Teresa K. Bowman 
This is a legal provision that protects a primary residence from forced sale by creditors. Key points include: The Florida Homestead Exemption This is a property tax benefit for Florida residents. Main features: In essence, homestead protection safeguards your home from creditors, while the homestead exemption reduces your property tax burden. The Save Our Homes (SOH) … Read more
Qualified Medicare Benefits (QMB) This is a benefit that can save seniors more than $2460 per year if they qualify. QMB covers the cost of Medicare Part B, currently $185 a month at the lowest premium and any Part A and B deductibles and copays. There are options to lower monthly income to qualify for … Read more
Every year around January, new federal guidelines are released by the Centers for Medicare and Medicaid Services (CMS). The following are new numbers as it applies to those applying for Medicaid. In 2025 Medicaid requires the applicant to be below $2,000 in countable assets and the community spouse, if the applicant is married, (referred to as the … Read more