Families Face Many Challenges as a Loved One Ages
Long Term Care Costs and Drained Assets

When a loved one begins experiencing a shift in their ability to manage day-to-day tasks and cannot do everything they used to, long-term care assistance is needed. But it can be costly and Medicaid doesn’t cover on-going, long-term healthcare assistance.

Most people think they need to sell their house or liquidate their assets (stocks, CDs, etc.) to cover the enormous monthly expenses that befall seniors, thus leaving no legacy to their children.

Did you know Senior War-Time Veterans and their widows can gain access to benefits they earned by service to their country?

The “Little Known” VA Benefit called the Aid and Attendance Pension Benefit

The Aid and Attendance Pension Benefit is one of the most hidden (and complex) programs available.

This Veteran’s program is designed to help veterans and/or their surviving spouses receive the financial support necessary to ensure their continuing care in their own home or in an assisted living or nursing home setting. Benefits may also be available for house-bound individuals that require daily assistance to maintain their health, dignity and safety.

Part of the confusion about this benefit is around the name itself. The actual name of the benefit – dates back to the Civil War – is called pension. Most people think they don’t qualify because they did not “retire” from the military.

What the government does NOT want Veterans to know.

You do not have to go broke and lose everything to qualify for the various government Care Assistance programs that you spent a lifetime paying into through taxes — especially those benefits you have earned serving your country.

7 out of 10 people who apply for the VA benefit are told they don’t qualify.

Little did they know that with a few “chess moves” to shelter assets, they could have received all the benefits they were due without liquidating everything they’ve worked a lifetime to achieve. Unfortunately, this benefit has become layered in a bureaucratic maze that most are unable to navigate successfully without professional help.

Assistance with Qualifying for BOTH VA Benefits and Medicaid.

Elder law is estate law that helps people who want to make sure that their assets flow to their children after they pass away, AND that they have the resources to pay for their care or to access other benefits such as Medicare, Medicaid, and Health and Human Services.

You will learn:

  • The service requirements needed to qualify for the VA pension benefit.
  • Ways to help “lower” the income for VA purposes in order to qualify for this benefit.
  • Asset transfer rules and requirements in qualifying for the VA Pension Benefit BEFORE you begin rearranging assets.
  • Revocable versus Irrevocable Trusts.
  • The four basic ways to pay for long term health care.
  • Uncover the three main questions you should ask a professional before you hire them.
  • The kinds of legal documents typically needed.
  • Plus More!

Who do you know that served during the “forgotten wars” – World War II, Korea, and Vietnam – and have reached a time in their life where they need assistance?

As your mother or father ages, the day is going to come when he or she may have a fall or a stroke and you get that phone call at work. What will happen when they are discharged from the rehab center? Are you able to quit working in order to care for them? How will you pay for an assisted living facility or home health care so you can continue your career?

Listen to how one family dealt with long term care for their father.

Is there anything I can do if Mom or Dad has to go into an assisted living facility or nursing home in the next few weeks?

The costs of long term care can be one of the most daunting challenges. Thousands and thousands of dollars may be spent, income alone may not be enough to pay bills, and then a lifetime of building assets can be drained trying to pay for care. There is care assistance help, particularly for those who served their country during war time.

CLICK HERE for Immediate Access “How a Little Known VA Benefit Can Provide Monthly Financial Support”

What is “Assistance”?

“Hands-on” care related to personal hygiene or functional Activities of Daily Living (ADLs), which are routine activities that people perform every day without needing assistance.

  1. Personal hygiene – bathing, grooming and oral care.
  2. Dressing – the ability to make appropriate clothing decisions and physically dress oneself.
  3. Eating – the ability to feed oneself though not necessarily to prepare food.
  4. Maintaining continence – both the mental and physical ability to use a restroom.
  5. Transferring – moving oneself from seated to standing and get in and out of bed.
  6. Mental impairment such as dementia or mental illness.

Medicaid Secrets Revealed

Learn Proven Strategies to Save Your Home and Protect Your Life Savings from Devastating Long Term Care Costs

FALSE: You’re allowed to own some property in some forms and still be eligible, but you need a detailed knowledge of the Medicaid Rules, plus skill, plus ingenuity to figure out which property in which forms are allowed and which aren’t.

FALSE: You don’t have to lose out on Medicaid because you have too much money nor do you have to go broke. You can rearrange the assets according to the rules and shelter a great deal of money.

FALSE: This is a huge myth and mistake because Medicaid counts assets in the name of the sick spouse, and everything in the name of the well spouse as well as everything in the name of both spouses, jointly.

FALSE: There is a 5 year look-back period after you apply for benefits and during that period Medicaid has the right to examine all gifts, but that does not mean gifts are not allowed. In fact, certain types of gifts never cause disqualification and sometimes disqualification may only be for a month or two.

In this Free, No Obligation Educational Resource you will get answers to:

  • How to shelter a lifetime worth of assets and protect your family and your home.
  • How to access Medicaid and VA Benefits without giving up the house and assets.
  • The service requirements needed to qualify for the VA pension benefit.
  • Ways to help “lower” the income for VA purposes in order to qualify for this benefit.
  • How not to give away assets in order to protect your legacy and qualify for Medicaid.
  • The four basic ways to pay for long term health care.
  • Uncover the three main questions you should ask a professional before you hire them.
  • All the various benefits veterans may qualify for, and don’t even know it.
  • The kinds of legal documents typically needed.
  • Plus More!

Professional advice on how to access Medicaid and VA Benefits without giving up the house or assets using a trusted step-by-step process that literally walks you through a complex and bureaucratic system.

GET INSTANT ACCESS

Free, No Obligation

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Getting the help you need from the Plain English Attorney…

About Jeffrey G. Marsocci, the Plain English Attorney

My name is Jeff Marsocci. I’ve been working in the field of long term care planning as an attorney for 20 years. As an experienced planning professional, VA Accredited Attorney, and a Certified Medicaid Planner™, I am happy to help you learn the basics of Care Assistance Planning for veterans, their spouses, and their widows and widowers BEFORE you begin rearranging assets.

One thing I can tell you about long term care assistance qualification is that it is never simple and it is never a matter of taking the same couple of steps that everyone else does.

Something else I have learned over the past two decades is that everyone’s situation is unique, and getting one little thing wrong can cause the entire plan to implode. Knowing the rules around the Aid and Attendance Pension Benefit can lead to proper planning, creative solutions, and often can help with possible Medicaid long term care assistance qualification down the road.

About David L. Cole, VA Accredited Claim Agent

David Cole, a California native, joined the Air Force after high school during the Vietnam War as a combat historian with the 22nd Bomb Wing of the Strategic Air Command. After receiving an Honorable Discharge, David went on to build a successful employee benefits consulting firm, which was acquired by Wells Fargo in 2000. For the next six years he worked with Wells Fargo as Vice President, Employee Benefits Division with a focus on 401k, pension, and other employee benefit plans.

In 2006, he relocated to North Carolina and established an independent advisory business focused on retirement resource planning and the long term care needs of Senior War-Time Veterans.

David Cole of Senior Veterans Council

Do you want to know how much assets you can shelter?

Call us today and learn how this benefit can work in your unique situation – 919.518.8237