Tag Archive for: at-home care

The big dance – 1963
Betty and Wilma were like sisters. Without the sister drama. Since their first day at Lansing Central High, two years ago. Now Betty was organizing a dance with some Lansing Tech Junior ROTC guys. She had her eye on Barney, a fella who made that uniform look good. And Barney had a friend, Fred, a shy guy, just like her friend Wilma. Anything can happen at a dance, you know. When will Saturday get here?

On Thing Leads to Another

That dance was just rehearsal for the big dance Wilma and Fred, Betty and Barney would lead through their lives. After graduation, the guys got their union cards and entered the wonderful world of GM’s Lansing car assembly. The ladies followed.

Betty and Wilma did not stay long in the steno pool. Wilma loved to get things just right. Call it perfectionism if you want to, that talent got Wilma assigned to quality control. Eventually she headed the plant’s QC efforts. Betty’s organizational skills landed her in the plant manager’s Office, as executive secretary.

Betty and Wilma did not stay long in the dating pool, either. Fred and Barney knew a good thing when they saw it. Before long they “put a ring on it” and got busy raising families too.

It was a sad day in April 2004 when the Olds plant shut down for good. They were all retired, but it still hurt. The guys made a pilgrimage to the old place every springtime. Both couples were doing fine. Their homes were paid off and worth about $175,000. With $200,000 in savings and $75,000 of life insurance, they felt secure. Not to mention having prepaid their funerals. Each couple had three kids and three grandchildren. They even like the in-laws!

Nothing Good Lasts Forever… Gathering Clouds

Just few years ago. Another perfect spring. Bright sunshine, crisp air with a bit of warmth, the smell of new growth, green leaves.

Two women of a certain age. Maybe sisters. Alike in many ways. Both were mothers and grandmothers. Respected. Looked up to.

Reliable volunteers for church and school. You want it done right? Get Betty and Wilma on the case. Rapidly approaching their 50th wedding anniversary. Time flies.

You have friends like these women. Middle-class people who enrich the world. Generous spirits. Authentic kindness. Get it done attitude. Nice homes, colorful gardens. Debt free.

Comfortable cash cushion (not that the kids would know). Coupon clipping and natural thrift. No extravagant or expensive habits. Except spoiling their grandchildren. But what is going on with Fred and Barney? Why does Fred put the car keys in the refrigerator? Barney gets so confused with the simplest things. And it is getting worse.

2020… The Storm Breaks

Betty and Wilma are now their husbands’ primary caregivers. Barney and Fred, after many years as partner and confidant, father and grandfather, best friend and “accomplice,” have fallen victim to Alzheimer’s disease. Heart-breaking. Life-changing. COVID isolation on top of it all. No description necessary.

Wilma and Betty take their wedding vows seriously. Better or worse. Richer or poorer. Sickness and health. They said it. They meant it. They lived it.

Maybe the kids don’t get it. But these women took JFK at his word: “We choose to do these things, not because they are easy, but because they are hard.” Alzheimer’s is hard. Alzheimer’s plus COVID is even harder.

Yes, the kids have their own families and challenges. They live out of state. They would like to help, but… travel ban. Now they think it is a good idea for dad to be “placed”. What is it with kids these days?

A Real Lifeline… Too Good to be True?

A pleasant Sunday, May 2021, both women were reading the same article. An account in the Michigan Elder Law Reporter describing the program of all-inclusive care for the elderly, known as PACE.

The reporter claimed that PACE provided free, at-home care. All pharmacy needs with no co-pays, donut holes, delays, or frustrating paperwork. Specialist care. Respite care. Durable medical equipment. Supplies. Occupational and physical therapy. The list went on and on. It even claimed that PACE was intended to help folks just like her. On purpose. Family members caring for loved ones at home. Staying at home.

Most outrageous, though, was the bald statement that their life savings, home, life insurance… their security, need not be sacrificed. Their lifetime of shared work could be preserved for themselves, their children, their grandchildren. How could that happen?!

They remembered similar articles in the reporter… published over 2020. And the warning that the special COVID rules would expire, but were then extended to November, then extended to April 2021, then extended “until further notice.”

Two Roads Diverged in a Wood, And I – I Took the One Less Traveled By…

And this is where Betty and Wilma made different choices.

Betty said to herself, “stuff and nonsense! I pity anyone foolish enough to believe this… promises, promises! Too good to be true! I don’t believe it! Fiddle faddle.”

Wilma thought, “I heard of this last year and didn’t act. Could this be my second chance? Maybe I should find out more…” Five years quickly passed.

And that Has Made All of the Difference

Another fine spring morning. Betty and Wilma are still best friends. But not so much alike anymore. They made different choices. They got different results.

Pride Goeth Before a Fall

Betty was physically exhausted. Twenty-four hours a day. Seven days a week. Constant caregiving for Barney took a heavy toll.

Emotional stress was worse. Bankruptcy. Lifesavings did not last long paying home health care workers. Cashing in the life insurance? No, she didn’t mind. That money was long gone.

Betty was still bound and determined that her barney would never wind up in one of “those places.” Then the cash ran out. She gritted her teeth and took a loan against the house. Twice. Plus a line of credit. In desperation, she turned to cash advances on the credit cards.

In her pride, she did not share the burden with Wilma or her children. She chose a solitary journey. Until the inevitable day when the house of cards collapsed. She reached for the phone to call her eldest child. She never imagined living in a senior housing project. Well, at least the bill collectors have stopped harassing her.

She is Clothed with Strength and Dignity; She Can Laugh at the Days to Come

Wilma stood at the kitchen window. Watching her grandchildren play in the yard. The last few years had been tough. Fred did not recognize her or their children. She was making the best of a bad situation. But. Her health was good. The PACE folks were a blessing. No worries. PACE aides came out to help with Fred several times a week. During COVID so many years ago, they even helped with her grocery shopping. And housekeeping. Plus all the medical support. Wilma’s future was secure. She did not face it alone. No poverty: life savings protected. No charity: PACE was a return on all those tax dollars.

No waste:
Her legacy will endure for years. “well,” she thought, “sometimes “too good to be true turns out even better.”

I Have Finished the Course, I Have Kept the Faith

Several months later.
Betty’s funeral. Wilma thought about her best friend. It was tragic. Betty ran the race. Betty fought the good fight. At the ultimate cost to herself, she did what she believed was necessary. Rapidly pouring out the savings and accomplishments of a lifetime. All gone in the blink of an eye.

Is there anything more tragic than needless suffering? Striving to do something that did not have to be done at all? Wilma had to say it: “Betty killed herself with work and worry, all to keep barney out of “those places.” And where is he going now? One of “those places.”” When a good person refuses the helping hand, it is more than sadness. When refusal leads to catastrophe, it is more than regret.

The next year.
After the preacher’s kind words at the cemetery, Wilma turned from Fred’s grave. Wilma too ran the race, fought the good fight. Wilma had been there for Fred to the ultimate end. Hospice at the house. Familiar PACE folks who supplied the hospital bed, Hoyer lift and other necessary equipment and services. Given fair warning, the kids made it in from out of town. It was sad, heart- breaking. But not tragic. Surrounded by family and friends. Secure. At peace. What did the lord have in store for her now? Wilma did not know. But she looked forward to finding out.

The difference most people, reading this article, will choose Betty’s path. Most people, faced with long- term care costs, close their eyes. Reject reality. Hope for the best. As lifesavings evaporate like a snowflake on a hot griddle. Why does the caregiver spouse die first, almost half of the time? Why do hard-working, prudent, frugal, middle-class folks accept nursing home poverty? Most of the time?

Not Chance, Your Choice

There is nothing inevitable about losing your home, cottage, business, lifesavings, Independence, security. All of that is a choice. Despite what “everybody else” says. For over thirty years, people have told me, “I’ve never heard of this before!” “if this is real, why doesn’t everyone do it?” “my lawyer/financial advisor/brother-in-law/accountant/tax person/ banker/best friend/fill-in-the-blank never said anything like this…”

Well, here you are. Now you know. No excuses. Wilma or Betty? You have the information, insight, inspiration. It is your turn. Ignore the message? Invite poverty? Or get the freely offered information. To make wise decisions. For you. For your loved ones.


GET INFORMATION NOW. (800) 317-2812

You are tired. Caring for a loved one with dementia is no joke. You are worried. Where is the money going to come from? Lifesavings almost exhausted. Maybe a home equity line of credit… maybe credit cards… how long can I keep putting one foot in front of the other? What to do? So many people saying so many different things… Take a break with the newspaper… Boring… What does any of this have to do with me? Nothing but bad news anyway… Maybe that lawyer guy always yapping about nursing homes and such has something to say…

Emergency Rules Effective “Until Further Notice”

April 1st Cut-Off Rescinded! Free At-Home Care For Middle Class Taxpayers

Nobody Wants To Be Institutionalized:

Basic Facts
Thirty-nine years as an attorney. Thirty-one years focused on estate planning and elder law. Helping thousands of families deal with Alzheimer’s, Lewy Body, Parkinson’s, ALS… Watching Dad cope with Mom’s vascular dementia and death. One year of pandemic lockdown. One year of unnecessary death. By “Executive Order.” Here is what I see:

Great! 40 years of ignoring regular folks…
Big shot lawyer-guy… What do they know?
What does he care?

Fact #1: Your husband, wife, mom, or dad does not want institutional care. Neither do you. You want to stay home. So do they.
Fact #2: Institutional Care is COVID-19 deadly. How deadly? Very. At least 70 times greater. But cooked books in New York means we do not know just how deadly.
Fact #3 Institutional Care is Expensive. Assisted Living is $4000-$6000 per month. Nursing Home is $10,0000-$15,000 per month.
Fact #4: Your family is going broke. Nursing Home Poverty.
Fact #5: Medicaid pays when you are broke. Busted. Played out. Sell the cottage. Cash in the CDs. Spend the savings. When your lifesavings are gone, you can share a room. Get a shower a week (whether you need it or not). Experience the adventure of group laundry. Listen to your roommate practice his Tiny Tim impression, Tiptoeing Through the Tulips. At Two in the morning.
Fact #6: You want to care for your loved one. “Richer or Poorer, Sickness or Health, Good times and Bad” “Honor your Father and Mother.” You take this family responsibility stuff seriously.
Fact #7: Caring for you will kill your spouse. Break up your kid’s marriage. Caring for your spouse will kill you. Caregivers die first 40-50% of the time.
Fact #8: You can fix all of this. It will not cost you your lifesavings. Or your home. Or the cottage. Or your business.
Fact #9: Most folks would rather suffer the consequences than call 800-317-2812. Or take any other positive action.
Fact #10: Refusing the help you have paid for with your taxes. That is the tragedy.

Sounds wonderful! Sure. What does that guy know about tragedy? That stuff never works anyway. Not for us. We just pay and pay.
Promises, Promises, I’m all through with promises, promises now… One foot in front of the other… It is getting worse…
Doesn’t recognize the kids anymore… Hardly knows who I am… But I can do this! It’ll be OK… Somehow.

You Need Help. But. The Care Is Too Damn Expensive!

Yes. Yes, it is. Care is expensive. Caregivers are difficult to find. The work is hard. The hours are long.
Program of All-inclusive Care for the Elderly (PACE) is the answer.

You or your loved one is safe at home, with family support. But you need care. Maybe not a lot, but more than a little. Just enough to keep you at home. That is where PACE comes in.

Compared to traditional, institutional care, PACE is a bargain. Much less expense. Meeting the need. Not so expensive. For the government. PACE is free to you.

Now: Expanded Eligibility

PACE is a privately run program. Paid for with your tax dollars. The tax dollars you contributed while working. The tax dollars that come out of every Social Security and pension check and IRA/401(k) distribution you receive. You have earned PACE.

But you must qualify. Maybe you have been told to sell the cottage. Or the farm. Or the hunting property. Maybe you have been told to “spend down.” No more CDs for you! Cash in those stocks and bonds. No security. Not for you. Not for your spouse. Not for your family. But…

Last year we reported good news about PACE. Emergency Rules. Eligibility expanded for thousands more families. Keep your life savings, cottage, farm, rental properties, business. Poverty is no longer required… provided you follow the complex rules. Care services are free. Keep your income. No co-pay. No doughnut hole. No other contribution.

Last year the State of Michigan said the special rules would expire in June. Then the State of Michigan said the COVID rules would expire in November. Then the State of Michigan said the emergency rules would expire in April. Getting dizzy yet?

Last week, the State of Michigan changed its mind again. Remember, these expanded rules have saved thousands of middle-class families like yours from nursing home poverty. Well, the State of Michigan said that these very beneficial rules would remain in effect, “UNTIL FURTHER NOTICE”!

Many Michigan families have already acted on this information. They are securing at-home care for their loved ones. PACE keeps them safe from the deadly COVID-19 virus stalking long-term care facilities.

Just like the government… keep changing things.
Do it this way, do it that way… Masks are awful… Masks are great… Six feet distance… Three feet distance…
Even if I try to go for that PACE thing, they’ll just change the rules again and we’ll be really be up a creek…
Still, might be nice to get some help… Wakes me up at all hours… Just wandering through the house…
How much more can I take? One foot in front of the other… So lonely…

Healthy Skepticism Or Deadly Doubt?

Many more families could benefit. But tragically, they cannot believe it is possible. Healthy skepticism hardens into stubborn rejection. Everyone suffers. Clinging to the idea that it is “too good to be true” or “fake news”? Pitiful. I’ve spoken to some folks who were uncertain and suspicious. Accurate information and proof beat unfounded fears every day. Fact: You do not have to accept nursing home poverty for yourself or your loved one.

Exactly… just a come-on. Fake news. Never works for real people. Can’t fool me with that too good to be true crap. What does a lawyer know about long-term care anyway? Shysters! What do they care? We won’t get fooled again…

Do You Or Your Loved One Qualify?

Answer Yes To 3 Questions:
1. Need help with activities of daily life? Memory problems? Oxygen therapy? Blindness? Dialysis? These are just a few of the many ways to qualify.
2. Are you safe at home?
3. Gross social security less than $2382? (Special rules for pension income.)

Let’s do the homework together. Most folks get large benefits. It costs nothing to find out.

Get Answers Now: 800-317-2812

Yeah, yeah… it’s dementia… Of course, we need help with daily routine… Of course, there are memory problems… not thinking straight… Still safe at home, as long as I’m around… I wish we
got that much social security! What’s a pension? “Large benefits” huh… I’m so sure… “Costs nothing” who believes that? It would be nice, though… Bah… nonsense!

Covid-19 Rule Changes Will Not Last

COVID-19 emergency rules are temporary. The benefits are permanent. When the emergency is over, these favorable rules will be gone. Of course, this may not be for you. Why not find out? Is it so bad to get back a little from the tax dollars you have paid? Call our Discovery Paralegal at 800-317-2812. Why not find out now?

Sure, it might be nice to get something back from taxes, but that is not how it works… $1400… whoop-de-do… We need real help, not window-dressing…

What Benefits Does Pace Provide?

Folks always want to know: What can PACE do for me? You have a team on your side. Your PACE team is doctors, therapists, dieticians, nurses, physician assistants, administrators. All work together to provide the best solution. Want more detail? You can receive:

• On-Site Physician/Medical Supervision
• Nursing Care
• Physical Therapy
• Occupational Therapy
• Recreational Therapy
• Activities and Exercise
• Breakfast, Lunch, Snack
• Nutritional Counseling
• Social Services
• Dental Care
• Audiology
• Optometry
• Podiatry

I bet it’s a dump, full of crazy people…

Medical Specialists
• Women’s Services
• Dentistry and Dentures
• Optometry and Eyeglasses
• Audiology and Hearing Aids
• Podiatry, Diabetic Shoes and Orthotics
• Cardiology
• Rheumatology

“Medical specialists!”
I bet there a bunch of hacks and quacks…

Outpatient Services
• Lab Tests
• Radiology
• X-Rays
• Outpatient Surgery

Sure, x-ray machine from when LBJ was president…
Surgery with rusty knives, I bet ya…

Primary Care Physician
• On call 24 hours a day, seven days a week.

Huh, 24/7… probably just an answering service…
I bet they “get back” to you next week, next month…

Home Health And Home Care Services
• Skilled Nursing and Assisted Living
• Physical and Occupational Therapy
• Personal Care
• Chore Services
• Meal Preparation

I bet they don’t really do all that stuff…

Inpatient Services
• Emergency Room Visits
• Hospitalizations
• Inpatient Specialist
• Skilled Inpatient Rehabilitation

I know they use the local hospital so that’s OK,
but I bet only the old, run-down parts of it…

Transportation Services

I bet they give you a used bicycle… Good Luck!

Prescriptions And Over-The-Counter Medications

I heard they have their own pharmacy… No co-pays. No record-keeping. No neighbor kids stealing our drugs off the front porch. Huh. Well, I bet there’s something wrong with it!

Family/Caregiver Support Services
• Respite Care and Caregiver Education

Rehab And Durable Medical Equipment
• Wheelchairs
• Walkers
• Oxygen
• Hospital Beds
• Diabetic Testing Supplies
• Adult Day Care

The Smiths used PACE…
they got brand-new equipment. Top notch stuff.
I bet that would not work for us…

What You Need To Do Now… While There Is Still Time Under The Covid Rules

Get the straight story. You do not need to prepare for the call. Call as you are. Very basic questions… you already know the answers… Your loved one is counting on you. Don’t let them down. It’s simple and free. Call 800-317-2812. Your Discovery meeting and Analysis meeting are waiting for you. Get it done.

What’s that they say in the casino and lottery commercials? “If YOU have a gambling problem, call the hotline etc, etc… Maybe I’m betting too much… Maybe I’m gambling with my loved one’s health and well-being… Maybe I’m gambling with my own health and well-being… Maybe I have a “gambling” problem… What was that number again?… 800-317-2812…
Hey! Old-fashioned toll-free…

Long-term care breaks the Michigan Middle-class. Destroys your peace of mind. Throws all your best-laid plans into confusion. Intimate, family relationships are strained, sometimes to the breaking point. Couples of 50,60,70 years separated as never before. LifePlanning™ preserves your lifesavings and protects what you deeply value. Security for you and your loved ones. That is what this is all about. And I explain how in our Workshops and Webinars. Recently, however, an older gentleman challenged me. “How do I know you deliver the security you talk about? What’s your guarantee? You lawyers don’t guarantee a darn thing. Humph!” I like a challenge. And that comment got me to thinking… Why not a Guarantee? We say we deliver security, peace of mind, a solid foundation for the future. That’s what thousands of clients over the last 31 years have said, too. But why not a GUARANTEE? So here is our totally scientific, iron-clad, super-duper paratrooper, no bones about it, tell us what you really think, Guarantee.

Peace Of Mind Is Our Stock In Trade

Sleep Like A Baby…
Walking On Sunshine
You Be The Judge!

Here’s How It Works
1. Come to a Workshop or Webinar.
2. Meet in person at one of our convenient offices or by ZOOM.
3. Working together, we devise a comprehensive LifePlanTM that meets your unique needs.
4. You retain us to implement your LifePlanTM.
5. When you take that first step on the LifePlanTM journey, each adult will receive:
a. A brand-new, FedEx-fresh from the factory, queen-size MyPillow®. Medium Firm. (Yes, these are the genuine article; the real McCoy! Accept No Substitutes!)
b. Deluxe Pillowcase(s) (Also new (what did you think?)).
6. Sleep on your new MyPillow while we draft and you review your LifePlanTM. Take careful note of the deeper, more restful and refreshing sleep you enjoy. (Is it the MyPillow or your progress to LifePlanTM security?
7. At one of our comfortable, homelike offices, your home, hospital, long-term care facility or such other place as may be convenient, create your LifePlanTM by signing a truly impressive array of documents.
8. Feel the calming waves of relief and security wash over you and your family.
9. Evaluate your sleep.
a. You will enjoy peaceful sleep unlike any other ever before!
b. Your LifePlanTM Peace of Mind will beat the MyPillow, hands down!
c. The calm invigoration of your LifePlanTM will make you feel like a new person!
d. As the lines of worry and anxiety fade from your face, your family and friends will accuse you of having had plastic surgery! Wow!
11. If your LifePlanTM does not “knit up the ravelled sleeve of care” (as Shakespeare said), simply let us know. You may have your choice of:
a. An electronic metronome; or
b. A white noise machine; or
c. A box of chamomile tea bags.

Now That’s A Guarantee!

You know. Everyone knows. COVID Elder Plague facts are familiar. Well known. Nothing to argue about. Victims are overwhelmingly older. Most in long-term care facilities. Tragic, infuriating truth: nursing home residents are 70 times more likely to die of COVID. Government Policies, Executive Orders have been deadly.

Are COVID rates rising among the young? Not really. U.S. Centers for Disease Control and Prevention (CDC) consistently show 95% of COVID deaths among those over 50 years old. Surprised? Check it out: https://covid.cdc.gov/covid-data-tracker/#demographics

Even now, some state bureaucrats mishandle COVID vaccinations. Fatal delays for elders. The CDC initially showed Michigan’s vaccination rate among the worst. Hapless officials offered technical-sounding “dog ate my homework” type excuses. Weeks later, current CDC data shows Michigan still lags. See for yourself: https://covid.cdc.gov/covid-data-tracker/#vaccinations Michigan elders are paying with their lives.

MEDICAID PROGRAM – Pace Expansion Is A Big Deal

Emergency, limited changes to the Program of All-inclusive Care for the Elderly (“PACE”). New opportunities for thousands of families. At-home care without more sacrifice. You can keep your lifesavings, cottage, farm, rental properties, business. No Poverty! By following the rules. Care services: free – fair return for what you paid in. Income: keep it. No co-pay, doughnut hole or other bamboozling malarkey.

We helped dozens secure at-home care for their loved ones. Belief: PACE saved many families from the deadly COVID virus stalking long-term care facilities.

“COVID-19 emergency rules are temporary. The benefits are permanent. When the emergency is over, these favorable rules will be gone.” Lifesaving benefits for a lifetime.

The special rules originally expired November 1, 2020. But were extended to April 1, 2021. Seemed like a long time, right? Unfortunately, the extra time is almost up. Like sands through the hourglass… Tick tock. One last chance for your family to get back a little of what you paid in. It is a big deal. And it is almost gone.

PACE itself is not going away. PACE will continue to provide quality of life to Middle-class Michigan. PACE has served us well since 1969. Not going nowhere. What is going away are the favorable eligibility rules that have saved so much for so many families. Soon it will be more expensive. More complex. More difficult. More challenging. What is your excuse to delay?

Threat To Middle Class Security

You are Middle-class Michigan. You have worked and saved. Since you were 10 years old. You and your spouse have a bit set aside. You are fine! But then…

You are caring for your loved one at home. You applied for help. Rejected! Too much income. Too much savings. A cottage, a business, a farm, stocks, bonds, IRA.

Your financial advisor, the accountant, your lawyer. All say the same thing: You must “spend down” all you have achieved. No help until you are broke.

Healthy Skepticism Or Deadly Doubt?

COVID emergency rules changed all that! Many more families can get the PACE benefits they earned. Yours included? Tragically, some refuse to believe it is possible. Healthy skepticism hardens into stubborn rejection. Everyone suffers. Clinging to the idea that it is “too good to be true” or “fake news”? Pitiful. Talk to folks who are uncertain and suspicious. Accurate information and proof beat unfounded fears every day. Fact: You do not have to accept nursing home poverty for yourself or your loved one.

Do You Or Your Loved One Qualify?

Answer Yes To 3 Questions:

  • 1. Need help with activities of daily life? Memory problems? Cognition issues? Daily oxygen therapy? Blindness? Dialysis? These are just a few of the many ways to qualify.
  • 2. Are you safe at home?
  • 3. 2021 Social security (gross) less than $2382? (Special strategies to reduce pension income.)

We can do the homework together. Most families benefit. Hugely. But it costs nothing to find out.

Get Answers Now: (800) 317-2812

What Are The Benefits?

What can PACE do for me? Why not find out? Your team is standing by. PACE is doctors, therapists, dieticians, nurses, physician assistants, administrators. All working together to provide your best solution. Want more detail? Call us.

PACE includes:
On-Site Physician/Medical Supervision; Nursing Care; Physical Therapy; Occupational Therapy; Recreational Therapy; Activities and Exercise; Breakfast, Lunch, Snack; Nutritional Counseling; Social Services; Dental Care; Audiology; Optometry; Podiatry; Women’s Services; Dentistry and Dentures; Optometry and Eyeglasses; Audiology and Hearing Aids; Podiatry, Diabetic Shoes and Orthotics; Cardiology; Rheumatology; Lab Tests; Radiology; X-Rays; Outpatient Surgery; Primary Care Physician: On call 24 hours a day, seven days a week; Physical and Occupational Therapy; Personal Care; Chore Services; Meal Preparation; Emergency Room Visits; Hospitalizations; Inpatient Specialist; Skilled Inpatient Rehabilitation; Transportation Services; Prescriptions; Over-the-Counter Medicines; Transportation; Respite Care and Caregiver Education; Wheelchairs; Walkers; Oxygen; Hospital Beds; Diabetic Testing Supplies; Adult Day Care.

No Poverty. No Handouts. No Waste.

Your team is united by 3 goals and 1 mission.

  • 1. No Poverty. Your family will NOT go broke.
  • 2. No Handouts. You paid for these benefits with a lifetime of work and taxes. You earned this.
  • 3. No Waste. Your beneficiaries get whatever is left. For certain. No crazy fees. No probate.

Mission: We make the rules work for the folks who play by the rules.

How Much Time Do You Think You Have? Why Waste It?

Get the straight story. Your loved one is counting on you. Satisfy yourself that you have the right information. It is simple and free. Your Discovery meeting is just a couple days away. Looking forward to meeting you.

Every PACE case. Every Medicaid case. Every long-term case. Each case is exhaustively documented and thoroughly prepared. Each case is audited. Each case must be correct. There is no margin for error. “Close” is not good enough. “Almost” equals loss. We do not tolerate, cheer, or accept failure. Not an option. Because your family is on the line. Your life work is at stake. It must be done right. And that takes time.

GET ANSWERS NOW. (800) 317-2812