Paying
for Alzheimer’s Care can be nearly as devastating as the
disease itself, ... and it's probably one of the last things
you want to think about ... but if you can spare a moment I’d
like to show you ...
"How Alzheimer's Families
CanImmediately Stop
Depleting Assets, Draining Nest Eggs And Finally Gain Back Your
Control."
From the Desk of Brian Willie, Elder Law
Attorney
Friday, 3:22 PM
If your family is dealing with
Alzheimer’s you have more than enough to worry
about.As the mind and body of your
loved one starts to shut down, they will need help-- especially
when the need for long-term care is close at
hand.
Sadly, the medical symptoms
can’t be reversed at this time, BUTTHE STRESS AND WORRY OVER THE COSTS,
CAN!
Dear
Friends,
We still don’t understand exactly how
Alzheimer’s disease damages the brain, but we do know that it
strikes gradually and ferociously.And, the financial strain put on families can
be just as unkind.
I’m sure you’re more
than aware how difficult this disease can be emotionally,
physically and financially. It can literally make you feel
helpless. The negative impact on your health, employment,
income and financial security can cause you to experience
high levels of stress and depression.
According to the
Alzheimer’s Association, almost 10 million Americans act as
Alzheimer’s caregivers, providing some form of care to loved
ones with Alzheimer’s or other forms of dementia. Annually,
this adds up to a staggering 8.4 billion hours of unpaid
care.
Yet ironically, with
billions paid out in government benefits, close to57%
of Americans receive NO FINANCIAL
SUPPORT from
Medicare, Medicaid or any other government
programs.
Financial support that
your family is entitled to know about, apply for, and in many
cases receive!
I know how hard this
wretched disease is to deal with. Like you, I have watched
someone special change before my eyes, and I understand how
frustrating and overwhelming the disease can
be.
I’ve experienced the
stress of dealing with someone who seems deliberately
difficult or who fails to recognize that something is even
wrong…and how a life that was once filled with exuberance has
been reduced to the heartache that they may now not recognize
you.I know how hard it is to focus
on anything else, let alone money.
But, eventually you
will have to prepare for your loved one’s long-term care…and
theliterally
shocking costs that you will
face.
Find Comfort in Knowing Your
Financial Options
There are many ways to relieve the financial burden
that occurs with Alzheimer’s disease. But getting
assistance from Medicare, Medicaid, the Veteran's
Administration and other public sources can be so
complex that many people who deserve help simply never
figure out how to get it.
And, finding out what programs you can qualify for is
a hugely time consuming process. I’m sure you’ve talked to
doctors, social service professionals, read books and visited
informative websites. The sad reality
is however, that much of the advice you will receive is outdated
or just plain wrong.
Let’s take a quick look at some of the programs out
there:
Medicarewill
pay some nursing home costs when skilled nursing or
rehabilitation services are required. But, you must use a
Medicare-certified nursing home and you must receive care
immediately after a hospital stay, but only up to 100
days with only 20 days paid in
full. So if you are
facing long-term care in a nursing home for more than 100 days,
Medicare will eventually run out. And, Medicare can’t
help you if your loved one is in an assisted living facility and
Medicare for in-home care is very limited.
Medicaidwill
cover most nursing home costs for people with limited income and
assets. But, eligibility varies by state and will only pay for
facilities certified by the government. Many people
believe the limited income and assets requirement means
they could never qualify for Medicaid. But, in many
cases, they are wrong. There are steps you can
take to preserve your savings, car and even your home, and
much more. Millions also believe that they would never need
Medicaid, but the statistics paint a different
picture: the average person runs out of their
money after less than 26 weeks in a nursing home. Other
statistics put it at less than 14 weeks.
Veterans’
Benefitsare available to
veterans and widows of veterans who meet certain criteria.
Most people are
unaware of a little known benefit that acts as a pension simply
for being over 65.
I’m not talking about an insignificant amount of money either.
In many cases it can add up to more than you receive from social
security. Up to about $1,900 per month!
However, the majority of people (about half of all
nursing home residents and most residents who use at home care
or who live in assisted living facilities) pay costs out of
their own savings. This is called Private
Pay.
When your loved one pays privately, their money is eaten
up by ever rising long-term care costs until
eventually they become eligible for Medicaid.
Still some people never become eligible because they either
don’t understand their options, or they have somehow violated harsh
Medicaid rules—even years ago when nursing home care was
the furthest thing from their mind.
There’s no doubt in my mind that Alzheimer’s disease robs a person
physically, mentally and financially, but with the right
information and a little pre-planning you can minimize the negative
impact your family will face.
And, there’s no time like the present to prepare.
It’s Like Winning the Worst
Kind of Lottery...
You see; the number of Americans who survive into their 80s and 90s
is expected to increase (because of advances in medicine, medical
technology and social and environmental conditions). Yet, the
frequency of Alzheimer’s disease and dementia also increases with
age, so the number afflicted with this disease is expected to
rapidly grow.
In fact, as
many as 5.2 million
people in the United States are living with
Alzheimer’s (That’s 16%
of all women, and 11% of all men in this Country. Now that is
truly scary)
No one can predict with 100%
certainty that our parents will not be affected; that
we will not
be affected.
The question
becomes: will you be able to cope with the $2500 to
$6000or more needed per
month to keep your loved one at home with in-home health care,
at an assisted living facility or in a nursing
home?
How long will
Medicare support you? Will you be eligible for Medicaid? Can you
qualify for a Veteran’s Benefit that can provide tremendous
support to offset costs?
Will you qualify for benefits or will the
eligibility rules change and become more rigid?
But, for now,
what I do know is that there is just so
muchmisinformation out
there.
Social workers, long-term care workers, hospital discharge
planners, nursing home administrators all mean well, and are
trying to help, but they don’t have the expertise to look at the
“big” picture.
So a lot of bad advice is being
passed out. Advice that can cost you
thousands in extra care costs.
Even financial planners who you might trust to help
you make decisions about how to qualify for benefits are often
driven by financial incentives (commissions) and can provide
highly damaging advice.
Being Misinformed Just Creates
Added Problems and More Fear
It’s not my
intent to scare you or to create more stress and worry. You have
enough to worry about. But if you are caring for someone with
Alzheimer’s ... even if you suspect Alzheimer’s and are noticing
some early symptoms ... you need to know what financial
options are available, and start protecting your family’s
finances and assets to prepare for the extraordinary costs
ahead.
And, in a moment I’m going to show you exactly how
to do this, but before I do, let me share a brief story with
you.
I’ve Been Exactly Where You Are
My Grandma Betty on her
birthday
I’m Brian Willie and I have witnessed firsthand, the
cruel impact Alzheimer’s and other diseases have not only on
the person with the disease, but on their friends and family
members as well.
I was in my late 20's when my Grandpa Gene was
diagnosed with Shy Drager disease (a
rare disease that has symptoms similar to Parkinson's but with
elements of progressive dementia, like
Alzheimer’s).
My Grandpa
Gene and Grandma Betty were average seniors. They owned a modest
home and a single car. They had worked hard all their lives and
managed to tuck away a little money, but mainly lived on two
social security checks and a very small pension.
Over the
years I watched Grandma Betty do an amazing job of trying to
care for Grandpa Gene. But, eventually it just
became too much for her. As the disease progressed, my Grandpa
required around the clock care. She needed help and she needed
it quickly.
And, while
getting the best possible care was a huge concern, an
unspoken concern was: How in the world was my Grandma Betty
going to pay for that care?
I saw my
whole family struggle to find financial help and noticed how
much money they wasted on advice from Estate Planning firms,
Financial Planners and CPA’s--professionals who knew how to deal
with finances and investments and planning for what happens at
the time of death, but had no clue how to help those who would
outlive their money and assets.
In fact,
this difficult time influenced me so strongly that it actually
helped me become the person I am today – an advocate for the
elderly and an elder law attorney.
Since then, I’ve been on a personal mission to help
families-families just like yours to sort out this maze of
government rules and teach them how to unlock benefits many
don’t know exist.
My
dedication to Elder Law dates back to 1995 when I struggled to
help my grandparents find the answers they
needed.
In my
career as an Elder Law Attorney, I’ve helped so many families
face their fear and come out on the other side in a position to
move forward knowing they have taken the best steps to protect
their loved ones.
In my law
practice, while I do handle traditional Estate Planning
services, which involves “what happens to my assets when I die"
my primary focus is actually on “what happens when I
outlive my income or my assets?" It is critical to answer both
questions. In fact, people today are
more likely to
outlive their income and assets due to an illness
like Alzheimer's which requires them to need long-term
care.
Today,
people are living longer and longer--
But through proper long-term
care planning, you can legally protect your assets so that
you don't outlive them and can even pass them on as an
inheritance.
You see; at a time in their life when the burdens of
life should be lifted, our seniors are
suffering!
I not only
started my elder law practice, but also created this
program to help everyday people just like my
grandparents and your husbands...wives..your mothers and fathers
find the answers they so badly need, so YOU can preserve as much
money as possible.
Most seniors don’t have the kind of money
needed for long-term care costs. Most don’t know what programs
are offered or if they are eligible
forassistance.
Many people are lost and confused over the qualification
process and no longer know what information they can
trust.
What Happens To Surviving Family
Members?
When families do nothing,
they
oftenlose everything: their nest
eggs, their home and their children’s inheritance, as they
struggle financially to pay for the long-term care that’s
needed.
Of course, it’s not the family’s fault. It's not your
fault.
Even, if you were among the 2% of Americans who
actually own a long term care insurance policy, you’d probably
find that your policy contains a lot of coverage-limiting fine
print.
Many policies exclude things like at-home care or the
cost of assisted living, but families don’t find out until it’s
too late. Long term care insurance policies may also end after a
short period of time, and you can find yourself back in the same
position. Too much money to qualify for government programs, yet
not enough to pay privately without eventually just running out
of money.
Plus, people from Medicare and Medicaid are
taught to withhold money, much like insurance
companies. They make the application process so
confusing and it’s often difficult to get answers. It seems like
the mentality of our government benefits
programs are to “deny…delay..”In a
sense, they are just hoping that if they make it so difficult to
understand-you will give up and go away.
I’mangered
by the frustration families feel ... by the bureaucracy of
today’s system ... and the “insurance- like” mentality of the
government to deny first and ask questions
later.
I don’t think it is right that families who work so
hard and have saved some money, own a home…have invested wisely…
are asked to give it all up to pay for this horrible
disease.
It’s Best To Get Professional
Advice
What families really need is a firm understanding of the costs of
long term care (in-home health care, assisted living, nursing
homes, etc) and how each of the main government programs work, and
more importantly, how they all fit together, so that you are
well equipped to help your loved one plan
ahead.
But, I also
believe that this advice needs to be comprehensive, yet
affordable.
Not everyone has the financial resources to invest upwards of $3000
to $12,000 for an Elder Law Attorney to help
them. Most
elder attorneys charge $250.00 to $350.00 an hour or more,
and depending on the complexity of your situation you could
be looking at thousands in consultation and planning
fees.
Until NOW!
I’ve come up with a way for you to get literally thousands of
dollars of Elder Law guidance for a complete fraction of the
cost.
So if you’d like to end the confusion about how our government
benefit programs work ... such as Medicare, Medicaid and Veteran’s
Benefits…and find out how each of these programs overlap and can
work together... and how by learning specific rules, you
could literally save thousands or even
hundreds of thousands of dollars in long-term
care costs-- then this program is right for you.
Every day I work with families…families just like yours who can’t
seem to sort through the complexities of our system. (The rules are
forever changing and can be so confusing.).
Many of you have told me that you need help. And, I’ve heard first
hand how you’ve spent hours researching on your own, only to end up
confused, frustrated and spinning your wheels.
So BEFORE you invest thousands of dollars
with Financial Planners, or CPA’s and get potentially damaging
advice ...
BEFORE you
sell your loved ones home or drain your family’s
life-savings...unnecessarily
BEFORE you spend money to hire an Elder Law
Attorney,
and most importantly
BEFORE you do the wrong thing and fall into
the traps so many people do--traps that end up costing them
thousands...I’d like to present an affordable alternative to
you.
How Would You Like To Learn the Exact Rules
Elder Law Attorneys Use Every Day, So You Can Finally Make
Well-Thought-Out Decisions?
You see, I’ve prepared a comprehensive package that can help you
trim countless hours from your research and give you a keen
understanding of how each program works.
The bottom line is that I've put my heart and soul into this
project, and nothing is being left out.
I’ve literally
spent more than 200 hundred hours putting together this
complete, comprehensive package for you.
This is a
COMPLETE program that will help you understand all of the major
financial and long-term care planning decisions you will face
when Alzheimer’s disease has invaded your
life.
... Plus, stop you from having to fork over thousands for legal
advice, until you’re ready to take specific
action.
And, it’s been all been laid out for you... in a
logical, easy-to-follow manner ... so you’ll know exactly
when these critically important planning details need your
attention.
This is truly a one-of-a-kind program that will provide accurate
answers so that you can then make well thought out, informed
decisions that will prevent you from taking a wrong
turn which could cost you thousands.
This is not another book on Medicaid, or some article
on how a Veteran's Benefit "may" be available to you. One of the
main reasons I created this program is that everyone who has
written books seems so secretive about how each of these programs
work in great detail. The books out there give you only
one small piece of the puzzle, but then leave it up to you to
figure out how it fits in to the big picture.
This is literally the nuts and bolts of
everything you need to know about how you go
about qualilfying for the important government programs you may so
badly need so that you don't go broke paying for Alzheimer's
care.
How Can This Program Help
You
Save Money?
You’ll
understand exactly what planning is needed, when to do it, and
most importantly how to avoid all the traps and pitfalls when
trying to qualify for government benefits.
These traps
and pitfalls are the #1 cause of people being disqualified
from receiving the benefits. These are the innocent mistakes
people so frequently make that end up costing them thousands
and in some cases hundreds of thousands of dollars. Why?
Because they are forced to pay privately with their own
funds, or borrow from their friends and families because they
were either denied or told they must ride out stiff penalty
periods--periods of
ineligibility.
But there really is a better
way...
You’ll
not only be pointed in the right direction, (heck I'll
practically drive you there!) so you can find out
what your alternatives are, before you make costly mistakes such
as selling a home or transferring savings, or adding loved ones
to joint accounts.
You’ll walk away with an absolutely firm
understanding of exactly how the system works, what
questions to ask, and the information you’ll need to get the ball
rolling.
Of course, at some point you may still need to see an Elder Law
Attorney, but you’ll be far and away ahead of every other person
walking into their office, because you’ll have been able to take
the right steps and more importantly avoid the
missteps so many people take-steps that cost them
thousands and sometimes hundreds of thousands of dollars. You’ll be
completely prepared for your consultation, and likely able to
substantially reduce your consultation time and
costs.
More importantly-knowledge is power. And to date, no
program like this has ever been created.
This will
be you receiving an easy-to-follow, step-by-step education on
exactly how this works, directly from a highly experienced
Elder Law Attorney.
And…with that knowledge you can finally stop spinning your wheels
trying to figure out the big picture of how all of these programs
work and how they tie in together. This is truly a once in a
lifetime opportunity to learn the rules that top elder law
attorneys rely on…and use them to go out into the world and
help your loved one in a very real and meaningful
way.
Introducing....
"ULTIMATE ALZHEIMER'S CARE RESCUE
PROGRAM"
6 Complete Learning
Modules
With this program you'll get 6 comprehensive
educational modules-all laid out in detailed
audio recordings--allowing you to listen
anywhere and at anytime. It's so easy, you can literally
just push play and
the recordings will start, or if you like,
feel free to download any or all of these audios and put them on
a cd or mp3 player. Note: This is an instant
digital download, nothing will be shipped which allows me to
keep the cost of the program way down because I don't have the
inventory and shipping costs.
I’ve recorded these as audios so it won’t take away
from your already hectic lives. You can listen on the way to
work, while cleaning the house, or while soaking in a hot bath.
While videos are
good for some programs-they end up tying you to your computer to
watch them. I want to free you from this so that you can learn
this material anytime.
And, there’s no need to fumble through pages of
complicated legal jargon. I’m going to take you by the hand
through the entire process. Simply listen as I explain each
step, each detail, in easy everyday language! No legal mumbo
jumbo here.
Look
at Everything This
Program Offers:
6 COMPLETE
LEARNING MODULES:
Module #1:
Estate and Life Planning:Critical Steps To Take
Now
3 Critical
Documents ALL Seniors Must Have:
You’ll hear about three of the most important
documents and what they must
contain.
Power of Attorney Documents: Discover
powerful language that almost always should be
included, but rarely is. Not having this
can prevent you from receiving benefits without
significant court
involvement
Dealing with Inconsistent Bank and
Hospital Requirements: You can put in place power
of attorney documents you think will work and they
may just tell you differently. I'll show you how to
avoid this.
How to avoid a Conservatorship or
Guardianship: We’ll talk about these very
expensive, time consuming and emotionally draining
court proceedings. They can cost $5,000-10,000 or
more in legal fees and many families facing
Alzheimer’s require them. Learn this one thing
and it could be worth the entire price of this
course.
The first thing you must
do if your loved one has NO documents
in place: You’ll hear all about legal and mental
capacity for your loved one, and tests doctors and
lawyers must use to determine capacity. You'll also
learn what to do if they do not have
capacity.
Why use of
"gifting" in estate planning
could shatter your chances of
getting Medicaid and can cause major income tax
problems for your loved one who receives the
gift.
Discover 3 significant
mistakes 85% of families make: These
three costly mistakes can ruin your chances of
getting government assistance, stop you from
qualifying for Medicaid, and cost you thousands
more than necessary
Learn all about estate planning. You'll
walk way with a complete understanding of what an
estate is, and exactly how estate planning works.
You'll also clearly understand how estate planning
factors in to the government programs we'll discuss
in later modules.
Minimum Estate Planning: The Will: You’ll
understand the legal requirements needed to make
your Will valid – and why there is really only one
type of Will that’s best. You’ll learn why
the “sweetheart” will you may have in place now can
come back to haunt you.The Use of
Revocable Living Trusts: This section explains what
Living Trusts are, and how they are normally used
in estate planning. Plus, why they are generally
totally inappropriate for an Alzheimer’s
patient.
Why
following the
advice of a normal estate
planning attorney, financial planner or
CPA can actually keep
you from receiving
government paid care for months and in
some cases years!
Module #2:
Introduction to
Medicaid:What Every
Family With Alzheimer's Must
Know
What is
Medicaid: What it covers, exactly how
it works, and how it relates to in-home health
care, assisted living stays and nursing home care.
You'll also learn why most people wrongly
believe that they will never need Medicaid, and the
devistating consequences of holding on to this
belief.
All about the Medicaid
Application Process: How long it will
take and the steps you can take while you wait.
What you can do if you are
denied
Common Medicaid
Myths Put to Rest: You’ll understand
how Medicaid works and why this financial resource
proves to be a benefit for 45% or more people with
long-term care needs
Discover the Best Time To
Apply for Medicaid! See why applying
too soon or too late can damage your chances of
getting benefits.
Medicaid Income Qualifications: Find out
how much monthly income your loved one can
have to qualify. What happens to the
income once you qualify: how much can be kept and
how much must be applied to their
care.
Learn everything you need to know about a
"Miller Trust” and how it can help your loved one
qualify for Medicaid even if they have too much
income. Plus, what most “Miller Trusts”
must contain. Plus, find out if your state
is an "income cap" state--meaning that without a
Miller Trust, if you have too much income, you
would be automatically denied!
All about Assets- Exactly which
assets Medicaid counts, and which ones
they do not. How Medicaid protects your family
member’s spouse using a fair division of assets.
You'll learn all about how you can protect your
home, car, personal belongings and much
more!
Medicaid Transfer of Asset
Rules: Get these wrong and your loved one
will be ineligible for months or even years.
It’s that
serious.
All about the “Look Back
Rule” and how it changed dramatically
in 2006. Finally, the confusion is put to rest.
You’ll know what penalties could apply; what
happens to assets if they were transferred during
the “look back” period, and why most people are
denied benefits because of the confusing “Look Back
Rule”. Plus, how misinterpreting this
puzzling little rule can cost you
thousands if you don’t get it
right.
How to protect the
home of your loved one: Find out
about a critical form that
absolutely must be filled out.
How much home equity you can have and
still qualify
2 Critical Ways Medicaid Protects
the Spouse of an Alzheimer's
Patient--calculations and special rules Medicaid
uses when an applicant is married and requires
nursing home care.
How seemingly innocent transfers of
assets - such as adding your son or
daughter to a bank account - can
create devistating
penalties and long periods of
ineligibility.
Discover why confusing gift tax rules
with Medicaid rules can be a sure-fire recipe for
disaster!
Annuities and Medicaid: Key
questions to ask annuity sales people.
You'll learn about the only type of annuity that
works and the precise language that must be used in
order for it to be valid. And, how states are
getting sneaky when it comes to annuities and the
latest pitfalls to avoid.
Module
#3:
Medicaid
Planning:How To Qualify
When You Have Too Much Income Or Too Many
Assets
You’ll soon understand the latest
techniques Elder Law Attorneys use everyday to help
Alzheimer patients qualify for
Medicaid.
The legal and ethical ways to
overcome the most rigid Medicaid rules.
You’ll know how to proceed and the best way to
pursue Medicaid eligibility
How to effectively Deal with Too Much
Income!
How to take what Medicaid hands you as an
opportunity. You wouldn’t think of filing an income
tax return without taking every available legal tax
deduction would you? This is the same thing, only
with Medicaid. I’ll explain it all
here
6 ways to convert a “countable”
asset to a non-countable asset. Learn
these, and Medicaid will ignore these assets when
it determines if your loved one
qualifies.
Which transfers are subject to a
penalty and which are NOT! Why Medicaid
may treat your house as a non-countable asset when
it comes to qualifying but "yank" your Medicaid
eligibility the minute you sell or transfer your
house to a loved one.
Why the dreaded “spend
down” is often a
myth that does not apply if
you do things correctly
Get at least 27 tested
strategies to increase chances
of receiving Medicaid: Learn all about Medicaid and
the ease of qualification once you know the key
strategies to use.
How to avoid the Medicaid
Trap!
How to help loved ones with Medicaid
planning, even if they don’t have mental or legal
capacity to make decisions.
Module #4:
Medicaid Estate Recovery:The New Threat
The Latest Medicaid
Threat! How many States end up paying
themselves back for Medicaid benefits… and why that
should scare you.
Tips, strategies and techniques to
protect your loved one’s home, savings and
other assets from Medicaid swooping in
after they have passed away and trying to take it all
to pay themselves back for the benefits they
paid.
Warning: All
those assets you protected when your loved one was
alive, can be seized the moment your loved one passes
away. This section covers the steps you must take to
protect your family’s assets. (It’s so important and
extensive I’ve devoted a full module just to
this).
Module #5:
Veterans’ Benefits: Step-By-Step, How To
Qualify
You’ll learn everything you need to know
about obtaining the elusive “Aid and
Attendance” benefit from the Veteran’s
Administration.
Who
qualifies for Veteran Benefits: How much income
and assets can your loved one have and
exactly what to do when you have too many assets and
too much income to qualify
Why
so many eligible Veterans give up too soon:
And, how to avoid the same time-wasting traps
they fall into
Why
the VA just hopes you will go
away and how to get what you are entitled
to
How
a Veteran's Benefit can help your loved one
stay in assisted living facility, or at
home with in-home health care in some cases for several
years.
How
to get up to $1900 per month, every year without
reducing social security or other retirement
income. Plus, how the widow or widower of a
wartime veteran can get up to nearly $1,000 per
month.)
How to get your loved one FREE
prescription drugs and FREE medical care through the
VA! You'll learn why qualifying for a VA
Benefit does not have to be an all or nothing deal.
And, how even a receiving a few dollars per month in a
VA payout helps your loved one get free care and
prescription drugs.
Why
qualifying in the wrong way for
VA benefits can spell
disaster when your loved one needs
Medicaid down the road, (and unfortunately, many, many
people who apply for and receive the VA benefit will go
on to need Medicaid).
The "secret" the VA
is keeping from you! You'll learn why
you can call the VA, and they are likely to tell you
you make too much income to qualify. Plus learn the
"secret" they are withholding from you that makes that
not true! Hint: If you learn this ONE thing, it can be
the key to unlocking your entitlement to a VA benefit.
Yet, most people never figure it out on their own,
because the VA does not want you to know it! I'll tell
you exactly what it is and exactly how it
works.
Receive detailed
information about every form you'll need,
what must accompany the form, where to file and the 3
people or organizations that can help you … and how to
get approved more quickly and
easily.
Learn "VA
Speak." Speaking "VA" is like learning a
foreign language. I'll be your translator! You'll learn
all of their key language, what it means and how it can
help you qualify.
Module #6:
Understanding the Probate
Process
You’ll hear all about the probate process,
whether your loved one dies with or without a will.
You’ll walk away with a clear understanding of
the probate process and how to administer your loved
one's estate
You’ll find out about the role of an
executor, what duties they will be asked to perform and
what they happens if they don’t adhere to the
will
Ways to Minimize Probate
Hassles! Or even better, how to avoid probate all
together! But, you'll also learn
why some common probate avoidance techniques can kill
your chances of receiving other forms of government
paid care.
How
to avoid probate all together. I’ll give you
powerful techniques that can help
you avoid the time and expense of
probate.
Early Praise For "Ultimate Alzheimer's Care
Rescue Program."
Dear
Brian,
"Your program is very complete & detailed. Any
one who needs information on medicaid planning
& strategies, to qualify for medicaid
service...I do recommend Alzheimer's Care...It will
give you information that you will need before you
apply for medicaid, or Veteran's benefits. It will
also give you estate planning and probate
info."
Ned,
Eufaula, Oklahoma
"This is the
kind of information I have been needing
desperately for 3 yrs or more already, with my
husband being one of the youngest to ever
suffer from this dread disease before the age
of 55. I would like to volunteer some time to
being a personal testimony at any promotional
meeting introducing your program. This is a
cause I want to take up a banner for, to assist
as many others as possible"
Brenda,
Austin, TX
"I have only
listened to a couple of the recordings so far,
and they seemed quite informative. It is
inspiring me to review and refine my estate
documents. The process of downloading the
materials was quite painless and worked
perfectly. I have copied the mp3's to a player
for listening. I look forward to finishing the
complete program. Thanks."
Michael,
Escondido, CA
The ONLY Comprehensive Long-Term Care
Information Package for Families Facing
Alzheimer’s!
Most people are confused and frustrated when it
comes to sorting out the extraordinary costs and benefits
available to help pay for in-home health care, assisted
living costs or nursing home stays.
This
comprehensive 6 module audio course will give you all of the
right information and steer you in the right direction so that
you are in the best position possible to make the right
decisions for you and your family.
Armed with this knowledge you
will be better equipped to apply for the right kind of financial
assistance, save money on legal fees and potentially save thousands
or even hundreds of thousands on long-term care costs for your
loved one.
Taking
no action or handling your income and assets incorrectly can be
financially devastating. Not just in added legal fees
(because “crisis” planning can be very expensive), but just in
pure savings on long-term care costs.
Analysis Paralysis = The More You Study And
Read, The More Confused You
Get!
If you're frustrated, bewildered and confused
by all the conflicting information out
there, then Ultimate Alzheimer's Care Rescue
Program is THE
SYSTEM that will finally make everything as clear as crystal for
you.
Have you ever had one of those "A-ha moments," when
the answer to something that was perplexing you for ages just
popped into your head in an instant? Well, that's exactly what
will happen when you finish my program. You'll say to yourself,
"NOW I GET IT!"
All the pieces of the puzzle will finally fall
into place.You'll finally understand the truth
about how every program works and how they can help or hurt
your loved one.
My program will give you the knowledge and power to
take action without suffering from the nagging self doubts that
cause procrastination and immobilize most people. You'll move
forward on this plan with total confidence, knowing you're doing
it the right way.
Strategies That Could Literally
SAVE You $1000’s in Long-Term
Care!
And, best of all, this program doesn’t require a lot of time,
previous knowledge or any intense study at all. It’s delivered in
an easy to understand, simple to follow audio format where you can
just push play on your computer or even download the audios to put
on a cd or listen on an mp3 player. I’ve broken it all out in an
easy to understand, step-by-step manner. You can’t get this level
of detail in any book or other program, online, or offline.
Period.
It’s that powerful. And as you'll read more soon-there is
absolutely zero riskon your
part.
...Because I'm 100% committed to your
absolute success, I take a hands on approach. This means that
I continue to interact with you and help answer clarifying
questions you may have. With that said, I must limit the
number I sell to 100 Copies.
As you can imagine, if I allow too many copies to be
released, this would not allow me to serve you to the best of
my ability. So, I've decided to strictly limit access. And
spots will be gone fast. I want to be able to clearly focus
on you individually and provide you with the attention you
deserve. If I let too many people in, I won't be able to do
that, and I just don't work that way. So if it starts getting
too full, I will have to close the doors on this program and
I may not bring it back for awhile.
And since I have ALOT of people who receive my
emails and newsletter and an almost frenzy of
people who have been on my waiting list
for over 6 months to get this program, you do
have to act fast...
Try My "Ultimate Alzheimer's Care Rescue
Program"
Better Than-Risk Free, 60 Day Money Back
Guarantee!
My Iron Clad
Guarantee to
You
If at any time for 60 days
(that's 2 full months)! you aren't
completely head-over-heels, jumping
up and down with joy, absolutely
thrilled with my course, you can
simply contact me by email or phone
for a full refund of your full
purchase price.
This guarntee is very
straightforward. No teeny, tiny
print. No notes needed from mom.
Nothing. I'm only interested in
having extremely satisfied customers.
So if you aren't happy, I'm not happy
either. I'll gladly refund your
money.
You see, I'VE DONE ALL THE
HARD WORK FOR YOU! You won't have to
"re-invent the wheel" like so many
do. You can go ahead and spend a ton
of money and years to put this
information together on your own-but
why? -When I'm prepared to hand it to
you on a silver platter AND guarantee
that you'll be 110%
satisfied.
PLUS: Continuing
Support. I Won't Hit and Run on
You.
No, I won't just give you
access to all of these great modules
and bonuses and then disappear. I'm
totally committed and interested in
what happens WITH YOU. So you're
stuck with me to help you out over
the long haul!
And, It Gets Even
Better For You, Because When You Order Ultimate Alzheimer's
Rescue Program Basic Version, Today You'll Also Receive The
Following 3
Bonuses From Some Of The Top Alzheimer's
Experts-Worth An
Extra $117! Yours
Free.
As an additional bonus for ordering TODAY, you'll
also receive three FREE bonuses which were originally
previously only available to a small group of my preferred
clients.
However, I wanted to
includethese bonuses, because they are absolutely
essential to your success with the program. These bonuses are
valued at $117! But they're yours absolutely FREE when you
order Ultimate Alzheimer's Care Rescue Program
today!
Bonus #1 Mind Stimulating Activities For Your
Loved One ($49
Value)
Audio Interview with Susan Berg, Certified
Dementia Specialist, Activities Director of a Major Nursing
Home Dementia Unit and A uthor of Adorable Photographs of
Our Baby-Meaningful, Mind-Stimulating Activities and More for
the Memory Challenged, Their Loved Ones, and Involved
Professionals, a book for those with dementia and an
excellent resource for caregivers and healthcare
professionals.
Bonus #2 Secrets Of Finding The Top Nursing Homes
And Assisted Living Facilities ($49
Value)
Audio Interview with Pat Dismukes, Founder
of the National Nursing Home Advisory and Author of the Book
"5 Star Nursing Home Comparison Guide." Pat has a wealth of
experience and will teach you the
secrets to finding the best nursing
homes, what to look for, when to visit, the questions to ask
and how to spot elder abuse. You'll learn how you can
find 5 star quality nursing homes even if Medicaid is paying
and the best assisted living facilities out
there.
Bonus #3 Top Tips For Caregivers ($19
Value)
Special bonus report, "Top Tips For
Caregivers" by Denise M. Brown.
Denise began working with family caregivers
in 1990. She regularly speaks about the family caregiver
experience; her insights have been featured in The Wall Street
Journal, SmartMoney.com, Time magazine and Chicago Tribune. Denise
is also a professional caregiving coach, working with family
caregivers and professionals to find the meaning in their journeys.
She is the author of The Caregiving Years, Six Stages to a
Meaningful Journey and Take Comfort.
Life
is Way Too Short to Try And Learn This On Your Own Through
Trial And Error. Why Not Shortcut The Learning
Curve?
Why go through years of trial and error when you can -
in a matter of hours - listen to these push button easy
audios and master secrets known by less than 1% of
the population? You'll then be ready to face any challenge
related to Alzheimer's care head on, armed with the comfort that
you know what you are doing!
This is exactly the kind of information I wish
I had all those years ago when we were trying to help my Grandma
sort through the maze of
benefits!Learning even one or two of these "insider
secrets" would have short cut her timeline by at least a
year and saved her thousands. Maybe more. These are secrets most
people NEVER discover by trying to do it on their
own.
I firmly believe
thatit is now
my duty to take my years of experience and finally share with
you what I know works. Are you ready?
I Will Take You By The Hand And Teach You The
Proven Techniques Of The Smart People Who Get To Keep Their Life
SavingsAndGet Fantastic Care... Cutting Edge Information
"Straight From the
Trenches"
These are not theories written by someone
who's never done this.I practice what I preach and use this system
myself.
But the real beauty is that I have applied this same
program with countless other people from all walks of life to
help them save thousands and in some cases hundreds of thousands
of dollars! Does it make sense to listen to the "armchair
experts" who ramble endlessly about their theories while the
famlies they preach to are going poor?
Ok Brian, So What Is This Going To
Cost?
Before we get on with the cost of the program, let's talk about
what it won't be costing
you.
You could easily pay $350 per hour ... and fork over
$3000 to $12000 (or more) to an experienced, qualified Elder Law
Attorney to evaluate your situation, help you preserve assets and
qualify for financial assistance.
My one hour consultation fee is normally $350. But you are going to
get well over 7 hours of the highest quality,
most up-to-date information out there. Information presented to
you, just like you and I are sitting down together in my office.
And that's just the main program.
You will get several more hours of
extraordinary information from a team of Alzheimer's and
long-term care experts I've assembled in the bonus
section!
7 hours face-to-face with an Elder Law Attorney would likely cost
you at least $2,000. The experts I've assembled in the bonuses I'm
giving away are some of the top people in the Country in their
fields.
Now, of course I can’t promise that my "Ultimate
Alzheimer's Rescue Program" will help resolve all of
your family’s personal situation, but I can promise that you’ll
have an extremely thorough understanding of each
program available, all of the important documents you’ll need and
the best financial strategies to follow to protect your loved one's
home, car, life savings and other assets.
Let's face it, just to take your loved one to a good doctor for
one visit can cost $250-350 without insurance. And that's
just the visit alone.
You wouldn't think of attacking this disease
without a good doctor in your corner right? The same thing
goes for having the right
information about how to pay for this
devistating disease and do so
without going broke.
One way to look at this is when you
participate in my program--if you receive only one strategy
you can use which ends up saving you even
one month from having to pay privately for
at-home care, an assited living facility or a nursing
home-you would be saving a minimum of $2,500-6,000 just
from that one piece of
information!
But, I've provided hundreds of strategies, tips and
techniques that could end up saving you much, much
more than that.
Some people thought I should charge at least $2,000 for this
program, but I told them no way, that would be too
much for families struggling to find answers.
ORDER The Basic Version
Of Ultimate Alzheimer's Care Rescue
Program AND The
$117 Worth of Bonuses...
All for Just $297.oo$197! That's $100 Off
The Usual Price! But Only Until This
Friday...
Wait...Want An Even Better
Deal?
Upgrade to the "Deluxe" package and you will receive the
following newly released must have resources worth an additional
$656 and SAVE $200 off the purchase price!
In addition to the 3 bonuses above, here's what else you'll gain
instant access to:
With
The Deluxe Program, You'll Get The Main Program And All Of
It's Grea Bonuses, PLUS You'll Also
Get:
1.
The Ultimate Alzheimer's Care Rescue Program "Transcript
Companion"($250 Value). Every word of the program has been painstakingly
transcribed so that you can easily follow along, anytime.
Or just print them off and read them at your leisure. We
all learn in different ways, and the majority of people
who have ordered this program absolutely love these
transcripts!
2. Audio Interview With Top Alzheimer's
Doctor, Dr. Vincent Fortanasce (Includes Written
Transcripts)($149
Value)
Audio interview
with Dr. Vincent Fortanasce. Dr. Fortanasce is one the
foremost Alzheimer's experts in the
Country today. He is the Author of the
"Anti-Alzheimer's Prescription," (#1
for 9 straight weeks on Amazon.com in its category) the
first book of its kind that teaches you the four step
proven method to slowing the progression of Alzheimer's by
10-15 years in those genetically predisposed to the
disease and warding it off completely for the 70% of the
population not genetically
predisposed.
Dr.
Vincent Fortanasce, ranked as one of the best
physicians in America, has treated high-profile
individuals such as Pope John Paul II and Major League
Baseball Hall of Famer, Tommy Lasorda. He’s helped
thousands of individuals over nearly four decades as a
world-renowned neurologist, psychiatrist and
rehabilitation
specialist.
He
has appeared on 60 Minutes, The Today Show, Dr. Phil,
Dateline, CNN’s Paula Zahn Now, Hard Ball with Chris
Matthews, XM satellite radio and scores of national and
local television and radio shows. Frequently sought out
as a medical expert, Dr. Fortanasce is a regular
spokesperson for the California Medical Association at
the Senate and Legislature assemblies. He’s been quoted
in the New York Times, Sports Illustrated, USA Today,
U.S. News & World Report, the Los Angeles Times, Time
Magazine, The New Yorker, and many other prestigious
publications. His syndicated radio program, St. Joseph’s
Radio Presents, Mother Angelica Network EWTN, has a
listenership of more than
170,000.
You'll learn
critical information such
as:
How each stage of
Alzheimer's
develops
The time between each
stage
When it's time to
move your loved one into a nursing home (and
why it may be sooner than you
think).
How to know when it's
time to take away the
keys
Why one thing we eat
at restaurants everyday may be dramatically
increasing our chances of developing
Alzheimer's
Steps you can take
today to decrease your risk in a major
way!
How far off we are
from a
cure
Why the medicines
your loved ones are taking probably don't
work and what to do about
it.
Much much more.
This is an interview you
will not want to
miss!
3. Written
Transcripts Of My Interview With Susan Berg On Alzheimer's
Activities($27
Value)
4. A Copy of Susan
Berg's Ebook (The Top Alzheimer's Activity Book Out
There)($27
Value)
Instant
Download Access to THE
Premiere Alzheimer's Activities Book-- Susan
Berg's Ebook,Adorable
Photographs of Our Baby-Meaningful, Mind-Stimulating
Activities and More for the Memory Challenged, Their Loved
Ones, and Involved Professionals, a book for those
with dementia and an excellent resource for caregivers and
healthcare
professionals.
5. Written
Transcripts Of My Interview With Pat Dismukes: Secrets of
Finding The Top Nursing Homes And Assited Living
Facilities($27
Value)
6. Access To My
"Veteran's Benefits Resource Document."($149
Value) Here, you'll have access
to the actual charts used by the VA (all explained in detail by
me) links to the actual forms you'll need, how to obtain a copy
of your loved one's discharge papers, links to the correct
office where you'll file paperwork and a list of every
Veteran's Service Organization approved by the VA that can help
you
apply.
7. Powerful Ways To
Sharpen Your Memory Ebook.($27
Value)
WOW!
That's a TOTAL
VALUE of $656!
But you won't even pay...
$656
Not even...
$450
Or...
$350
NOPE!
When YOU order the
Deluxe package today you will get these
extra 7 incredible resources (along with the full Ultimate
Alzheimer's Care Rescue Program and its amazing bonuses) all
for...
ONLY
$497.00 $297! That's
$200 off the normal price. But it's only good until Friday. After
that, the price goes back up
But you need to ORDER
TODAY because this special limited time DELUXE PACKAGE offer is
only available for this first 100 27
people who order (and this should only take a day
or so!).
This $200 Off Sale Ends This
Friday at Midnight, So, Hurry...ORDER
TODAY!
"This is the
kind of information I have been needing
desperately for 3 yrs or more already, with my
husband being one of the youngest to ever
suffer from this dread disease before the age
of 55. I would like to volunteer some time to
being a personal testimony at any promotional
meeting introducing your program. This is a
cause I want to take up a banner for, to assist
as many others as possible"
Brenda,
Austin, TX
Why
Am I Offering This Program At $100-200 Off The Normal
Price?
I'm having this pre-launch sale as my way of saying thank you for
being my subscriber. And, quite simply, I want this program in the
hands of as many people as possible, because I know it will help
you. I'm sick and tired of people having the government rule their
lives and force people into poverty before qualifying for much
needed help. This program changes all that. Knowledge truly is
power.
Remember, this program is not only
comprehensive, but it is truly one-of-a kind...and
delivers only the most up-to-date information that
you can trust.
It’sNOT just a bunch of random
ideas
thrown together. You will be given a complete, step-by-step
understanding of how each long-term care program works,
in great detail so that you can make well thought out
decisions.
Brian, I'm Worried About Ordering
Online
Some people are worried about giving out
credit card information online. Be assured that your
order is 100% secure through McAfee Secure, the
most robust, security system online. It's tested every day,
and is used by thousands of merchants online. I've even put
together a short, 1 minute recording on the order page to tell
you exactly how secure my system is...
Order The Deluxe Version
Here
YES Brian! Give
Me Instant Access to your Deluxe version. I'll
get entire program PLUS your 3 great bonuses
valued at $117, PLUS 7 Additional Bonuses
Valued at $656-a total program value of well
over $2653, For a
One Time Payment
of Just
$497.00$297
(That's $200 off your normal
price!). If
I'm not thrilled with the program, I Will Get
a Full Refund With Absolutely No Hassle for
60 Days.
I
also understand that only copies will be made
available and that these copies are likely to be
gone fast because of the 6 month waiting list in
place.
No thanks, I'd Rather Not Have The Additional $656
in Free Bonuses And Will Take The Basic
Version
YES Brian! Give
Me Instant Access to your entire program at
$100 Off, PLUS your 3 great bonuses valued at
$117, a total program value of well over
$1997, For a
One Time Payment
of Just
$297.00
$197.
If I'm not thrilled with the program, I
Will Get a Full Refund With Absolutely No
Hassle for 60
Days.
I
also understand that only 100 copies will be made
available and that these copies are likely to be
gone fast because of the 6 month waiting list in
place.
Ready to find the answers you need?
Warmest regards,
Brian
Willie
Elder Law Attorney
P.S. There’s rarely an opportunity to
learn how you can stop depleting your assets and spending your
hard earned income on long-term care costs and I’m ready to hand
it to you to end your confusion.
P.P.S. Remember, you are completely
protected by my 60 Day, Full Money-back Guarantee. Try my "Ultimate Alzheimer's Rescue
Program" for 2 Full Months, and if you’re not
completely satisfied,
I’ll give you your money back – no questions asked, and
absolutely no hassles.
P.P.P.S. Upon purchasing, you will instantly be
taken to the download page where you can download
the Ultimate Alzheimer's Care Rescue Program and all
the great bonuses. As a backup, and just so you have them on
file, you'll also receive an email from us with these same
download links.
IMPORTANT REMINDER:
Ultimate Alzheimer's Care Rescue Program is
a downloadable program. No physical products will be
shipped. After you order, you will be directed to a
download page and you'll also receive an email (from Brian
Willie) to get INSTANT ACCESS to download all the materials and
all the bonuses onto your computer. The audio files are in a
Push Button easy format where you can just push play and listen
or download and burn to a cd or mp3
plays.
Hill Country Consultants,
Inc.
734 Allston
Way
Brea, CA
92821
DISCLAIMER. The information you are purchasing is
for educational and informational purposes only and to
stimulate a discussion among people with a common interest in
these issues. Therefore nothing contained on this site, the
information purchased from this site, nor in any follow up
materials I provide are to be construed as legal advice. This
site and all information you receive describe general,
non-specific legal information and rules vary signifanctly
from state to state. They are not intended to cover all the
issues related to the topics discussed. Accordingly, please
note that by using this site and purchasing the materials
from this site, you acknowledge that the information on this
site and continuing information provided is being provided
"as is" and not as legal advice on any matter. No income
claim or guarantees of outcomes are being made in any way. No
attorney-client relationship is hereby established between
the reader and Brian Willie. Neither this web site nor any
on-going information are solicitations for your business as a
direct client by Brian Willie or his law firm. By signing up
for this service, you acknowledge that you have both read
this disclaimer and understood its terms, and agree to
indemnify, defend and hold Brian Willie, Hill Country
Consultants, Inc. and all affilliated entities
harmless.