Here are some publications that might be useful. A second, partial bibliography of about thirty articles on personal finances for gays is also available.

• Impact of new treatments - Disability: hope for the best, plan for the worst: Designing your financial future-now that you have one (Positively Aware, Mar/April 1997) Disability, medical insurance, credit, taxes
  
• - HIV: Back to Work? (In The LIFE, March 1997) A short synopsis of the issues.
  
• New AIDS Drugs and the Realities of Disability Benefits (LGNY, March 17, 1997) Few direct dangers, but a greatly changed playing field - especially in returning to work.
  
• Money Matters: Challenges Posed by the New AIDS Drugs (LGNY, March 30, 1997) Insurance, credit. Viatication - Viatication:Rewriting the Rule Book (Positively Aware, May/June 1997) A summary
  
• Viatical Settlements: Update on Changes, (Victory Update, February 1997) Impact on taxes
  
• Changes Upending the Viatical Market in New York (LGNY, January 20, 1997) Lack of NY competition.
  
• Viatical Chaos (In The LIFE, January 1997) Impact on offers
  
• Panic on AIDS Street (In the LIFE, August 1996) lists the impact of new drugs on viatical settlement For an overview - Gay Healthy, Financial health factors in gay life, In The LIFE, May 1997
  
• Banking on Your Health. A cover article of the Chicago monthly, Positively Aware, in May 1994, this is an expanded overview of the financial actions available to someone with HIV
  
• Fighting HIV Financially. This short summary from In The LIFE appeared in May 1996
  
• Prospering with HIV: The Money Side. This appeared in Victory! as a June 1994 column, a magazine for entrepreneurs. Its focus is on the use of employment benefits
  
• HIV Flip-flops Many Rules Of Personal Finances. The cover article of Body Positive in January 1994, this outlines how HIV changes the ground rules of personal finances. It summarizes the monthly presentation Per Larson helped give for Body Positive for two years on "Personal Finances and HIV." On disability - Enabling Continuity (Victory!, September 1996) Using disability benefits pre-emptively
  
• Another Growth Opportunity: How to Make Disability Work for You (Positively Aware, November/December 1995). This 6000 word piece comprehensively presents issues in chronological order
  
• Winning The Job Disability Benefits Game (Body Positive, April 1994) Based on BP workshops
  
• Gay Disability (In The LIFE, July 1996) Hedging & preventing risks peculiar to gay men & lesbians
  
• Can I Afford to Retire on Disability? This is a guide to assessing taking early disability benefits from a standpoint of corporate disability benefits. It appeared in a "WorkLine" column in the Advocate
  
• HIV-positive and disabled?, Positively Aware, September/October 1995. How vets can claim unreimbursed medical expenses (UMEs) and disabled people can claim Earned Income Tax Credits (EITCs) On getting cash out of life insurance - Viaticating Life Benefits (Case Review, Summer 1996) How to
  
• Was that buy low, sell high, or...?: Viatical Settlements. (Positively Aware, July/August 1995). This 4000 word summation of the pitfalls of getting cash out of life insurance gives step-by-step advice to consumers
  
• Living Benefits from Life Insurance. This overview of accelerated benefits and viatical settlements focuses on avoiding high broker commissions, setting up competitive bidding & how to identify when these actions make financial sense. It was published in Victory! in January/February 1995.
  
• Cashing In Life Insurance Can Be Rewarding - And Risky. This is short tour of viatication problems.
  
• Getting cash out of life insurance... safely: Pitfalls, Mistakes, Problems. For professionals. On insurance and benefits - Making a Living & Staying Alive. This March 1994 Victory! column addresses risks specific to gays & lesbians, with particular attention to medical insurance.
  
• The Costs and Benefits of Cost Containment. A critique of HMOs for people who are seriously ill, this was published in the PWA Coalition Newsline.
  
• When You File a Medical Claim Makes a Difference. (Affording Care Bulletin& Kiplinger Magazine, 1994)
  
• Financial Lessons from HIV: Insuring a Future. This piece from In The LIFE, September 1994, gives seven lessons about insurance for gays & lesbians learned from those with HIV.
  
• Fraud and Waiver of Co-Insurance. Even though waiver of co-insurance is common, and seductive, this practice can backfire if the waivers are challenged later. (AID:Advisor's Insurance Digest, April 1992).
  
• Ending "Job-Lock". From the Bulletin; how medical insurance can keep people tied to present jobs and how changes in NY extended protections that now permit job changing without danger to coverage.