If you do any estate planning or have older family members, you may want to read this post. Your world may be dramatically changed if the proposed rules implementing the federal Deficit Reduction Act of 2005 are approved. These rules are being proposed by the Illinois Department of Healthcare and Family Services (HFS) and drastically change Medicaid eligibility. HFS characterizes them simply as an effort to "close loopholes." Read on; you be the judge. Our Elder Law Section Council thinks that these proposed rules are unfair and unjust to seniors, people with disabilities, and their families. The Section presented testimony in opposition to these proposed rules at the hearing conducted by HFS this morning. To summarize, the Section believes that HFS' proposed rules are more restrictive and punitive than what is required by federal law. An example is the part that makes these changes retroactive -- changing the rules late in a senior's life. HFS stated that they were interested in hearing from people to better evaluate their proposed rules and plans to hold another hearing in Springfield on Sept. 28. HFS does have the legal authority to amend these rules before final submission to the Joint Committee on Administrative Rules. The 12 legislators appointed to serve on JCAR have the final say on proposed rules.