Today’s Q&A on ElderCareMatters.com is about Paying Family Caregivers

Question:  How much can an elder pay their family members to provide them with long term care?  I am assuming this is permitted.  I would prefer to pay my family than to pay a home care company for this type of personal care.

Answer: What you are referring to is what is called a “Personal Services Contract” that changes what would normally be treated as a “gift” into a bargained-for exchange of your property for the return of services by your children, grandchildren, brothers, sisters, and others.  Most of the services include many things that those caregivers are already doing for you.  They include the following: cooking, cleaning, laundry and taking you to the doctor, taking you for medical tests, health monitoring, meeting with doctors about the medical care that will be needed, etc.  Taking the ill parent on trips, providing entertainment, visiting with you.  They may also include bathing you and dressing you and assisting in your toiletries.  If in the hospital, then visiting with you in the hospital and making arrangements for others to visit you.  Answering letters that you receive, paying bills (under the authority of a current durable power of attorney) and writing letters for you.  These are the normal activities that are included in the “Personal Services Contract”, but there may be additional items based upon your individual needs.

The next thing is to determine your life expectancy based upon the SSI Life Expectancy Tables.  This will indicate statistically how many years and months someone of your current age is expected to live (you may be live that long or you may live even longer).  Next, you need to determine how many hours will be necessary to carry out the various duties under the contract on a weekly basis.  Normally, we would expect 4 or 5 hours per day seven days a week.  Of course, this may vary depending on the circumstances.  If it varies too much, then Medicaid may question the hours so you had better keep some kind of journal or calendar where you routinely write down the expended each day and what activities are undertaken on that day.

Lastly, you need to have an idea of what homecare workers charge in your area.  The best way to do this is to discuss it with an experienced elder law attorney in your area, but, if you cannot find one then you will have to make some calls to find out this information.  It is much easier to go to a qualified elder law attorney as he will already have this information and it would, of course, have the attorney draw up the agreement to meet with your state’s requirements.

The amount of money that can be protected is figured out this way. 1) The number of hours each week, 2) times the average hourly rate, 3) times 4.3 weeks to give you the monthly total for services rendered, 4) times 12 months to give you the annual total for services rendered, 5) times the life expectancy of the elderly person.  In most instances, I have found that there is usually not enough money to cover the full funding of the contract.  This is a good sign as it will show that the elderly person is receiving more services than he or she is actually paying for.  In other instances, the hours per week might have to be increased or the average hourly rate must be increased or both.

As always, you can use the ElderCare Matters website – ElderCareMatters.com –  to find a list of attorneys and other types of caregivers in your area.

mtucker
Ivan Michael Tucker, Esq.
Altamonte Springs, Florida
“Partner” Member of the national ElderCare Matters Alliance


Illinois Elder Law Attorney Answers Today’s Elder Care Question on ElderCareMatters.com

I desperately need some advice. My wife is 79 years old and has progressively gotten so debilitative that I (82 years old) can no longer care for her at home. We have lived in our paid off home for more than 30 years and we receive every month about $2,800 in total benefits, including our Social Security checks. Other than the value of our home (which is about $125,000), we have a modest amount of savings and no other assets to speak of. How can I afford to place my wife in a nursing facility, which I understand may cost $5,000 – $6,000 per month? What are my options? Please help!

Answer:  I believe you need to consult with an Elder Law Attorney immediately. An experienced Elder law Attorney can advise you as to the Medicaid requirements in your State.  Medicaid is a combined federal and State program, which among other benefits, pays for the nursing home costs of those we meet the program’s requirements, which include limits as to the amount of assets the applicant can possess. The program also has provisions for circumstances such as yours, which allows the community spouse to keep a certain amount of income and assets in order to prevent spousal impoverishment. The actual financial amounts vary from State to State, so it is essential that you speak to an Elder Law Attorney in your State to determine what limitations would apply to you. I can tell you that based upon the limited facts that you provided – in Illinois, you would be entitled to keep your home, up to $109,560.00 in assets and up to $ 2,739.00 of your joint income.  Depending upon your actual figures an Elder Law Attorney may also be able to assist you in preserving other assets or avoid certain debts.  It is certainly worth an initial consultation. An experienced Elder Law Attorney can also act as a vital source of local resources, which along with those listed on ElderCareMatters.com, could provide you with the assistance necessary to make this difficult transition a little easier.

jsiebert
James C. Siebert, Esq.
Arlington Heights, Illinois
“Partner” Member of the national ElderCare Matters Alliance


Elder Law Attorney Answers Family’s Question About ElderCare Options

Question:  I desperately need some advice. My wife is 79 years old and has progressively gotten so debilitative that I (82 years old) can no longer care for her at home. We have lived in our paid off home for more than 30 years and we receive every month about $2,800 in total benefits, including our Social Security checks. Other than the value of our home (which is about $125,000), we have a modest amount of savings and no other assets to speak of. How can I afford to place my wife in a nursing facility, which I understand may cost $5,000 – $6,000 per month? What are my options? Please help!

Answer:  Surprisingly, you may be able to qualify your spouse for Medicaid for nursing home benefits without doing anything further.  The rules vary widely state to state, so it is essential that you talk to an elder law attorney who has extensive experience in Medicaid planning (called Medi-Cal in California) in your state before you do anything.  There are many rules.  In California, you can own a home of any value and still qualify a spouse for Medi-Cal.  Also, in California, the retirement accounts will not keep you from getting Medi-Cal.  In fact, in California, you can own up to $117,920 in countable assets and still qualify the ill spouse for Medi-Cal for a skilled nursing facility.  Countable assets exclude the primary home of any value, one car, and the retirement accounts.  Further, in many states, a court order can increase the amount of assets that you can keep and still qualify the ill spouse for nursing home Medicaid, and a court order can increase the amount of income that you can keep.   There are also legal means to protect a home from an estate recovery claim after death if the legal steps are properly taken before the death of the nursing home spouse.  Lastly, if you or your spouse served in the US military for at least 90 consecutive days, at least one of which was during a war time (combat zone or injury are NOT required), then you may qualify for up to $2,054 per month in a tax-free pension from the VA (known as Aid and Attendance Pension, or Non-Service Connected Pension) depending on your assets and your income and how much you are paying out of pocket for elder care or medical care.  See an experienced elder law attorney in your state for advice on these two programs:  Medicaid for nursing homes, and VA Aid and Attendance.

To find an Elder Law Attorney near you who can help you with your elder care matters, go to:  ElderCareMatters.com – America’s National Directory of Elder Care / Senior Care Resources for Families.

datkins
Dallas Leigh Atkins, Esq.
Santa Barbara, California
“Partner” Member of the national ElderCare Matters Alliance


Answer to Today’s Elder Care Question about VA “Countable” Resources

Question:  Can you tell us what resources are “countable” by the VA during the application process for Spousal Aid & Attendance benefits?

Answer: This is a one of the most confusing terms in the VA benefit area.  There are numerous sources that give varying degrees of upper limits.  In reality, the lesser the better.  The house (including a reasonable amount of land that it sits on) does not count if the home is occupied by the applicant.  If it is not occupied by the applicant, then the house does count.  In addition, the personal cars are exempt from consideration if they can reasonably used for the transportation of the applicant.  I would not take this to necessarily mean more than one vehicle.  Personal property is also excluded. 

If you want to estimate the upper limit, then I would suggest around $20,000.00 for a single person.  Since the figure is actually different from one claims examiner to another, I would suggest that the figure should be one that could reasonably expected to run out in one year.  This $20,000.00 would be in the form of cash (checking, saving, money market, CDs), stocks and bonds.  Because of the different cost of living figures around the country, it is wise to specifically discuss your situation with a local attorney or other recognized VA authorized agent.

To locate professionals near you who can help you with this elder care matter, go to:  www.ElderCareMatters.comAmerica’s National Directory of Elder Care / Senior Care Resources for Families.

mtucker
Ivan Michael Tucker, Esq.
Altamonte Springs, Florida
“Partner” Member of the national ElderCare Matters Alliance, Florida chapter

 


What are the eligibility requirements for Medicaid?

Question: How would I know whether my elderly father is eligible to receive help from the government in order to live in a nursing home?  He has no income, to speak of, other than his monthly Social Security check, has a very small checking account, owns his small home, and desperately needs nursing home assistance.

Answer:  The Medicaid program bases eligibility on the applicant’s medical condition and on the person’s assets and income. To apply for Medicaid to cover residential long-term care costs, the applicant must live in a nursing home or have a medical need that requires nursing home care. To establish medical eligibility, the applicant must undergo a medical assessment to identify what the person’s long term care needs will be. In addition, applicants must be citizens of the United States or fall within certain categories of aliens who have been lawfully admitted for permanent residence in the United States. Applicants must also live in the state where they apply for Medicaid. 

Medicaid places strict limits on the assets you can own. Each state has its own limit on this amount and its own guidelines for which assets count toward the total. In general, the following assets are considered “exempt” and will not count towards your asset total:

  • Your home– your principal place of residence is usually an exempt asset, regardless of value.  In some cases, the nursing home resident may be required to show some intent to return home, even if that never happens.
  • Household and personal belongings– Furniture, appliances, jewelry, and clothing
  • One car– Some states may limit the car’s value
  • Burial plot/prepaid funeral plan– some states may limit the value of the plot or plan.
  • Cash value of permanent life insurance policies up to $1,500– In most states this asset is exempt only if the face value of all policies added together does not exceed $1,500.  Term life insurance is not counted.
  • Cash– A small checking or savings account not to exceed the limit imposed by the state.

All other assets not include in the above list are considered countable assets, including checking accounts, savings accounts, certificates of deposit, money market accounts, stocks, mutual funds, bonds, individual retirement accounts (IRAs), pensions, 401(k) accounts, 403(b) accounts, second cars, vacation homes, and any other items that can be valued and turned into cash. Once you become eligible for Medicaid, you can generally keep around $30 to $60 in income per month as a personal needs allowance.  A veteran receiving veterans benefits is allowed to retain a slightly higher personal needs allowance.  

As you begin considering Medicaid as a long-term care funding option you may encounter terms and concepts you are unfamiliar with.  The term “look-back” period refers to the period of time prior to applying for Medicaid for which you will have to provide financial records.  Transfers and gifts made during the “look-back” period must comply with certain requirements and failure to comply with these requirements may jeopardize an applicant’s Medicaid eligibility.  Also important is the penalty period, which refers to a period of ineligibility imposed because of an uncompensated transfer of assets during the “look-back” period.  There is no cap on the length of a penalty period, which is calculated by dividing the value of the transfer in question by the “regional rate.”  For this reason, applicants should either wait the full 5 years from the date after such transfers to file a Medicaid application so that they do not have to disclose these transfers or retain sufficient resources to pay privately during the penalty period if it is possible for them to do so.  Due to the numerous and complex rules and regulations, Medicaid planning can be challenging and it is best to consult a specialist who can assist with your application and help ensure that you don’t encounter problems.

To find Elder Care Professionals near you who can help you plan for and deal with this elder care matter – go to: ElderCareMatters.com – America’s National Directory of Elder Care / Senior Care Resources for Families.

hweatherby
Henry C. Weatherby, Esq., CLU, ChFC, CEBS
Connecticut State Coordinator, ElderCareMatters.com

 


Veterans Administration Spousal Aid & Attendance Benefits

Question:  Can you tell us what resources are “countable” by the Veterans Administration during the application process for Spousal Aid & Attendance benefits?

Answer: This is a one of the most confusing terms in the VA benefit area.  There are numerous sources that give varying degrees of upper limits.  In reality, the lesser the better.  The house (including a reasonable amount of land that it sits on) does not count if the home is occupied by the applicant.  If it is not occupied by the applicant, then the house does count.  In addition, the personal cars are exempt from consideration if they can reasonably used for the transportation of the applicant.  I would not take this to necessarily mean more than one vehicle.  Personal property is also excluded.

If you want to estimate the upper limit, then I would suggest around $20,000.00 for a single person.  Since the figure is actually different from one claims examiner to another, I would suggest that the figure should be one that could reasonably expected to run out in one year.  This $20,000.00 would be in the form of cash (checking, saving, money market, CDs), stocks and bonds.  Because of the different cost of living figures around the country, it is wise to specifically discuss your situation with a local attorney or other recognized VA authorized agent.

To find professionals near you who can help you with your VA questions, go to ElderCareMatters.com – America’s National Directory of Elder Care / Senior Care Resources for Families.

mtucker
Ivan Michael Tucker, Esq.
Law Office of I. Michael Tucker, PLC
Altamonte Springs, FL  32701

 

 


Michigan Attorney & State Coordinator Answers Today’s Elder Care Question

Question: “My mother is 78 years old and has been diagnosed with Alzheimer’s Disease. She and my father (who is 79 years old) live in a small town, have a paid off home, and both receive small pensions and Social Security. My question is how I, the daughter and an only child, should start getting information about the elder care benefits to which my parents may be entitled. For example, I’m not very knowledgeable about Medicaid, Medicare, VA Benefits, etc. With whom should I talk to get this type of elder care information BEFORE I actually need it? By the way, I sincerely appreciate all ElderCareMatters.com does to help families like mine across America with Elder Care Matters. This is a wonderful online resource for families. Thank you.”

Answer: I assume the answer should be obvious. You need to consult with an experienced and skilled elder law attorney. An elder law attorney can help you navigate the most complicated and overwhelming area of the law. Elder Law is a specialty developed to serve the needs of seniors and those that will become seniors one day. In other words it is for anyone who wants to be old one day. Elder Law is much more that Estate Planning. An attorney specializing in Elder Law will help with the tough questions like:

1)  Who will make my medical decisions when I am no longer able to make them?
2)  If I unable to care for myself, how can I achieve the greatest quality of 
      care without bankrupting me or my family?
3)  Who will make my end of life decisions?
4)  What happens if I get sick and can’t stay in my home anymore?
5)  How am I going to pay for it?

Not many people look forward to giving up their independence and moving into a long term care facility, even if it is in their best interest. Fortunately, as our population has aged, care alternatives to the traditional nursing home have emerged, such as home care, assisted living, adult day care and senior apartments. These options can cost anywhere from $30,000 to $100,000 a year or more. Unfortunately, to pay for these services, many seniors will quickly go through their entire life savings and assets, when it is not necessary. There is a better way, that is to plan now! For example many people believe in the old notion that to protect their assets, they need to give away assets to family at least five years before entering a nursing home. First this is usually not true and further, while this may be a good idea for some, it is not for everybody. First, there is no guarantee that the nursing home is the best option. In fact no one ever wants to go into a nursing home. There may be other strategies available that will allow one to remain in their home, assist with the cost of home care or the expense of assisted living. Some of these options are exploring Veterans benefits for qualified Veterans and their spouses and using home based community care options. Second, if gifting is done improperly, it may cause you to lose Medicaid benefits you might otherwise be entitled to. Gifting your assets without the assistance of an experienced Elder Law attorney usually limits your choice and quality of care substantially.

Finally, there will be greater opportunities for better care at the least cost to those that become informed and seek the assistance of a experienced Elder Law attorney. For example, Who Can You Trust To Make Your Decisions When You Cannot Make Them Yourself? It is a common misunderstanding that your spouse or children can act for you during a disability. The truth is, if you cannot make your own medical and financial decisions, a court of law will. It is essential that everyone over 18 years of age creates a Durable Power of Attorney. A Durable Power of Attorney is a legal document allowing you to delegate your personal, health care and financial responsibilities to an agent. You decide who that agent is and how much power to give the agent. If you become incapacitated without a Durable Power of Attorney, no one can legally act on your behalf until the Court appoints a Conservator and/or Guardian. Court proceedings take time and money. There are no guarantees the Court will select the same person you would have chosen. But not all Durable Power of Attorneys are the same. You need an Elder Law Durable Power of Attorney. If you have a Durable Power of Attorney which has not been prepared by an Elder Law attorney, your planning options could be drastically limited without court intervention.

To locate Elder Law attorneys near you, search ElderCareMatters.com – America’s National Directory of Elder Care / Senior Care Resources for Families.

drosenberg1

Don L. Rosenberg, Attorney and Counselor
The Center for Elder Law
Troy, Michigan 48098
Michigan State Coordinator for ElderCareMatters.com


Understanding Trusts: Common Types of Trusts and How They Work

Question:  “Would you please provide us with some additional information about Trusts so that we can better understand what they are and incorporate them into our Estate Plan, if appropriate?”

Answer:  Trusts are a common planning tool that can be used to allow one person to hold property for the benefit of another.  There are different types of trusts with different benefits and drawbacks.  In fact, there are so many different types of trusts that it can often be confusing for people who are considering setting up a trust as part of their estate planning.  You should not be intimidated by trust-based planning.  With the help of a knowledgeable advisor, trusts can be an extremely beneficial component of a thorough retirement and estate plan.

Before we discuss types of trusts, it is important to understand what a trust is.  Every trust must satisfy four basic requirements.  First, someone must create the trust (Trustmaker).  This person is usually called the grantor, although some people might refer to the person as the donor, the settlor, or the trustor.  Second, some person or entity must agree to hold the assets that will go in the trust for the benefit of someone else.  This is the trustee.  There may be more than one trustee, and a trustee does not have to be an individual, a trustee can be a corporation with trust powers, such as a bank.  Third, some assets (money and/or property) must actually be held by the trustee.  These assets are called the trust principal or corpus.  The principal of the trust will likely change; it may be spent or invested and it may go up or down in value.  Fourth, someone must benefit from the trust.  This person is called the beneficiary.  There may be more than one beneficiary.  Aside from these four basic requirements, trusts can vary greatly depending on the manner in which they are created, what the assets are, and the purpose for which they are created.

There are two general categories of trusts: living trusts and testamentary trusts.  A living trust, also known as an “inter vivos” trust, is set up during a person’s lifetime.  A testamentary trust is set up in a will and established only after the person’s death.  It is subject to review and accounting to the probate court.

Living trusts can be divided further into two main types: revocable and irrevocable.  A revocable trust allows you to retain control over all of the assets in the trust and revoke or change the terms of the trust at any time.  This flexibility does have a cost, however.  A revocable living trust does not avoid estate taxes because you still own the property in the trust, although it can help to reduce expenses and avoid probate upon death.  An irrevocable trust, by contrast, generally cannot be revoked by the Trustmaker once it has been created.  You can specify the beneficiaries of the trust, how it will function, and who will serve as trustee.  But, you typically cannot make changes to the trust once it is established without the consent of the beneficiaries or another third party.  Because the assets in an irrevocable trust are no longer yours, the appreciated assets in the trust are not subject to estate taxes.  Irrevocable trusts can also be used to protect property from the claims of your creditors and those of the beneficiaries.

The trusts mentioned above are just some of the many types of trusts available.  There are also many more sophisticated uses of trusts that apply to specific situations.  Below is a list of just a few additional types of trusts (keep in mind that the names identify one use of the trust and not all of its uses):

  • Irrevocable Life Insurance Trusts- These trusts can be used to remove your life insurance from your taxable estate.  The proceeds from the policy can then be used to pay estate costs and provide your heirs with tax-free income.  However, once you have transferred your life insurance policy into this type of trust, you can no longer borrow against the policy or change the named beneficiary.
  • Credit Shelter Trusts (also known as Bypass Trusts or Family Trusts) – These trusts can be used to avoid estate taxes.  The grantor will leave assets up to the estate tax exemption to the trust through a provision in his or her will, then pass the rest of the estate to his or her spouse tax-free.  As an added benefit, even if the money in a credit shelter trust grows, it is never subject to estate tax.
  • Special Needs Trusts- Parents and family members of someone with special needs can establish this type of trust to provide for the well-being of the disabled family member while preserving the individual’s eligibility for government benefit programs.

If you have questions about trusts and how they might be incorporated into your retirement and estate plans, you should consult with a knowledgeable professional in your state, many of whom can be found on ElderCareMatters.com America’s National Directory of Elder Care / Senior Care Resources for Families.

Henry C. Weatherby, Esq., CLU, ChFC, CEBS
Weatherby & Associates, PC
Bloomfield, Connecticut
Connecticut State Coordinator, ElderCareMatters.com


Our Pennsylvania State Coordinator Answers Today’s Question about Estate Planning

Question:  What are the documents that should be included in a comprehensive  Estate Plan?

Answer:  A comprehensive estate plan should include the following documents, prepared by an attorney based on in-depth counseling which takes into account your particular family and financial situation:

A Living Trust can be used to hold legal title to and provide a mechanism to manage your property. You (and your spouse) are the Trustee(s) and beneficiaries of your trust during your lifetime. You also designate successor Trustees to carry out your instructions in case of death or incapacity. Unlike a will, a trust usually becomes effective immediately after incapacity or death. Your Living Trust is “revocable” which allows you to make changes and even to terminate it. One of the great benefits of a properly funded Living Trust is the fact that it will avoid or minimize the expense, delays and publicity associated with probate.

If you have a Living Trust-based estate plan, you also need a pour-over will. For those with minor children, the nomination of a guardian must be set forth in a will. The other major function of a pour-over will is that it allows the executor to transfer any assets owned by the decedent into the decedent’s trust so that they are distributed according to its terms.

A Will, also referred to as a Last Will and Testament, is primarily designed to transfer your assets according to your wishes. A Will also typically names someone to be your Executor, who is the person you designate to carry out your instructions. If you have minor children, you should also name a Guardian as well as alternate Guardians in case your first choice is unable or unwilling to serve. A Will only becomes effective upon your death, and after it is admitted by a probate court.

A Durable Power of Attorney for Property allows you to carry on your financial affairs in the event that you become disabled. Unless you have a properly drafted power of attorney, it may be necessary to apply to a court to have a guardian or conservator appointed to make decisions for you during a period of incapacitation. This guardianship process is time-consuming, expensive, emotionally draining and often costs thousands of dollars.

There are generally two types of durable powers of attorney: a present durable power of attorney in which the power is immediately transferred to your agent (also known as your attorney in fact); and a springing or future durable power of attorney that only comes into effect upon your subsequent disability as determined by your doctor. Anyone can be designated, most commonly your spouse or domestic partner, a trusted family member, or friend. Appointing a power of attorney assures that your wishes are carried out exactly as you want them, allows you to decide who will make decisions for you, and is effective immediately upon subsequent disability.

The law allows you to appoint someone you trust to decide about medical treatment options if you lose the ability to decide for yourself. You can do this by using a Durable Power of Attorney for Health Care or Health Care Proxy where you designate the person or persons to make such decisions on your behalf. You can allow your health care agent to decide about all health care or only about certain treatments. You may also give your agent instructions that he or she has to follow. Your agent can then ensure that health care professionals follow your wishes. Hospitals, doctors and other health care providers must follow your agent’s decisions as if they were your own.

A Living Will informs others of your preferred medical treatment should you become permanently unconscious, terminally ill, or otherwise unable to make or communicate decisions regarding treatment. In conjunction with other estate planning tools, it can bring peace of mind and security while avoiding unnecessary expense and delay in the event of future incapacity.

Some medical providers have refused to release information, even to spouses and adult children authorized by durable medical powers of attorney, on the grounds that the 1996 Health Insurance Portability and Accountability Act, or HIPAA, prohibits such releases. In addition to the above documents, you should also sign a HIPAA authorization form that allows the release of medical information to your agents, your successor trustees, your family and other people whom you designate.

James J. Ruggiero, Jr., Esq.
Pennsylvania State Coordinator,
ElderCareMatters.com


ElderCareMatters.com continues to grow to help families across America

Question:  “My family has trusted ElderCareMatters.com for some time now to help us in locating the elder care / senior care resources that we need in order to effectively plan for and deal with our Elder Care Matters.  Recently, my sister searched a state where there were no Elder Care Professionals listed on ElderCareMatters.com under the service category that was needed.  Can you please tell us what ElderCareMatters.com is doing to continue to attract competent Elder Care Professionals to its site?”

Answer:  ElderCareMatters.com is committed to providing all families across America with access to TOP Elder Care Professionals in 86 different elder care services who can help them plan for and deal with their elder care matters.  We constantly strive to provide families like yours with the professional resources that they need in order to make good decisions about their family’s elder care matters.  With this in mind, we encourage ALL competent Elder Care Professionals across America to be listed on ElderCareMatters.com .

Now, in order to “get the word out” to more professionals across America and to encourage them to be listed on ElderCareMatters.com – America’s National Directory of Elder Care / Senior Care Resources for Families – we are recruiting State Coordinators to help us “spread the word” to every State and to every Elder Care Professional within the 50 states plus the District of Columbia.  Our State Coordinators (who are some of America’s TOP Elder Care Professionals themselves) will help us grow our national Elder Care Professional Alliance so that families (like YOURS) can get the help they need from one online resource that is truly committed to helping them with one goal:  TO HELP FAMILIES PLAN FOR AND DEAL WITH THEIR ELDER CARE MATTERS!

Thank you to the thousands of families like yours across America who rely on ElderCareMatters.com to help them find the information they need in order to make good decisions about a wide range of Elder Care Matters.  And we are committed to continuing our efforts at ElderCareMatters.com to encourage ALL competent Elder Care Professionals across America to be listed on this National Directory of Elder Care / Senior Care Resources for Families.

Phillip G. Sanders, MBA, MSHA, CPA

psandersFounder & CEO of ElderCareMatters.com


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