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		<title>Help for Veterans and Their Surviving Spouses</title>
		<link>http://strategicplanning4u.wordpress.com/2009/04/29/help-for-veterans-and-their-surviving-spouses/</link>
		<comments>http://strategicplanning4u.wordpress.com/2009/04/29/help-for-veterans-and-their-surviving-spouses/#comments</comments>
		<pubDate>Wed, 29 Apr 2009 16:50:02 +0000</pubDate>
		<dc:creator>strategicplanning4u</dc:creator>
				<category><![CDATA[Help for Veterans and Their Surviving Spouses]]></category>

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		<description><![CDATA[If someone has served on active duty for at least 90 days with at least one day being during the time of war, (WWII, Korean conflict, Vietnam Conflict, Gulf War, or other conflicts).  If they are disabled or simply having difficulty with daily activites of living &#8211; called ADL&#8217;s.      These ADL&#8217;s are things [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=strategicplanning4u.wordpress.com&amp;blog=7374922&amp;post=12&amp;subd=strategicplanning4u&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<div style="text-align:center;"><span style="color:#3333cc;"></span></div>
<div style="text-align:center;"><span style="color:#3333cc;">If someone has served on active duty for at least 90 days with at least one day being during the time of war, (WWII, Korean conflict, Vietnam Conflict, Gulf War, or other conflicts).  If they are disabled or simply having difficulty with daily activites of living &#8211; called ADL&#8217;s.</span></div>
<div style="text-align:center;">  </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">These ADL&#8217;s are things like walking, bathing, dressing, driving, etc. </span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;"><strong>The disability does not need to be service related.</strong> </span></div>
<div style="text-align:center;"><span style="color:#3333cc;"> </span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">There are different classifications and amounts that a Veteran and their spouse can qualify for.  One is called a Non Service Pension Plan for those that were not injured during the war.  </span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">You can contact you local VFW office to receive the proper forms </span><span style="color:#3333cc;">or the Nursing Home may have those forms already and can help you fill them out.</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><strong><span style="color:#3333cc;">You will need to provide the following.</span><span style="color:#3333cc;">  </span></strong></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">1. Honorable Discharge Papers</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">2. Marriage License</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">3. Your Social Security Number</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">4. Your spouses Social Security Number</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">They will require that you sign a POA &#8211; Power Of Attorney Form that is for the VA.  It is separate from any other Power of Attorney you may have.   They will also have a form for any Nursing Home or your doctor to fill out.</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;"><strong>How Much Cash Assistance is Provided?</strong> </span></div>
<div style="text-align:center;"><span style="color:#3333cc;"> </span></div>
<div style="text-align:center;"><span style="color:#3333cc;">The amounts do vary but here is an example. </span></div>
<div style="text-align:center;"><span style="color:#3333cc;"><strong>Up to $1644 a month for a Single Vet. Tax Free</strong></span></div>
<div style="text-align:center;"><span style="color:#3333cc;"><strong>Up to $1949 a month for a Married Vet. Tax Free</strong></span></div>
<div style="text-align:center;"><span style="color:#3333cc;"><strong>Up to $1056 per month for a surviving spouse of a Vet. Tax Free</strong></span></div>
<div style="text-align:center;"><strong> </strong> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;"><strong>What can the funds go toward?</strong></span></div>
<div style="text-align:center;"><strong> </strong>  </div>
<div style="text-align:center;"><span style="color:#3333cc;">The VA will pay for care in a Nursing Home, Your Home or Assisted Living Facility.</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">There is a spend down provision but the right planning with an Elder Law Attorney  can help reduce that spend down. </span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;">Feel free to call us to find out more about this benefit that Veterans have earned for themselves and their spouse.</span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;">Call or email</div>
<div style="text-align:center;"><span style="color:#3333cc;"><strong>STRATEGIC ESTATE PLANNING SERVICES</strong></span></div>
<div style="text-align:center;">for more information.</div>
<div style="text-align:center;"><span style="color:#3333cc;">We are a resourse when you need it most.  </span></div>
<div style="text-align:center;"> </div>
<div style="text-align:center;"><span style="color:#3333cc;"><a href="http://www.STRATEGICESTATEPLANNING.COM"><strong>WWW.STRATEGICESTATEPLANNING.COM</strong></a><strong> </strong></span></div>
<div style="text-align:center;"><strong>1-800-381-8870, email: <a href="mailto:SEPS4U@gmail.com">SEPS4U@gmail.com</a> <a href="mailto:SEPS4U@gmail.com"></a></strong></div>
<div style="text-align:center;"> </div>
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		<title>Do you know what a Ombudsman is?</title>
		<link>http://strategicplanning4u.wordpress.com/2009/04/17/do-you-know-what-a-ombudsman-is/</link>
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		<pubDate>Fri, 17 Apr 2009 19:47:41 +0000</pubDate>
		<dc:creator>strategicplanning4u</dc:creator>
				<category><![CDATA[Nursing Home Facility Selection/Ombudsman Information]]></category>

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		<description><![CDATA[In life we learn the most from our experiences.  Here is one that we don&#8217;t think about much until it happens.  When it does you may need help in a very quick way.  Example:  A Father in Law has been caring for his wife who has Alzheimers for the past 10 years in their home.  He [...]<img alt="" border="0" src="http://stats.wordpress.com/b.gif?host=strategicplanning4u.wordpress.com&amp;blog=7374922&amp;post=3&amp;subd=strategicplanning4u&amp;ref=&amp;feed=1" width="1" height="1" />]]></description>
			<content:encoded><![CDATA[<p>In life we learn the most from our experiences.  Here is one that we don&#8217;t think about much until it happens.  When it does you may need help in a very quick way. </p>
<p><strong>Example</strong>:  A Father in Law has been caring for his wife who has Alzheimers for the past 10 years in their home.  He suffers a stroke, is rushed to the hospital.  They place a pace maker in him yet he has lost the use of his entire left side of  the body.  Now your faced with two parents who quickly need  care.  What do you do and where do you start to help them both. The following information is a quick reference when you need to make decisions.</p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Long Term Care Information: <strong>Do you know what an OMBUDSMAN is?</strong></span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;"><span style="font-family:Times New Roman;">If you are searching for a long term care facility for a loved one then you need to know this information.<span>  </span>It will save you time and energy.<span>  </span></span></span></p>
<p class="MsoNormal" style="margin:0;">
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;"><strong><em><span style="font-family:Arial-BoldItalicMT;">The Long-Term Care Ombudsman</span></em></strong></span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;"><strong><em></em><span style="font-size:small;font-family:TimesNewRomanPSMT;"><span style="font-size:small;font-family:TimesNewRomanPSMT;">A </span></span><strong><span style="font-size:small;font-family:TimesNewRomanPS-BoldMT;"><span style="font-size:small;font-family:TimesNewRomanPS-BoldMT;">LTC ombudsman </span></span></strong><span style="font-size:small;font-family:TimesNewRomanPSMT;"><span style="font-size:small;font-family:TimesNewRomanPSMT;">is specially trained and represents people in a given geographical area who live in assisted living residences or skilled nursing facilities.  Ombudsmen make regular visits to facilities and investigate problems and complaints.  They are usually a good source of information about the differenct facilities in the area, particularly about a facility&#8217;s specific strengths and weaknesses.  Althought Ombudsmen are prohibited from recommending one facility over another, they may offer advice on what to look for when visiting and evaluating facilities.  They may also be able to supply such things as the latest state inspection reports or information about the number and types of complaints a facility may have received.</span></span></strong></span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Start by explaining briefly the status of the person needing the care and ask if they can provide a list of care units based on your needs.<span>  </span>Take notes, ask for complaint records. </span></p>
<p><span style="font-size:small;font-family:Times New Roman;">Google and search the word Ombudsman and put your state in the search.<span>  </span>You can then find the regional person in your area that you can call.  </span><span style="font-size:small;font-family:Times New Roman;">Call the local number.<span>  </span>The toll free number is the national office. Try to speak with the regional person if possible.<span> </span></span></p>
<p><span style="font-size:small;font-family:Times New Roman;">To get a glance at facilities in your area go to:</span><a href="http://www.medicare.gov/"><span style="font-size:small;color:#800080;font-family:Times New Roman;">www.medicare.gov</span></a><span style="font-size:small;font-family:Times New Roman;">.</span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;"> </span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Once you are at that site scroll down and go to:<span>  </span>Compare Nursing Homes, select your state and your city.<span>  </span>You will want to look at the “Over All” rating of the facility.</span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Click under the “What is this”? to understand how the rating is obtained. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;"><span style="font-family:Times New Roman;">NOTE: The Quality Measures Rating is the Nursing Facility <span style="text-decoration:underline;">rating itself</span>.<span>  </span>Don’t depend on those.<span>  </span>It’s self reported.<span>  </span>We have seen Facilities give themselves a 4 or 5 star yet the Health Inspection and Over All rating is a 1.<span>  </span><span> </span></span></span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;"><span style="font-family:Times New Roman;"><span> </span></span></span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">5 Star system.<span>  </span>The more stars the better.</span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">All nursing homes are required to do a Criminal Background Check by Federal Law.</span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;"><span style="font-family:Times New Roman;">3 visits recommended for the same facility.<span>  </span>1 Scheduled, 2 unannounced at any meal time and 1 in the evening.<span>  </span></span></span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;"><span style="font-family:Times New Roman;">Ask to see where they Wash and Bath.<span>  </span></span></span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Look at the Rehab room or ask if they are licensed for Rehab.<span>  </span>If they are not then they will bring in someone.<span>  </span>That means they won’t have much equipment if they are not licensed for Rehab.</span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Ask, “what is the turn over ratio of staff”?  </span><span style="font-size:small;font-family:Times New Roman;">There is a required posting of On Duty Nurses.<span>  </span>They can also use nurses to do paperwork so dig deeper.<span>  </span>If they post 10 Nurses on duty, ask how many of these are doing paperwork or skills that do not interact with the patients currently. If they say 4 then you have 6 nurses full time dealing with patients of the 10 they post. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Alzheimer’s and Dementia may require a special care facility depending on the condition and stage of the patient. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Many units today require a certain amount of Self Pay and then will transition to Medicaid. Ask if each facility can do both.<span>  </span>This is very important. If they don’t then they may be moving in the future as money or health diminishes. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">You may need assessments of the patient from the State, the accepting facility and a doctor so be ready to line up what is required.<span>  </span>The ombudsman or the accepting facility can advise you on those requirements. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">One last thing that comes to mind, we have noticed a particular pattern regarding the quality of care and rating of these Long Term Care Facilities. <span> </span>The pattern is, the Care facilities in the smaller towns have better ratings.<span>  </span>The care for your loved one is the most important thing.<span>  </span>Not the distance you have to drive to see them.<span>  </span>Be open to looking in the smaller areas that are 20 to 40 miles away from you if needed.<span>  </span>The public ratings bare this out as you search the website listed above. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">It can be overwhelming, emotional, stressful, as you make decisions for your loved ones. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">When you walk into the facility does the staff greet you?<span>  </span>Do they engage you from the beginning?<span>  </span>Do other staff members greet you as you pass them or do they acknowledge you with a smile?<span>  </span>Why is this so important?<span>  </span>If they won’t do it to you as a guest, then there is a strong possibility they may not show the interaction and care needed with the ones they are caring for daily. </span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Lastly, Pray for Wisdom and do this at the very <span style="text-decoration:underline;">start</span> of the process.</span></p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">If you need our help then call or email us.  This is just one service of many that we provide for our clients.  We are a resource when you need it the most. </span> </p>
<p class="MsoNormal" style="margin:0;"> </p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Mark Pruitt</span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Founder/CEO </span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Strategic Estate Planning Services, Inc</span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;"><a href="http://www.strategicestateplanning.com">www.strategicestateplanning.com</a></span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;">Toll Free 1-800-381-8870</span></p>
<p class="MsoNormal" style="margin:0;"><span style="font-size:small;font-family:Times New Roman;"><a href="mailto:SEPS4U@gmail.com">SEPS4U@gmail.com</a></span></p>
<p class="MsoNormal" style="margin:0;"> </p>
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