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Like Seriously, This Really Happened, Not Making It Up!
(Not Edited For Spelling Or Punctuation Or Anything Else) (Warning: Not Legal Advice!)

SEVERAL YEARS AT BERNIE’S?

QUESTION: What is it called when one deprives another notification of their parent’s death so to deprive them of their share of benefit?
I just found out that both of my parents have died, but years ago. After hoodwinking and railroading them, my mega millionaire sibling had taken measures to cut me off from them, before they’d died. It has been horrendous for me. Even just to find out that my parents had passed was bad enough, but that the way and how they’d died never would have happened if I’d not been cut out of their lives as I had been, after taking great and particular care of them myself, beforehand.

Short Answer: “Horrendous”? More like “Preposterous”! Mom and Dad die years ago. But until evil sibling got involved, you provided “great and particular care” that would inevitably have prolonged their lives. For years. But you, the “great and particular” caregiver, never wondered why all those Christmas and birthday cards kept getting returned? Are there no telephones? Did they live on Gilligan’s Island? Did you? I have “smell test” issues with this one… A little too self-serving, methinks

Long Answer: On the other hand, it is not unusual to see relatives who isolate and sequester disabled loved ones away from other family members. Sometimes the child acts from the best of generous, honorable motives: offering a refuge of peace for the loved one, away from family feuding, squabbling, and raw emotional outbursts. Sometimes domineering impulses, seasoned with jealousy, and spiced with greed motivate the selfish child to restrict access.

Unless there is objective abuse, usually, working out the currents of control are left to the family. Courts and judges have no interest or expertise in resolving the emotional debris of decades, and in some cases, generations. Judging from the unceasing torrent of self-help books on the subject, it does not seem that anyone else has any “great or particular” success with these heartfelt matters either. We must all do the best we can. “It’s a fool who looks for logic in the chambers of the human heart.” Joel Cohen.

Longer Answer: But this question is not all about “hearts and flowers” is it? Oh no! Our correspondent is particularly concerned that the mega millionaire sibling acted “so to deprive them of their share of benefit”. And by benefit, our correspondent means money. Or property. Or other stuff. So, what about that?
When stuff is at stake, courts do get involved. It is what they do best!

UNDUE INFLUENCE!
“Undue Influence.” is the legal theory. Here is how it works. Four (4) scenarios. Mom has money. Mom also has 2 children, A and B.

Scenario #1 No Undue Influence
1. Mom likes Child A better. And always has.
2. For years, without change, Mom’s will or trust leaves all her stuff to Child A.
3. Mom lives and acts independently.
4. Mom up and dies.
5. Child A gets everything. Child B is sick as mud.
6. Child B can go pound sand.

Scenario #2 Challenger Must Prove There WAS Undue Influence
1. Mom likes Child A better. And always has.
2. Recently, Mom, changed her will or trust to leave all her stuff to Child A.
3. Mom lives and acts independently.
4. Mom up and dies.
5. Child A gets everything. Child B is sick as mud. Child B sues.
6. Child B must prove that Child A unduly influenced Mom. An almost impossible task.
7. Child B can go pound sand.

Scenario #3 Defender Must Prove There WAS NOT Undue Influence – Formal Fiduciary
1. Mom likes Child A better. And always has.
2. Mom appoints Child A as her Trustee and Agent. In writing.
3. Mom changes her will or trust to leave all her stuff to Child A.
4. Mom up and dies.
5. Child A gets everything. Child B is sick as mud. Child B sues.
6. Now it is Child A who must prove that Child A DID NOT unduly influence Mom. An almost impossible task.
7. Child B gets a half-share. Child A can go pound sand.

Scenario #4 Defender Must Prove There WAS NOT Undue Influence – Informal Fiduciary
1. Mom likes Child A better. And always has.
2. Mom moves in with Child A. Child A helps with all Mom’s decisions. Child A prevents others from visiting Mom. Mom is totally dependent on Child A.
3. Child A is not Mom’s Trustee and Agent.
4. Mom changes her will or trust to leave all her stuff to Child A.
5. Mom up and dies.
6. Child A gets everything. Child B is sick as mud. Child B sues.
7. Now it is Child A who must prove that Child A DID NOT unduly influence Mom. An almost impossible task.
8. Child B gets a half-share. Child A can go pound sand.

Key Take-aways With Undue Influence: If you must prove it, you lose it. Also, if the beloved parent has appointed you formally, in writing, as their trusted agent/advisor/trustee, then you must prove you did nothing to “unduly influence” the beloved parent. The same rule applies, even if there is nothing in writing, if the beloved parent is dependent on you.

So, if you are caring for mom, dad, auntie, grampa, and providing for all their needs, or they “honored” you with the responsibility of trustee or agent, you MUST establish, by affidavit, deposition, or otherwise, that the beloved relative was acting independently. If you do not, you will lose.

KID’S NAME ON DEED IS NO-GOOD, AWFUL, VERY BAD

QUESTION: WHAT IS THE BEST WAY TO PUT AN ADULT CHILDS NAME ON CONDO OWNERSHIP WITH ELERLY PARENT.
Mom is elderly.. She is of sound mind and has mentioned to me that she would like to get my name on her condo.. what does that entail?
Is that what joint tenancy is? What will alleviate issues upon death – in other words avoid probate…. My guess is she needs to hire an attorney. What paperwork should I have her gather together.

Short Answer: “Best Way”? How about “No Way”!

Long Answer: Folks like to put their kids’ names on deeds, stock certificates, bank accounts, investments, and anything else they can think of. There is simply no good reason to put your kid’s name on this stuff. If you only want to avoid probate (dumb!), use a revocable living trust. If you want to avoid probate and nursing home poverty, and have time, use a LifePlanning™ Trust. If you don’t have time, use a trust plus a transfer-on-death deed (in Michigan and a few other states).

The Thing: Here’s the thing, most “estate planning” attorneys cheerfully admit that they have no clue as to what is going on with long-term care. Most so-called “elder law” attorneys should admit the same thing. It is tough to discern good advice when it comes to planning for long-term care. That means you have a tough job, but it is doable.

Ask the following questions:
1. How many Medicaid divestment trusts have you drafted for clients?
2. What happens after I sign the documents?
a. Do you have a mandatory process to get my stuff into the trusts?
b. Do I get my original trust documents?
c. How do you verify that my stuff has been retitled to my trusts?
3. How many Medicaid programs are available for long-term care?
4. Can I get help with skilled care at home? How much will that cost?
5. How many Medicaid applications have you personally prepared and filed for clients?
6. What is the PACE program?
7. What is Medicaid waiver?
8. What is the Initial Asset Assessment? When does it happen?

There are lots more questions to ask, but by this time, most attorneys will be shaming you for wanting to preserve your lifesavings. They think it is ridiculous that you should get some pay back on the tax dollars you paid in. They think you should go broke. They think your spouse or family should be happy with crumbs. Do you think they are on your side? Let’s not be too harsh… maybe they just don’t know any better. It’s more than possible, it’s likely.

NO GOOD DEED GOES UNPUNISHED

My older friend wanted me to come stay with him to due to personal and cancer reasons. he asked my ladyfriend to become his caretaker and he would cover her living expenses. She ended up paying for everything food etc….. he even spent checks he was suposed to give her…. He passed away almost a year and a half of her caring for him like an angel being maid nurse cook, but she wants to know how long she has to pack up.

Short Answer: As long as you can drag out the eviction process.

Long Answer: You and your lady friend the angel have nothing in writing from your deceased “older friend”. Probate law will not allow you to make any claim for payment or even reimbursement for the “food ect”. Plus your friend embezzled the checks the angel was supposed to receive!! That all stinks. But in this world of ours, the reward for generosity is often resentment and selfishness. Look around. You know I’m right.

Longer Answer: They cannot make you leave the house without going through the formal eviction process. In some places, COVID rules may still prohibit evictions. It’s worth finding out. Legally, you are a holdover tenant or tenant at sufferance. The new owners of the house cannot simply put you on the street. They must give you 30 days’ notice, Termination of Tenancy. You can leave at that point or make them go to court for an Order of Eviction, after a Summary Proceeding.

Why not make them go through the whole darn process? Unless they agree to reimburse you for the grocery money. And a few bucks on top?

Moral of the Story: You are not a bad person for wanting to get a written agreement to pay you money in exchange for services. You are a smart person, with a good heart, who does not want to be played for a chump. So get it in writing!

Medicaid Observation: The payments you get under the agreement will not be acceptable to Medicaid and will be treated as gifts with penalties to the “older friend.” So what? If the friend needs you to give the money back, do so (if you are able). Then do a promissory note with interest so that eventually you will get every nickel to which you are entitled. And not a penny more.

Lawyer Sales Pitch: Don’t try to do this yourself. You have to pay for the privilege of working diligently for 18 months and when it is all said and done, you will get evicted. Is it possible that all this could have been avoided? Maybe with a little legal counsel? Maybe?

I’m As Mad As Hell And I’m Not Going To Take This Anymore!
— Howard Beale, Network, 1976

How Did It All Go So Wrong, So Quickly?

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

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.

Is Now A Bad Time For A Real Solution?

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?

NO POVERTY. NO CHARITY. NO WASTE.
It is not chance. It is choice. Your choice.

Get Information Now. (800) 317-2812

The post Going Postal! appeared first on Carrier Law.

Long-term care is the care you need if you can’t perform daily activities on your own for an extended period of time. There are a number of different ways that long-term care can be provided. 

Most long-term care involves assisting with basic personal needs rather than providing medical care. You are usually determined to need long-term care if you need help with two or more “activities of daily living” (such as bathing, dressing, eating, and going to the bathroom). Family members usually provide long-term care to start, but as an illness escalates paid care may become necessary. 

The following are the types of long-term care:

• Home care from family member. The most basic form of long-term care is when a family member becomes the caregiver. It can involve simple tasks like buying groceries or more complicated ones like bathing and dressing. Sometimes family members can be paid for their work.
• Home care aide. Home care aides provide companionship and socialization and assist with meal preparation, housecleaning, laundry, shopping, and errands. They are also called homemaker or chore aides.
• Home health care aide. Health care aides provide personal care (bathing, grooming, etc.), assist with range-of-motion exercises, provide some medically-related care (empty colostomy bags, dress dry wounds, check blood pressure, etc.), and provide assistance with housekeeping and errands. They are often referred to as personal care assistants.
• Adult day care. Adult day care allows family members to get a respite from caregiving. In general, there are three types of centers: those that focus on social interaction, those that focus on health care, and special Alzheimer’s care centers.  
• Assisted living facility. Assisted living facilities are a housing option for people who can still live independently but who need some assistance. Depending on the facility, that assistance may include help with meal preparation, housekeeping, medication management, bathing, dressing, transportation and some nursing care. Residents usually live on their own, in small apartments. Despite the emphasis on independence, supportive services are available 24 hours a day in order to provide different levels of help with activities of daily living. The level of medical supervision depends on the facility.
• Nursing home. Nursing homes are the highest level of long-term care. They provide 24-hour care to residents. Staff provide help with daily activities such as feeding, dressing, and bathing along with medical care and physical, occupational, and speech therapy.

Costs for care can vary widely, from a few hundred dollars a week to pay for coverage when family members are at work to $300,000 or more a year for around-the-clock home care or care in the most expensive nursing homes, perhaps with private aides hired on the side.

Long-term care costs, whether at home, in assisted living or in a nursing home, are paid primarily from three sources: out-of-pocket, Medicaid, and long-term care insurance. Medicare, the health insurance for people over age 65, only pays for up to 100 days of skilled nursing facility care following a hospitalization, and only for so long as the patient is deemed to need skilled care. Medicaid also has options for long term care at home – the Program of All-Inclusive Care for the Elderly (PACE) and MI Choice Waiver.

Need help navigating this maze? The team at Carrier Law are happy to guide you!

The post What is Long-Term Care? Who Provides It? appeared first on Carrier Law.

Note: Not Legal Advice!

Can a doctor, nurse, or social worker force someone into a skilled nursing home against their wishes? Mother is unable to care for herself and my father cannot take care of her as he has health issues. The doctor, nurse, and social worker for my mother want to put her in nursing home but she does not want to go. She would rather stay with family with the help of caregivers. She has not been declared mentally incompetent although she has early onset dementia.

Let us agree on a few basics:

• 1. No one wants institutional care
• 2. Everyone wants care at home
• 3. At home care is expensive

No doctor, nurse or social worker can force your mother into a skilled nursing facility against her will. That is the job of the probate court. If the court finds your mother legally incapacitated, it will appoint a guardian. The guardian can involuntarily place you in long-term care. A strong estate plan avoids this.

Doctors, nurses, social workers… they are not monsters. But they are busy. Today they will see another dozen dementia patients. Tomorrow will be the same. Busy professionals. They are experts. Using the same methods over and over again.

Reality: No one cares about your mother as you do. If doctors, nurses, and social workers tried to care that much, the system would break down. They have much to do. Little time to do it. Not their fault. No blame. But…

“Good enough” is not good enough for your mother. But what to do? These folks are experts! They know! So much advice. From neighbors, friends at church, brothers-in-law. You research and get more confused. And hopeless. Beaten down, you go along. Guessing the experts are right… Now mother is in the nursing home. Isolated. Unhappy. COVID quarantined.

It could have been different.

We advocate. Fight for your mother, as I did for mine. This is personal. Thirty years of refusing to take no for an answer.

The Way: Observe, Orient, Decide, Act.

First, observe. Get a good grasp on the facts right now. Gather bank statements, financial records, tax returns. Get the medical records. Organize any legal documents. Stay aware of changes. Get the picture.

Second, orient. Check options. Do not wait any longer. Refuse to accept existing legal documents, like trusts, wills or powers of attorney. Protecting your mother is your job. Your tools must be sharp and strong. Those old documents may be (likely are) dull and rusted. And may fail in crisis. Find out. Costs nothing but a phone call. Might save everything. At least you will know.

Third, decide. What choice will you make? At this point, you know what is available. Crunch time. Refusing to decide is a decision. You may think you were better off not knowing. You might be right. Ignorance is bliss?

Fourth, act. Revise or replace useless tools as necessary. Secure benefits. Go. Fight. Win.

For Your Mother:

• 1. Get the facts. Call us for a free Discovery Meeting. Telephone call or online video meeting with a paralegal or attorney team member. Get the checklist. Guided, purposeful information gathering. Focused only on the relevant facts. Personal, financial, legal. Then set up the free Engagement Evaluation.
• 2. Know your options. Engagement Evaluation. Are at-home care options available for mother? What about your father’s needs? How can we secure benefits without sacrificing lifesavings? What residential care options are there?
• 3. Choose. Consult with your family. Pray. Reflect. Discern. Choose the most appropriate course of action. There is no free lunch. There are costs to doing and not doing. But you decide.
• 4. Act. Git ‘er done! Secure lifesavings. Mother stays home with free help. Could be the Program of All-inclusive Care for the Elderly or the MiChoice Waiver program. Or an assisted living facility with Waiver might be best. Or full skilled nursing.

Swimming in Lake Michigan is dangerous. The undertow can sweep you away. But if you know how, it can be great. Long-term care is dangerous. Your family can drown in costs, squabbles, inappropriate care. But if you know how, you can transform end of life challenges to triumph. Building shared experiences, cementing family relationships. It is up to you. We can help.

PACE Program eligibility expanded until April 1, 2021

The Program of All-inclusive Care for the Elderly (PACE) provides a full range of therapeutic and care services to you at home. At no cost to you. If you qualify. COVID emergency rules mean that many folks who did not qualify before are now eligible. Even more people can become eligible. We can show you how.

Sad Truth: Many folks who qualify do not even ask because they do not think they could possibly get any benefits. This is bad thinking. Leads to unnecessary nursing home placement for you. Stress on caregiver spouse leads to premature death: 40-50% of the time, the caregiver dies first. Unnecessary.

Good News: Under the emergency rules, you can: Keep your cottage. Keep your farm. Keep your lifesavings. Keep your loved one at home, receiving the support you need to do it.

Are you caring for a loved one at home? Have you investigated PACE? Were you told that you do not financially qualify for PACE? Were you told that you would have to sell or liquidate almost everything to qualify for PACE? Do you think PACE is too good to be true?

Get authoritative answers you can count on. Quickly. No nonsense. Many of our PACE families could not believe that their tax dollars could benefit them. Many more subscribe to the “too good to be true” concept. One short, simple phone call can confirm your worst fears of not qualifying or open the door to a new way of life. That part is up to you.

YOU DO NOT HAVE TO WONDER… IT COSTS NOTHING TO FIND OUT

The post Medicaid Question and Answer appeared first on Carrier Law.

Dedication, Devotion

Just a few months ago.

On a perfect spring morning, two women were reading their Sunday paper. They were remarkably similar. Both had children and grandchildren. Both were reliable volunteers for church and civic affairs. Both were looking forward to their 50th wedding anniversary.

Their comfortable homes were paid for. Both had substantial retirement savings. No debt. No extravagant or expensive habits. Other than spoiling their grandchildren at every opportunity. In a good-natured way, of course.

Both were the sort of middle-class people who enrich the world by their simple presence. And generosity of spirit. Authentic kindness.

Both were primary caregivers for their husbands. Both of whom, after many years as partner and confidant, father and grandfather, best friend and “accomplice” had succumbed to Alzheimer’s Disease.

These women take their wedding vows seriously. Better or worse. Richer or poorer. Sickness and health. They said it. They meant it. They lived it.

Their kids think its corny, but they took the words of JFK seriously: “We choose to do these things, not because they are easy, but because they are hard.” And Alzheimer’s is hard. Their kids, living in other states, also think it’s a good idea for Dad to be “placed”. What is it with kids these days?

Too Good to be True

As it happens, on this pleasant morning, both women were reading the same article. An account in The Michigan Elder Law Reporter describing the Program of All-inclusive Care for the Elderly, known as PACE. The Reporter claimed that PACE provided free, at-home care. All pharmacy needs with no co-pays, donut holes, delays, or frustrating paperwork. Specialist care. Respite care. Durable medical equipment. Supplies. Occupational and Physical Therapy. The list went on and on. It even claimed that PACE was intended to help folks just like her. On purpose. Family members caring for loved ones at home. Staying at home.

Most outrageous, though, was the bold statement that their life savings, their home, their cottage, their security, need not be sacrificed to long-term care costs. That a lifetime of shared work could be preserved for themselves, their children, their grandchildren. How could that happen?!

Two Roads Diverged in a Wood, And I – I Took The One Less Traveled By…

And this is where the women made different choices. One said to herself, “Stuff and Nonsense! I pity anyone foolish enough to believe this… Promises, promises! Too good to be true!”

The other thought, “I never heard of this before. Is it possible? Maybe I should find out more…”

Five years quickly passed.

And That Has Made All of the Difference

Another fine spring morning. But now these women were not so much alike.

In desperation, she turned to cash advances on the credit cards. In her pride, she did not share the burden with her friends or children.

One was physically exhausted. Twenty-four hours a day. Seven days a week. Constant caregiving was taking a heavy toll. Worse was the mental stress. She was facing bankruptcy. She gladly spent the life savings to pay home care workers. She did not really mind selling the cottage. The proceeds had been spent years ago. She was still bound and determined that her husband would never wind up in one of “those places.” Then the cash ran out. She gritted her teeth and took a loan against the house. Twice. Plus, a line of credit. In desperation, she turned to cash advances on the credit cards. In her pride, she did not share the burden with her friends or children. She chose a solitary journey. Until the inevitable day when the house of cards collapsed. She reached for the phone to call her eldest child. Soon they were in a senior housing project, but at least the bill collectors had stopped calling.

The other woman was at the cottage window watching her grandchildren fish from the dock. The last few years had been tough. Her husband no longer knew her or their children. She was making the best of a bad situation. But.

She did not face it alone. Life savings protected. Life choices respected. “Well,” she thought, “sometimes too good to be true turns out even better.”

Her health was good. The PACE folks were a blessing. No worries. PACE had installed a walk-in shower at their home. Several times a week, expert aides came out to attend to her husband’s hygiene. During that coronavirus problem so many years ago, they even helped with her grocery shopping. And housekeeping. In addition to all the medical support. She knew her future was secure. She did not face it alone. Life savings protected. Life choices respected. “Well,” she thought, “sometimes “too good to be true turns out even better.”

Several months later.

I Have Finished the Course, I Have Kept the Faith

At the first woman’s funeral, her friends agreed. It was tragic. She had run the race. She had fought the good fight. At the ultimate cost to herself, she did what she believed was necessary. Pouring out the savings and accomplishments of a lifetime in a few short years.

But. Is there anything more tragic than needless suffering? Doing very well something that did not have to be done at all? As one mourner observed, “She killed herself with work and worry, all to keep him out of “those places.” And where is he going now? One of “those places.” It is more than sadness that we feel when a good person refuses the helping hand. It is more than regret when refusal leads to unfortunate consequences.

Not far away, at about the same time.

After the preachers kind words at the cemetery, the other woman turned from her husband’s grave. She too had run the race, fought the good fight. She had been there for him to the ultimate end. Hospice at the house. Familiar PACE folks who supplied the hospital bed, Hoyer lift and other necessary equipment and services. Given fair warning, the kids made it in from out of town. It was sad, heart-breaking. But not tragic. Surrounded by family and friends. Secure. At peace. What did the Lord have in store for her now? She did not know. But she looked forward to finding out.

What did the Lord have in store for her now? She did not know. But she looked forward to finding out.

The Difference

Most people, reading this blog, will choose the path of the first woman. Most people, faced with long-term care costs, will close their eyes. Hope for the best. And watch their life savings evaporate like a snowflake on a hot griddle. Why does the caregiver spouse die first, almost half of the time? Why do hard-working, prudent, frugal, middle-class folks accept nursing home poverty? Most of the time?

Not Chance, Your Choice

There is nothing inevitable about losing your home, cottage, business, lifesavings, independence, security. All of that is a choice. Despite what “everybody else” says. For thirty years, people have told me, “I’ve never heard of this before!” “If this is real, why haven’t I heard of this before?” “My lawyer/financial advisor/accountant/tax person/banker/best friend/fill-in-the-blank never said anything like this…”

Well, here you are. Reading this blog. So now you know. No excuses. We are here to provide information, insight, inspiration. Now it is your turn. To ignore the message. Invite poverty. Or get the freely offered information. To make wise decisions about your life. And that of your loved one. If you want to take the right road, isn’t it time for you to call our office today?

The Law Offices of David L. Carrier, PC
4965 East Beltline Avenue, NE
Grand Rapids, MI 49525
Toll-Free – (800) 317-2812

The post What a Difference a Day Makes… appeared first on Carrier Law.

It was a perfect midsummer afternoon, twelve years ago. Two men retired from the same Michigan manufacturing company. They were very much alike, these two older gentlemen. Both had better-than-average, thirty-year careers. Both were personable, well-respected, and secure. Home, nice cottage. No debt. Conservative investments. No bad habits. And both – as new retirees are- were filled with dreams for the future. More time to spend with their wives, kids, grandchildren, at the cottage, on the golf course, travel. Enjoying the retirement freedom and security they had anticipated, saved for, earned.

Recently their company had its one-hundredth anniversary. Both men returned to celebrate.

They were still very much alike. Both healthy. Both had three grandchildren. Both still devoted to their wives of over forty years. Both primary caregivers. At home. Just a few short years into retirement. Their wives suffered from Alzheimer’s Disease.

But there was a difference. One of the men struggled to make ends meet. “On duty” 24 hours per day. Exhausted. Retirement savings, cottage, comfortable home – all gone. Living on social security. The other man recently hosted his granddaughter’s wedding. At the lake. One hundred and twenty guests. Life savings intact.

Independent, secure. Primary caregiver with plenty of help. Using the Program of All-inclusive Care for the Elderly (PACE). No worries.

What Made the Difference?

Have you ever wondered, as I have, what makes this kind of difference in people’s lives? It isn’t always a native intelligence or talent or dedication. It isn’t that one person wants security and the other doesn’t.

The difference lies in what each person knows and how he or she makes use of that knowledge. Useful knowledge. Action. Follow through. Better results.

Planning Where the Rubber Meets the Road

Living Life to the fullest, whatever the circumstances.

Knowledge, concepts, ideas – all very fine. But without action? Nothing! LifePlanning™ incorporates knowledge, in real life. Getting the benefits you have earned. Avoiding nursing home poverty. Living life to the fullest, whatever the circumstances. Thousands of Michigan families use LifePlan™ techniques. Securing a better life for their families. Security is a choice. What do you choose?

Your Own Success and Security

We cannot promise you instant success or eternal security. But we guarantee that the LifePlan™ approach to the best to secure your success and meet your needs.

Get Knowledge Now!
Call 1-800-317-2812.
There’s a LifePlan™ Workshop near you.

The post Security and Success: Choice Not Chance appeared first on Carrier Law.