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Our Services. Your Solution.
Whether you are facing a medical emergency, attempting to avoid probate, or wisely planning for the future, we provide customized solutions to preserve and protect your hard-earned assets.
Expert Assistance in Obtaining Immediate Federal and State Medi-Cal Benefits
We qualify individuals for Medi-Cal even if they are already in a nursing home and privately paying for care. We will obtain immediate coverage for skilled nursing care, while preserving the family's assets.
For those already on Medi-Cal benefits and in a facility, NHS can still help protect the family home from a potential Medi-Cal Recovery. For married couples, we seek to preserve the home(s), property(ies), funds and continuing income for either the well spouse or the caregiver. For single people, we focus on security, care continuity and asset preservation, including the home.
Assessment
Before your first office consultation, we perform an extensive assessment to determine if your family will benefit from our services. We gather information about finances, powers of attorney and marital status. We ask about the patient’s medical condition, such as Alzheimer’s, dementia, stroke, heart attack, Parkinson’s disease, duration of the illness, present placement status, and daily medical costs.
Consultation
NHS recommends a plan to preserve the senior's and/or family members' assets while making certain that the individual will qualify for Medi-Cal to receive the necessary skilled nursing home care.
Implementation of Services and Representation
NHS implements the plan, taking necessary steps to protect and preserve assets belonging to the person, spouse and other family members. NHS staff members complete the application, act as an intermediary and assist with government agencies, handle all court proceedings and stand by the family throughout the entire application process.
NHS staff members also act as liaison between families and nursing homes when ill family members are transferred from hospitals.
Case Manager Counseling
Our case managers are experienced Registered Nurses (R.N.'s) and Social Workers that assist with placement needs – from recommending nursing home facilities to assisting the emotionally drained family with proper placement for their loved one. Upon request, our case managers will interact with insurance companies to maximize the benefits and get authorization for the most appropriate level of care.
Traditional Estate and Financial Planning
Along with a plan for long-term care, traditional estate planning needs such as probate avoidance, minimizing tax consequences and maximizing financial stability of the family are also considered. When we meet with our clients, we tailor the solution to ensure that the needs of both long-term care and traditional estate planning are met.
Essential Tools
Regardless of the good health, every person should have vital tools in place so that someone can make financial and healthcare decisions if a person is unable to do so. Advanced Healthcare Directives and a Durable Financial Power of Attorney are minimally necessary. Also, a simple Will should be in place which would provide for the orderly distribution of your assets. These tools will enable you to act when the time comes.
Review of Living Trusts
Are you aware that the majority of Living Trusts do not protect assets from creditors of the trust when it comes to long-term illness? In fact, Living Trusts can cause you to lose everything you own when faced with a long-term illness. NHS will review and recommend steps to solve the Trust dilemma.
Insurance Concerns
While NHS does not sell insurance, many families who contact us have questions regarding their current insurance coverage and possible future needs. Brad King, an insurance agent with 30 years experience, is an existing NHS client who understands long-term care, nursing home needs and Medi-Cal due to his mother’s stroke. When his mother had a stroke, his family suffered a catastrophic financial loss in spite of his extensive experience. He learned the hard way that misinformation about insurance, annuities and Medi-Cal can cause a disaster. If you have a question about your coverage or about what you may need, Brad is an excellent resource.
Bran can be reached at brad@bradfordjking.com
