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When most people hear this question, people jump to interest groups involved in hot button topics and deem them the most powerful or influential. Groups like the NRA, Greenpeace, The NAACP, and AFL-CIO. However a much bigger organization dwarfs all of these.The AARP is by far the most dominating, populous, and powerful interest group in the US today. The American Association of Retired Persons claims 1/10th of the US population in its membership. When they express an interest in an issue, like the ACA, people listen very carefully.The AARP represents Americans who are age 50+, and staunchly defends entitlement programs like Social Security, Medicare, and Medicaid. Members of the AARP receive benefits and discounts at businesses across the states. This helps the business gain access to a large group of people’s business, and keeps prices lower for the elderly.The goals of the AARP are to “promote independence, diginty and purpose to elderly persons”, “to enhance the quality of life for elderly persons”, and to “encourage elderly people to serve, not be served”.So yeah, that's the most powerful interest group in the US in a nutshell.

Medicaid seems to be seizing the assets of the recipients after they die. What is this about?Medicaid has had the right to recover the monies spent on you after 55 (it used to be 65) since instituted in 1965. In 1993, it became mandated that as a cost savings to fund future beneficiaries, states must attempt estate recovery.Institutionalized care (nursing home)PrescriptionsHospital billsHome and community-based servicesEssentially, Medicaid is a loan and covers roughly two-thirds of nursing home residents in the US.SOURCE: Medicaid Estate Recovery | BlogThe process and recoverable amounts depend on state laws. “OBRA '93 (Omnibus Budget Reconciliation Act of 1993) requires each state to recover the costs of nursing facility and other long-term care services from the estates of Medicaid beneficiaries.Questions and Answers on Medicaid Estate Recovery for Long-Term Care AARPSOURCE: What Does A Nursing Home Cost? | Retirement LivingIn order to be eligible for Medicaid, you cannot have recently transferred assets [called] look-back period for all transfers is 60 months (except in California, where it is 30 months). Medicaid's Asset Transfer Rules A Medicaid Trust can protect your assets while alive, qualify you for MediCAID nursing home assistance, and may leave some assets for your intended beneficiaries. Make sure your life insurance has named beneficiaries.SOURCE: Medicaid Trust for Asset Protection from Nursing Home CostsReferencesWhat is the Medicaid Estate Recovery?Medicaid Estate Recovery | HHS.govMedicaid's Power to Recoup Benefits Paid: Estate Recovery and Liens - Elder Law AnswersQuestions and Answers on Medicaid Estate Recovery for Long-Term ... AARPHow Medicaid Takes Its Money Back After You DieMedicaid’s Dark SecretHow to Avoid Medicaid Estate Recovery (legally)Medicaid and Life Insurance Policies - What You Need to KnowCan Medicaid Take Life Insurance After Death?What is the Medicaid Estate Recovery?Medicaid's Power to Recoup Benefits Paid: Estate Recovery and Liens - Elder Law AnswersApr 18, 2017 · However, states that have not opted to broaden their estate recovery to include non- probate assets may not make a claim against the Medicaid.Medicaid also recovers expenses paid on behalf of recipients from their estates under certain circumstances. Medicaid is the largest source of funds for institutional long-term care expenses. It pays nearly half of the total amount spent on nursing homes, followed, respectively, by out-of-pocket funds of long-term care consumers, Medicare, private long-term care insurance, and other public and private funding sources.1 . . . [assets subject to private are eligible for recovery and varies by state] . . .Recoveries may only be made from the estates of deceased recipients who were 55 or older when they received Medicaid benefits or who, regardless of age, were permanently institutionalized. However, states may exempt recipients if their only Medicaid benefit is payment of Medicare cost sharing (i.e., Medicare Part B premiums).If a state has elected to impose TEFRA liens 12 on recipients’ homes, then it must also recover from the estates of those recipients. States may impose liens on property of Medicaid recipients of any age if they are permanent residents of a nursing home or other medical institution, and if they are expected to pay a share of the cost of institutional care.Medicaid Estate Recovery.gov.OBRA '93 requires each state to recover the costs of nursing facility and other long-term care services from the estates of Medicaid beneficiaries. ... At a minimum, states are required to file claims in probate court against the estates of certain deceased Medicaid beneficiaries.Questions and Answers on Medicaid Estate Recovery for Long-Term ... AARP

Let me double down on your question, and suggest ten things that can add at least 10 years or more to your life:1. Don't retire. How’s that for a controversial starting point? Retirement, as we’ve known it for several decades, is dying, none too soon. And for good reason. Joint research by the Social Security Administration and the National Institute on Aging indicates that full-time retirement is associated with a 23-29 percent increase in mobility and daily activity difficulties, an 8 percent increase in illness, and an 11 percent decline in mental health.2. Upgrade your diet away from animal-based and processed foods.The verdict is in, and has been for a while: a largely plant-based diet is by far the healthiest. The only argument the food industry can take against that – in particular the beef, pork, and poultry industries – is that a plant-based diet doesn’t provide enough protein. Wrong! Most nutrition experts claim we are over-proteined in our culture and feel a plant-based diet offers adequate protein. Follow the money and don’t buy the meat and poultry industry argument.3. Up your exercise and include strength training.Less than a quarter of Americans 18 or older met minimum physical activity guidelines for cardiovascular and muscle-strengthening activity in 2017 according to the Centers for Disease Control and Prevention. On page 56 (adult) and page 68 (older adult) of the downloadable .pdf of the government Physical Activity Guidelines for Americans, minimum recommended exercise calls for 2 ½ – 5 hours a week of moderate-intensity or 1 1/4 – 2 ½ hours of vigorous-intensity aerobic exercise per week. Muscle-strengthening activities involving all major muscle groups should be added on two or more days a week.Get your heart rate into the optimal exercise range for your age (220 minus your age times .65 and .85) and sustain it.The weight training is vital. You are experiencing sarcopenia and probably aren’t aware of it. We all fall victim to it. It’s the loss of muscle mass and it started for us all in our 30s. The only antidote is strength training. Remember this simple mantra: Aerobic exercise will give you life, strength training will make it worth living.4. Get more sleep.No magic here. You need a minimum of seven hours a night at this age. Naps count. Research shows that a chronic lack of sleep, or getting poor quality sleep, increases the risk of disorders including high blood pressure, cardiovascular disease, diabetes, depression, and obesity.5. Challenge your brain.Don’t believe the myth that brain senescence is automatic. It isn’t. Oh, it can happen if you let it. But we’ve known for years that our brain, regardless of age, can produce new synaptic connections. It’s called neurogenesis. Think of your brain as a muscle. It, too, can atrophy. Use it or lose it.6. Maintain a high level of social activity.AARP says that social isolation is as damaging as smoking 15 cigarettes a day. Too often, reduced social engagement is a consequence of the retirement phase of life. We now know that being socially active plays a key role in longevity and good health. TV and Lazyboy are deadly combinations.7. Assess your relationships and do some housecleaning.Do you have toxic relationships in your life? We benefit by getting rid of negative, draining relationships. Motivational speaker, Jim Rohn, famously said: “You’re the average of the five people you spend the most time with.” We are greatly influenced by those closest to us, in the way we think, our self-esteem, our decision making. Severing a relationship can be tough, but vital to avoid the energy drain and excess cortisol production that a bad relationship can cause. Do yourself and your toxic friend(s) a favor – cut the cord.8. Increase your interaction with younger people.We seem to be quick to throw rocks at Millenials when we should make an effort to interact more with them. It will be a mutually-beneficial relationship. You feed off their energy, enthusiasm, ideas, and tech-savviness. They gain from your wisdom, steadiness, and common sense. It’s encouraging to see more and more companies discovering this and striving toward multi-generational workforces.9. Learn something new every day.Henry Ford said: “Anyone who stops learning is old, whether at twenty or eighty.” We lament our muscle atrophy as we age but ignore our brain atrophy. One of the greatest old dead white men, Leonardo de Vinci, nailed it: “Learning is the only thing the mind never exhausts, never fears, and never regrets.”10. Don’t be a dinosaur. Get savvy on basic technology.Technology development will continue to accelerate. If you are still pondering the purchase of a smartphone, well, you may have some serious catching up to do. Yes, there are downsides to all the tech that surrounds us. But the upsides are much greater.There may be an organization in your area that specializes in teaching technology to seniors. One good resource is a site called Senior Planet which “celebrates aging by sharing information and resources that support aging with attitude, and helps people who were born long before the digital revolution to stay engaged and active by bringing a digital-technology focus to a range of topics – among them news, health, sex and dating, art and design, senior style, travel, and entertainment.” They have physical locations in New York City. Plattsburgh, NY, San Antonio, TX, Palo Alto, CA and just opened in Denver, CO.11. Find someone to help or mentor.OK, so I don’t count well. Here’s a bonus. There is often a serendipitous effect of mentoring someone that goes beyond helping. Mentors typically improve their own skills by being inspired by new ideas, expanding their network and learning new strategies, technologies, and methods.May I be so bold as to suggest that you are shooting too low! Why 10 years? GO FOR 20 - OR 30. You deserve it!