Crisis Long-term Care, Crisis Care

Crisis Long-term care:

If you now have or will soon have a loved one in Assisted Living or a
Nursing Home, the chances are likely that their life savings will be
"spent down" in a short period of time.

There are legal and ethical methods available to you to stop this "spend
down." At Vital Plan, Inc. we can provide Diversion/Medicaid qualified
annuities. Legal Referrals can be provided. At Vital Plan, Inc., we are
insurance agents, and not attorneys; nor do we have the ability to offer
legal advice. We will work with an attorney of your choice.

Call now to protect your life savings from Long-term care costs.

Medicaid Program: A long-standing state and federal program that
provides assistance for those receiving nursing home care.

Diversion Program:
Definition: "Long-term Care Nursing Home Diversion Program" is a
state of Florida program that provides seniors with assistance for
home health, adult day care and assisted living.

WANT TO KNOW MORE?
View St. Pete Times article by clicking on the link below:
Program brings care to homes of elderly
By Stephen Nohlgren
Published April 19, 2004
Licence for Internet use between Vital Plan, Inc. And St. Petersburg Times, Inc.

Consulting

Advice

Analysis

Many people ask me how I got started working with seniors and their families

when in a

care crisis. After all, I was a computer programmer for 14 years.

Well, I'll tell you, it was because of the lady you see to the left, my grandmother. A

super

lady, she sadly developed Alzheimer

s in her late 80's. She had two

daughters, Shirley

and Pat. Pat was my mother. Shirley, age 67 lived in Baltimore

near my grandmother,

Pat lived in Florida. With the help of home health nurses

Shirley was essentially

responsible for my grandmother's care. She often

reminded me when we talked on

Sunday's that my grandmother would not be with

us forever. So when I received a call

from Baltimore on Sunday morning I was

almost expecting it. I was surprised though

that it was the Baltimore county police

department calling me --- why wasn't my Aunt

Shirley calling? I soon found that it

was not my grandmother that had passed away, but

Shirley. She had died of a

sudden heart attack. My grandmother's nurse had called the

police.

What a shock. At this time, my mother, Pat, was undergoing Chemo treatment for

cancer. We have since lost my mother to cancer. So, I became my grandmother's

guardian at the ripe old age of 35. I learned a lot, fast. About aging, about rights of

the

elderly, about home health, assisted living and nursing home care. About what

the

government pays, what it does not. I hope I did a good job. My grandmother

was 93

when she died. So, a lot of my knowledge comes from life experience. I

later studied

for and received my insurance license and my Certified Senior

Advisor designation to

increase my knowledge so that I can be of even more help

to people and their families.

I hope I can use my expertise to help you and your

loved ones in planning, or at a time

of crisis, in preparing for the best and the

worst that life has to offer.

I can really say, I know what you are going through.

--Shelly Ballard

Crisis
Long-term
Care

Disclaimer: Not intended as legal or financial advice. Please contact an advisor for guidance for your personal situation. Contents
subject to change. Every attempt has been made for accuracy, however, we are not responsible for errors in text. Government rules
and regulations are subject to change without notice

Shelly Ballard
Tarkenton Financial Representative
St. Petersburg, FL
Cell: 727-417-6107
shelly@vitalplan.com

Vital Plan, Inc.

Anna 1904-1997