Urgent Need

Our Process

Answer Urgent Questions: Sometimes this is all you need…the answer to just a few burning questions.  Not a problem, we can take care of that over the phone.  We can answer your questions on Medicare, Medi-Cal, Veteran’s Benefits, where to find care providers…and many other common long-term care topics.  Answers to urgent questions are free of charge and you can call 24/7.

 Assess Care Requirements

Unlike general financial planners, our process begins by gaining a thorough understanding of your care needs.  An on-staff registered nurse is available for every case.  Through discussions with the family, the doctor and the hospital, we can help determine whether home care, board & care, assisted living, or a skilled nursing facility is most appropriate.  Just as important, we will provide insights on how these care needs will likely change over time.

 Assess Financial Resources

We help families assess what resources are available to them and how much they can safely afford to pay for care.  This provides a great comfort to know how to avoid outliving their assets.  Together we’ll compare different scenarios and see which makes the most financial sense.  For example; we will compare Home Care Vs. Assisted Living, when to apply for Medi-Cal or Veterans Benefits, if you should rent or sell your house, when to use a home-equity-loan Vs. a reverse mortgage and many other useful tactics.

 Assess Health Insurance Coverage

Now that your care needs have changed, your health  insurance coverage may be inadequate.  We will help you compare Medicare insurance plan options to see if your current coverage is the most cost efficient and will cover the specialists and medications you now need.

 Assist with Medi-Cal applications

We help you get it done in a timely fashion and get it done right.  For many, these forms can be confusing and time consuming.  Worse yet, it’s possible to mess up or delay your eligibility if they’re not done properly.  We’ve been through the process many times and know how to avoid the many pitfalls to obtaining the benefits you are entitled to. 

Explain Where Veteran’s Benefits Fit Into A Care Plan

Veteran’s can often qualify for financial assistance when Long Term Care is needed. In some locations, the VA also offers care facilities at a subsidized rate. We can provide you with a general understanding of the qualification criteria and guidance on the most efficient ways to apply for benefits. There is no charge for information on VA benefits.”

 Guidance in Selecting a Care Provider

Selecting the right care facility or home care agency is not an easy task as there are so many options.  Our placement specialists keep track of who are the best providers, their specialty, what they charge, and their availability.  using our placement specialists greatly increases your odds of success.  They earn a commission which is paid by the facility, but are paid only if the family stays with it.  Therefore, they are very motivated to ensure they find you the right fit.   Our agents are even available to go with you to tour the facilities they suggest.

 24/7 On going support

We are here to coach you through out the year.   Having a plan is a great way to start but things can change,…so we’re here on standby 24/7 to help you adjust the plan accordingly .   Whether it’s a change to the finances, insurance or caregiving requirements we can help you react and implement quickly.