s always a better way)

Parents and children each have duties imposed on the other by society, custom and tradition.  After the teen years, the family mobile dynamic often becomes broken, breaking the parent/child bond, and leading to estrangement.  When carried to the extreme, vengeful or unhappy parents may seek retribution by exercising the only remaining power they have left—disinheritance.

Disinheritance may be a parental attempt to save a wayward child from alcohol or substance abuse issues.  Other issues include parental concerns over a child’s spouse, concerns that a child never properly applied him/herself, abuse issues that cut both ways, or which ultimately lead to the denial of access to grandchildren.

I posit that the choice of disinheriting a child is akin to the death penalty—one reserved for only the gravest of circumstances and wrong-doing and then only implemented after a series of appeals.  Otherwise, if there are siblings, they will have to deal with the repercussions the disinherited child will inevitably raise.  These actions will be taken towards and involve the survivors who did inherit.  Those children’s relationships with the disinherited will forever be strained until some compromise is reached or one of them dies.  Moreover, the hurt inflicted by the disinheritance becomes “permanent” in the psychological sense, and there are always more than one side to any story.  And, is that really the legacy any parent wishes to leave—that of being such an old, unforgiving, crotchety cuss that the parting shot with one foot in the grave was the ultimate “gotcha?”

The result of the ultimate “Gotcha!” or disinheritance, is that the surviving children who were received an inheritance is that they may have to buy peace by carving out an appropriate, equitable share to the disinherited child.  In that case, the parent has effectively projected his/her own problems onto another child or grandchild, instead of having the courage and character to appropriately and properly address those issues with the estranged child themselves, during their lifetime.

And, of course, the disinherited child may bring a will or trust court action to invalidate the parent’s estate plan, with the hope of receiving an intestate share equal to the other children’s shares.  Not only will the lawsuit be stressful and upsetting to the other family members, it will be particularly hard on any child who is in charge of administering the estate.  Any court action will also diminish how much is left to distribute.

Reconciliation is possible, but difficult and not a frequent outcome.   A better alternative is for the parent to finish life being as good a parent as he/she can be, and at least try to be better than the child, adult child or not, and leave some incentive there to stop the cycle from passing on to the next generation.  Several alternatives should be considered:

·        Consider reducing the inheritance until such time as when (if ever) the parent and child are reconciled;

·        Put incentives in place in a trust that would reward the desired behavior and work towards normalizing the full inheritance;

·        Leaving some or all of the child’s inheritance to that child’s own children (who may themselves be the objects of neglect or abuse).

Leaving a reduced inheritance demonstrates that the child was once a part of the parent’s life.  It also provides an incentive to the child not to contest the will or trust. The use of incentives in a trust protects the principal, yet simultaneously incentivizes the person to turn away from destructive behaviors.  The last alternative recognizes that the grandchildren are not to blame for their parent’s choices and behavior.  It prevents inadvertent punishment of the grandchildren by allowing them to be recognized in the estate while bypassing the individual who was intended to be punished.  While it is an alternative to outright disinheritance, I view it as the last gasp of an otherwise dysfunctional parent who themselves would rather take bitterness to the grave than to appropriately address their own role in the dysfunctional relationship and make appropriate provision to heal the dysfunction, such as funding psychological assistance or a rehabilitation program.

We will be happy to explore each option with you in confidence in our offices.  Just reach out and contact us to arrange a mutually convenient time to meet.

Medicare/Medicaid and the Rising Cost of Sexual Activity for Seniors

As Bill Mahr humorously, but perhaps, ineloquently stated as a “New Rule” last Friday night on his HBO show “Real Time,” the feds have been investigating the rising costs for durable medical equipment to see if certain types of equipment should be added to the competitive bidding list.  Enter the swelling controversy surrounding the penis pump, more formally known as the “vacuum erection system.”  Over the five-six year period between 2006-2011, Medicare paid an average of $451 per pump.  That left a $90 co-pay per patient with Medicare picking up the remaining 80%.  Comparatively, the VA paid only $186 for each device.  And, is anyone surprised that any average shopper could find less expensive pumps online?  Medicare purchased 473,000 pumps over the period investigated.  Predictably, there is controversy underlying adding these devices to the competitive bidding program, as many conservative groups argue that these expenditures are wasteful and detract from true “health” related expenditures.

But, perhaps we shouldn’t jump past the “health” aspects of sex so cavalierly.  Sure, in 2006 Congress barred medications like Viagra from being covered under Medicare Part D, the bill’s sponsor stating he didn’t want to have taxpayers subsidizing “grandpa’s recreational sex.”  But, there is a larger bias here that is arguably being overlooked:  the health aspects of sex in any adult human’s life.  The clear bias exists that seniors are, or should be, asexual.  Yet, how is that any different from the argument against younger, college age women who many on the left have argued should be insured for birth control pills.  It seems at some base level, Americans are just prudish at worst or giggling adolescents in general when it comes to a healthy discussion about human sexuality.  Is sex really just to procreate?  Recent studies say no and that more than half of men and 40% of women over age 65 are sexually active.

So, at least one author urges that we just insist that Medicare not get ripped off by price-gouging device suppliers and continue to cover the devices, perhaps as well Viagra and then the discussion will shift to condoms and safe sex and STD control for seniors as well as the general population.  This all in the name of health and to avoid “ageism.”  At some point, we all must address the limits the system can bear and the “Pentagon-Contractor” nature of the abuse and over-charging that is a huge source of the problems.  One thing is for sure, as millions of Baby-Boomers age into retirement, “No-Sex for Grandpa” rules probably are not going to work.

Aging Parents Can Forget to Pay Premiums Leading to Policy Lapses With Disastrous Consequences

If your older relative has a long-term care policy, photocopy the page listing the company, policy number and claims contact information. Keep the insurance company updated on new addresses, yours (if you are the third-party designee) and your relative’s. It wouldn’t hurt, if the policyholder is becoming forgetful, to check bank statements or call the company to make sure premiums are current.  One story reported by the NY Times shows the calamity that befell a Virginia family because paying the premiums slipped dad’s mind.  State legislatures seem hesitant to correct the problem by mandating insurance companies give more formal notice to policy holders or their third-party designees.

Children of Abusive Parents More Likely to Suffer Depression in Caring for Them as Elders

A Boston College study conducted from 2003-2005 shows that the impact of abuse never fades.  The study surveyed over 1,000 participants and ranked them into the following three categories:  1) those with no history of childhood abuse or neglect; 2) those who had been abused and were caring for their non-abusive parent; and 3) those who had been abused and were, to borrow the study’s memorable title, “caring for my abuser.”  Researchers also compared caregivers neglected as children with those who were not neglected.

Unsurprisingly, adults who were abused by their parents as children were more likely to show signs of depression, like lack of appetite, insomnia, trouble concentrating, sadness and lethargy, when caring for those elderly parents as adults.  But a stronger link arose for those category 3, caring for the abusive parent.  Those abused children caring for their abusive parent were still affected by that abuse and suffered from more depression than those in the other categories.

So, a person falling into one of these categories, especially category 3, has to really ask themselves whether they wish to subject themselves to this kind of risk to their own health as adults.  Worse, this finding raises the ugly specter of whether the abused child will succumb to the increased risk that they will abuse their charges, perpetuating a sorrowful cycle, if the care-giving becomes overwhelming.  Clearly, the natural feelings of revenge could easily surmount any obligatory honor or other societal barriers that otherwise keep in check these more primitive urges.

Whether it is those that are forced to care for their elderly parents who were abusive to them when they were children because there is no alternative or if there are other factors which place the adult children in such a precarious position, those who must engage or who choose to engage in the caregiver role must steel themselves for the impact on their own health.  They should be aware of the signs and symptoms of depression and methods of dealing with it such as therapy or support groups.  What is clear is that more resources need to be made available to care for the aging other than reliance on unpaid family caregivers.  For, as this article concludes, “Not only nice people get old.”

NY Times Article:  A Risk in Caring for Abusive Parents


People All Over the Nation Are Now Using the Affordable Care Act–the White House Wants Their Stories

Expecting a continued battle over health care, the White House moved Wednesday to recruit volunteers for its campaign to defend and promote the law, which is likely to be a defining issue in many congressional races this year. A White House website invites supporters and beneficiaries of the law to provide their names, email addresses and personal experiences.

“Whether you have new coverage today or know someone who does, we want to hear your story,” David Simas, an aide to President Obama, said in an email to people who had expressed interest in the issue.

Jessica Santillo, a White House spokeswoman, said the invitation was part of a systematic new effort by the administration to “highlight stories of everyday Americans benefiting from the law.”

The administration hopes to encourage enrollment and reverse public opinion polls that show approval of the health care law lagging behind disapproval.

Read more:  New York Times Article

Related Article:

Emergency Visits Seen Increasing With Health Law

Use These 5 Strategies to Avoid Stress in Older Family Members or Those Cognitively Impaired

Following are five suggestions that may help elderly family members better enjoy the holiday festivities when all the younger family members are stirring up a ruckus celebration:

1. Prevent your elderly family members suffering from dementia from too much excitement or things like camera flashes, multiple blinking lights, over-exhuberant youngsters asking too many questions and generally just too many simultaneous visitors.  Their own inability to process information at the same pace can lead to frustration and disruptive behavior on their part in response.

2. Try to help the elderly stay in a good frame of mind by playing softer music and familiar songs to soothe their mood(s).  Perhaps predictably, those suffering from various forms of cognitive impairment, such as Alzheimer’s or other dementia, have shown positive reactions to hearing their favorite kind of music.

3. Protect your aging parent with dementia from loud noises, even loud talking and laughter that seem part of a normal day of celebration. A person with dementia can become upset by loud noises, even if they are happy sounds.

4.  Like most of us, but especially those elderly suffering from cognitive impairment, need quiet time, for rest, reflection and repose.  Too much conversation and holiday excitement among family members can agitate the elder.  Subtle signs of fatigue or frustration are indicators that a break from the action is appropriate for them.

5. Stay on their current schedule. Keep the elderly family member(s) eating at that same times that they always do.  Otherwise, disrupting their routine could create unnecessary stress or confusion.

Our thanks to Dr. Mikol Davis at for this information.


CFPB Has Published Guideline Booklets to Help Lay Persons Managing Money Under Fiduciary Obligations (Powers of Attorney, etc.)

The Consumer Financial Protection Bureau has published new guideline booklets to help lay persons properly manage other people’s money when acting as a fiduciary.  For example, if you are managing money for your elderly parent or anyone by virtue of that person naming you agent under a power of attorney, you are subject to fiduciary duties the breach of which may subject you to a lawsuit or other legal action.  So, to help ensure you stay within the bounds of what the law allows you to do, it’s worth taking a look at these brochures and make sure anything you do stays within these bounds.

The Managing Someone Else’s Money guides are for agents under powers of attorney, court-appointed guardians, trustees, and government fiduciaries (Social Security representative payees and VA fiduciaries.)

The guides help you to be a financial caregiver in three ways:

They walk you through your duties.

They tell you how to watch out for scams and financial exploitation, and what to do if your loved one is a victim.

They tell you where you can go for help.

Remember, an ounce of proper planning and prevention is worth a pound of cure!

VA Study Shows Top Concerns of the Dying

A study by the Veterans Affairs Medical Center in Durham, North Carolina, shows that the top concerns of terminally ill patients and their families are the following:

  • Prevention of pain is most important. People fear dying in pain more than they fear death.  These folks need reassurance that pain management is available.
  • Patients want to be involved in decisions regarding their treatment.  The study doesn’t report it, but it may well be that loss of control or the desire to maintain control are part and parcel of this driver.
  • Patients and their families want to know what to expect from the fatal condition and treatment.  Again, although not specifically reported, it seems reasonable to infer that removal of a degree of uncertainty about what may help people better cope with their predicament.
  • Dying persons and their families search for meaning in their lives and relationships at the end of life. Practicing one’s faith, life review, and saying goodbye were listed as important activities.
  • Perhaps interrelated with the previous finding, altruism becomes more pronounced in people who are dying, as the study showed people want to contribute to the well-being of others. They find peace in helping loved ones come to grips with their impending death in order to let them go. They also like to leave behind means to care for the needs of their survivors.
  • Patients want to be seen as a whole person, not a disease.

Research from this study and others indicates that it is helpful to talk openly about death and to give your care receiver a chance to talk about death. Thus, doing away with the placebo of denial seems to work more fruitful results.  If the patient allows an opening such as, “When I’m gone” or, “I need to get my finances in order,” take it.  If the uncomfortable is not discussed, or the chance is missed and it doesn’t come up again, direct questions as to the reality of the situation are appropriate, such as asking, “Are you afraid of dying?”  Alsl found to be appropriate are discussions about funeral plans and any advanced directives or other legal matters that have not been completed.

As in other phases of life, arguments with the patient about whether he or she can recover or to remain positive and believe he or she is not going to die are counter-productive.  Denial is less than optimal.  The study concluded that a care receiver will be more peaceful if their loved ones make it known that they have accepted his or her death and release him or her with love.

Who is Actually Taking Care of Seniors Now, And Who Will Be Taking Care of Seniors in the Next Generation

According to a NY Times article, two sociologists, one from Purdue and the other Cornell, have studied the family dynamics in America for almost 30 years.  And, they’ve uncovered some handy tidbits besides proving that mothers have favorite children, despite taboos, and they thought that all sorts of personal history and relationship issues would factor into who wound up as caregivers for the elders.  They figured it would be those children who were closest to their mothers emotionally, who had earlier received support from their mothers, and who had fewer competing demands on their time like work, spouses or children of their own.  Not so:  gender and proximity are the drivers.  It turns out that women are 2 times more likely to be the family caregiver and the caregivers most likely to assume the role are those children who live within 2 hours of the elder–6 times more likely!

But, this is for the generation of Americans that had multiple children–a trend not carried forward predominantly in our current generation of Americans not yet in their later years.  So, perhaps a light is shining on this new reality of aging:  who will take care of this generation of Americans when they reach old age–they have only 1 or 2 children and many are childless.  Clearly, the burden will fall on society at large, and this inevitably means the taxpayer.  Now, it should be more apparent why the risk pool has to be increased, and thus, the vehicle most likely to succeed appears to be the Affordable Care Act.

Read more:


Is Social Media Our Online Tombstone?

1. How social media affects the dying process


From the post:


When NPR Radio host Scott Simon tweeted from his mother’s deathbed, he opened a window into the usually-private process of dying.



Jody Schoger, another cancer survivor, thinks that “the more we talk and write about death, the easier dying becomes … if you know what’s going to happen, and how it can happen, you can make some plans, know what kind of questions to ask, make your wishes known so that your family and your doctor know what you want.”

2. 1 billion new family records publicly available


Thanks to and teaming up.


3. How to close your online accounts


Just Delete Me is a huge-and-growing directory of links to account deletion pages. It’s probably worth spending an afternoon going through the directory and deleting any accounts you don’t regularly use.


4. ♫ I don’t want to live forever (online) ♫


It turns out most people don’t, but one-fifth of Britons surveyed haven’t even thought about what will happen to their online accounts after they die.


Courtesy of Estate Dispatch

Taking the Complexity Out of Estate Planning

Remember that old joke: How do you eat an elephant?  Answer: One bite at a time.  At the heart of that gag is the truth about how you tackle any seemingly complex task, taking it one step at a time so as not to overwhelm yourself.

Many people neglect to create an estate plan because they see it as the proverbial elephant…too big, too complex.  But if you approach estate planning in a systematic fashion, it takes the complexity right out of it – especially with the help of a knowledgeable estate planning attorney.

Here are some tips on how you can reduce the complexity in creating an estate plan, from a recent Fox Business article:

Add up your assets.  Take into account your retirement accounts, life insurance, potential inheritance, savings, property ownership, etc.

Consider trusts.  Trusts are simply vehicles for protecting your assets from creditors – yours or your heirs – and from potential future ex-spouses.  They are also a great mechanism for maintaining your privacy and allowing your assets to pass to your heirs without the expense and hassle of probate, which can tie up assets for a year or more.  And they also help you and your heirs avoid estate taxes.

Think about whom you trust to act as your agent(s).  You will need to appoint a person or persons to act as your agent through a power of attorney in case you are unable to make those decisions yourself, in the case you become incapacitated or have a terminal illness.  This applies for health care decisions as well as financial oversight.

Realize what a will can and cannot do for you.  A will is the cornerstone of your estate plan, giving you the legal power to pass along assets and property to heirs as well as name a guardian for minor children and appoint the people you need to carry out your wishes after you are gone – i.e., who will administer your estate and who will safeguard your assets for minor children.

If you would like to have a talk about estate planning, call our office today to schedule a time for us to sit down and talk. We normally charge $750 for a Family Wealth Planning Session, but because this planning is so important, I’ve made space for the next two people who mention this article to have a complete planning session at no charge. Call today and mention this article.


Medicaid, PeachCare Enrollment Hits New Record

New GA Medicaid Record–1.9 million or 1 in every 5 & 100,000 more expected to demand soon under the ACA despite the Governor’s refusal of expansion under the new law.   Read more about the highlights of the state’s presentation