“Skilled Nursing Care” Without the Nursing Home?

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“Best Kept Secret” Provides Free Care; Thousands Don’t Know They’re Entitled to Benefits. A Government Program That Saves Money and Works Better Than Anyone Expects… Is That Even Possible?

What can be done about long-term care? You want to stay in your home. You want to care for your spouse. Now, and for all the years to come. Surrounded by family and friends. Comfortable, familiar. But you cannot afford it. What if there was help? Help that did not touch your income. And you can preserve your life savings. What if your security and independence were guaranteed? Too good to be true? No, it’s PACE. The Program of All-inclusive Care for the Elderly. Most who qualify have no idea.

Too good to be true? No, It’s PACE!

Attorney David L. Carrier has supported PACE for over 20 years. “No matter what you’ve been told, take a good look at PACE. Let’s face it, care is expensive, and nobody wants to go to the nursing home anyway. PACE means you don’t have to!” “And PACE is simple: Are you 55 or older? Are you safe at home? Some medical or physical issues? PACE might be just the thing.” Carrier suggested. “It’s surprisingly easy to get what you’ve earned. Even if you’ve been told your finances are a problem, don’t hesitate. New approaches mean that thousands of more families can avoid nursing home poverty.”

PACE is a life saver. Spousal care overwhelms even the most devoted husbands, wives, and children. One study states that “caregivers between the ages of 66 and 96 have a 63% higher mortality rate than non-caregivers of the same age.”

Caregiver spouses sacrifice themselves to keep their loved one at home. And then the institution is inevitable. For single folks, sometimes, it’s their children who decide.

That’s why thousands of your friends and neighbors wind up in institutions. That’s why nursing homes, assisted living facilities, group homes are bursting at the seams. No husband wants his wife “institutionalized.” No wife wishes her husband in the care of strangers. And does anyone want to see years of hard-won savings evaporate overnight?

PACE provides doctors, specialists, pharmacy, physical and occupational therapy, durable medical equipment, supplies, home modifications. In Kent County, a brand-new PACE Day Center has just opened. Expanded options are now available to PACE members.

You do not have to go it alone. You already paid for long-term care through your taxes.

As David Carrier has said, “You don’t have to go it alone! You have already paid for long term care through your taxes. You do not have to pay AGAIN. Free durable medical equipment. Free home alterations. No co-pays. Free transportation. Free physical and occupational therapy. And the list goes on.”

Unlike most government promises, PACE has been even better than anyone expected when it began 50 years ago.

Good News for Middle Class Michigan

Get Home Care Now – Temporary Pandemic Relief Keep Your FARM, COTTAGE, BUSINESS, LIFE SAVINGS

Can we all agree that nobody wants long-term care? Isn’t it too expensive? Who wants to go to a nursing home? Would it break your heart to institutionalize your loved one? Or exhaust life savings? How about losing your cottage, business, farm, hunting land?

And the viral pandemic has made everything worse. For the last 20, 30, 40, 50 years, you’ve shared your life with the most wonderful person on earth. Now imagine no contact. Isolation. A garbled phone call – a brief glimpse through the window.

Too bleak? Scare talk? If you know anyone actually going through it, you know the reality is much much worse.

When government changes the rules and doesn’t tell anyone, is that a secret?

But what if you or your loved one could stay at home? Getting care at home? All medical bills paid. All medical supplies, pharmacy, doctor visits (including transportation), home modifications, all expenses paid? Too good to be true? Not for thousands of your friends and neighbors. When government changes the rules and doesn’t tell anyone, is that a secret?

Last week, Michigan decided to let you keep your cottage, farm, business, life savings. And still qualify for PACE at home benefits. But only for applications during the pandemic emergency period. And they didn’t tell anybody. I had to ask. Which is why I’m here. For you.

Last week’s rule changes are temporary. When the pandemic emergency is over, these extremely favorable rules will be gone.

Sure, it sounds like baloney. I understand. Fact is, right now, Carrier Law families throughout Michigan are experiencing the truth. Comprehensive at home care. No nursing home. Not going broke. Pandemic or not.

But what if my loved one requires assisted living or skilled nursing? That’s included too. No new application. No new requirements.

Do you or your loved one qualify? Can you answer yes to these 3 questions?

  • 1. Need help with daily life? Dementia issues? Certain medical conditions? (We’ll guide you through all 7 sets of criteria.)
  • 2. Are you safe at home?
  • 3. Is your gross social security retirement less than $2349? (Special rules for singles and marrieds with pension income.)

If you’ve answered yes, it’s time to do your homework and get the benefits you have already paid for. It costs nothing to find out.

For 30 years, in my law practice and on my radio show (Sunday mornings from 7-9 on WOOD 1300; call me 888-463-2843!), on television, in print, in person, through thousands of workshops and tens of thousands of one-on-one meetings, I have advocated and obtained benefits for individuals and families like yours. Last week’s rule changes are temporary. When the pandemic emergency is over, these extremely favorable rules will be gone.

No B.S. Promise:

For almost 40 years, I’ve been practicing law; in Massachusetts and Michigan. I served as an Army Captain in the JAG Corps (and now in the American Legion). I have my Airborne Wings and a few medals. Notre Dame (BA); Boston University Law (JD); Georgetown University Law (LI.M., Tax). For 30 years, I have been making and keeping big promises to middle class families in West Michigan. And those folks refer over 40% of new Carrier Law families. That’s no B.S. And that’s a promise.

Doing work and getting results that other attorneys and law firms can’t or won’t.

It Never Costs to Call. What Could it Hurt?

Will this rule change help your family? A paralegal Discovery meeting and an Analysis meeting with me cost nothing. And may save everything. In person. By telephone. By internet. Your choice.

What Have We Learned?

Middle Class Americans – Our Greatest Hope

Work hard. Save for a rainy day. Pay it forward. Lend a hand. Play by the rules. Help the unfortunate. Worship as you will. Keep an open mind. Do unto others as you would have them do unto you. Rules we have lived by. Ideas that built our nation. Your life of commitment to these simple but profound ideals has provided more prosperity for more people than at any other time in history. Living these basic truths are our greatest hope for the future.

Who works harder than middle-class folks? Who saves more? Who pays more taxes? Who volunteers more? When the going gets tough, who do they expect to help?

And yet, who gets blamed for society’s ills? Whose values are mocked and derided? Whose contributions are dismissed or minimized? Why was it so easy for most to ignore the horrific rates of COVID-19 death in long-term care facilities? Open the paper. Watch the news. Listen. You already know the answers.

But if you’re like me, you’re not here to complain, but to make things better. What should regular, middle-class Americans, workers and retirees, do in times like these? Same thing as ever. Dig deeper. Try harder. And that starts at home. With you. Single or married. Kids or no kids.

The simple fact is that America is getting older: every day another 12,000 Baby Boomers turn 60, 65, 70. The “Greatest Generation” is in its 70s, 80s, and 90s. Poisonous rhetoric and slanted commentary about the “Me Generation” and the supposed self-centeredness of the Boomers is flat wrong. The truth is that 75% of Baby Boomers are right now caring for parents, have already done so, or expect to.

Middle-class American families have always stepped up to meet the need. Long-term care is no exception. But this challenge cannot be fully met on an individual basis. Everyone prefers care at home; who wants a nursing home? Providing that care, however, simply wears family members out.

Providing that care, however, simply wears family members out.

If your husband or wife is caring for you, almost half of the time, he or she will die first. Spouses who give care die first 40% of the time! And many more will die shortly after you do, much sooner than otherwise expected. Skilled nursing home care, according to the State of Michigan, costs almost $9,000 every month for the most basic care. Extras (like oxygen!) can easily push the total much higher. And no one can afford it.

Medicaid is the way many Americans pay for long-term care. As with so many other things, though, the burden falls hardest on those who have worked and contributed the most. No savings? No problem! Live life on a credit card? Medicaid is there for you. But if you worked hard and saved. If you were frugal. If debt was dumb and savings was smart. If you did the right things, Medicaid will not help until you are impoverished. Until all your life’s efforts are wiped away.

But if you plan ahead it is possible to: Keep your savings. Provide for your loved ones. Receive at-home care. Participate in choosing a care facility if necessary. And still pay it forward.

A terrible lesson has been accepted and taught by most planners and attorneys. Spend it down. Spend it all. You are not in control. You cannot choose. Your values are wrong. Nothing can be done. It is a counsel of despair.

But it doesn’t have to be that way. The LifePlan approach keeps you in charge. Your life savings protected. Your life choices respected.

If your husband or wife is caring for you, almost half of the time, he or she will die first. Spouses who give care die first 40% of the time! And many more will die shortly after you do, much sooner than otherwise expected. Skilled nursing home care, according to the State of Michigan, costs almost $9,000 every month for the most basic care. Extras (like oxygen!) can easily push the total much higher. And no one can afford it.

Medicaid is the way many Americans pay for long-term care. As with so many other things, though, the burden falls hardest on those who have worked and contributed the most. No savings? No problem! Live life on a credit card? Medicaid is there for you. But if you worked hard and saved. If you were frugal. If debt was dumb and savings was smart. If you did the right things, Medicaid will not help until you are impoverished. Until all your life’s efforts are wiped away.

But if you plan ahead it is possible to: Keep your savings. Provide for your loved ones. Receive at-home care. Participate in choosing a care facility if necessary. And still pay it forward.

A terrible lesson has been accepted and taught by most planners and attorneys. Spend it down. Spend it all. You are not in control. You cannot choose. Your values are wrong. Nothing can be done. It is a counsel of despair.

But it doesn’t have to be that way. The LifePlan approach keeps you in charge. Your life savings protected. Your life choices respected.

But it doesn’t have to be that way. The LifePlan approach keeps you in charge.

The first step to making positive changes is to reject hopelessness and recognize that good things are possible. Don’t accept the gloom and doom. The LifePlan Workshop shares the essential tools and techniques that have secured the future for thousands of families, just like yours. LifePlanning is not experimental, but proven time and again.

At this moment in history, America needs your example of middle-class success. Too many unfortunate young people have become disillusioned and hopeless, led astray by angry rhetoric and disinformation. LifePlanning embodies middle-class American values. We all win, one person, one family at a time.

We’re Back! Carrier Law is Reopening

We are so excited to see you and provide you with in-person meetings! We have had to make some small changes to ensure the safety of the families we serve and our team. We are excited to welcome you back and our team is ready for your visit.

Here are some changes that you will see:

  • We ask that you arrive for your appointment five minutes early and wait in your car. Our staff will call you to ask you some health questions and clear you to come in, as soon as, your room is sanitized and ready to go.
  • Please leave any extra personal belongings in your vehicle. This will help keep our environment as clean as possible. Unless you have indicated who will be in attendance when you set up the appointment, no extra guests or children will be admitted for your appointment at this time.
  • You will be greeted by our friendly team and asked to hand sanitize, take a “no touch” temperature and offered a mask if you do not have one.

    • We have always had the very highest standards for cleaning. We clean going above and beyond CDC, OSHA, MIOSHA & Health Department standards each day, and after every meeting. Your health and safety along with that of our team is our top priority. We cannot wait to meet with you. If you have any questions concerning our reopening process, feel free to reach out to us.

    Fondly,

    The Carrier Law Team