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Without these Simple Forms – Your Life’s Savings May Quickly Vanish Due to Unexpected Nursing Bills!

FACT: PRESENTLY NURSING HOME BILLS RUN $5,000 to $8,000 A MONTH, NOT
COUNTING MEDICINES OR SPECIAL DUTY NURSES

FACT: The average person admitted to a nursing home spends ALL of THEIR FAMILY SAVINGS
on nursing home care within 12 months of admission – yes, in less than one year.

My name is Mike Goodson, I am the President of Goodship Group Inc. With over 33 years of experience as an Attorney I felt compelled to write and publish Your Guide to Long Term Care and Protecting Your Assets. “Your Guide” is easy to follow with step by step directions on using it’s simple forms. You should be able to finish in a few minutes.

When my Dad was in his 70’s, he developed Alzheimer’s. At that time I experienced dealing with nursing home problems and the ordeal of a family from having to pay high nursing home bills.

My mother kept my dad at home as long as possible, however, the burden of keeping him at home eventually became too great for her and dad was moved into a nursing home. By the time my Dad died, ALL of my mother and dad’s life savings had been spent. This included the money from some land they inherited. After my Dad’s death, my mother lived another 10 years, but her income and resources were very limited.

Even though I was an attorney at the time my dad got sick and I had worked as an Estate Planner in the Trust Department for a large bank, I did not know about Medicaid and nursing home expenses.

It was only after my dad died I discovered that – with a little planning – Medicaid could have paid for his care and my parents could have kept a large portion of their assets. The last 10 years of my mother’s life might have been much less stressful on her.

After years of talking with older adults and their families about Nursing Home Costs and preserving assets for spouses and future generations, my wife encouraged me to write Your Guide to Long Term Care and Protecting Your Assets. “Your Guide” is written in “plain language” as a “hands on reference” to help YOU and YOUR family understand how to LEGALLY plan ahead for the financial burden that can be caused by long term care.

I’ve recently updated “Your Guide” to take advantage of the latest changes in the Federal law which became effective February 8, 2006.

From my personal experience, I realize that most lawyers don’t understand nursing homes and the role Government plays in paying for nursing home bills because they generally don’t deal with these issues and aren’t familiar with it.

“Your Guide” contains FORMS AND CHECKLISTS that are easy to follow – with step by step directions that anyone can follow.

Over the last 20 years I have talked with Seniors and their families about Protecting Assets for the “spouse left at home” or the children or the grandchildren.

When I ask Seniors:
Do you want to protect your family home or your CD’s or other money in the bank for your “spouse left at home” or children?
The answer is YES

Do you have a place at the lake or beach condo or land you bought or inherited from your family that you want to remain in your family for the benefit of future generations?
The answer is YES

What puzzled me for the longest time was that only about 10% of the SENIORS who wanted to Protect Assets would actually take the LEGAL steps necessary.

I determined there are TWO major reasons why so many SENIORS don’t take action:

1.The first reason SENIORS don’t take action is a problem we all have in life -
PROCRASTINATION

2.The second reason SENIORS don’t take action: THEY DON’T KNOW WHERE TO START
OR HOW TO MAKE A PLAN.

Your Guide to Long Term Care and Protecting Your Assets, 2^nd Ed, was written to HELP YOU GET STARTED and TO MAKE THE PROCESS EASY.

I want you to KNOW, THE GOVERNMENT has figured out that most Seniors are going to PROCRASTINATE or NOT MAKE A PLAN, that’s why the Government requires Seniors to PLAN AHEAD in order to take advantage of GOVERNMENT MEDICAID NURSING HOME BENEFITS! IT’S THAT SIMPLE!

FACT: The Government wants you and your spouse to spend almost all of your money before
helping you with Nursing Home Expenses.

FACT: By planning ahead, you can get Government help with Nursing Home Expenses

The U. S. Congress, through FEDERAL MEDICAID LAWS, allows you to get help in paying expensive nursing home bills. These Federal Laws provide LEGAL METHODS to make gifts or transfers of your assets (ie home, savings, beach condo, lake place, land) to family members or perhaps charities.

However, for you to take advantage of FEDERAL MEDICAID LAWS you must PLAN AHEAD!
MEDICAID is the only Government program that helps pay for Nursing Home Expenses.
The Federal Government primarily funds MEDICAID, therefore, STATES must comply with FEDERAL MEDICAID LAWS.

“Your Guide” is not about beating the system or breaking the law. It’s about using the law to

MYTH: Most older adults, and their children, assume that because they are over the age of 65 and
because MEDICARE pays for their doctor bills and hospital bills that MEDICARE will pay
for long term nursing home care.

FACT: MEDICARE will not pay for your long-term nursing home care. Your Guide explains about
Medicare and Medicaid and what each pays!

You probably have heard:
MYTH: A person receiving Medicaid Nursing Home assistance can only own Assets of $2,000
or less in some states.

FACT: NOT TRUE – COUNTABLE ASSETS can keep from qualifying, however
             NON-COUNTABLE ASSETS Will not prevent you from qualifying – With proper planning
             you can protect COUNTABLE assets or convert Countable Assets into Non Countable
             Assets and QUALIFY FOR MEDICAID ASSISTANCE. The answers are in “Your Guide”

MYTH: Almost all Assets owned by a husband and wife must be sold before the nursing home
patient can get help from Medicaid with Nursing Home Expenses

FACT: Most Assets owned by a husband and wife can be protected for the benefit of the “spouse
left at home”. “Your Guide” will help you protect these assets.

MYTH: the lake cabin, land inherited from parents, etc. must be sold and the money used for
nursing home care before Medicaid will help with nursing home expenses.

FACT: Some assets a husband and wife own may prevent you from getting Medicaid assistance
unless you have Planned ahead “Your Guide” has a plan for YOU.

MYTH: Single persons including widows cannot protect their assets from high nursing home
expenses

FACT: Single persons, including widows, can protect assets if they plan ahead.
“Your Guide” has a plan for YOU.

Planning ahead can help you qualify for MEDICAID Nursing Home Assistance sooner.

I have priced“Your Guide” very reasonably.
Most lawyers experienced with Medicaid Planning charge $2,000 to $3,000 to develop a Medicaid
Plan. In some areas of the country it could be as high as $5,000.

“Your Guide” was written to give you an easy to follow - step by step directions that anyone can follow.

With the checklists and forms in “Your Guide”, you should be able to develop a plan in a few minutes.

A little used provision in the Federal Medicaid law, allows you to transfer your home to a child one
day and qualify for Medicaid Nursing Home expense assistance the next day.
“Your Guide 2ed” will help you take advantage of this provision.

The following statements are common myths and misunderstandings about Medicaid and Nursing
Home Expenses:

MYTH: Health insurance will pay for long term nursing home care
MYTH: If you give away your home you will not get Medicaid assistance
MYTH: You must spend all your savings on Nursing Home bills before Medicaid will help
MYTH: If you give $15,000 to a child you cannot qualify for Medicaid NHA for 60 months
MYTH: People getting Medicaid for Nursing Home Expenses get substandard care

Your Guide gives you the TRUTH about these MYTHS and many more misunderstandings

Recently a husband became ill. It was a Stroke but it could have been a sudden heart attack. Based on the Doctor’s diagnostics the wife knew she could not take care of her husband at home so the husband was moved to nursing home. Based on advice from well meaning relatives she sold their family home and moved in with them. The money she got from the sale of the home she put in the bank.

Most of the money she got from sale of the family home was spent on nursing home bills for her husband before she learned she could have done Medicaid Planning and saved the family home for her to live in for the rest of her life.

MYTH: Many older adults and their families are being told they will be forced to sell the family
home or spend their entire life savings to pay for long-term nursing home care.

FACT: A husband and wife have protections under the Federal Spousal Impoverishment Act.

MYTH: Single persons, including widows, can not protect assets from nursing home bills

FACT: SINGLE persons, including WIDOWS, can protect assets under FEDERAL MEDICAID
LAWS. They must plan ahead!

MYTH: A person can put all their assets in a Living Trust and still qualify for Medicaid

FACT: There are dangerous PITFALLS involving qualifying for Medicaid and putting assets in a
LIVING TRUST and then expect to qualify. Unfortunately, People are paying thousands
of dollars to have their assets placed in a Living Trust.

My Dad’s Alzheimer’s started with a little forgetfulness. Over time it developed into Alzheimer’s.
My parent’s had plenty of time to Plan Ahead. However, they put it off and nothing was ever done to
protect assets for my mom.

Don’t do like my parents and wait until it’s TOO LATE!

ORDER

YOUR GUIDE TO LONG TERM CARE AND PROTECTING YOUR ASSETS,2ed

When it comes to protecting your assets you must look after yourself –
YOU ARE ON YOUR OWN!

CALL AND ORDER NOW!