How to Keep
Nursing Home Costs from Wiping Out Your Life Savings and Your Family's
will pay the entire cost of a long-term stay in a nursing home
you know how to qualify!
| FACT: 4 out of 10 people turning 65 will use a nursing home
at some point in their lives-- and many will need home care and
other related services as well. In addition, one-fifth
(20%) of middle-aged households include at least one elderly
parent who cannot be left alone and needs help with activities
of daily living (e.g., eating, dressing, using the toilet). |
for Healthcare Research and Quality (AHRQ)
FROM: K. Gabriel
Heiser, J.D., Attorney
Imagine your life
savings, your home and your other family assets being wiped out virtually
The skyrocketing costs of nursing home care --
now averaging $90,000 a year -- could devastate you
It's tragic but true. A sudden fall ... a
heart attack ... a stroke ... an unexpected illness ... or your elderly
parent's frailty and disability brought about by advanced
age ... can bring financial ruin to you and your family. Nursing
home expenses could bankrupt all but the most affluent
All your family's assets are exposed to nursing
home costs. The
government will only pay the nursing home bill if you are
essentially broke. Medicare will only cover you for a maximum
of 100 days, if they cover you at all -- and Social Security won’t
cover these bills either. Only Medicaid could cover
On Fox-TV! Author interviewed on the John Stossel show!
Author K. Gabriel Heiser was recently on the Fox Business Network.
Missed the show? Click screen above to watch!
Medicaid? Medicaid is the federal program administered by
50 states that pays for the entire cost of a long-term stay
in a nursing home -- if you
I've seen it happen all too often with my clients who seek Medicaid
advice. They try to qualify their elderly parent for Medicaid -- but not until after they've already wasted a lot of their parent's life
savings paying the nursing home at the
“private pay” rate, or
sold the family home because they thought they had no choice,
believing that the government would force them to sell the house
Will You Do When Your Family's Assets are Wiped Out
to Pay for Nursing
Of course, that's simply not true!
ways to arrange your affairs in a way that will enable you to build
a fortress of protection around your family's assets and have Medicaid pay
for most, if not all, of your nursing home
"Your book exceeded my expectations in every way..."
"...and was well worth the
cost. Its comprehensive coverage of the whole subject of long term
care, and achieving Medicaid eligibility, was presented in a very
organized and yet very readable fashion. It's a great resource!"
-- Robert J., Rochester, New York*
"...the book has been priceless to me..."
is a complex subject and the book has been priceless to me in getting a
handle on the subject so that I can at least ask the right question."
-- Don N., Colorado*
*NOTE: All testimonials on this site are from actual purchasers of the book; their original letters are on file in our office.
If you're someone
who is facing the reality of an elderly parent or family member heading
toward a nursing home -- and you want to qualify for Medicaid
without first spending down your parent's life savings (or
yours) paying the nursing home privately,
or going broke, this
may be the most important article you'll ever
next 5 minutes, as you read this article in its entirety,
you will learn how to uncover secrets that will qualify your elderly
parent or family member for nursing home Medicaid. I'll also reveal
a first-of-its-kind resource that costs just a fraction of a
single day's stay in a nursing home -- but can save you and
your family thousands of dollars in nursing home costs and enable you to
protect and preserve your family's assets.
$30,000 -- and Keeps Their House!
A married couple (whom I'll
refer to as Tim and Rachel for confidentiality reasons) sought legal
advice from me recently. Tim's mother, Martha, had Alzheimer's Disease. Both Tim
and Rachel were worried they
could lose their house because of gifts Martha had made to Tim's
siblings over the last few years -- and which were implemented by
Tim and Rachel via Martha's durable power of attorney. Martha
had exactly $51,000 to her name, and Bill assumed he'd have to
spend it all on her nursing home care till it was
Not only did I reassure them
that they need not worry about losing their house, but I taught them
how to save $30,000 of the mother's money by using a
secret technique that I reveal in How to Protect Your Family's Assets
from Devastating Nursing Home Costs: Medicaid
Needless to say, Tim and Rachel were
Who Am I -- And Why
Should You Believe Me?
My name is K. Gabriel Heiser,
J.D., an attorney specializing in elder care and estate planning.
[Click here for my detailed bio.] For the last
25 years, I've helped hundreds of people pay for nursing home care -- and
kept them from going broke in the process. I've advised them
on how to protect their homes and other family assets from devastating
nursing home expenses so that they can have something to pass on to their
children, relatives or charitable institutions.
I've discovered a
great many things about the Medicaid system that hardly anyone
knows. For instance, did you know that there's one secret
technique that can double the amount of assets your family can
protect -- yet very few attorneys are even aware of how it
There are many more proven strategies I know, which are contrary
to what other attorneys and estate planning advisors may tell
you. In over 2 decades of
being "in the trenches" daily, I've met many people who have
sought the advice of less experienced advisors -- and who have paid
dearly because they were given bad
It pays to be careful when it comes to federal programs
like Medicaid. I've seen people go to jail or pay huge
fines and penalties for doing illegal things or being
money in order to qualify for Medicaid is not an
option. To do so and not report the asset on a Medicaid
application is clearly a fraud against the state and federal
governments, with severe legal consequences. I'll show you
ample ways to be eligible for Medicaid using completely legal
Did you know... that Medicaid
currently pays the bills of over 50% of all nursing home
While that might sound like a good
thing, think about the other 50% of nursing home residents whose
bills are not paid by Medicaid. Why is that so? Well,
apart from the small percentage who are too wealthy to qualify for
Medicaid, there are 3 primary reasons why nursing home residents do not
have Medicaid coverage:
I assure you that you don't have
to be poor, destitute or broke to qualify for Medicaid coverage. I
can also show you exactly how to qualify for Medicaid even if
you never thought you could.
- they think they have to be poor, destitute, or on
welfare in order to qualify for nursing home Medicaid -- or go
broke paying for nursing home costs first before they can get
they've tried and failed to
qualify for Medicaid; or
- they don't know how to go about
qualifying for Medicaid -- or think that trying to qualify is too
complicated to attempt.
Don't Know About the Medicaid System
Could Hurt You
A client (whom I will call Ted
to protect his privacy) came to consult with me a couple of years
ago. He was worried about his Aunt Marge's care. Aunt
Marge had $400,000 in her name, and was already in the nursing home
-- at a monthly cost of $6,200. She could certainly afford to
pay privately, but in less than 6 years, she'd end up flat
broke. She had never married and had no children, but Ted
had been very close to her for a long time and wanted to save some
of her money, if he could.
So I advised
Ted to use a secret technique that I reveal in
How to Protect
Your Family's Assets from Devastating Nursing Home Costs:
Medicaid Secrets. As a
result of using the technique, Ted not only preserved Aunt Marge's
$400,000 by converting it to a certain type of exempt real property, but also got
her qualified for
Medicaid coverage immediately. Additionally,
Ted received a monthly
rental management fee -- and upon Aunt Marge's death,
the entire $400,000 passed to
him outside of probate
-- and the state was prevented from coming after Aunt Marge's property
for "estate recovery."
So you see,
if Ted hadn't known the secret technique for getting the Medicaid
system to work for him, it could have hurt both Aunt Marge and
"I Wish I'd Had
Your Advice Sooner"
In the 25 years that I've helped hundreds of people qualify for
Medicaid, probably the most frequent comment I got from my clients
"I wish I'd had your advice sooner so I could have protected more of my assets, and gotten the entire
nursing home cost paid for by Medicaid instead of just
I can't overemphasize the fact that the earlier you
do your planning to qualify for Medicaid, the better -- even months
or years before putting your parent or family member in a nursing
home, if possible. However, no matter what situation you're in --
and even if you've already begun paying for nursing home costs out of your
own pocket (or your parent's savings), it's almost never too late
to protect and save your family's assets.
"I loved your book!"
"I found so many concepts, strategies and important questions to consider that I am going to re-read it again tonight
to write them all down. The maze of ever-changing rules and differences
between states (and even counties) can be overwhelming, but I felt that
armed me with specific questions to ask--questions that would help me
understand the various viable options (and their risks and pitfalls)
that a qualified ElderCare Attorney might suggest. (Heck! You even
showed me how to find a qualified ElderCare Attorney!)"
WARNING: Don't Even Try to Qualify for
The Medicaid system is extremely
complex and usually cumbersome for the layperson to understand.
Nonetheless, it's not difficult to qualify for Medicaid -- when you
know exactly how to go about it -- and when you have the proper
Nursing Home Medicaid Without Reading
That's why I've compiled
all the Medicaid insider secrets that I've accumulated over 25 years into
a first-of-its-kind resource titled How to Protect Your Family's Assets from
Devastating Nursing Home Costs: Medicaid
In this 328-page
compendium of Medicaid "inside information," I discuss all the Medicaid rules in great detail, and show you how to apply them to your own
situation. I've included many case studies, and have designed it in such a way
that it can be read and understood by laypersons.
This is the best education you can find on the Medicaid system as
it relates to anyone living in a nursing home -- and it even
includes advanced asset protection techniques as well.
This is no ordinary book. (Click to see complete Table of Contents and Index)
It is the definitive
guide to nursing home Medicaid qualification and is the only
resource that is completely up-to-date through January 2013. It includes all the massive changes brought about
by the federal Deficit Reduction Act that was signed into law on
February 8, 2006 and later amended on December 20, 2006. That law changed many of the "rules of the
game" -- including the rules affecting qualification for the Medicaid
It's important to note that every technique and option
presented in the book is 100%
legal -- unlike a lot of the advice you might get
elsewhere. It gives you planning options that will enable you
to steer clear of making the kinds of transfers or blunders that
can get you in trouble down the road.
"A Must-Read for Anyone Who Has Elderly Parents
in Need of Nursing Home
never knew I could qualify my mother for nursing home Medicaid until
I ran across Gabriel Heiser's book, How to Protect Your Family's Assets from
Devastating Nursing Home Costs: Medicaid
Secrets. I was under the mistaken
notion that Medicaid was only for people on welfare. I was
thrilled to discover that I could help my Mom, who's now disabled,
to protect the money that my Dad left her upon his death, as well as
keep the family home that we grew up in -- instead of selling it off
to pay for nursing home costs. Medicaid Secrets is a priceless resource
that's a must-read for anyone who has elderly parents in need
of nursing home care."
-- Maria V., Beverly Hills,
Why is There Such a
Scarcity of Reference Material About
Ever since the inception of
Medicaid, there have
only been a small handful of books concerning nursing home Medicaid qualification that
have ever been published. Most of them are now either outdated or
out-of-print. Relying on those books for reference will get
you nowhere -- and may even get you in hot water!
One would think that because an estimated 40% of
people over 65 will require nursing home care at some point in their
lives, that there would be an abundance of books on how to qualify for
Medicaid. This is not the case.
Because it takes a
top-caliber attorney with years of experience in elder law
to write such a book -- and, like myself, these attorneys are all too
busy charging $250-$300 per hour giving legal advice to an endless
parade of people seeking to qualify for Medicaid.
So busy, in
fact, that no one has ever bothered to sit down and write a book --
"A Godsend...amazing guidebook...should be read by every taxpayer!"
book is a godsend as it guides the reader through the complex issues
relating to Medicaid benefits, qualifications, and application
This amazing guidebook
will help you discover the secrets of protecting your family assets
in ways that will not disqualify you from Medicaid benefits. The
contents include a comprehensive working definition of Medicaid, what is
provided, and how to apply for the program. Medical and income
qualifications are covered in detail. Strategies for transferring assets, setting up trusts, and planning annuities are all addressed.
I personally found the Case Studies to be helpful.
These examples gave several possible scenarios which offered me ideas
for integrating these applications to planning an approach to finding
solutions in my own life situation.
The appendix contains important information on a
Durable Power of Attorney, as well as valuable suggestions on
obtaining a qualified attorney. A glossary, important statistical
tables, some applicable federal laws, a list of resources and agencies
available, and Medicaid questionnaires, all make this a valuable resource and reference guide.
|"This is an important
guide for retirement planning and for anyone with a family member in,
or approaching, a long-term-care situation. It can also become a
valuable resource and reference guide for professional financial and
estate planners, attorneys, for people in the medical profession,
social workers, and ministers."
I found the book to be crucial, timely, and important.
"How to Protect Your Family's Assets from Devastating Nursing Home
Costs: Medicaid Secrets" is a book that should be read by every
American taxpayer as well as by every recipient and future recipient
of Medicaid benefits."
I took the time out of my busy schedule to write the book because over the years, I began to realize that I wanted to help more people qualify for Medicaid than just those who live in Colorado, where my law practice was based.
So for the first time, I spilled my secrets in the pages of
Protect Your Family's Assets from Devastating Nursing Home Costs:
Medicaid Secrets. Here's a sneak peek at some of the nuggets
contained in the Medicaid Secrets:
Discover what single legal document can make a huge
difference in your Medicaid planning, possibly saving your
family thousands of dollars (page
How to make gifts
that incur no penalty period -- even if made within the lookback
period (pages 166-171)
How to reduce your home equity if you are over the
$536,000 limit without incurring a penalty -- and why a reverse
mortgage is not a good way to do
this (pages 95-99)
How to put your
assets in various trusts in order to qualify a family member
for Medicaid immediately -- and still have the assets
available to be spent on the family member's supplemental care (page
technique of creating a living trust that enables a
nursing home spouse to immediately qualify for Medicaid --
and allow the other spouse to keep the full Community Spouse
Resource Allowance of $115,920. This seems counter-intuitive, but it works like a charm! (page 93)
Why annuities are such a
powerful Medicaid planning technique
-- When you buy the
right kind of annuity, suddenly all the money you used to purchase
the annuity has "disappeared" for Medicaid eligibility
purposes! (page 131-149)
When to apply for Medicaid: How applying a day too
early can cause years of penalties to be imposed unless you
know the rules! How applying too late can cause you
to lose substantial Medicaid benefits for which you could have
qualified sooner (page 18)
How you can lose your home if you're not careful --
and how to protect your home! (pages 115-126)
How to shelter a
significant amount of cash by buying a new car or a
larger car (perhaps a van that is wheelchair accessible) for
the Medicaid recipient (page 90)
This single secret allows you to protect thousands of
dollars by benefiting your children, brothers, sisters, in-laws,
without causing you to be penalized for making a gift! (page
Avoid losing your home! How to title your home
so that it will not have to be sold to pay back the state at your
death (pages 123 and 195)
How to make transfers to family members that won't disqualify
you from Medicaid (pages 167-170)
Ingenious ways to reduce your excess income in
order to qualify for Medicaid (pages 28-29)
How to avoid questionable techniques -- These ploys
are risky, banned by many states, or deemed as
penalty-causing activities (page
"I used this book to help my parents plan for their futures..."
used this book to help my parents plan for their futures. I had
reviewed plenty of resources, but this was far and away the best
overall. Covers trusts, annuities, all the strategies simply and
clearly. Tells you what is legal and what is not. If you can choose just one book on Medicaid planning, this is the one!"
-- Ruth M., Mystic, Connecticut
When you should use a
life estate purchase -- and what technique is better and
avoids the one-year residency requirement (page 121)
How to avoid one of the
most common and expensive mistakes -- Do this and the
Medicaid recipient could be disqualified and lose both nursing home
Medicaid and medical coverage (page 117)
How to use a certain type of "IOU" to make money virtually
disappear by lending it to someone else -- this is
particularly important so that you don't run afoul of the new federal
rules (page 151-156)
Why purchasing a "Medicaid-friendly" annuity is a
wonderful way to convert countable assets to non-countable for Medicaid qualification purposes (page 132)
This single technique can easily double the amount of
assets that your family can protect -- sssshhhh, most
attorneys aren't aware of how this works! (page
How to avoid having your family member evicted from the
nursing home after finally getting on Medicaid (page
In many states you can exempt an unlimited amount
of certain types of property -- and it's not the home I'm
talking about -- but only if you know how to claim this
exemption! (page 101)
How to protect an additional $469,200 without making any gifts, when your spouse is in the nursing home (pages 52-53)
"Saved my mother $1.5 million ..."
"I read your book after my father had a stroke and was able to save my mother 1.5 million dollars and qualify my father for Medicaid. Thank you!"
-- Jeri T., Renton, WA
to change in your will if
your spouse ever needs nursing home care
(most attorneys miss this one -- costing your family thousands of
dollars!) (page 164)
Why you can always protect at least 50% of the value of your
house if you do this simple technique prior to
applying for Medicaid. Most people do this backwards, costing them thousands in unnecessary expenses! (page 164)
What's the right -- and wrong -- way to title your
car, so the state cannot attach it following your death (page
Eleven clever ways to protect your interest in your home, to prevent the
state from taking it following your death (pages
Smart tricks to
"spend down" your resources -- This means that instead of spending
your money on things that Medicaid can ultimately pay for, you pay
for something that will benefit you and your family
yet not have it considered a gift or a countable asset. (pages
If you're married, who should be the owner of
the Medicaid annuity? Who should be the “annuitant”? When is a
promissory note superior to an annuity? (pages 140 and 151)
How to protect your assets using the popular "Half-a-Loaf" gifting
technique (including the actual formula to use) (page 144) but why this classic technique no longer works unless you know the new alternative methods (we show you four ways to do this (pages 158-165)
How to get your farm--including all the land, tool sheds,
and equipment--to be excluded when you apply for Medicaid, no
matter what their current value is (page 47)
What to do when you have too much income to qualify for Medicaid -- but not
enough income to pay for nursing home care
privately (page 28)
and much, much
I'm convinced that any one of
the powerful techniques I reveal in Medicaid
Secrets has the potential to save you thousands of dollars
in nursing home costs. This book will easily pay for itself over and
over again for months and years to come.
"Well written, clear, easy to follow, and well organized..."
"I have read your book and it is great! It is a perfect quick tour of Medicaid planning... I highly recommend it
to anyone who needs to get quickly up to speed when the need arises
because a friend or family member is facing nursing home expenses...or
who wants to think ahead to that possible need. Lawyers
can give it to clients to help them understand "the rules." Advisors
don't need to fear this book will turn their paying clients into
do-it-yourselfers, because almost every rule contains state-specific
variations and this book does not cover those. So for clients and would-be clients, this book shows why they need the help of a pro. I
especially appreciate the clear delineation between the forbidden and
the permitted. It's well written, clear, easy to follow, and well
organized. I found it very useful when helping a friend who has just entered a nursing home."
--Natalie B. Choate, nationally recognized attorney and America's leading speaker on retirement planning; author of Life and Death Planning for Retirement Benefits (www.ataxplan.com)
So How Much Is All This Worth to
What is the value of owning the only reliable,
completely up-to-date resource available on the market that reveals
secrets about how to qualify for nursing home Medicaid --
without going broke?
What price can you put on the
inside information that can qualify your elderly parent, a family
member or you for Medicaid -- and getting Medicaid to pay the entire
cost of a long-term stay in a nursing home?
What is it worth to
save tens of thousands -- even hundreds of thousands --
of dollars in nursing home costs -- and not drain your life
savings, or lose your home and other family assets?
this could easily be worth a small fortune to you over just a few
months. But you won't have to pay $10,000, $8,000 or $6,000
for this inside information.
No, you won't even have to pay $2,500
to $5,000 (which is what I charge for a complete plan that
positions my clients to qualify for nursing home Medicaid).
you'll find it hard to believe this, but How to Protect Your Family's Assets from
Devastating Nursing Home Costs: Medicaid
Secrets is only ...$47.
Yes, your investment in this treasure trove of Medicaid secrets is just $47. This price is
only a fraction of the $250 that I charge for a one-hour
consultation, in which I cover only a tiny part of what my book
With nursing costs averaging $90,000 a year (or $247 a
day), your investment of $47 is less than 1/5 of a single day's stay in a nursing
Since you've read this far, I know you're obviously interested in qualifying for nursing home Medicaid -- without going broke. So shouldn't you own this book now?
"The best book I have found on Medicaid planning--
and I spent endless hours researching the subject!"
purchased your book for our personal use. We are in our 70s and are
thinking about an irrevocable trust to shelter our home. We have a
preliminary appointment with an attorney this week and thanks to your book we are well prepared!"
-- Elisabeth B., South Jordan, Utah
CLICK HERE TO ORDER NOW! Here's My Unconditional
When you're ready to stop
wasting time trying to figure out how to qualify for nursing home Medicaid
-- and not risk one penny more than you have to on nursing home
Secrets is absolutely indispensable. Why not
try it risk-free?There is absolutely no way you can lose –
except by not taking me up on this offer.
I personally guarantee that
is the most
complete and comprehensive resource containing little-known strategies and
techniques for qualifying for Medicaid sooner than otherwise
won't replace the need to consult with an
experienced elder law attorney, it will arm you with an abundance
of information that will give you a head start in preparing to qualify
for Medicaid. You'll be on firm ground when you do consult with
an attorney, and you'll be equipped with enough information to know
whether your attorney really knows what he or she is talking about -- and
whether or not you're getting good advice. Best of all, you'll be
saving a lot of money on attorney's fees (which run $250 to $300 per hour)
because your attorney will not need to educate you on the ins and
outs of the Medicaid system.
reading Medicaid Secrets and
learning the secrets that I reveal, you don't think it's worth at least 10 times its
price, or you're not completely satisfied for
any reason, simply return the book in new condition within 30 days of
delivery and you will receive a full refund of your purchase price.
So now, the only question left to answer is
...when do you want to
qualify for nursing home Medicaid and start protecting your family's
assets from devastating nursing home costs -- now or later?
If you put this off until later, you may run the risk of finding
out that you could have qualified for Medicaid way before you
thought you could -- and thereby lose months' worth of benefits that
could've been yours.
Your life savings, your home and your family's
assets are some of the most important possessions of your life — and you
(or your parents) worked hard to own them. How you protect those
assets today may determine your family’s standard of living for years to
come. Therefore, I urge you to act now, and take this step toward preserving
your family's assets.
Remember: You have the power to arrange your
affairs in ways that will allow you to protect as much of your family's
assets as possible while enjoying Medicaid benefits -- and using means
which the law permits. Medicaid Secrets shows you ways to exercise that power and enables
you to qualify sooner -- rather than later.
Whatever you do, you must not procrastinate on
this. Advance planning is the key to taking full
advantage of everything Medicaid can provide. If you plan
too late -- or don't plan at all -- you'll be left with very few
options and there'll be little you can do to protect your family's
assets from being wiped out.
I've seen too many people make very
expensive mistakes out of ignorance of Medicaid rules -- or
ignorance of how the rules apply to them. Then there are those who
know "just enough to be dangerous." You could get in a lot of
trouble if you don't know what you're doing -- and end up paying huge
fines and penalties or even going to jail because you followed
If an elderly
parent or other family member is headed for a nursing home -- or is
already in a nursing home -- you simply can't afford to be without
Secrets. I've gone to great
lengths to bring you this first-ever, powerful resource on Medicaid
qualification. I've already helped hundreds of people
pay for nursing
home care -- without them going broke. I hope you’ll allow me to help you too — with
Wishing you all the best,
Gabriel Heiser, J.D.
Elder Law and Estate Planning Attorney
P.S. With an estimated 76
million baby boomers reaching the age of 65 between 2011 and 2029 -- and
40% of them needing nursing home care for either themselves or their
parents -- there will be an overwhelming number of people seeking
nursing home Medicaid. Because the Medicaid system is already
underfunded as it is, the difficulty in getting Medicaid funding for your
family's nursing home costs will only get more fierce as time goes
by. Medicaid Secrets will
give you an unfair
advantage over others who are competing to qualify for
Medicaid's dwindling resources. Get Medicaid Secrets
risk-free today and see for yourself why you simply can't be without this
"We read the book before meeting with an attorney..."
"We read the book before meeting with an attorney that specializes in these issues. It was great preparation for us. We would highly recommend it."
-- Barbara R., Ninety Six, South Carolina
NOTE: All testimonials on this website are from ACTUAL emails received by the author, on file in the offices of Phylius Press.
P.P.S. Remember: Any one of the powerful techniques or secrets that I reveal
in Medicaid Secrets has the
potential to save you tens of thousands -- even hundreds of thousands -- of
dollars in nursing home costs. The book will easily pay for
itself over and over again for months or years to come. Medicaid Secrets is not available in bookstores. But you can
get it right here, directly from the publisher at the special price of $47. Own this priceless resource now.
CLICK HERE TO ORDER NOW!