Tag Archive for: pandemic

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I’m As Mad As Hell And I’m Not Going To Take This Anymore!

—Howard Beale, Network, 1976

We’re Not Gonna Take It, No, We Ain’t Gonna Take It, We’re Not Gonna Take It Anymore!

—Dee Snider, Twisted Sister, 1984


It was not that long ago. A year or so? America was recovering from the COVID. Economic growth was rebounding. Interest rates continued at historic low levels. Minimal inflation. Energy affordable and secure. Americans doing what Americans do. Getting on with it. Making the best of the situation. Recovering.

Remember before-COVID? Best economy ever for working Americans of all ages and racial groups. Record employment. At the highest real wages in history.

COVID and the response to the pandemic was a body blow. Confronted with a virus of mysterious origin. COVID deaths were 90+% among older folks with other ailments but affected us all. Lockdowns, economic paralysis, “No gardening for you!”.

Yet there was some desperate pride in adversity. Frontline healthcare workers’ extraordinary courageous efforts. Army field hospitals established overnight in Central Park. Navy hospital ships designed to treat battle-wounded soldiers converted at incredible speed to COVID treatment. Car factories suddenly manufacturing complex ventilators. Personal Protection Equipment production ramped up. Scientific research and vaccine development at “warp speed”.

Some sought political advantage. Blame Game. Extraordinary stresses resulted from lockdowns, masking, different therapeutic and preventive approaches to dealing with the pandemic. Some violence was excused. Other violence exaggerated and hysterically condemned. Rules for thee, but not for me? Raise your hand if you are surprised by politicians’ hypocrisy. Me neither.

And yet. Despite all the blame-gaming. Whatever your personal politics. Whomever you think is at fault. Let’s look over the edge of this foxhole. Aren’t there are some undeniable realities, some inconvenient truths?

Inflation is at 40-year highs. And getting worse.

Interest rates doubling, tripling. Home ownership out of reach. What do you think higher interest rates will do to the deficit?
Energy dependence is our future. America pleads with oil potentates who refuse our President’s phone calls and verbally abuse his envoys. “Strategic Petroleum Reserve” is pumped out to temporarily mask reality.

Crime and murder rates are skyrocketing back to the bad old days. Carnage in the streets.

Economic gains erased. Recession talk is back. Recession reality about to bite. Stagnation looms.

No borders for the U.S. Millions already crossed over. Given a joke legal document. And a cell phone. And a ticket to your town. To compete with you and your neighbors.

America is on edge. Agitated and anxious. Withdrawn and passive. Contradictory emotions and impulses. Remember Jimmy Carter? Malaise? Anything feel familiar nowadays?

How did we get here? Where do we go now?

Russia Russia Russia

Early 2022. Russia’s main rival (that’s us!) dazed and confused. Some American politicians and partisans credit Russia with powers and abilities far beyond those of mortal men. Russia chooses America’s president. Some believed this. Others said it for political advantage.

Russia riding high. Europe, with fresh America approval, agreed to new pipelines from Russian oil and gas fields. Europe cast away its independence. Europe invites the Russian boot upon its neck.

Russia’s Chief Crime Boss believed the American politicians. And the American newspapers. And his generals. Russian Chief Crime Boss thought he was really something. Also thought he had a real military.

Chief Crime Boss thought, “Now’s the time!” And invaded another country. Threatens others.

How’s that working out? Tens of thousands of dead or missing Russian soldiers. Thousands of dead Ukrainians. Billions of destroyed civilian and military property. Sunk ships. Millions of wrecked dreams. Years of effort demolished overnight with artillery shells, missiles, and bombs. Medieval brutality. Standard Operating Procedure for Russia, from czarist times to the time you read this. No surprise to anyone familiar with any ancient or modern Russian military adventure.

But Europe has had enough. Petroleum extortion blackmail is okay but killing people and breaking things… too much!

Henchmen of Chief Russian Crime Boss lied to him. Military was for show, not go. Crime Boss losing. But Crime Boss can never lose. Now Chief Russian Crime Boss threatens nuclear weapons.

How did this happen? What now?

USA vs Russia

There is no easy way out. No effortless solutions. We are past that now. Yet there is hope. America still has Americans. People who do not like being lied to. People who want to say what they want to say. We are a talkative bunch. We do not like to be shut up. We like to irritate our betters. We like to shake things up. That is what the First Amendment is all about.

Russia has the Russian system. Shut up or die. Shut up and die. No way out. No Exit. No solution when your country is run by a Chief Crime Boss and his henchmen. For as long as the Crime Boss lives. History provides countless examples. Napoleon: France. Hitler: Germany. Idi Amin: Uganda. Pol Pot: Cambodia. Franco: Spain.

Sadly, some Americans like the Russian Way. Some Americans are afraid of other people talking. So afraid that the government is setting up a “Disinformation Governance Board” staffed by political appointees. To govern “Disinformation”? Who decides which information is true blue, all-American, reliable, sanctified, and Government- Approved Information? Who decides which is evil, bad, horrible, no-good Disinformation? How can anything like this be consistent with the First Amendment? Can it be reconciled? Of course not.

Fortunately, many American immigrants seem to understand the importance of free discourse better than some of us born here. One immigrant, naturalized American has even spent some of his own money to buy a communications company. He promises to make it available to all. We shall see.

And that is the difference. We have our troubles, but the American Way of free speech, without fear or favor, will eventually enable us to solve our problems. If we continue to believe and act as Americans.

This is not a new issue with us. About a hundred years ago, in Whitney v. California, 274 U.S. 357 (1927), the Supreme Court upheld a conviction for dangerous speech. Forty years later, the Court, in Brandenburg v. Ohio, 395 U.S. 444 (1969), overruled that precedent and forcefully upheld free speech under the First Amendment.

Who wants to turn the clock back? Who wants to suppress, prosecute, and imprison their fellow Americans for speaking on political issues? Why do they fear talk? Are their ideas so weak? Do they have no confidence in their fellow citizens? Are they so smart that no one else need express any thought? Who are these people? Why do they reject the American Way and embrace the Russian Way?

Although it appears nowhere in his writings, Winston Churchill is often credited with saying:

You can always count on Americans to do the right thing – after they’ve tried everything else.

The Russian Way leads to death and destruction. The American Way leads to disagreement, discomfort, annoyance, and a better future and outcome for us all. We tried a mild variation on the Russian Way. And threw it out. Let’s stick to the American Way!

Is Now A Bad Time For A True Estate Planning Solution?

LifePlanning™ Is A Real Solution Traditional estate planning is concerned with avoiding probate, saving taxes, and dumping your leftover stuff on your beneficiaries.

After you die. Nobody cares what happens to you while you are alive. How does that help anyone? Stupid.

Traditional estate planning fails because the overwhelming majority of us will need long- term skilled care. 70% of us. For an average of 3 years. And we will go broke paying for it.

Is it surprising that thousands of recreation properties: cottages, cabins, hunting land, are lost to pay for long-term care? Why is your estate planner hurting you and your family? It is evil intent? Or stupidity?

LifePlanning™ defeats Nursing Home Poverty. Keep your stuff. Get the care you have already paid for. Good for you. Good for your family. Good example for society.

When my mother suffered from the dementia which led to her death, over 10 years ago, their estate plan preserved their lifesavings. Mom’s months in the nursing home did not mean Dad’s impoverishment. Dad spent the last years with security and peace of mind.

Perhaps you think you already have an answer to this problem. Maybe you do not see this as a problem at all. It is possible that you do not believe in the passage of time or its effects on you.

Peace of mind and financial security are waiting for everyone who practices LifePlanning™. You know that peace only begins with financial security. Are legal documents the most important? Is avoiding probate the best you can do for yourself or your loved ones? Is family about inheritance? Or are these things only significant to support the foundation of your family?

Do you think finding the best care is easy? Do you want to get lost in the overwhelming flood of claims and promises? Or would you like straight answers?

Well, here you are. Now you know. No excuses. Get 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.

The LifePlan™ Workshop has been the first step on the path to security and peace for thousands of families. Why not your family?

It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

A Pandemic Of Potpourri
Did Somebody Get Into The “Potent Potables”?

Ten Inspirational Quotes
Profound Or Just Confusing?
You Be The Judge.

1. It’s not the days in your life, but the life in your days that counts. — Brian Williams
2. The best way to predict the future, is to create it. — President Abraham Lincoln
3. Success is how high you bounce when you hit bottom. — General George S. Patton
4. A career is wonderful, but you can’t curl up with it on a cold night. — Marilyn Monroe
5. I’ve missed more than 9,000 shots in my career. I’ve lost almost 300 games. 26 times, I’ve been trusted to take the game winning shot and missed. I’ve failed over and over and over again in my life. And that is why I succeed. — Michael Jordan
6. You only live once. But if you do it right, once is enough. — Mae West
7. To avoid criticism: Say Nothing. Do Nothing. Be Nothing. — Aristotle
8. When the grass looks greener on the other side of the fence, it may be that they take better care of it there. — Cecil Selig
9. Keep away from people who try to belittle your ambitions. Small people always do that, but the really great ones make you feel that you, too, can become great. — Mark Twain
10. We can’t help everyone, but everyone can help someone. — Ronald Reagan

BONUS QUOTE: “What is written in the Law?” Jesus replied. “How do you read it?” He answered, “ ‘Love the Lord your God with all your heart and with all your soul and with all your strength and with all your mind’ and ‘Love your neighbor as yourself.’ ” “You have answered correctly,” Jesus said. “Do this and you will live.” — Luke 10:26-28


1. Medicare is a Mulligatawny Stew of Health Insurance Options, including Original Medicare, Medicare Advantage, and Part D Prescription Drug Plans.
2. 2.1 million Michiganders, Michiganians, or Great Lakes Staters are enrolled in Medicare.
3. Everything Changes Every Year! Open Enrollment is NOW! GOOD STUFF is available.


1. Average Monthly Medicare Advantage Insurance Premiums DROPPED from $35 to $29 per month for 2022.
2. 25 new Medicare Advantage Plans are available in 2022. Total: 191 DIFFERENT Plans.
3. Some Medicare Advantage Plans have ZERO, that is $0 per month premiums.
4. 18 Advantage Plans offer rewards and incentives for healthy behaviors.
5. Advantage Plans, including Advantage Plans with ZERO premiums, are available to ALL (that’s 100%) of Michigan Medicare folks.


1. 23 Stand Alone Prescription Drug Plans (Part D) are available in 2022.
2. Many Advantage Plans include Part D coverage.
3. 99% of Medicare recipients can lower their 2021 premiums.
4. Part D Plans start at $7.50 per month.


You get the chance every year to change your MEDICARE SUPPLEMENT INSURANCE. The time is NOW! From October 15 through December 7. Do NOT miss this opportunity to evaluate your Medicare insurance. Maybe you already have the best plan of all time. Maybe there’s a new one that would fit you better. You do not get to complain if you do not get involved. So get involved in your own health care insurance. You have choices.

The Government evaluates all the various plans and assigns STAR ratings to each. One Star or Five Stars? That is your choice. The ratings are available right now on MEDICARE.GOV.


“Don’t be a shmendrik… Listen to the spiel… Mazel Tov!”

You can watch a super video class on your 2022 Medicare choices. It is so easy!
1. Prepare a nice hot cup of tea. And a muffin or scone.
2. Go To davidcarrierlaw.com
3. Click on “Free Workshops”
4. Click on “Visiting Expert Series”
5. When You Get to the Visiting Expert Series page, scroll down to “In Case You Missed It.”
6. Click on “Medicare AEP (Annual Election Period)”.
7. Relax! Sip the tea. Nosh the scone. Absorb the information!
8. Decide… Do you want to make changes?


Your Medicare, along with Medicare Supplement Insurance and Medicare Advantage Plans are essential pieces in assembling the puzzle of your health plan. Hospitalization. Disease. Injury. Bad Stuff that Happens. Medicare is there when you need acute care. Or a new knee.

But Medicare is only part of the story. What about long-term care? What about at-home care or assisted living? What about nursing home care? What about the $185.50 co-pay for Days 21-100 of rehabilitation services? What about NO COVERAGE AT ALL for Days 100+? Medicare is not the answer for these questions.

Medicaid is the rest of the story… Find out at a LifePlan™ Workshop. Or come to the Navigating Medicaid Webinar sponsored by MLive!


FULL DISCLOSURE: For the last 31 years, from the very start, the Firm paid taxes. And paid. And paid. Freedom is not free. Blessings of Liberty have a price. But now we have the World Turned Upside Down. Government wants to give the Firm money. To keep folks employed. To keep the lights on. And the Firm has said yes. Including this galloping geyser of cash called the Employee Retention Tax Credit. The Firm is happy to duke it out with other law firms on any fair ground. But when the government starts spewing cash, the game is rigged. And it’s either play by their rules or lose. The Firm does not like to lose. So, the Firm took the PPP. And the ERTC. And we don’t like it. But your highly trained, motivated, and grateful team is still here to serve you and your family.

The 2020 CARES Act gave us this payroll tax credit. The Employee Retention Tax Credit. It has been extended through December 2021. The ERTC is worth up to $10,000 per employee for 2020. For 2021, it’s up to $28,000 per employee (70% of each employee’s earnings, per quarter, up to $7000). This is not chump change.

You get the money if:
a. Your business was partially (or fully) shut down by COVID, or
b. Your revenue was down by 20% in any 2021 quarter this year (50% in any 2020 quarter) as against the same quarter in 2019.
c. By the way, what if your income was down in the first quarter, but not the second? Under the alternate quarter rule, you can use the first quarter to qualify for the ERTC in the second quarter.
1. Here’s where it gets crazy. You can still claim the credit in the first quarter! Your business only qualifies for one quarter, but you can claim for 2 quarters? Yes. Nuts, right?
d. ERTC is supposed to offset employer payroll taxes. And it does. But what if you do not have enough employer payroll taxes to use up the credit? The IRS sends you a check. Not kidding.
e. Jed Clampett was surprised to find oil in his backyard. You may be just as shocked to discover this little fountain of fun. Too bad, you missed out in 2020, right? Nope, just go back, amend your returns, and get a nice fat government check.

EXIT QUESTION: Would You Give $3.5 Trillion Dollars to the Goof-balls Who Dreamed This Up? Do You Think They Would Spend the Money Wisely? Would You Want Them Running a Hotdog Stand? Collecting Your Garbage? (Apologies to waste haulers everywhere!)


Elephants to the left of us, elephants to the right… Sneaky devils! Cleverly camouflaged by the global investment industry, the legal profession, government, and others.

Can you handle the truth? I knew you could! Come find out what is really going on…

Most people know that long-term care is the stinkiest elephant in the herd. But you can get the straight story. Accurate information. Clear thinking. What you truly need to know.

Of course, you are busy. So much going on. We make it easy. Get the information, insight, inspiration you need. To live your life. Make smart decisions. Cut through the fog. It is your turn. For you. For your loved ones.

It is not chance. It is choice. Your choice.
Get Information Now.

Oh No! Charts and Graphs…AUGH!

But I Was Promised There Would Be No Math

Truth, Facts, Reality

Most people like the truth. Don’t you find it helpful to know what is really going on? Truth, facts, reality. These are the cornerstones of middle-class life. If you fail to hammer your kids to do their homework, you get dumb kids. Sluff off on the job, get fired. Skip the mortgage payments, lose the house. Eat too much, get fat. Act like a jerk, live alone.

Truth and consequences. Most of us do not ping-pong between extremes of hope and fear. Steady on course. One brick at a time, we build security for ourselves and our families. Truth, facts, reality. We swim in a sea of action/reaction. Do immoral stuff, get corrupt fallout. Take virtuous actions, get wholesome goodness.

Fight the good fight, finish the race, keep the faith. Pour your life into meaningful deeds. Your kids will be OK. Loved ones will surround you. You will not be alone. Or broke. Christian folks are also assured that: “[T]here is laid up for me a crown of righteousness, which the Lord, the righteous judge, shall give me at that day: and not to me only, but unto all them also that love his appearing.” 2 Timothy 4:8 KJB So you’ve got that going for you, which is nice.

If you are like me, you understand: “different strokes for different folks”. We are everyday people. We don’t all see things the same. “Sometimes I’m right and I can be wrong.” Opinion, belief, attitude, outlook. “We got to live together.” Respect, conversation, acceptance. “And so on and so on and scooby dooby dooby.” (1)

Dedication to Truth. Respect for Each Other. That is how we got here. The most prosperous nation in the history of the world. The most accepting. The most generous. The most loving.

If you are like me, doesn’t it drive you nuts when somebody starts insisting on “their” truth? This truth, that truth? As if truth were blob of jello. Why can’t they just admit they have opinions? Perceptions? Points of view? Same as me. Same as you. Is their arrogance driven by insecurity? Some deep-seated emotional disturbance? Who knows? Who can know? I sure don’t.

What I do know is that facts are stubborn things. Get all the fancy degrees you want. Make impassioned arguments. Smoke a whole lot of weed, er, I mean “recreational cannabis.” Desperately convince yourself of “your truth.” But take away cops and bad guys come out to play. And steal. And murder.

New York (40%+). Chicago (55%+). Los Angeles (30%+). Tucson (38%+). Austin (55%+). Milwaukee (95%+). Minneapolis (72%+). Portland (52%+). Seattle (74%+).2 And so on and so on and scooby dooby dooby. (2)

Just The Facts, Ma’am, Just The Facts

We all have our opinions. Sometimes our opinions blind us to truth. So whenever possible, I like to use research from people whose politics and perspectives are different than mine. Use the other guy’s version of the facts. Approved by Harvard University and Brown University. Funded by the Bill and Melinda Gates Foundation. Liberal enough for you? And what did those folks find? (3)

Rich Folks Did Great, Middle Class Folks Got Hurt, Poor Folks Got Hammered

covid wages recovery

Everybody got whacked at the beginning of the pandemic. But low- and middle-income workers got it worst. And now, a year and a half later, turns out that high income people actually got more jobs. Up 2.4%. Middle-income folks are on the path to recovery. Down 4.5%. And the poor folks got screwed. Still down 24%.

How did that happen? Was it the inevitable, unchangeable Laws of the Universe? Bad luck? Random chance? Or do you suppose the magical creation of money by government wizards, coupled with unemployment payments exceeding normal take-home pay might have had an effect? If you do, you are most definitely a terrible person. Even worse if you wonder why there are three unfilled jobs for every unemployed person. What does it mean that a Boyne City sandwich shop pays $18 per hour and still cannot find “sandwich artists”? Makes you wonder, eh?

The More They Help, The Worse It Gets

small businesses open

Some governors like to protect us. Protect us from our own poor choices. (Except when it comes to weed, er, I still mean “recreational cannabis”.) What happens when government controls us? Uses a natural (or perhaps unnatural) disease pandemic to impose unprecedented, unconstitutional (according to the Michigan Supreme Court) executive orders? When government tells you to shut up, do this, do that. and don’t worry your pretty little head, is that a superhighway to success?

You could take a look at this Harvard-approved, Bill and Melinda Gates Foundation-funded chart. Government controls lead to deeper small business depression. And when the controls come off, squashed small businesses do not recover as quickly or as well. Did not see that coming!

Who runs small businesses? Middle-class folks making middle range money. Who works for small businesses? Lower-wage workers.

Why it is almost as if all these consequences were connected!

And They Sacrificed The Future

Education is the path to freedom. You know this. That is why you spent more to buy a home in a “good” school district. That is why you put up with the rolling eyes, the protests, the whining and everything else to get your kids to do their homework.

But now it is the teachers who do not want to go back to school. With disastrous consequences. Once again we see the same pattern. Rich folks kids… drop off and recovery. Middle-class kids… much steeper drop off and much less recovery. Lower-wage family kids… bottomless pit!

Who can see this without compassion? Who can claim that it has to be this way? Who lacks the guts to stare reality in the face?

The Only Answer: Middle Class Values

Do you feel, as I do, that this could be the “best of times” for the middle class? For the truth that nothing good comes without hard work, dedication, and perseverance?

Do you see the consequences of today’s path? The dizzy disaster of multiple “truths”. The moral bankruptcy of cancel culture and pitting Americans against each other. The bloody, murderous, drugged-out despair in our cities, large and small.

Life-Plan™ Salvation for the Middle-Class

How do we convince the kids that our values are the best? Going broke in old age for long-term care may not be the best strategy. Middle-class savers, workers, builders can live well and leave a legacy of values. You get the nursing home bill: your guts turn to water, you are about to puke and you are desperately searching for a place to sit down. Relax! You took care of it… you have a LifePlan™. Be the hero… fight and win!

Not Chance, Your Choice

You know there is nothing inevitable about nursing home poverty. You worked for and deserve peace of mind and security. It is a choice. People tell me, “I never heard of this before! Why doesn’t everyone do it?”

Well, here you are. Now you know. No excuses. Get 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.

No Poverty. No Charity. No Waste.
It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

(1) Sly & The Family Stone, Everyday People
(2) https://docs.google.com/spreadsheets/d/1Z9b5mIwztAwmEHJW7Q5DHMjS14-Rs7XIXOt33Al_rDw/edit#gid=1757262194
(3) https://opportunityinsights.org/wp-content/uploads/2020/05/tracker_paper.pdf

COVID-19. Everyone has an opinion. Fear-mongering headlines are everywhere. Widespread destruction of American middle class hopes and dreams. Out of work. Out of school. Out of money. Out of hope. Why is anyone surprised that some young people turn against fundamental American ideals of honor and fair play? What if America had responded to polio, yellow fever, whooping cough, German measles, other devastating disease pandemics by depriving regular citizens of their rights to worship, associate with others, seek their fortune, pursue happiness?

COVID-19 falls heaviest on older Americans. It is truly an Elder Plague. The numbers have not changed. The older you are, the more deadly COVID-19. Americans over the age of 85 make up only 3.4% of COVID-19 cases, but a full 32% of deaths. Almost ten times as many. Younger Americans, under age 50, suffer 64.1% of COVID-19 infections. What percentage of deaths? Five percent. 5%. FIVE PERCENT. So. Older folks – ten times MORE likely to die. Younger folks – thirteen times LESS likely.

Wear your mask. Wash your hands. Take your temperature. Take care. Be on guard. Be wise. COVID-19 is a killer. That 5% of under-50 deaths represents almost seven thousand, five hundred Americans whose lives were cut short. Seven thousand, five hundred Americans who will never reach their full potential. Seven thousand, five hundred American tragedies.

And now, for the rest of the story.

High School Kids’ Despair Equals Suicide and Drug Abuse

“But there has been another cost that we’ve seen, particularly in high schools. We’re seeing, sadly, far greater suicides now than we are deaths from COVID. We’re seeing far greater deaths from drug overdose that are above excess that we had as background than we are seeing the deaths from COVID.”

Idle Hands are the Devil’s Workshop

We are not doctors, virologists, epidemiologists, or data analysts. But something seems odd here, doesn’t it? COVID-19 falls heaviest on the elderly. Hardly at all on working age and younger people. Yet rather than focus on those in need, politicians completely lock down society. No work. No play. No school. No church. Unsurprisingly, teenage suicides and drug deaths skyrocket. Frustration and boredom find outlet in politically correct protests, riots, and violence. Why do so many politicians embrace mindless destruction now and a defenseless future? Fear? Sympathy?

Some people ask, “Is there a better way?” We wonder, “Could there be a worse way?”

Middle Class Will Prevail

But as we all know, something that cannot go on forever, will not. Sooner or later, the pendulum swings back. Can you feel it? Did you get that sense, sometime last week, that things had gone far enough? Too far? We are patient. We are kind. We do not think ill of others. Slow to anger. But enough is enough. Too much waste. Too much greed. Too much self-righteous, self-satisfied, smug entitlement. Too much disrespect. “For they have sown the wind, and they shall reap the whirlwind.” Hosea 8:7


Wealthy folks are fine. They have lots of lawyers chasing them. Deserving poor get it for free. The Middle Class pays. Until there is nothing left. Then, scraps. We are here to serve you. LifePlanning™ is designed for and serves the Michigan Middle Class. Now. While you are still here. And who else even talks about it? You could do worse than give us a call and discover the choices LifePlanning™ and your hard work have made possible for you.

Get Answers Today! Call 1-800-317-2812

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.

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