This book is a financial and legal guide to the ins and outs of the only government program that will pay for the long term nursing home care of your family member: MEDICAID
FROM: K. Gabriel Heiser, J.D., Attorney
Imagine your life savings, your home and your other family assets being wiped out virtually overnight.
The skyrocketing costs of nursing home care -- now averaging $75,000 a year -- could devastate you financially.
It's tragic but true. A sudden fall ... a heart attack ... a stroke ... an unexpected illness ... or your elderly parent's frailty and disability brought about by advanced age ... can bring financial ruin to you and your family. Nursing home expenses could bankrupt all but the most affluent families!
All your family's assets are exposed to nursing home costs. The government will only pay the nursing home bill if you are essentially broke. Medicare will only cover you for a maximum of 100 days, if they cover you at all -- and Social Security won't cover these bills either. Only Medicaid could cover you.
What Will You Do When Your Family's Assets are Wiped Out
to Pay for Nursing Home Expenses?
I've seen it happen all too often with my clients who seek Medicaid advice. They try to qualify their elderly parent for Medicaid -- but not until after they've already wasted a lot of their parent's life savings paying the nursing home at the "private pay" rate, or sold the family home because they thought they had no choice, believing that the government would force them to sell the house anyway.
Of course, that's simply not true!
There are ways to arrange your affairs in a way that will enable you to build a fortress of protection around your family's assets and have Medicaid pay for most, if not all, of your nursing home expenses.
If you're someone who is facing the reality of an elderly parent or family member heading toward a nursing home -- and you want to qualify for Medicaid without first spending down your parent's life savings (or yours) paying the nursing home privately, or going broke, this may be the most important article you'll ever read.
In the next 5 minutes, as you read this article in its entirety, you will learn how to uncover secrets that will qualify your elderly parent or family member for nursing home Medicaid. I'll also reveal a first-of-its-kind resource that costs less than half of a single day's stay in a nursing home -- but can save you and your family thousands of dollars in nursing home costs and enable you to protect and preserve your family's assets.
Who Am I -- And Why Should You Believe Me?
My name is K. Gabriel Heiser, J.D., an attorney specializing in elder care and estate planning. For the last 23 years, I've helped hundreds of people pay for nursing home care -- and kept them from going broke in the process. I've advised them on how to protect their homes and other family assets from devastating nursing home expenses so that they can have something to pass on to their children, relatives or charitable institutions.
I've discovered a great many things about the Medicaid system that hardly anyone knows. For instance, did you know that there's one secret technique that can double the amount of assets your family can protect -- yet very few attorneys are even aware of how it works?
There are many more proven strategies I know, which are contrary to what other attorneys and estate planning advisors may tell you. In over 2 decades of being "in the trenches" daily, I've met many people who have sought the advice of less experienced advisors -- and who have paid dearly because they were given bad advice.
It pays to be careful when it comes to federal programs like Medicaid. I've seen people go to jail or pay huge fines and penalties for doing illegal things or being ill-advised.
Did you know ... that Medicaid currently pays the bills of over 50% of all nursing home residents?
While that might sound like a good thing, think about the other 50% of nursing home residents whose bills are not paid by Medicaid. Why is that so? Well, apart from the small percentage who are too wealthy to qualify for Medicaid, there are 3 primary reasons why nursing home residents do not have Medicaid coverage:
- they think they have to be poor, destitute, or on welfare in order to qualify for nursing home Medicaid -- or go broke paying for nursing home costs first before they can get Medicaid coverage;
- they've tried and failed to qualify for Medicaid; or
- they don't know how to go about qualifying for Medicaid -- or think that trying to qualify is too complicated to attempt.
I assure you that you don't have to be poor, destitute or broke to qualify for Medicaid coverage. I can also show you exactly how to qualify for Medicaid even if you never thought you could.
"I Wish I Had Your Advice Sooner"
In the 23 years that I've helped hundreds of people qualify for Medicaid, probably the most frequent comment I got from my clients is this:
"I wish I had your advice sooner so I could have protected more of my assets, and gotten the entire nursing home cost paid for by Medicaid instead of just some."
I can't overemphasize the fact that the earlier you do your planning to qualify for Medicaid, the better -- even months or years before putting your parent or family member in a nursing home, if possible. However, no matter what situation you're in -- and even if you've already begun paying for nursing home costs out of your own pocket (or your parent's savings), it's almost never too late to protect and save your family's assets.
WARNING: Don't Even Try to Qualify for
Nursing Home Medicaid Without Reading This!
The Medicaid system is extremely complex and usually cumbersome for the layperson to understand. Nonetheless, it's not difficult to qualify for Medicaid -- when you know exactly how to go about it -- and when you have the proper legal assistance.
That's why I've compiled all the Medicaid insider secrets that I've accumulated over 23 years into a first-of-its-kind resource titled How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets.
In this 256-page compendium of Medicaid "inside information," I discuss all the Medicaid rules in great detail, and show you how to apply them to your own situation. I've included many case studies, and have designed it in such a way that it can be read and understood by laypersons.
This is the best education you can find on the Medicaid system as it relates to anyone living in a nursing home -- and it even includes advanced asset protection techniques as well.
This is no ordinary book.
It is the definitive guide to nursing home Medicaid qualification and is the only resource that is completely up-to-date. It includes all the massive changes brought about by the federal Deficit Reduction Act that was signed into law on February 8, 2006 and later amended on December 20, 2006. That law changed many of the "rules of the game" -- including the rules affecting qualification for the Medicaid program.
It's important to note that every technique and option presented in the book is 100% legal -- unlike a lot of the advice you might get elsewhere. It gives you planning options that will enable you to steer clear of making the kinds of transfers or blunders that can get you in trouble down the road.
What is Medicaid?
Medicaid is the federal program administered by 50 states that pays for the entire cost of a long-term stay in a nursing home -- if you qualify.
FACT: 4 out of 10 people turning 65 will use a nursing home at some point in their lives-- and many will need home care and other related services as well. In addition, one-fifth (20%) of middle-aged households include at least one elderly parent who cannot be left alone and needs help with activities of daily living (e.g., eating, dressing, using the toilet).
Source: Agency for Healthcare Research and Quality (AHRQ)
Couple Saves $30,000 -- and Keeps Their House!
A married couple (whom I'll refer to as Tim and Rachel for confidentiality reasons) sought legal advice from me recently. Tim's mother, Martha, had Alzheimer's Disease. Both Tim and Rachel were worried they could lose their house because of gifts Martha had made to Tim's siblings over the last few years -- and which were implemented by Tim and Rachel via Martha's durable power of attorney. Martha had exactly $51,000 to her name, and Bill assumed he'd have to spend it all on her nursing home care till it was gone.
Not only did I reassure them that they need not worry about losing their house, but I taught them how to save $30,000 of the mother's money by using a secret technique that I reveal in How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets. Needless to say, Tim and Rachel were ecstatic.
What You Don't Know About the Medicaid System
Could Hurt You Financially!
A client (whom I will call Ted to protect his privacy) came to consult with me a couple of years ago. He was worried about his Aunt Marge's care. Aunt Marge had $400,000 in her name, and was already in the nursing home -- at a monthly cost of $6,200. She could certainly afford to pay privately, but in less than 6 years, she'd end up flat broke. She had never married and had no children, but Ted had been very close to her for a long time and wanted to save some of her money, if he could.
So I advised Ted to use a secret technique that I reveal in How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets. As a result of using the technique, Ted not only preserved Aunt Marge's $400,000 by converting it to a certain type of exempt real property, but also got her qualified for Medicaid coverage immediately. Additionally, Ted received a monthly rental management fee -- and upon Aunt Marge's death, the entire $400,000 passed to him outside of probate -- and the state was prevented from coming after Aunt Marge's property for "estate recovery."
So you see, if Ted hadn't known the secret technique for getting the Medicaid system to work for him, it could have hurt both Aunt Marge and him financially!
So How Much Is All This Worth to You?
What is the value of owning the only reliable, completely up-to-date resource available on the market that reveals secrets about how to qualify for nursing home Medicaid -- without going broke?
What price can you put on the inside information that can qualify your elderly parent, a family member or you for Medicaid -- and getting Medicaid to pay the entire cost of a long-term stay in a nursing home?
What is it worth to save tens of thousands -- even hundreds of thousands -- of dollars in nursing home costs -- and not drain your life savings, or lose your home and other family assets?
Knowledge like this could easily be worth a small fortune to you over just a few months. But you won't have to pay $10,000, $8,000 or $6,000 for this inside information.
No, you won't even have to pay $2,500 to $5,000 (which is what I charge for a complete plan that positions my clients to qualify for nursing home Medicaid).
I know you'll find it hard to believe this, but How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets is only ... $47.
Yes, your investment in this treasure trove of Medicaid secrets is just $47. This introductory price is only a fraction of the $250 that I charge for a one-hour consultation, in which I cover only a tiny part of what my book contains!
With nursing costs averaging $75,000 a year (or $205 a day), your investment of $47 is less than half of a single day's stay in a nursing home!
Since you've read this far, I know you're obviously interested in qualifying for nursing home Medicaid -- without going broke. So shouldn't you own this book now?