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This 247 page book is a financial and legal guide to the ins and outs of the only government program that will pay for the long term nursing home care of your family member: MEDICAID. We are excited to offer this book to the public for $47.00 (Shipping is $6.90 for the 1st book and $1.00 more each additional book)

FROM: K. Gabriel Heiser, J.D., Attorney

Dear Friend,

Imagine your life savings, your home and your other family assets being wiped out virtually overnight.

The skyrocketing costs of nursing home care -- now averaging $75,000 a year -- could devastate you financially.

It's tragic but true. A sudden fall ... a heart attack ... a stroke ... an unexpected illness ... or your elderly parent's frailty and disability brought about by advanced age ... can bring financial ruin to you and your family. Nursing home expenses could bankrupt all but the most affluent families!

All your family's assets are exposed to nursing home costs. The government will only pay the nursing home bill if you are essentially broke. Medicare will only cover you for a maximum of 100 days, if they cover you at all -- and Social Security won't cover these bills either. Only Medicaid could cover you.

- K. Gabriel Heiser, J.D., Attorney

Here's a sneak peek at some of the nuggets contained in the Medicaid Secrets:

Discover what single legal document can make a huge difference in your Medicaid planning, possibly saving your family thousands of dollars (page 188)

How to make gifts that incur no penalty period -- even if made within the lookback period (pages 137-140)

How to reduce your home equity if you are over the $500,000 limit without incurring a penalty -- and why a reverse mortgage is not a good way to do this (page 82)

How to put your assets in various trusts in order to qualify a family member for Medicaid immediately -- and still have the assets available to be spent on the family member's supplemental care (page 67)

A clever technique of creating a living trust that enables a nursing home spouse to immediately qualify for Medicaid -- and allow the other spouse to keep the full Community Spouse Resource Allowance of $101,640. This seems counter-intuitive, but it works like a charm! (page 79)

Why annuities are such a powerful Medicaid planning technique
-- When you buy the right kind of annuity, suddenly all the money you used to purchase the annuity has "disappeared" for Medicaid eligibility purposes! (page 108)

When to apply for Medicaid: How applying a day too early can cause years of penalties to be imposed unless you know the rules! How applying too late can cause you to lose substantial Medicaid benefits for which you could have qualified sooner. (page 16)

How you can lose your home if you're not careful -- and how to protect your home! (page 93)

How to shelter a significant amount of cash by buying a new car or a larger car (perhaps a van that is wheelchair accessible) for the Medicaid recipient (page 77)

This single secret allows you to protect thousands of dollars by benefiting your children, brothers, sisters, in-laws, without causing you to be penalized for making a gift! (page 40)

Avoid losing your home! How to title your home so that it will not have to be sold to pay back the state at your death (pages 100 and 162)

Ingenious ways to reduce your excess income in order to qualify for Medicaid (page 25)

How to avoid questionable techniques -- These ploys are risky, banned by many states, or deemed as penalty-causing activities (page 90)

How to make transfers to family members that won't disqualify you from Medicaid (pages 138-139)

When you should use a life estate purchase -- and what technique is better and avoids the one-year residency requirement (page 102)

How to avoid one of the most common and expensive mistakes -- Do this and the Medicaid recipient could be disqualified and lose both nursing home Medicaid and medical coverage. (page 35)

How to use a certain type of "IOU" to make money virtually disappear by lending it to someone else -- this is particularly important so that you don't run afoul of the new federal rules (page 123)

Why purchasing a "Medicaid-friendly" annuity is a wonderful way to convert countable assets to non-countable for Medicaid qualification purposes (page 106)

This single technique can easily double the amount of assets that your family can protect -- sssshhhh, most attorneys aren't aware of how this works! (page 79)

How to avoid having your family member transferred out of the nursing home after finally getting on Medicaid (page 142)

In many states you can exempt an unlimited amount of certain types of property--and it's not the home I'm talking about -- but only if you know how to claim this exemption! (page 85)

How to protect an additional $213,840 without making any gifts, when your spouse is in the nursing home (page 47)

What to change in your will to save thousands of dollars if your spouse ever needs nursing home care (page 150)

Why you can always protect at least 50% of the value of your house if you do this simple technique prior to applying for Medicaid (page 135)

What's the right -- and wrong -- way to title your car, so the state cannot attach it following your death (page 162)

Eleven clever ways to protect your interest in your home, to prevent the state from taking it following your death (pages 93-103)

Smart tricks to "spend down" your resources -- This means that instead of spending your money on things that Medicaid can ultimately pay for, you pay for something that will benefit you and your family yet not have it considered a gift or a countable asset. (page 75)

Who should be the owner of the annuity? Who should be the "annuitant"? When is a promissory note superior to an annuity? (pages 114 and 124)

How to protect your assets using the popular "Half-a-Loaf" gifting technique (page 133)

How to get your farm--including all the land, tool sheds, and equipment--to be excluded when you apply for Medicaid, no matter what their current value is (page 41)

What to do when you have too much income to qualify for Medicaid -- but not enough income to pay for nursing home care privately (page 24)

and much, much more!