Discover These Little-Known Secrets for
“Surviving the Nursing Home Spend-Down”
“What You Don’t Know About Paying for Nursing Home Care Could Cost You Everything!”
Free Report Reveals the
7 Steps You Should be Taking Right Now
toGet Quality Long-Term Care…
Without Selling Your Home,
Draining Your Hard-Earned Savings, or
Leaving Your Family Without a Dime
Maybe you’re already in danger. Every day people in our area lose their homes because a catastrophic illness hits their family, and they can’t afford to pay the nursing home.
If your spouse or loved one suffers a stroke, develops dementia, or is simply unsafe alone at home, you could lose everything to the cost of long term care. I see many people come through the door who are spending their life savings, and who will get no help from the State until they have spent almost everything.
You may not believe this, but if you’re single… widowed… divorced, our government does not help you pay for long-term care until you are BROKE!
And if you’re a married couple, you may have to spend half of your assets or more before you qualify for assistance. If you do nothing, you may have to sell your home to pay for the medical bills that keep coming… and coming… and coming…
You don’t want to be out of money
and out of quality health care
options for your loved one.
The truth is, you can be impoverished by long-term health care expenses long before “they” will throw you a Medi-Cal life preserver.
As you know, a life preserver has a great big hole in it. A nursing home resident on Medi-Cal cannot have assets of more than a couple thousand dollars, and is usually limited to a “personal needs allowance” of about a dollar or two a day. How are you supposed to get by with a dollar or two a day? That won’t even pay for a hair appointment!
Unfortunately, due to a law passed by Congress in 2005, California’s Medi-Cal laws will be getting tougher.. Government officials will be able to audit FIVE YEARS of your financial paperwork, trying to find any detail they can to deny (or delay) access to the benefits that may be rightfully yours.
You wouldn’t ask the
Internal Revenue Service
to prepare your tax return, would you?
They know all the hidden deductions – but they’re not about to tell you about them! This is where I come in – I’m an elder law attorney. It’s my job to know all of the Medi-Cal rules and regulations in both federal and state law. I protect my clients from being excessively impoverished.
In this FREE Report: “Don’t Go Broke in a Nursing Home,” you’ll learn what to do to protect yourself!
Here are just some of the secrets that are revealed…
- The little mistake that could leave you ineligible for months – or even years
- What you can do to save money – EVEN IF your loved one is already in a nursing home!
- Learn how gifting money to your children can disqualify you from Medi-Cal — unless it’s done just right
- Discover the biggest mistakes most people make when a loved one enters a nursing home (and how you can avoid them!)
- Find out how you may be able to protect your home from an estate recovery claim by the state
- Learn how to find the right nursing home and how to get quality care there
- …and much more!
The rules of Medi-Cal are nearly impossible for the layperson to understand. In fact, most likely, your family attorney will say things like, “It’s too late to do anything!” – or just shrug his shoulders and offer you the same old will and power of attorney that he prepares for his healthy clients.
We know more solutions. We help people like you deal with the mind-boggling, complex maze of Medi-Cal paperwork and the frustration that accompanies it. We know where the landmines are placed along The Elder Care Journey ©.
In this FREE Report, you’ll find plain English explanations of what the dangers are and what you can do to avoid the hidden pitfalls that await you if you’re walking blind. Sign up now to protect yourself, your legacy, and your dignity with the FREE Report: Don’t Go Broke in a Nursing Home.
Wishing you and your loved one the best of health,
Gerald W. Cummings, J.D.