Long-term Care Planning

How much free money are you currently getting for long-term care? When was the last time you talked to a professional about long-term care? Chances are, it was never. That’s okay – almost no one thinks about it until being faced with putting a loved one (or themselves) into a long-term care community. That’s where we can help.

We show families how to get Medicaid and/or VA benefits. Having gone through the process with our own family members several times, we recognize how confusing and tedious it can be to wade through the swamp of bureaucracy to qualify for government assistance. We have a superior track record of getting our clients as well as our own family members their maximum level of assistance.

We also help families plan strategically for the future. Long-term care planning is our specialty. Our goal is to preserve and protect as much of your family’s estate as possible – leaving your legacy intact for children, church or charity.

Inside the Numbers

Consider the following facts. In Central Florida, the average long-term care community costs about $3,500/month, while the average nursing home costs about $7,000/month. The average stay is three years for a physical impairment, and eight years for a cognitive impairment (such as Alzheimer’s, dementia, etc.).

These statistics show why estate planning is so critical. Many families that ignore long-term care planning end up running out of money and having to move their elderly parent out of a facility. But it doesn’t have to be this way. Our estate planning techniques can help you:

  • Get the government to be the primary payer of long-term care
  • Qualify for benefits you were previously denied or believe you don’t qualify
     for
  • Preserve the money in an estate so it can be passed down to future
     generations

Don’t take someone else’s word for it. You need to call us right away if you believe (or have been told) that you:

  • Have too many assets to qualify for government benefits
  • Have too few assets to worry about estate planning
  • Need to “spend down” or “gift” your assets in order to obtain benefits
  • Are running out of money for the care of an elderly family member

How Can Micel Financial Help?

Micel Financial is a financial planning firm specializing in estate planning for long-term care. We carry the prestigious CLTC designation, which stands for “Certified in Long-Term Care.”

Micel Financial will help you reposition and protect your assets in order to preserve your estate planning wishes. Our team of experts can help you with:

•   • Estate (probate, trusts)
    • Taxes (income, estate, gift)
    • Investments (stocks, bonds, mutual funds)
    • Insurance (life, health, disability, annuities, long-term care)
    • Retirement (401(k), 403(b), IRA, Roth, rollovers)

Free Consultation

One phone call to us can answer all your questions and completely transform your situation. What you read on the Internet, hear from your brother-in-law, or think you know about estate planning for long-term care is often incorrect. Give us a call to get powerful, accurate information you can use today.

Don’t let the costs of long-term care rob you or a loved one of your life savings! Government programs and estate planning techniques can help you minimize this financial burden and give you peace of mind. Call us today at 407-601-3063 or click here to email a request for a FREE individual consultation. Find out how much money you could be saving!