Download How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets (10th Edition), by K Gabriel Heiser
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How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets (10th Edition), by K Gabriel Heiser
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Written by an elder law attorney with over 25 years of experience, this book will help anyone with a family member faced with a long-term stay in a nursing home who wishes to preserve at least some of their assets by qualifying for the Medicaid program. You don't have to be broke to qualify! For the first time ever, the inside secrets of high-priced estate planning and elder law attorneys are revealed. Includes a summary of all income and asset rules for both married and single individuals, together with numerous examples and several case studies, which take the reader through the same thought processes that an experienced elder law attorney would go through when analyzing a real-life client's situation. The book includes tips on: how to title your home so you do not lose it to the state; how to make transfers to family members that won't disqualify you from Medicaid; how annuities make assets "disappear"; smart tricks for "spending down" your assets; what to change in your will to save thousands of dollars if your spouse ever needs nursing home care; avoiding the state's reimbursement claim following the nursing home resident's death; and much more. The 2016 Tenth Edition has been expanded, revised, and completely updated to incorporate all changes in the law as of January 1, 2016, and includes two chapters on Veterans' benefits.
- Sales Rank: #54603 in Books
- Published on: 2016-01-01
- Original language: English
- Number of items: 1
- Dimensions: 9.02" h x .67" w x 5.98" l, .95 pounds
- Binding: Paperback
- 320 pages
Review
Here are the reviews of the 9th edition on Amazon.com; the 10th edition is an updated version:5 STARS: This book has great information on Medicaid benefits and how to protect your ...November 10, 2015 This book has great information on Medicaid benefits and how to protect your assets in most situations. It also has great sample issues that are actually possible in every day life.5 STARS: This is a great book for anyone looking to start planning for medicaid October 27, 2015This is a great book for anyone looking to start planning for medicaid or begin planning for their retrierment. Written in language that can be easily understood with great examples of exactly what is being explained. Would highly recommend it.5 STARS: Five StarsMay 27, 2015Excellent resource to prepare for conversations with lawyer about protecting family assets to care for parents.5 STARS: Good book to have for people who want to leave some money to kids (not have it all spent on nursing homesMarch 3, 20155 STARS: Protect Your Assets! Don't let this valuable information slip by.January 1, 20155 STARS: Ignorance is not bliss
"Well written, clear, easy to follow, and well organized...I have read your book and it is great! It is a perfect quick tour of Medicaid planning...
I highly recommend it to anyone who needs to get quickly up to speed when the need arises because a friend or family member is facing nursing home expenses...or who wants to think ahead to that possible need.
Lawyers can give it to clients to help them understand "the rules." Advisors don't need to fear this book will turn their paying clients into do-it-yourselfers, because almost every rule contains state-specific variations and this book does not cover those. So for clients and would-be clients, this book shows why they need the help of a pro. I especially appreciate the clear delineation between the forbidden and the permitted. It's well written, clear, easy to follow, and well organized. I found it very useful when helping a friend who has just entered a nursing home."
---Reviewed by Natalie B. Choate, nationally recognized attorney and America's leading speaker on retirement planning; author of Life and Death Planning for Retirement Benefits
"I loved your book!"
"I found so many concepts, strategies and important questions to consider that I am going to re-read it again tonight to write them all down. The maze of ever-changing rules and differences between states (and even counties) can be overwhelming, but I felt that Medicaid Secrets armed me with specific questions to ask--questions that would help me understand the various viable options (and their risks and pitfalls) that a qualified ElderCare Attorney might suggest. (Heck! You even showed me how to find a qualified ElderCare Attorney!)"
--Bret Elliott, Certified Financial Planner
I suppose one could debate whether there truly are Medicaid "secrets," or whether information buried in a maze of bureaucratic language (based on federal law and implemented in significantly different ways by each of the fifty states, and then implemented at the local level by individual clerks) really is in plain sight for all to see. Regardless, Heiser clearly has poured his considerable expertise and his years of practical experience into the publication of a book that I believe practitioners and clients will find extremely useful. So, what previously may have been "secrets" about benefits under the Medicaid system have been made available to all."
--Reviewed by Kenneth W. Schroer for The Colorado Lawyer, an official publication of the Colorado Bar Association
From the Publisher
This book is written for the layperson, but includes sufficient detail to inform all but the most advanced elder law attorneys, as well. Many financial planners have found it a great resource to recommend to their clients, too.
A great feature of this book are the numerous examples used to explain and show how the rules are applied to real-world situations. In addition, the case studies at the end of the book serve to pull together all the rules, really helping the reader understand the various options available to them.There is no charge for this service, available to all readers of this book.
From the Author
If you or a loved one are facing the extremely high expenses of a long-term stay in a nursing home, or simply want to be prepared for the possibility of needing someday to go to one, this is the book for you.
Through numerous examples and case studies, the book takes you by the hand to first explain what the rules are and then--most importantly--what strategies are available to you to save potentially hundreds of thousands of dollars. You will also learn which "facts" are really myths and the many frequent mistakes to avoid.
I have poured my 25 years' experience as an estate planning and elder law attorney into this book, so that you will know what you are up against. While you may well find you'll ultimately need assistance from an attorney, you will have an enormous head-start by reading this book.
Good luck!
K. Gabriel Heiser
Most helpful customer reviews
42 of 42 people found the following review helpful.
Book Review by Michael Sabbeth, Esq.
By Michael G. Sabbeth
Book Review
How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets
By Gabriel Heiser, Esq.
Medicaid is a vast federal bureaucratic healthcare system that operates on the federal, state and local levels. The federal government delegates considerable rule making authority and discretion to the individual states, which, in turn, delegate to individual counties their own regulation-making power. Added to this percolating brew is the reality that individual nursing homes make their own rules and policies for dealing with Medicaid recipients.
Thus, legal practitioners, government officials and inquiring citizens are confronted with a regulation-intensive field of law and public health so labyrinthine that even Daedalus and Icarus would have to put attorneys on retainer to help them navigate through it.
Gabriel Heiser is an attorney in Boulder, Colorado, specializing in Medicaid qualification matters as a sub-set of his practice in elder law. He has written How to Protect Your Family's Assets from Devastating Nursing Home Costs: Medicaid Secrets, a straight-forward concise volume that clarifies and simplifies the processes of analyzing Medicaid qualification and payment issues and crafting strategies for dealing with them in a cost-effective way in real-life situations.
The book has a Table of Contents that is logically organized and indicates that the major components of the topic are thoroughly addressed. The Index illustrates the excellent organization of the book and makes it easy to reference back to specific concepts within the text.
One aspect that I liked particularly was Heiser's detailed references in the text to material previously covered. Instead of writing something generic such as, `as stated earlier' or `as I previously covered,' Heiser gives specific page numbers and topic headings. The book is, thus, highly user friendly for the lay person as well as for the knowledgeable practitioner.
The book also provides Medicaid contacts for each state; a list of resources and citations to relevant federal statutes. I found both refreshing and admirable Heiser's direct forthright addressing of the ethical dimension of a lawyer giving advice intended to reduce the financial burden imposed on an individual or on a family when qualifying for and receiving Medicaid benefits.
Anticipating critics, Heiser gives examples where profligacy and irresponsible behavior have been financially rewarded and where thrift and self-sacrifice have been punished. He ends the topic with a trenchant quote from Justice Learned Hand: "Anyone may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern which will best pay the Treasury."
Heiser's book builds on the overall topic incrementally from basic concepts--what is Medicaid?--to rather sophisticated arcane aspects of Medicaid law. Heiser displays the enviable skill of breaking down into understandable segments esoteric concepts that do not trip easily off the tongue such as the Community Spouse Resource Allowance, irrevocable trusts, minimum monthly maintenance needs allowances and penalty dates.
Upon completing the book, the reader will not be sufficiently trained to walk into federal court and litigate a case, of course, but the reader will have a comprehensive grasp of the issues to guide future financial decisions and to ask more probing questions of legal counsel. As a disclaimer, Heiser emphasizes that obtaining the advice of an experienced elder law attorney in the client's home state is essential to successful Medicaid planning.
I end this review with two judgments. First, the book is not about Medicaid `secrets.' Rather, it is about the analysis and deductions made and implications offered by a skilled lawyer trying to make accessible the rules and laws imposed on a massive bureaucracy. If in this day and age the effort to describe the law to average citizens constitutes secrets, then there is much to lament. Second, the book does not show how to protect all assets from nursing home costs. It shows how to protect some assets and how to distribute some of those assets to family and recipients other than to the layers of government.
The book is easy to read. It is free of mind-numbing jargon and arrogant intellectual self-indulgence. It is meant to be a foundational primer to help people keep some of their assets should life's tempests require access to Medicaid nursing home benefits. It successfully achieves that goal.
Book reviewed by
Michael G. Sabbeth, Esq.
Denver, Colorado
23 of 23 people found the following review helpful.
The maze of Medicaid options and strategies explained.
By Bret A. Elliott
As a Certified Financial Planner professional, I deal with issues such as these with my older clients from time to time. But I don't give legal advice. I am not a legal expert. Mr. Heiser clearly is.
I found this book to be a "must read." In fact, I read it twice to learn anything that I might have missed the first time. I now keep the book at my desk, as it has important state agency contacts, IRS tables, case studies, and reference information.
Mr. Heiser reveals the maze of complicated features and structures of the Medicaid system, and then presents, in a straightforward and organized fashion, the many important questions to ask before undertaking any action.
After reading this book, you will be armed with knowledge of the various strategies and options that could that could greatly benefit (or inadvertantly harm) your loved ones' finances and Medicaid eligibility. This kind of knowledge is extremely powerful. The Medicaid system is fragmented and subject to ever-changing rules and local regulations. What works for one person in one state may not benefit another person elsewhere. Mr. Heiser has done readers a great favor in carefully explaining all of the potential issues.
15 of 15 people found the following review helpful.
Understanding and dealing with Medicaid for your parents
By S. Rashkovich
How to Protect Your Family's Assets from Devastating Nursing Home Costs by Gabriel Heiser is a terrific book. It clarified for me the issues surrounding Medicaid and asset preservation in a straight forward and easy to understand way. It provided me insights into complexities that are necessary for anyone who might be venturing down this path to be aware of and understand. It put into perspective the options that are available and perhaps most important of all, provided me with the background I needed to have a productive meeting with an elder attorney and to ask them the appropriate questions.
In particular, the book was written in a way that could be understood by a layman. It was presented in a very organized fashion and clearly went through the Medicaid process, a necessary pre-requisite for the subsequent chapters. The appendix was particularly useful in that it provided ways to find a qualified elder lawyer and other related resources as well as information on state Medicaid offices. But perhaps most interesting and helpful of all were the case studies. They provided a multitude of practical strategies, comparing and contrasting them throughout the book.
After reading this book, the bits and pieces of information I was able to discern from other books and from several lawyers I previously met with came together to form a clear picture like pieces of a puzzle. Armed with information and the possibilities presented and with an understanding of the implications of our decisions, we are now ready to move forward with plans for our parents with the confidence that we are prepared now to go down this very difficult road.
Thanks Mr. Heiser for all of your help!
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