Filing # 9230902 Electronically Filed 01/16/2014 11:35:31 ... · Senior Planning Resources, Inc. EXHIBIT G . Filing # 9230902 Electronically Filed 01/16/2014 11:35:31 AM 5(&(,9(

Senior Planning

Resources, Inc.

EXHIBIT G

Filing # 9230902 Electronically Filed 01/16/2014 11:35:31 AM

RECEIVED, 1/16/2014 11:40:06, John A. Tomasino, Clerk, Supreme Court

~enior Planning Resources, LLC IFlorida Senior and Elder Law Infor ... http://www.sprllc.net/

Financial Advisors 1 Income and Asset Management Florida Senior and Elder Law Information

Wills & Trusts +Advanced Care Planning + Florida Probate Law+ Florida Medicaid Planning

Senior Planning Resources, LLC specializes in providing comprehensive estate planning services through licensed professionals to seniors.

Senior Planning Resources, LLC has established a relationship with a support network system of professionals operating in every major area of expertise.

Professional resources consist of ; Elder Law Attorney, Elder Planning Specialists, Certified Senior Advisors, Finance and Tax Specialist, CPAs, EAs, Case Managers, and Medicaid Specialist.

Avoid some of these common problems; probate, guardianship, Medicaid spend down,high nursing home costs with stay at home spouse, high unnecessary legal expenses, incorrect beneficiary selections, high risk stock portfolios in turbulent markets, lack

" of diversification, no power of attorney or health care power of attorney in a crisis · situation, no liquidity or short term funds, depleting principal when needing more

income. We also help the boomer generation deal with health care issues and concerns regarding their parents. Don't let the nursing home take your church or charity out of your will!

VA Aid and Attendance and Medicaid application service, start to completion,

"· Qualified income trusts, personal service contracts in compliance with FL law.

ITrust services for retirement plans, 401(k) , Dynasty, Special needs, Living, Qualified personal residence, Rabbi and Secular Trusts, Asset protection, trusts for lawsuit, divorce and creditor protection.

Charitable Planning administration and gift annuities for CRATs, CGAs, CRTs, Donor Advised Funds Leave more of your assets for your family and church and not the government!

Income planning, IRAs, RMDs, ROTHs, 403b, SPIAs, annuities. Beneficiary reviews.

Health care leverage for expense, $1 in annuity will pay $3 for nursing home.

Medicare Supplements and advantage plans

DON'T LET THE GOVERNMENT

STEAL YOUR HOUSE!

FACT: 66% of people aged 65 OR older will lose their home and be ROBBED of their life savings in the

coming years.

Make sure that doesn't happen to you. Fill in this

short form for your FREE REPORT.

Phone:

L ...... .

.. Send My Report Now

Your information is private and will never besold or given away to any third party.

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prescription drugs RX plans Hospitals Doctors, Drugs covered.(A,B, C and D)

Tax preparation and review, CPA firm to provide a 2nd opinion, not taking all of your medical tax deductions. Two of our audits netted over $8,000 in federal refunds!

Capital gains avoidance, estate tax elimination.

ife Insurance, funeral trusts (Medicaid compliant), final expenses

ublic workshops available for senior groups.

L

P

Home TestimonialsMedicaid EliQibOity VA Aid & Attendance

©2010-2011 Senior Planning Resources, LLC PO Box21805

Sarasota, FL 34276 Phone: 941.586.9280

Toll-Free: 800.547.9111

seniorplanningresources.com, silverplanning.com, and sprllc.net are members of the SkyVault Publishing Network.

VAAid&Attendance Medicaid Eligibility Contact Us Our Team Elder Law Testimonials SkyVault Publishing Network

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http:sprllc.nethttp:silverplanning.comhttp:seniorplanningresources.comhttp:http://www.sprllc.net

~lder Law ISenior Planning Resources, I..LC http://www .sprllc.net/ elder.html

Financial Advisors I Income and Asset Management Florida Senior and Elder Law Information

Wills & Trusts +Advanced Care Planning + Florida Probate Law + Florida Medicaid Planning

Article: Navigating Elder Law (page 1 of 3)

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Elder Law ISenior Planning Resources, LLC http://www.sprllc.net/elder.html

(page 2 of 3)

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Elder Law ISenior Planning Resources, LLC http://www.sprllc.net/elder.html

Elder~ud A. Marie~tafGleJattorney who $?!\tt\l$, lTlO!ll. hl.?f I'IOOr r(llirempi!i li!Jil, ~oojing lol~ p~tQl'li.Th!> Ia~ ·. ~d gu>ay lo lfiile kaud in Ap!iL ·

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(page 3 of3)

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~lder Law ISenior Plarming Resources, LLC http://www.sprllc.net/elder.html

VA Elder Law TestimonialsWedicaid Eligibility Aid & Attendance

©2010-2011 Senior Planning Resources, LLC PO Box21805

Sarasota, FL 34276 Phone: 941.586.9280

Toll-Free: 800.547.9111

and spr11c.net are members of the SkyVault Publishing Network.

vAt>Jd&Attendance Medicaid Eligibility Contact Us Our Team Elder Law Testimonials SkyVault Publishing Network

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Medicaid

Planning and

Filing LLC

EXHIBIT H

Medicaid Planning and Filing, I.LC » Services http:/ /mympfllc.cornlservices/

Medicaid Planning and Filing, LLC

(727) 530- 7500

Call today for your FREE consultation

• Home

• • About Us

• • Services

• • About Medicaid

• • Blog/News

• • Pre-Screening Form

• • Contact Us

Free Consultation

If you or anyone you know is currently in need of the Long Term Care and would like to preserve a lifetime of savings, please send your questions or request your FREE consultation.

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Useful Links

S,.J"ATe .OF FL.~A1Df:.

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Medicaid Planning and Filing, LLC » Services http://mymptllc.com'services/

•

HORtt>A DEPARTMENT OF

CHILDREN • &FAMILIES .. L . .Se111or .· .. 1v1ng

Guide~..

•

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Services

Medicaid Planning and Filing, LLC provides detailed and accurate planning and filing services of Long Term Care benefits that are applicable at Skilled Nursing Homes, Assisted Living facilities and Home Based Care. Our customized planning strategies ensure Medicaid eligibility while preserving your loved one's Income and Assets. We place great emphasis on all qualification criteria and we address all areas of the eligibility process so we can provide you with fast, accurate and effective Medicaid benefits approval.

What sets Medicaid Planning and Filing, LLC apart from other service companies is that we highly respect our clients, their families, state department workers and caregivers. We take our client's situations very seriously and equally important. Furthermore, we offer flexible consultation appointments that fit your busy schedule. Weekend and evening appointments are also available. Our FREE consultation and detailed analysis ofyour loved one's Income and Assets is offered in our office, at the facility ofyour choice or in the convenience ofyour home.

You will be pleasantly surprised to realize how affordable and yet superior our services are.

SERVICES PROVIDED

• Detailed analysis of all financial statements • Detailed analysis of all income sources • Implementation of the proper planning strategies • Preparation of the status update letters to the client • Preparation of the status update letters to the facilities • Correction of the past or present transfer of assets or gifting • Preparation and submission of the Medicaid application • Communication with the CARES unit • Communication with the DCF

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• Relating Medicaid benefits approvals to all parties involved • Providing detailed instructions on Medicaid benefits maintenance • FREE consultation in our office, nursing home or individual's home • Evening and weekend consultation appointments are also available • All Advanced Directives froms provided to you FREE of charge

©Copyright 2013 Medicaid Planning and Filing, LLC.

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(727) 530- 7500


• Home

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• • Services • • About Medicaid

• • Blog/News


• • Contact Us

Free Consultation

If you or anyone you know is currently in need of the Long Term Care and would like to preserve a lifetime of savings, please send your questions or request your FREE consultation.

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~;;:~~6~,;=·-··. --· DEPARTMENT OF.·._.E .R

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•

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vfedicaid Planning and Filing, I.LC » About Us http:/ /mympfllc.corn!about/

•

flORiDA DEPARTMENT OF

.............. CHILDREN &FAMILIES

Se11iorLivingGuidef ..

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•

•

About Us

Cajic Medicaid Planning Specialist President of Medicaid Planning and Filing, LLC (727) 530-7500

Experience and Knowledge

Lily Cajic has been intensively involved in the Medicaid planning and filing business since 2007 and possess high knowledge of Medicaid eligibility requirements as well as the knowledge of Medicaid's policy manual. As a highly experienced Medicaid planner, Mrs. Cajic is also a Life, Health & Fixed Annuity licensed agent in the state ofFlorida and is a graduate of St. Petersburg College with a Cum Laude Bachelor of Science degree in Business Administration. She is also a very proud and devoted comittee member of the BLS (Better Living for Seniors) group, who provides Pinellas County seniors with many valuable and insightful resources;

Lily Cajic understands the devastating impact of the Long Term Care cost that affects the elderly citizens and their families at the most difficult times of their lives. Since all Medicaid applicants and recipients must satisfy strict eligibility requirements, Mrs. Cajic understand the complexity and the complicated interaction that can hinder Medicaid eligibility. Because she works exclusively in the

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Medicaid planning environment, Mrs. Cajic is dedicating her knowledge and expertise on comprehensive and effective planning and filing services so you don't have to worry about the complexity of the qualification and filing process.

We are proud of our credentials and our reputation as a Medicaid Planning and Filing company, dedicated to serve our elderly citizens. Count on our commitment to preserve what you have worked very hard for, your whole life. Allow us to protect you from the high cost ofLong Term Care.

© Copyright 2013 Medicaid Planning and Filing, LLC.

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(727) 530- 7500


• Home

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• • Services

• • About Medicaid

• • Blog/News


• • Contact Us

Free Consultation

Ifyou or anyone you know is currently in need of the Long Term Care and would like to preserve a lifetime of savings, please send your questions or request your FREE consultation.

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Informed

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•

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viedicaid Planning and Filing, ILC http:/ /mympfllc.com/

•

· FLORIDA DEPARTMENT OF

........~CHILDREN &FAMILIES

Se11ior:LivingGu1deT~ ·

•

•

Home

..~..,............,·,.... Planning and Filing is committed to providing comprehensive, yet affordable Medicaid planning and filing services to individuals and families throughout the state of Florida. Our practice focuses on Income and Asset preservation so your loved ones don't need to spend down all of their life's savings on the high cost ofLong Term Care and in order to qualify for Medicaid benefits. We address all eligibility criteria and tailor our planning strategies to the individual needs that ensure fast and accurate Medicaid benefits approvals.

Medicaid Planning and Filing, LLC will help you and your loved one prepare for the future so you can rest assured, knowing that with Medicaid benefits in place you will avoid enormous Long Term Care costs.

We will help you obtain Medicaid benefits that are applicable at:

• Skilled Nursing Homes • Assisted Living Facilities

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• Home Based Care

Since Medicaid Planning and Filing, LLC is not a law firm we do not render legal advice or legal service. Our years long collaborative relationship with experienced and highly accredited attorney will provide you the same legal service as well as all necessary legal documents at a fraction of a cost, compared to some other Elder Law attorneys.


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Medicaid

Eligibility, Inc.

EXHIBIT I.

;f!ective Plamring- Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/inde:x.html

Welcome to Medicaid Eligibility, Inc.

Medicaid Eligibility, Inc. Florida's Premier Nursing Home

Medicaid Specialist.

Hyou live in Florida, we'll help you qualify for Medicaid to pay for long term nursing home care.

Medicaid Eligibility Inc, met our expectations by addressing and resolving

our special needs

No one looks forward to having a family member enter a nursing home and few people completely understand all of the Medicaid eligibility requirements that can help them pay for it.

We specialize in helping families correctly arrange fmances to meet eligibility guidelines for Florida Medicaid when a family member requires long-term nursing home. That means you have the fmancial specialists on your side--people who truly understands your Medicaid options. We help you:

• Get the best nursing home care possible with the least out-of-pocket expense. • Make Florida Medicaid's Institutionalized Care Program (ICP) work for you. • Qualify for the Nursing Home Care Program in Florida • Create an asset protection plan so you do not have to spend down your assets.

Why Spend Down Assets When You Don't Need To? Medicaid rules and

regulations are tricky and we can help you put in place the money-saving tactics and strategies that will enable your family member to be eligible for Florida's Medicaid Nursing Home Program-without having to spend down substantial portions ofyour assets to do so.

The Federal Government and State of Florida continuously change Medicaid rules, making it difficult for many people to know if they are using the correct information and making the right fmancial choices regarding a family member's nursing home stay. Let us plan, organize and obtain your Florida Medicaid APPROVAL for today! List of Florida nursing homes.

We Help You Get Approved

Give us a call today and fmd out more about how to preserve your life-savings, and have peace-of-mind while you or a loved one resides in a Florida nursing home.

You and your family will be glad you did!

1/30/2013 9:54AM 1 of4

For a free copy of our condensed

Florida Nursing Home Medicaid

Booklet, Click Here ...

http://www.floridamedicaideligibility.com/inde:x.html

~ffective Planning- Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/index.html

7777 Glades Road Suite 100

Boca Raton, FL 33434

(561) 929-4884 1 Fax (561) 892-3370

[email protected]

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mailto:[email protected]://www.floridamedicaideligibility.com/index.html

Effective Planning - Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/about.html

ABOUT US

It's Your Life, and Your Money!

Ifyou've ever called Medicaid on the phone, you may have heard the same old story; your income is too high, you have too many assets or have to wait three years to qualify.

If this sounds at all familiar, you're not alone. However, it is not the responsibility of a government Medicaid employee to dispense advice designed to help applicants protect and preserve their fmancial portfolios. They just simply recommend spending down assets in order to become eligible for Medicaid benefits.

At Medicaid Eligibility, a Medicaid planning and consulting firm serving senior citizens and their families throughout Florida, we don't feel that an entire family should be forced to bear the fmancial burden prompted by the escalating cost of a loved one's medical care.

As Florida's premier Nursing Home Medicaid specialist, we specialize exclusively in Medicaid eligibility (see below for information on this page)], and understand the unique individual needs ofMedicaid applicants. That's why we employ a highly-experienced team of dedicated fmancial planners with an extensive knowledge of Medicaid rules and regulations, asset and estate planning, and capital appreciation. We'll provide you and your family with the highest level of customer service, and prompt/secure Medicaid approvals for reasonable fees.

Medicaid Eligibility invites you to click on the "Am I Eligible?" link below to see if you qualify for Medicaid (and meet the rules), or contact us today to speak (directly) with one of our fmancial planners.

Thank you for visiting our site. We look forward to helping you and your family.

With warmest regards, Chuck Pugsley

President



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http://www.floridamedicaideligibility.com/about.html

Effective Planning- Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/about.html

(561) 929-4884 I Fax (561) 892-3370

[email protected]

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Effective Planning - Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/faq.html

FAQ'S

Q: Why should I use Medicaid Eligibility Inc.?

"Medicaid Elegibility offered expert A: Due to changes is the Medicaid eligibility (see below advice and assistance when it was for information on this page)] guidelines, many people time to put Mom & Dad in a nursing need assistance with correctly structuring fmances and home. After we made the

recommended changes to theirassets to take full advantage of the rules. We also help portfolioand applied for Medicaid. you with document collection and assist you filling with My family and I were extremely filling out your Medicaid application. In addition, we relieved when Mom & Dad were represent our clients at the scheduled Medicaid approved, and we were able to caseworker interview and present the application for preserve the bulk oftheir assests.

Thanks, Medicaid Elegibility, you approval and follow up on caseworker requests.

really saved the day.".

Q: What assets will Medicaid require spent down so I can qualify for eligibility?

A: Cash, bonds, stocks, mutual funds, savings, property, life insurance cash values, and all other investment holdings. With prudent advice and planning, Medicaid Eligibility can help you preserve ALL of these assets.

Q: Are there still planning options possible after I've entered a Nursing Home

A: Yes. It's still possible to protect the bulk, or all, ofyour life savings and be eligible for Medicaid benefits even after you've entered a Nursing Home

Q: Are my spouse's income and assets included ifl apply for Medicaid?

A: While your spouse's income is not included in determining your eligibility, your marital assets would be considered. However, income and savings above maximum limits can be protected, and Medicaid Eligibility, Inc. can show you how.

Q. What assets are excluded from the Florida Medicaid eligibility asset test?

A Homestead- The home is excluded if the spouse, or certain dependent relatives, continues to reside in the home, or the applicant intends on returning to the home.

Vehicle - One vehicle of any age may be excluded, along with a second vehicle if it's over seven years old, and not an antique, luxury or custom model.

Life Insurance- Ifthe total face value of all of the policies exceeds $2500, the cash value would be considered an asset. If the total face value of all of the policies is less than, or equals $2500, then the cash value would be excluded as an asset.

Burial Funds and Prepaid Funeral Contracts - In an irrevocable burial contract, the full

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For a free copy of our condensed Florida Nursing Home Medicaid


http://www.floridamedicaideligibility.com/faq.html

,-------------------------------------,--------------------

Effective Planning- Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/faq.htrnl

value is excluded regardless ofthe amount. There is also a $2,500 exclusion of funds designated for burial expenses. A new bank account (e.g. John Smith Burial Account) may be established for this purpose. In addition, one burial plot is permitted for each family member.

Personal I Household Goods- These are items within the home such as furniture

Retirement Accounts - Money in these accounts are not counted in the asset test as long as they are properly structured.

Immediate Annuities - As long as they are properly structured, annuities are excluded from the asset test. If the annuity is not structured correctly, the family may tie-up assets and be

- denied Medicaid benefits. This is an important reason to contact a knowledgeable Medicaid Eligibility Practitioner

Ongoing Business Concerns - Since they generate income for the applicant that is ultimately contributed towards the cost of care as patient responsibility , ongoing business concerns are typically excluded as assets. Other real property that is rented or listed for sale is also excluded.



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[email protected]

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Medicaid Elegibility, Inc. http://www.floridamedicaideligibility.com/timesaving.html

TIMESAVING CONVENIENCE

Many of our older or disabled clients prefer not to have to travel to our office for face-to-face meetings. Medicaid Eligibility has streamlined its process to effectively conduct business over the phone and through the mail. As a result, it has become much more convenient for families to provide us with the information we need to help get a loved one approved for Medicaid ... from the comfort oftheir own home!

Contact us: today to speak with a Medicaid Eligibility specialist, and learn how our superior customer service, prompt Medicaid approvals and money-saving services can turn our benefits into your advantage!



Booklet, Click Here...

2255 Glades Rd. Suite # 324 Atrium Boca Raton, FL 33431

(561) 929-4884 I Fax (561) 892-3370

[email protected]

[email protected]

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Effective Planning - Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/clients.html



CLIENT COMMENTS

My father has been in a Nursing Home for over 5 years when we realized that he was coming to the end ofhis resources. Then we heard about Medicaid Eligibility, Inc. We learned from the friendly and knowledgeable Nursing Home specialists how Florida Medicaid works and the options available to us.

We learned the balance ofmy father's resources could be preserved, and he could become eligible to apply for Medicaid. Medicaid Eligibility was patient and helpfu~ and explained the application and approval process step-by-step. They filed all of the necessary paperwork on our behalf, and kept us informed throughout.

The kindness and consideration ofthe Nursing Home Medicaid Specialists to my father's needs made the process easier for us so we could concentrate on other things. We don't know the laws, or how the laws can benefit us, so we are glad we turned to Medicaid Eligibility for our needs.

The Nursing Home specialists at Medicaid Eligibility are here to assist you and your family members with Nursing Home Medicaid benefits. We are experienced with Florida Medicaid, and will get you the prompt approval you need. Contact Us Today

No one looks forward to having a family member enter a nursing home and few people completely understand all of the Medicaid eligibility requirements that can help them pay for it.

At Medicaid Eligibility, Inc., we specialize solely in Florida nursing home Medicaid eligibility. That means you have the experts on your side when it's time to prepare for paying on-going nursing home expenses

There are many good reasons to work with someone who understands your Medicaid options. We help you:

• Get the best nursing home care possible with the least out-of-pocket expense. • Make Florida Medicaid's Institutionalized Care Program (ICP) work for you. • Qualify for the Nursing Home Care Program in Florida • Create an asset protection plan so you do not have to spend down your assets.



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http://www.floridamedicaideligibility.com/clients.html

Effective Planning- Florida Medicaid Eligibility- The Nursing Home ... http://www.floridamedicaideligibility.com/clients.html

(561) 929-4884 I Fax (561) 892-3370

[email protected]

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mailto:[email protected]://www.floridamedicaideligibility.com/clients.html

Effective Planning - Florida Medicaid Eligibility- The Nursing Home... http:/ /www.floridamedicaideligibility.com/medicaideligibilitycasestud ...

Medicaid Eligibility Case Study

MARRIED-PERSON MODEL

In the following example, an elderly gentleman was admitted to a Nursing Home. Financial pressures quickly began to mount due to the high cost of his care. His spouse was worried that their life savings would be used up, she might not have enough money to live on and there wouldn't be anything left to pass on to the children.

The mother and her children were very interested in our proven asset preservation strategies, but had many questions and concerns. We reassured them that every strategy we implemented was completely within Florida Medicaid guidelines, we began by learning about the father, mother and children to properly assess their situation. We obtained the following information about the fmances ofboth mother and father:



Our Recommendation:

Since the countable assets exceeded the spousal asset limit by $45,350 Medicaid Eligibility implemented the following strategies to help them reserve the excess assets: Burial Accounts were set up for both the mother and father, each at $2500, for a total of $5,000. Medicaid did not count these burial accounts as assets. However, the mother and father still had excess assets of $14 7 ,000, and needed to restructure assets to get below themaximum level of$101,640. To do this, CDs were cashed in, and a $40,000 Medicaidfriendly Annuity was purchased. We named the mother owner of the annuity to ensure that interest income from the annuity would go to her, not the nursing home. The mother is listed as the annuitant and owner, and their children are beneficiaries. Since Doris owns the annuity, there is no "gifting" of assets. Thus Medicaid's "five-year look back" period does not apply to assets placed into the annuity. The annuity spouse is in some cases now allowed to receive a portion of John's income as "spousal diversion" to enable her to meet her monthly expenses.

1/30/2013 9:57AM 1 of3

"Medicaid Elegibility offered expert advice and assistance when it was time to put Mom & Dad in anursing home. After we made the recommended changes to their portfolioand applied for Medicaid. My family and I were extremely relieved when Mom & Dad were approved, and we were able to preserve the bulk oftheir assests. Thanks, Medicaid Elegibility, you really saved the day."

www.floridamedicaideligibility.com/medicaideligibilitycasestud

Effective Planning- Florida Medicaid Eligibility- The Nursing Home... http:/ /www.floridamedicaideligibility.com/medicaideligibilitycasestud ...

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Results:

With a little help from (their friends at) Medicaid Eligibility, the father, mother and their children were able to realize the following (value-added) benefits:

• The father was immediately approved immediately for Medicaid. • The mother and father preserved virtually the entire amount of their excess assets

or ($40,000.) • The mother receives interest payments from the annuity each month. • A portion ofJohn's income was diverted to Doris to help her meet expenses. • The children were pleased to have a little nest egg coming their way.

The mother, father and children stopped worrying about their fmances.

This information is in accordance with regulations in effect prior to federal legislation that has been passed, but the state offlorida has not yet adopted at this time, but is subject to change without notice.

SINGLE PERSON MODEL

In the following example, the children of a Medicaid applicant placed their mother in a Nursing Home, and paid privately for her care for 3 months. They were searching for a way to preserve their mother's assets without sacrificing the level of care she was receiving. That's when they turned to Medicaid Eligibility and spoke to one of our friendly and highly knowledgeable Medicaid eligibility specialists.

The children were very interested in our proven asset preservation strategies, but had many questions and concerns.

We reassured them that every strategy we implemented was completely within Florida Medicaid guidelines, then began by learning about the children and their mother to properly assess their situation. We obtained the following information about the Mother's fmances:

Our Recommendation:

Since the mother's funeral arrangements had been prepaid, all she had to do was sign an irrevocable designation form in order for the funeral contract to be excluded as an asset. In addition, asset restructuring was needed to get the mother's excess assets of$58,800 below the $2,000 allowable asset level for a single person. A Medicaid-friendly annuity was then purchased in the mother's name, with the mother listed as the annuitant and owner, and children as beneficiaries. Since the mother is the owner, there is no "gifting of assets"; thus Medicaid's "five (5) -years look-back" period does not apply to assets placed into the annuity. If the mother was to die in the next few years, her children will receive a fmal balloon payment of$58,200 at the end ofthe annuity contract. They also

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www.floridamedicaideligibility.com/medicaideligibilitycasestud

Effective Planning- Florida Medicaid Eligibility- The Nursing Home... http://www.floridamedicaideligibility.com/medicaideligibilitycasestud...

have an option of receiving accelerated payments if they require access to funds before receiving the balloon payment.

This information is in accordance with regulations in effect prior to federal legislation that has been passed, hut the state offlorida has not yet adopted at this time, but is subject to change without notice.



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[email protected]

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Written Testimony Pgs. 60-92

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Filing # 9230902 Electronically Filed 01/16/2014 11:35:31 ... · Senior Planning Resources, Inc. EXHIBIT G . Filing # 9230902 Electronically Filed 01/16/2014 11:35:31 AM 5(&(,9(