Blog Archives

The Single Most Dangerous Mistake When Applying for VA Benefits (Part 1)

Melissa called to explain her parents’ situation.  Mom was 80 and Dad 85.  For a number of years they had been receiving care at home from a home health aide.  2 years ago, Melissa attended a seminar offered by a financial advisor at a local assisted living facility about a VA program called the Aid […]

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How We Pulled Charlie from a Black Hole of Long Term Care

A few months back I wrote about a situation that is not all that uncommon, a nursing home resident with long term care insurance benefits but no other assets.  If the insurance payment goes directly to the resident it counts as income, resulting in too much income to qualify for Medicaid.  Changing the payment to […]

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A Long Term Care Story Close to Home

Many of the stories I tell are from clients and prospects that call our office.  This one is more personal, about our marketing director, Amy’s grandparents, Julius and Julia.  Julius was a World War II veteran who died in 1986.  Julia lived independently until 2003, when at age 83 she moved to an assisted living […]

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Do We Lose Benefits When Veteran Dies While Claim is Pending?

This is a common enough scenario, especially when it seems that the VA is taking longer to process claims than ever before.  As with most VA questions, however, the answer is not a simple yes or no.  It depends on the facts of the particular situation.   But first let’s review.  Specifically, we are talking about […]

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Mary’s Dilemma – Don’t Let it Be Yours

Mary called me in desperation.  Her husband Bob had recently been hospitalized with heart problems.  He is also struggling with the onset of Alzheimer’s Disease.  Mary has been able to administer care to this point but it has taken its toll on her physically and mentally and her children are concerned about her health.  Mary […]

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