Even if your loved one is already in a nursing home, many families don’t realize that they can legally safeguard their assets from these overwhelming expenses.

Unfortunately, many people make uninformed or misinformed decisions based on inaccurate advice, simply because they don’t know where to turn or rely on those who lack proper training.

While Medicare may offer some coverage, it typically only extends to the first 100 days—if that. Beyond that, families are often left to shoulder the costs.

Some have turned to private long-term care insurance, but the insurance companies have made it very difficult to insure against these types of Catastrophic Expenses. Plus, premiums continue to rise, making them unaffordable. Even if you can afford the premiums, insurers often deny coverage if you’re already too sick or too old.

This can feel incredibly unfair, leading many to believe that "spending down" their assets is their only option—a notion often reinforced by well-meaning friends, neighbors, and even Health and Human Services.

But there’s good news.

Fortunately, in most cases, even if your loved one is already in a nursing home, you can protect most, if not all, of your assets from being wiped out.

So why doesn’t Health and Human Services tell you how to protect your money? It comes down to one simple reason.

The government caseworkers are swamped, and aren’t trained to help you safeguard your assets. And they don’t have the time to let you know that a few simple adjustments could protect your hard-earned money.

So, what are your options?

Every situation is unique and the rules are complex, but we help you navigate this complex system and help you find the best path for you and your family.

The right moves can save you thousands, -and many times hundreds of thousands of -dollars.

You’ve spent a lifetime building your financial nest egg. Don’t let it slip away to the high cost of a nursing home stay!