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Medicaid Planning: Who Should Consider It.

February 11, 2014

by David Zumpano with One Comment Medicaid

The first question you'll run into in Medicaid planning is, who needs it? Attorneys will bump up against a variety of scenarios, from those clearly in need to others who are convinced they're "all set." So which ones truly need your help?

The safe answer is, more people need this than you might think. Let's run through a typical case, and you'll see what we mean.

Most of our Medicaid clients here have income of around $2,500 and live on $2,000, so we'll use those numbers for our typical case. The difference between those two means there's $500 in disposable income every month.

Now let's see how far that gets us. In this area, typical long-term care costs are about $6,000. Subtract the $500 in disposable income from that and you've got a shortfall of $5,500 per month in paying for the client's care. That's $66,000 per year, and that will have to come from the client's principal.

So the next question is, how much investment do we need to cover that shortfall? To figure that out, choose an expected rate of return. Let's say 5%; if we went any lower, you might freak out. You'll see why in a minute.

The $66,000 divided by your .05 rate of return tells you how much money you would need in investable assets to generate the funds to cover the shortfall. In this case, that amount would be $1.32 million. If you can only manage a 3% return instead of 5%, which is more likely, then you would need $2.2 million in investable assets. So, as you can see, someone who thinks he is set because he has $1 million is in for a shock, because he's not even close to covering his costs of care.

For the attorney, this is a powerful way to explain who should be scheduling a Medicaid conversation with you. Because a client who does not have the total net worth to pay his own way has to understand that it’s going to be eating up his principal, and it becomes a planning issue for you as the attorney to be able to solve. And that’s really a powerful tool to help you identify whom in your community this would apply to.

A word of warning: You're probably better off presenting the above math to a referral source, not directly to a client. If you drop this on your clients, our experience is that it can seem too technical, and you really want to keep it simple for them. Do the math for your client, then just ask the big question: "Did you know that you don't have sufficient assets to pay your way if needed?"

Factoring in the numbers that are relevant to your region and your practice. If in you area, for instance, the cost of nursing homes is more like $9,000 per month, the client would need $3.4 million sitting in a brokerage account generating 3% to cover that. So being a multimillionaire might be just enough.

David J. Zumpano, Esq, CPA, Co-founder Lawyers With Purpose, Founder of MPS, Founder and Senior Partner of Estate Planning Law Center.

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Obama Care & Estate Recovery – The Impact on Medicaid – Lawyers With Purpose

February 3, 2014

by David Zumpano with 2 Comments Asset Protection Medicaid

The Omnibus Budget Reconciliation Act of 1993 required all states to implement an "estate recovery program" to recover assets from the estates of any individuals who received Medicaid benefits during life. The default language of the federal statute provides the state can recover from the "probate estate" of the Medicaid recipient, but allows the states to expand the definition to include all assets owned by the recipient including joint accounts, lifetime interests, beneficiary designated accounts, and even trusts.

So what does this have to do with the Affordable Care Act, commonly known as, “Obama Care”? There is a new twist coming to light regarding States’ rights to recovery for Medicaid benefits paid. What does the Affordable Care Act have to do with Medicaid benefits? While it does not, in any way, provide care for nursing homes, it does provide that Medicaid can be a provider of health insurance and can be available on the exchange for affordable healthcare. It seems pretty ordinary, except the Affordable Care Act has a provision that ensures estate recovery from the estates of those receiving Medicaid benefits for healthcare.

What does this all mean? Well, for the first time, estate recovery will apply to those individuals who receive Medicaid as a health insurance benefit rather than just as a nursing home benefit. This could impact many seniors who currently rely on Medicaid (in addition to Medicare) to help pay for their medical expenses and healthcare costs. It is unclear whether the enforcement procedures or the state's ability to recover on healthcare-related Medicaid costs will be enforced and, if so, how it will be managed.

It is essential we understand the estate recovery laws and how they impact Medicaid recipients. More importantly, it’s imperative to ensure your healthcare needs will be met now and in the future. The best way to ensure the total protection of your assets and your values now and after you pass, is to plan ahead. Those that have failed to plan are typically the most adversely affected by the rules. I encourage you to make sure you address these new rules when doing your planning.

David J. Zumpano, Esq, CPA, Co-founder Lawyers With Purpose, Founder of MPS, Founder and Senior Partner of Estate Planning Law Center.

Medicaid Terms of Art Glossary

January 22, 2014

by David Zumpano with No Comment Asset Protection Medicaid

Dave Zumpano used the below Terms of Art Glossary for the Your Legal Hour series on Medicaid Planning: Who Should Consider It. We've put them in a user friendly format for you to print and use as needed!

CS: Community Spouse: The Spouse of an institutionalized individual and does not reside in an institution.

IS: Institutionalized Spouse: The spouse that resides in an institution and is receiving chronic care (not custodial).

MA: Medicaid Applicant: Individual applying for Medicaid.

MR: Medicaid Recipient: Individual qualified for and who is receiving Medicaid benefits.

INDIVIDUAL RESOURCE ALLOWANCE: The amount of resources (assets) the Medicaid Applicant can retain and still be eligible for Medicaid benefits.

CSRA: Community Spouse Resource Allowance: Minimum and Maximum amount of resources (assets) the community spouse is entitled to retain and have the institutionalized spouse be eligible for Medicaid benefits.

MMMNA: Minimum Monthly Maintenance Needs Allowance: (“Triple M N A”): The minimum amount of income per month a “community spouse” is entitled to retain prior to being required to contribute toward the “institutional spouse’s” cost of care.

SNAP SHOT DATE: The date used to calculate the CSRA. The first day the Medicaid applicant is admitted to a health care facility for at least 30 continuous days and then applies for Medicaid benefits.

LOOK-BACK DATE: The first day of the month in which a MA resides in a health-care facility and applies for Medicaid benefits. (Can apply for benefits retroactively 3 months.)

LOOK-BACK PERIOD: The period of time Medicaid will look at all financial records of a MA. The Look Back Period begins on the Look Back Date.

SPEND DOWN: The method or process of transferring (or spending) MA’s income or assets to get applicant and/or community spouse to Medicaid qualifying levels.

COMPENSATED TRANSFER: A transfer or spending of MA or CS’s income or assets and MA or CS receives something of equal value in return.

UNCOMPENSATED TRANSFER: A transfer or spending of MA or CS income or assets and MA receives no value, or less than the value transferred in return.

MONTHLY DIVISOR: The average cost of one month of private pay nursing home costs in your region. (Must be revised annually by the state)

PENALTY PERIOD: The number of months an MA is ineligible for Medicaid Benefits because of an uncompensated transfer.

Know The Five Key Trusts

October 14, 2013

by Lawyers With Purpose with No Comment Asset Protection Medicaid

We’ve seen a lot of changes in trusts for estate planning solutions over the last 20 years. Prior to 1993 there were basically two types of trusts; revocable living trusts to avoid probate and provide for asset management in the event of disability, and irrevocable trusts to prevent any unnecessary estate tax. Over the last 20 years a lot has changed, and a new genre of trusts known as iPug™ now serves 99.8 percent of Americans. iPug™ stands for Irrevocable Pure Grantor Trust. “Pure” means it is a grantor trust for income tax purposes and included in the grantor’s taxable estate. The popularity of these trusts has grown significantly since 2001, with the enactment of EGTRRA raising the federal estate tax limits to over $5 million. As a result, the number of Americans affected by estate tax is now less than one fifth of one percent.

There are three variations of the iPug™ trust: the income-only version, which we at Lawyers with Purpose call the MIT™; the control-only version, which we call the FIT®; and the third-party version, which we call the KIT®. Each of these trusts allows the grantor to be the trustee of the trust AND retain the full power of appointment to change everything and anything in the trust except that which the grantor wishes to protect. For example, in the income-only version the grantor irrevocably gives up the right to principal but retains the right to income and the ability to change all provisions of the trust, including the beneficiaries and the timing, manner and method of distribution. While this has many traditional planners on edge, my law review article “Irrevocable Pure Grantor Trust, the Estate Planning Landscape has Changed,” should calm the typical concerns. It should provide comfort that I have been using these for over 20 years and have thousands of them in the marketplace, and they have been utilized throughout the country by over 500 law firms over 13 years.

Simply, iPug™ planning does not relate to tax planning, but rather to asset protection planning.

The Uniform Trust Code, the Restatement Second and Third of Trusts and every treatise on trusts is in agreement, asset protection rules are very simple: whenever the grantor retains a right directly or indirectly (through any power of the trustee) to benefit from a self-settled trust, is also available to the creditors of the grantor. This is where iPug™ trusts are uniquely different. In the MIT™, the grantor irrevocably gives up the right to principal from the trust and cannot ever have access to the principal. Thus, because it is forbidden to be distributed to the grantor, it is blocked from access by any of the grantor’s creditors, predators or long-term care costs. Similarly, the control-only version of the iPug™ (FIT®) works exactly the same way, except that in this version the grantor retains no right to income or principal. This trust is typically used for people who do not need the assets or the income from the assets placed in it, but seeks to protect it from their creditors, predators and long-term care costs. The significance of the FIT® is that the grantor still retains full control of all assets and maintains privacy, not having to share any financial information with family or anyone else. The grantor also retains the freedom to make distributions of principal anytime during life, to any child or other beneficiary, for any purpose. The only restriction is that the grantor is prohibited in any way from transferring the income or principal to him or herself, thereby protecting it from any third-party creditors, predators or long-term care costs. Basic Asset Protection Law.

Finally, the third-party version (KIT®) is a slight variation in this trust is typically used when a client has already transferred assets to third parties (i.e. children). For example, dad and mom transferred the family farm to the kids hoping to "protect it," but not realizing that by doing so, it became subject to the kids’ creditors, predators, long-term costs and divorce. In order to protect transferred assets from the creditors, predators, divorce and long-term care costs of the transferees (children), the transferees act as co-grantors to create an irrevocable trust and fund it with the assets that had been previously conveyed. The parents can be the beneficiaries during their lifetime and upon the death of the parents, it can revert back to the children individually or in an asset protection trust designed similar to a MIT™ or FIT® to the children (now as grantors) and therefore self-settled. This provides asset protection to the parents during life but also could provide lifetime asset protection to the children as if they had done a MIT™ or FIT® themselves (after death of parents). Since a KIT® is a third-party trust, it is not within reach of the parents' predators, creditors or long-term care costs.

Perhaps the greatest untapped use of iPug™ trusts by most practitioners is for business owners. I have been successfully using these trusts with business owners for many years, and they love them when they understand how it protects them. If a business owner has a corporation or LLC, all of their personal assets are protected from the liability of that LLC or corporation, but the LLC or corporation is not protected from their personal liabilities. The corporation or LLC is an asset subject to the reach of the creditors if the liability is personal. As a result, I have many clients who opt to put their business interests into a MIT™ or FIT®. Using the MIT™ protects the business from being taken by personal creditors, predators or long-term care costs but does allow all the income from the business (which pours into the MIT™) to be distributed to the grantor. Another strategy is to use the FIT® for the business trust. This provides no income or principal to the grantor through the trust (and therefore protects it from the grantor's predators, creditors or long-term care costs) but the grantor could receive any amount of income deemed reasonable by business standards directly from the LLC or corporation.

For example, as an officer or employee of the corporation the grantor can receive a salary like any other employee. This income, however, will not be subject to his creditors and predators but could be “shut off” at any time by his resigning from the company. This provides both the benefits of retaining the right to income as well as retaining the ability to protect the income should the grantor decide differently at some point in the future. Trust planning is exciting in this new millennium, and utilizing all of the various trusts will help make us better counselors in serving our clients. I encourage you to stay abreast of all the issues related to iPug™ trusts and how they work for Medicaid eligibility, veteran’s benefits, and business protection planning.

David J. Zumpano, Esq, CPA, Co-founder Lawyers With Purpose, Founder of MPS, Founder and Senior Partner of Estate Planning Law Center.

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Living In A Bubble

September 20, 2013

by Lawyers With Purpose with No Comment Medicaid

I was surprised recently to see an email from the owner of the financial services firm with whom I have been trying to work for years. When I opened it, I discovered he was inquiring about a client we shared. He was questioning the irrevocable trust I had done for the client that allowed the client to serve as trustee. He was further confused by my instruction to the client that the irrevocable trust I entered for him did not need a tax identification number. He asked me if the client understood me properly or whether I had made an error.

My immediate reaction was, wow! Is this guy living in a bubble? To think, someone who owns and manages one of the largest privately owned regional brokerage houses was asking these questions. After regaining my composure, I sent him a reply that not only confirmed our intentions but also outlined the many other advantages of Irrevocable Pure Grantor Trusts. I further indicated that I would be happy to sit down with him and go through the mechanics of how they work and how we use them to not only protect the assets of clients like the one we shared (a 62 year old with $1.5 million in assets), but also for many clients who own businesses and all clients concerned with the cost of long-term care. I also provided my law review article published in 2011, “Irrevocable Pure Grantor Trusts: The Estate Planning Landscape Has Changed.”

It is essential today that, if you are helping individuals concerned about protecting their business or personal assets from general liability or from long-term care costs, you must be intimately familiar with how the iPug™ genre of trusts meets many if not all clients’ needs. In my experience, most clients who come to me for planning have three requests: 1) I want to stay in control of my assets; 2) I want to protect my assets from the government and the cost of long-term care; and 3) I don't want to become a burden to my children. All three goals can easily be met when doing proper planning using an Irrevocable Pure Grantor Trust. Another blind spot for business owners and their financial professionals is the belief that creating an LLC or a corporation protects their assets. While the business owner's personal assets will be protected from the liabilities of the LLC or corporation, the ownership of the LLC or corporation will be at risk to the personal liabilities of the owner (including lawsuits or long-term care costs).

An Irrevocable Pure Grantor Trust is a mechanism that allows business owners to maintain control of their assets and the freedom to continue to develop their business while protecting it not only from the creditors of the business but also the personal liabilities of the business owner. Obviously the best defense is a good offense. Making sure you don’t live in a bubble and are fully aware of how Irrevocable Pure Grantor Trusts are becoming the trust of choice for the 99.8% of Americans who are no longer concerned about Estate Taxes will ensure you a prosperous practice and identify you as a counselor to guide your clients to the solutions that best fit their needs.

David J. Zumpano, Esq, CPA, Co-founder Lawyers With Purpose, Founder of MPS, Founder and Senior Partner of Estate Planning Law Center

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The Three Most Confused Medicaid Terms

September 17, 2013

by Lawyers With Purpose with No Comment Medicaid

The three most confused terms in Medicaid planning are the look back date, the look back period and the penalty period. If you go to any beauty shop or coffee shop and ask the people what would happen if they transfer assets, the common answer will be that they are ineligible for Medicaid for sixty months. Medicaid practitioners know sixty months is merely the period of time Medicaid can look back at the financial records of a Medicaid applicant, a.k.a. the “look back period.” The period of the look back (sixty months) has no impact on qualifications. The look back period begins on the look back date. The look back date is the date a Medicaid applicant resides in a care facility and applies for benefits. It is critical that a practitioner understands this distinction. If a client resides in a nursing home and you apply for medical before continuing the client’s eligibility, you can disqualify a client from medical and create a penalty period that is far greater than sixty months. This occurs when there is a large uncompensated transfer within the look back period.

Once Medicaid looks back at the financial records from the look back period it examines whether any uncompensated transfers occurred. An uncompensated transfer is the transfer of assets made by an applicant to someone else with no compensation in return. Gifts are typically the most common uncompensated transfer. If there is an uncompensated transfer, Medicaid will deem the applicant ineligible for a certain number of months based upon two factors: the amount of money transferred and the monthly divisor in the region where the applicant lives. Each state must publish, at least annually, the average cost of one month’s private pay nursing home cost for the region. If the average monthly private cost of a nursing home was $5,000 and the uncompensated transfer was $100,000, the applicable penalty for the transfer is 20 months. So the 60‑month look back period has nothing to do with how long an applicant may be ineligible, it’s merely a period of time Medicaid can look back at financial records to determine if an uncompensated transfer occurred, and if so, then calculate the penalty period based on the amount of the uncompensated transfer and the regional divisor.

It’s that simple.

David J. Zumpano, Esq, CPA, Co-founder Lawyers With Purpose, Founder of MPS, Founder and Senior Partner of Estate Planning Law Center

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Know What Trust & LWP-CCS Options To Choose

August 16, 2013

by Lawyers With Purpose with No Comment Estate Planning Drafting Software Medicaid SNT VA

During Day 2 of the LWP Retreat Attorneys Track – members will be learning fact patterns, designing plans for results and the CCS features & functions in a way that they can understand the science, the art and the legal technical. Dave Zumpano, Victoria Collier and resident SNT expert Kristen Lewis will lead you through an extensive legal technical day. Our goal during this time together is for you to know with certainty the LWP-CCS software confidently, competency and consciously to get the results for meeting your clients’ wants and needs.

You'll gain knowledge of all the trusts available in the CCS as an LWP Member. RLT, MIT, FIT, KIT, CGT, TAB, ENT & SNT trusts will be covered so you'll walk away knowing what they are – and how to charge clients, ultimately increasing your revenue.

What will you be missing if you don't attend? What the software is capable of:

Powers of Appointment
Formula Funding
Retirement Plan Choices
Lifetime Beneficiaries Choices
Family Trust Beneficiaries
Residual Trust Options
Trustee Formula Selection
Trust Protector & Powers
Remarriage Choices

Day 2 will methodically teach you all this and how to compensate yourself for the value you bring to your clients and referral sources. Register today, the hotel is almost SOLD OUT and sells out every year. Invest in your future today and secure your spot. The price will increase tomorrow click here to register now. We can't wait to be in the room with you!

Next up…..what’s our team doing all of Day 2?

Sheraton Syracuse University Hotel & Conference Center
Room Rate: $132.00/Single – $142.00/Double – $152.00/Triple & Quad
Group Rate Cut Off Date: 5:00 pm October 7, 2013

Is Medicaid For Millionaires?

July 25, 2013

by Lawyers With Purpose with No Comment Medicaid

There is a misunderstanding in the industry as to whether millionaires should protect their assets to qualify for Medicaid so they can pay for their long-term care should the need arise. While it makes good headlines, the question is not the determining factor of Medicaid eligibility. Obviously, those who have the means are able to provide for themselves to a much greater extent than those who are required to rely on Medicaid. An annual premium for LTC insurance is far less than one month’s nursing home care and would pay for care in the home to ensure the client never needs to reside in a health care facility apart from the family. There are however, other issues to consider.

The type of assets one owns and where they come from can have a tremendous impact on the decision to qualify for Medicaid. I recently had a client who inherited a $1 million piece of land that has been in the family for four generations. The land was non‑income producing but something the family treasures. Had my client’s parents planned properly, they could have ensured the property was not at risk to a lawsuit, nursing home or other creditors of my client. Now my client wanted to ensure that the property stayed in the family and continued to derive benefit for the family and the other members of the community who used it. Other than this piece of property, the client would have been a typical American with assets less than $300,000 and insufficient means to pay for long-term care should the need arise.

So the question becomes whether a client with non-liquid assets that do not produce income should plan to qualify for Medicaid or should they be forced to liquidate their assets to pay for their long-term care? Irrespective of your answer, the law provides for the latter and it highlights that Medicaid planning is not just about qualifying for Medicaid, but is a series of counseling issues to address each client’s situation and needs. One tradeoff: Millionaires who want to qualify for Medicaid must give up access to their assets for the rest of their lives as if they had given them away. So is it worth that loss? A good estate planning attorney can find alternative planning strategies for millionaires that get a better result than giving away their assets to qualify for Medicaid. Ultimately, however, our job as counselors is to advise the clients of their options and let them choose the path that best meets their goals and objectives.

THE THREE MOST CONFUSED MEDICAID TERMS

The three most confused terms in Medicaid planning are the look back date, the look back period and the penalty period. If you go to any beauty shop or coffee shop and ask the people what would happen if they transfer assets, the common answer will be that they are ineligible for Medicaid for sixty months. Medicaid practitioners know sixty months is merely the period of time Medicaid can look back at the financial records of a Medicaid applicant, a.k.a. the “look back period.” The period of the look back (sixty months) has no impact on qualifications. The look back period begins on the look back date. The look back date is the date a Medicaid applicant resides in a care facility and applies for benefits. It is critical that a practitioner understands this distinction. If a client resides in a nursing home and you apply for medical before continuing the client’s eligibility, you can disqualify a client from medical and create a penalty period that is far greater than sixty months. This occurs when there is a large uncompensated transfer within the look back period.

It’s that simple.

If you are at all interested in joining Lawyers With Purpose and would like to know what we have to offer your estate planning or elder law practice, join us in Phoenix, AZ, September 12-13th for our Asset Protection, Medicaid and VA Summit September 12-13 in Phoenix, AZ. We are filling up seats quickly and only have limited space. Register today!

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Estate Planning Conversion to Asset Protection Planning

June 25, 2013

by Lawyers With Purpose with No Comment Medicaid VA

I met with Roger 8 days ago. He is 89 years old, a veteran of WWII, and married to Sylvia. Roger has end stage lung cancer and a prognosis of less than two months to live. He is receiving in-home hospice. His wife, Sylvia, is 83 years old and has early to mid-stage Alzheimer’s Disease. She also lives at home. They each have 24/7 home health care, which costs approximately $13,000 per month. When Roger dies, Sylvia’s home health care expense will be reduced to $9,000 per month, but she will still have the expense of maintaining the home and other daily living expenses.

In 2001, Roger and Sylvia, engaged in sophisticated estate planning to minimize estate taxes and to take advantage of the marital deduction rules. Their plan consisted of a qualified personal residence trust (QPRT) and an irrevocable life insurance trust (ILIT), with basic wills and powers of attorney. Due to the rise in the estate tax exemption, these sophisticated tools are no longer necessary because their taxable estate is under the $10,000,000+ limit for a married couple, and even under the $5,000,000+ limit for a single person. However, they do have assets of about $600,000 that are not in either of the trusts, and which are not protected from long-term care costs.

Since Roger is a wartime veteran, his widowed spouse, which will be Sylvia, may be eligible for a widow’s death pension, commonly referred to as Aid and Attendance. But, their assets must be below certain limits. Moreover, should Sylvia’s physical needs exceed that which can be provided at home and she later moves to a nursing home, she may benefit from qualifying for Medicaid.

When we know with reasonable certainty that one spouse may die sooner than the other, and the death is relatively imminent, we have the perfect situation for asset protection planning for the survivor. In Roger and Sylvia’s situation, we want to protect the extra $600,000 upon Roger’s death so that Sylvia can immediately qualify for VA benefits or Medicaid benefits without unnecessary spend down or penalty from making lifetime gifts.

To do so, we must put all of the assets into Roger’s name. Then, Roger can create living trusts that will pass the property upon his death into special needs trusts for Sylvia, and also trusts for his child and grandchildren. Transfers upon death do not trigger a look-back penalty for Medicaid. And, assets maintained in a third party special needs trust are protected as well.

We do not intend for Roger to gain access to any government assistance programs while he is alive. Instead, the benefit of the planning is for his wife, Sylvia. The VA widow’s pension will pay Sylvia up to $1,113 per month to offset the cost of her home health care. That will allow the other assets to stretch out further. Then, if Sylvia moves to a nursing home, not only can she qualify for Medicaid, but the assets that were preserved can be used to pay the differential in price for a private room, as well as continue to pay for home health care at the nursing home so that Sylvia does not have to wait 30 minutes to answer a call button, or be sitting in front of a tray of food she no longer knows how to eat without assistance.

Estate planning, asset protection planning, and long-term care planning are all distinct planning strategies, each used for a specific purpose. As our lives and circumstances change, often our planning needs to change too. Lawyers with Purpose has the training, software, systems, and support necessary to assist lawyers who have clients that are healthy and then progress through the need for assistance from others. By using these systems, I was able to convert Roger’s outdated estate plan to an asset protection plan in seven days, fully executed. When a person is receiving hospice care, you don’t know how much time you have to execute a plan. Therefore, you must have the systems in place to act swiftly.

Victoria L. Collier, Certified Elder Law Attorney, Fellow of the National Academy of Elder Law Attorneys, Co-Founder, Lawyers with Purpose, LLC, Veteran of the U.S.A.F. and author of 47 Secret Veterans’ Benefits for Seniors…Benefits You Have Earned but Don’t Know About.

Boom Town Talk Radio with Victoria Collier & Retired NFL Player Jamie Dukes

May 22, 2013

by Lawyers With Purpose with No Comment Medicaid VA

On Saturday I had the privilege of being interviewed on Boom Town Talk, hosted by retired NFL Player, Jamie Dukes, Lee Lambert, and Melinda Davis.

BTT’s purpose is to provide relevant information to Seniors (the 50 plus population) as part of the Put Up Your Dukes Foundation’s health and wellness strategy. My portion of the interview discussing the relevance of Elder Care Attorneys, begins at 7:15 minutes into the interview and ends at 16:50. As part of the interview, we discuss when a person should begin planning for long-term care and estate planning, plus the top three things to remember when planning.

Click the link below now and play to learn.

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