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The Alzheimer’s Project returns to HBO

By Rick Law, Founder and Managing Partner of the Estate, Asset and Retirement Tax Law Firm of Law ElderLaw.  Law ElderLaw is a multi-generational law firm serving families in Chicagoland and the suburbs in Illinois.

In case you missed it the first time, “The Alzheimer’s Project” is available to watch on the Alzheimer’s Project website or through HBO’s online streaming portals.

“The Alzheimer’s Project” is an exciting joint project of the Alzheimer’s Association and HBO which is designed to give us all new insight and hope that we can push back against Alzheimer’s Disease.

For those of us in Chicago the documentary was even more personal, in that it included a live interview with Dr. David Bennett of Chicago’s own Rush Alzheimer’s Disease Center.  The medical staff and researchers at Rush Hospital are one of the premier teams investigating Alzheimer’s Disease.

Most people are aware that Alzheimer’s Disease is a brain disease wherein brain function is progressively destroyed by the emergence of plaques and tangles.  “The Alzheimer’s Project” focused on some individuals with early-onset Alzheimer’s, and we learned several new and surprising things. Interestingly, there are individuals whose autopsy reveals the presence of the Alzheimer’s related plaques and tangles, but the individual did not exhibit memory loss during their lives—some people continue to function in a normal manner.  This phenomenon is not yet understood but is currently being referred to as “cognitive reserve.”  The presence of this cognitive reserve gives researchers a hopeful avenue of new investigation.

In addition, part of the question-and-answer portion of the program focused on current drug therapies.  Today there is not a drug which cures or delays the disease.  Our current drug therapies are limited to enhancing the remaining brain function during the continuing degenerative progression of the Alzheimer’s Disease.

Dr. Bennett told the audience in Chicago that there are numerous drug trials in process, in addition to medical research studies going on right now, which demonstrate new possibilities to not only delay but possibly create a vaccine against Alzheimer’s Disease. There is hope that medical science will have these enhanced weapons available to the public within the next decade.  This is great news for the millions of people who would otherwise face the prospect of Alzheimer’s Disease.

If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Estate, Asset and Retirement Tax Attorney

8 times named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine, Rick has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate, Asset and Retirement Taxes. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Alzheimer’s Specialized Care

By LEL founder and attorney Rick L. Law.  Rick Law and his daughter and partner Attorney Diana Law, are part of the multi-generational law firm at Law ElderLaw.  Estate, Asset and Retirement Tax Attorneys serving Aurora, IL and the surrounding communities.

When your loved one is diagnosed with Alzheimer’s and needs care, it is important to find a nursing home with an Alzheimer’s special care unit.

Alzheimer’s sufferers have unique needs and will have a much better nursing home experience if the nursing home staff is capable of dealing with their needs. Staff in special-care units should take specialized training courses in order to be able to encourage the residents’ independence and help them realize the maximum potential of their mental and physical abilities as their dementia progresses.

These special units often come at an added price. Some states have established guidelines for these units, but there are currently no federal guidelines.

Before agreeing to pay the higher rate, you should look for the following qualities from a nursing home with a special unit:

  • Does the facility confirm all incoming residents’ Alzheimer’s diagnosis?
  • Is the staff aware of the progressive nature of Alzheimer’s disease, and how do they address the expected changes in the mental and physical abilities of the residents?
  • Are all of the employees in the special unit (the housekeepers, maintenance workers, etc.) given some training regarding Alzheimer’s?
  • Are the buildings and grounds designed for people suffering from Alzheimer’s disease?
  • Are the resident activities appropriate for people with Alzheimer’s?

It is also important for lawyers to advise clients early on in the nursing home search that this type of care is expensive. Fees average around $45,000 a year nationwide, and can be as expensive as $100,000 or more. Most insurance plans do not cover this type of long-term care and neither does Medicare.

Fortunately, Medicaid (the federally funded, state-administered medical assistance program)  is available for qualified individuals.

If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Estate, Asset and Retirement Tax Attorney

8 times named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine, Rick has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!

 


Personal Care Contracts and Medicaid

By attorney Rick Law of the Estate, Asset and Retirement Tax Lawyers at Law ElderLaw in West suburban Aurora in Illinois.

Seniors suffering from dementia who wish to qualify for state-paid nursing home care are required to spend down until they only have $2,000 in countable assets (this number varies from state to state). The state Medicaid agency is going to examine all major financial transactions that occurred during the five years prior to Medicaid application. This is where the personal-care contract needs to be very precise in how it details the care being provided.

The state Medicaid agency will be looking to see if the caregiver agreement is being used to allow the parent to simply gift assets to children and still apply for long-term care on the state’s dime. State Medicaid agencies will generally look at two factors to determine whether a transfer of assets disqualifies the person receiving the care for Medicaid benefits:

  1. the fair market value of the transaction
  2. the intent behind the transaction

While that may sound simple enough, determining the prevailing price of eldercare services is not as easy as it sounds. Just about everyone, including hearing officers and judges, has a different opinion as to how to determine the prevailing price for caregivers.

In some states, it may be essential that the personal-care agreement be entered into prior to services being rendered. In other states, those reviewing the contract will be looking for specifics such as how long the services will last, how many hours per week, what standards of services are being provided, and what, if any, provisions provide for a refund.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles.  His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being lost to the expenses of long term care.  Call 800-310-3100 for your free consultation now!

 


Our Mission at Law ElderLaw

By estate planning attorney Rick Law.  Rick is founder of the multi-generation law firm Law ElderLaw in West Suburban Aurora, IL. 

Are you aware that a catastrophic illness could wipe out virtually all your financial resources?  What will happen to you if you outlive your money?  You can learn how to protect your life savings and your legacy during our free vision meeting.  Call our office at 800-310-3100 to ask for more information or set up an appointment.

At Law ElderLaw, our mission is to help seniors protect their assets from unnecessary taxes, legal expenses, and the devastating cost of catastrophic healthcare or long-lasting nursing home fees.  Our goal is to make sure your assets will last you a lifetime, and passed on to your loved ones in the most timely and cost-effective manner.

You may be surprised to find that elder law attorneys are of a different breed than other lawyers.

Not only are we familiar with professional resources for you and your loved ones, but we are also ready to provide you with many community resources to help meet your family’s needs.  Serving over 400 Illinois families every year, we have walked this difficult road before and we understand the delicate situations that surround end-of-life planning.

Come in and talk to us, we can help you along this path.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Could Medicaid Help Pay for Your In-Home Care? Part 2

By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law ElderLaw in West Suburban Aurora, IL.  LEL is a multi-generation law firm.

In the last installment of my blog, you learned some of the basics of Medicaid in Illinois – and why you need to be informed about it even if you still have money!

The Illinois Department on Aging’s Community Care Program helps seniors who might otherwise need nursing home care to remain at home by providing help that the senior may need.  This includes help within the home, as well as in the community.

This program allows qualifying seniors to keep their independence, while providing cost-effective alternatives to a nursing home.

Some of the benefits of the Community Care Program include:

  • In-Home Help is available to provide assistance with household tasks and personal care for older adults who are moderately impaired. It could be something as simple as uncapping medications and providing water, or even assisting with personal care, cleaning, doing laundry, preparing meals.  Help with more complex tasks is also included, such as meal planning, shopping and arranging transportation.
  • Emergency Home Response Service provides the senior with a signaling device for 24-hour emergency coverage.  That way, if help is needed (such as a fall or a fire), the senior can easily alert the authorities and get fast help.
  • Adult Day Services offer older adults the opportunity to interact with other people in a safe, supervised setting outside the home. Snacks and a noon meal are provided, and participants may enjoy everything from arts and crafts to card games. Counseling and physical therapy with trained professionals are also available in some centers. Adult day service centers can greatly help caregiving family members who may need a few hours to themselves, or who work outside the home during the day. In many adult day service centers funded by the Illinois Department on Aging, specialized programs are available for seniors with memory problems such as Alzheimer’s or dementia.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


A Death Plan vs. a Life Plan

By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law ElderLaw in West Suburban Aurora, IL.  LEL is a multi-generation law firm.

There are countless lawyers who can help you draw up a will and other papers to tell the courts what to do with your assets when you die.  Just about anyone who has passed the bar exam can write you up a “Death Plan.”  The problem is just that – a will only comes to life after you die.  You need an estate plan that ensures your quality of life while you are still alive.

There are very few attorneys who focus on just how to give you or your loved one a “Life Plan.”  What Law ElderLaw specializes in is not just how to divvy out your assets when you’re gone, but how to make sure those assets remain intact while you are alive so you have a legacy to leave to your loved ones.  With the cost of nursing home care averaging $6,000 per month, a lifetime of savings can be wiped out in a matter of months.

Law ElderLaw works to protect your assets, legally, and assure you that you will not be left out of money, out of options, and robbed of dignity.    You don’t have to outlive your money or your assets.

Rick Law has organized Law ElderLaw to provide the answers that “throw a lifeline” to individuals in danger of sinking under the weight of a long-term nursing care burden, or those who want to make sure they are never faced with that crisis situation.   

Call LEL toll-free at 1-800-810-3100.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Why We Practice Elder Law

By estate planning attorney Rick Law.  Rick is founder of the Estate Planning Center at Law ElderLaw in West Suburban Aurora, IL.  LEL is a multi-generation law firm.

Dementia and chronic illness can be one of the most devastating experiences a family can face.   Rick Law, through both his family and friends, has experienced that devastation and responded to it by founding Law ElderLaw.

LEL is a firm dedicated to helping victims’ families not only cope with their grief and confusion, but discover how they can save the assets their loved one has worked a lifetime to achieve.

Rick has seen the incredible burden that is borne not only by the families of his clients, but has  been affected within his own family. He has watched as family members have exhausted their own health and emotional resources by being sacrificial caregivers. This sacrifice is a major motivator that has caused us to develop the services and systems of Law ElderLaw. We are dedicated to protecting and serving the elderly and those who love them.

Rick began his work in the area of Elder Law in 2000, when he received a frantic call from friends that began with a panic-driven question, “Rick, my husband has been diagnosed with Alzheimer’s disease. Am I going to lose my house?  Everything we’ve worked for?  What can I do?”

At the time that Rick received this question, he responded, “I don’t know.” Even though Rick did not know the answer, he did not let that stop him from setting out to help his friends. He embarked on a mission to find the answers for this aging couple, and others in distress. That phone call led Rick to discover the answers to questions that families in crisis ask, and desperately need to have answered. He learned quickly that almost no one seemed to know how to advise clients in this type of crisis.

Too many families needlessly lose everything they have.  Don’t let that be you.  If you need help paying the overwhelming cost of long term care, give our office a call at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now, because when you’re out of money, you’re out of options!

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Feeling Trapped As a Caregiver

 By Elder Law Attorney Rick Law. As an attorney advocate for senior care in the Western Chicago suburbs, Rick Law and the friendly and experienced staff at Law ElderLaw are here to help you get all your ducks in a row and plan for the worst-case scenario.    

Recently Loretta, a caregiver client, visited our office and I sat down with her to ask about her experience as a caregiver for her husband, who has been affected by Alzheimer’s for the past decade.  Serving as a caregiver for a loved one with long-term care needs has a unique set of feelings and experiences, which we at LEL strive to understand and accommodate.

One of her strongest statements was the feeling that “It makes you feel so trapped… financially and socially… there are just so many unexpected areas of burden.  The weight of it all traps you underneath.”  As a caregiver, you are often left with few choices save for how you will respond in any given situation.  Because of this, it is common for many caregivers to burn out.

You can’t control your schedule. You can’t control your loved one’s incontinence or sleeping times.  You can’t control what they are going to say or what they are going to do. You lose all freedom. Often you find that you lack control over the most basic areas of your life.

As for social activities, Loretta told us “We both love music, and Stephen and I used to attend concerts together.  After he was diagnosed it became more difficult to take him along, and eventually it got to the point where it was just too much effort and he didn’t enjoy it anymore.”

Even having friends over is difficult. “What do you say to them?” she said, “And what do they say to you? It’s extremely awkward, disheartening, and embarrassing. In addition, there are times when Stephen became very angry, and because I’m doing the care-giving, I’m right there for him to express his frustration.  I don’t want other people to see that. Remember, you can’t control anything. You lose all your freedom.”

As I listened to Loretta share her experience caring for Stephen at home, I could not help but admire once again all the caregivers out there.  Her story served as yet another reminder of why we at Law ElderLaw do what we do: provide counsel and help to those who lovingly sacrifice their wealth, health, freedom, and careers to provide loving care for a spouse, child, or parent.

If you’re ready to start getting your estate in order and secure your assets for the “worst-case” scenario, please give our office a call at 800-310-3100. Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney from 2008-2016 by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


The Slippery Slope of Memory Loss

By Rick Law, elder care attorney and estate planner at the Estate Planning Center of Law ElderLaw in Aurora, serving Kane, Kendall, DuPage, Will, Cook, and other counties in Northern Illinois.

Almost every day I learn more about the subtleties and surprises within the elder care journey. At Law ElderLaw we often work with families who have a loved one affected by some type of dementia.

About 7 years ago, I had the opportunity to hear University of Pennsylvania neurologist Dr. Jason Karlawish speak to a group of lawyers about clients who may have Alzheimer’s disease or some other type of dementia.  As we non-medical people observe folks with memory loss, we assume that the individual is losing his or her memory on a constant downward sliding path.  According to Dr. Karlawish, however, that is not the right way to think about memory loss.

Dr. Karlawish taught me that I need to change the way I look at memory loss.  He helped me understand that different brain functions are affected with differing rates of decline.

“Attorneys are linear thinkers. You are trained to think in a linear and logical fashion, and so you believe that if your clients can give the correct answer to a fact based question, then they are still capable.  You assume that if they know that 2+2=4, then they are capable of managing their affairs.” He shook his head and stated, “Nothing could be further from the truth.”

It turns out, someone who is suffering from dementia can retain their linear thinking, but lose their ability to comprehend the consequences of what that answer means.

As I listened to him speak, it hit me that this was exactly what was happening with one of my clients. This client was responsibly caring for his wife, but the family was continually calling to tell me that “Bill” was making foolish decisions with money, and it was running out at a frightening rate. But when Bill came into my office, nothing seemed to be wrong; he drove himself, he brought his accounting books and we would go over his records together. He seemed capable of handling all his affairs because he gave me all the right answers.

Nonetheless, within the next day or two he would do something as bizarre as hiring an $800 ambulance service to get his wife to her weekly hair appointment. Suddenly I realized that although Bill was able to tell me how much was in his bank account, he could no longer understand the meaning of those numbers.

If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick has been named the #1 Illinois elder law estate planning attorney for the past 8 years in a row by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!


Is It Too Late To Right the Ship?

By Estate Planning and Elder Law Attorney Rick Law of the Estate Planning Center at Law ElderLaw.  LEL is a multi-generation firm serving seniors and their families in Aurora, IL just West of Chicago off of the I-88 tollway.  

An all too familiar phone call came into our office the other day: “My mom is elderly and ailing, and my siblings and I need advice on how to help her.  Our folks have a decent monthly income and assets, but the nursing home costs are three times that much! Nobody made any plans for this. My parents never expected to live this long. We don’t know what to do.  I can’t have them live with me. Help me, please!”

Nobody enjoys the feelings of hopelessness and impending doom brought upon by this kind of situation. But “We don’t know what to do!” is just the beginning of the journey for the concerned family.

Often we get this phone call from the child or spouse caretaker because the person in need of care isn’t ready to admit yet that they need help.  We can’t force a parent to get assistance, but we can be the “voice of authority,” to tell them when it’s time to start letting go and facing reality.  It is our job as elder law attorneys to help our senior clients–and those who love them–make those tough end-of-life and long-term care decisions

The call from the kids has several possible motives, and more specifically, several underlying emotions:

  • Love and responsibility: to provide the best care for mom or dad with the least destruction of their assets during their lives.
  • Seeking relief: the need to lift the care and cost burden off the caregiver, who may be the caller himself or another loved one.
  • Fear of loss: the desire to conserve the benefits of the parental assets, either during the parents’ lives or at the time of their deaths.
  • Greed: the desire to get access to the parents’ assets so the assets will not be “lost.”
  • Confusion: Looking for a source of care and comfort at a time of great emotional and financial stress.
  • Guilt: for not being able to do more for a needy parent, spouse, or other loved one.
  • Shame: one man recently said to us, “I just can’t believe that I have to put the love of my life in a nursing home.”
  • Anger: “Why did my parents not plan better?” “Why me? My siblings never help me take care of dad.” “I wish he would just die.”
  • Frustration: over conflict with declining parents.
  • Self-preservation: worry about how much of their own limited resources must be used to provide parental care.

If your loved one has memory problems and you’re afraid of the consequences that may bring, give our office a call today at 800-310-3100.  Your first consultation is absolutely free.  We’ll let you know what steps you need to take, right now, to protect yourself and your family.  Call now.

Sincerely,

Rick L. Law, Attorney, Estate Planner for Retirees.

Rick was named the #1 Illinois elder law estate planning attorney by Leading Lawyer Magazine. He has been quoted in the Wall Street Journal, AARP Magazine, TheStreet.com, and numerous newspapers and articles. Rick is the lead attorney for Law ElderLaw, LLP, focusing in Estate Planning, Guardianship, and Nursing Home Solutions. His goal is to give retirees an informed edge when it comes to dealing with an uncertain future.  Get flexible retirement strategies that work during good times and bad, plus information on how you can save your home and assets from being used to pay for long term care.  Call 800-310-3100 for your free consultation now!