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Are you getting ALL the benefits you can from Medicare?
By John Borrelli, RN
Have you ever heard of a trust fund? Maybe you have heard of one in reference to
people who have a great deal of money and place their money in a trust to
protect the funds. A trust fund can also be used to place money and assets in a
“holding pattern” for children under age 18 to keep the resources safe until
they can legally manage them. Did you know that you might be able to use a trust
fund to help you get more benefits from the government?
Millions of seniors and disabled adults are struggling unnecessarily with the
high cost of healthcare in America. Many seniors have to decide between
purchasing their needed prescription medication and food. Other seniors are
forced to dispose of or “spend down” their hard earned savings so they can be
receive benefits from the government to pay for placement in a nursing home due
to failing health. Fortunately the Federal Government has provided a way for
people with modest income and assets to receive the benefits they deserve.
However, like many government solutions it is not widely publicized, until now.
The solution is called a “Medicaid Pooled Trust”. This is the federal reference:
“The qualified Medicaid pooled trust
for the disabled individuals is a legal instrument which meets criteria in 42
United States Code 1396(p) (d) (4) (c) and which allows disabled individuals to
place assets and/or income into a trust to qualify for Medicaid
assistance”.
In non–legalese, a trust with
AGED will allow you and/or your loved one to become eligible for the
benefits that are needed to take care of the expenses associated with today's
healthcare system.
You might ask: “the Medicaid Pooled Trust seems to be for
disabled individuals and I’m not disabled. No? Take this quiz:
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Do you work fulltime to now?
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Do you have any medical impairment?(If you are over 72
any medical condition is considered severe)
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Could you go back to your previous job or career or any new
job or career fulltime?
If you answered no to all those questions you may qualify for
disability according to Social Security guidelines. Now you can join the AGED
Trust and qualify for benefits.
What kind of benefits can you qualify for?
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$2-$7
Co-pay for Most Medications
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Paid Medicare Premiums
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Paid Co-insurance, deductibles
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DME(Equipment)
and Medical supplies
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Home
Health aid/services
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Transportation
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Assisted
Living Facility Supplement
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Hospice
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Nursing
Facility Payment Assistance
How can you keep your assets and income, yet still receive these
benefits? When you join a Medicaid Pooled Trust, your income (social security,
pension) and assets are invisible to the government and you now qualify for the
benefits you deserve. Wait, don’t trusts have to be set up by attorneys and
isn’t that expensive? The answer is yes and no; the
AGED trust is already set up by an attorney and ready for you to join. AGED
is a non-profit organization whose mission is to serve the elderly and disabled
by assisting them to receive benefits to make life easier.
The AGED Trust is available in all fifty states.
For More Information Contact:
John Borrelli, RN
Benefits Specialist
Brio Healthcare, Inc.
407-673-6418
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In
The News |
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Feeling tired all the time?
You’re not alone. In fact, fatigue is one of the most
common complaints that bring adults to doctors’ offices.
Numerous studies indicate that people who see their doctor
about fatigue have generally experienced it for a
considerable length of time — anywhere from six months to
several years!
Fatigue can be due to numerous causes, such as medical
conditions like congestive heart failure, hypothyroidism or
diabetes. It can also be a result of sleep disturbances
brought on by menopause, or by physical changes that
accompany aging. But while fatigue may be an inescapable
part of life, there’s no need to take it lying down. Your
body is geared toward generating energy as well as expending
it. And there are numerous strategies to help regain the
physical and mental energy needed to enjoy life to its
fullest.
Eat for energy
The tried-and-true advice
for healthful eating also applies to keeping your energy
level high:
• Eat a balanced
diet that includes a variety of carbohydrates,
proteins, and fats with an emphasis on vegetables, whole
grains, and healthy oils. Taking a daily multivitamin will
ensure that you get the vitamins and minerals you need, but
taking extra amounts of individual nutrients won’t give you
more energy.
• Eating certain
types of foods in particular amounts can help
prevent fatigue. Because different kinds of foods are
converted to energy at different rates, some — such as candy
and other simple sugars — can give you a quick lift, while
others — such as whole grains and healthy unsaturated fats —
supply the reserves you’ll need to draw on throughout the
day.
• Eat small,
frequent meals. Where energy is the issue, it’s
better to eat small meals and snacks every few hours than
three large meals a day. This approach can reduce your
perception of fatigue because your brain, which has very few
energy reserves of its own, needs a steady supply.
Reduce stress
The most common cause of
persistent fatigue is stress and the emotional response to
it. People who feel fatigued most of the time don’t
necessarily have more stress in their lives than other
people, but they may be more sensitive to its effects.
Stress-induced emotions consume huge amounts of energy.
Relaxation therapy can be an effective tool for reducing
stress and naturally boosting your energy, particularly when
used in combination with cognitive behavioral therapy.
Meditation, self-hypnosis, yoga, and tai chi are all
relaxation techniques. One of the easiest techniques to use
is progressive muscle relaxation, which involves
systematically tightening and releasing sets of muscles,
beginning with your toes and progressing up your legs,
torso, hands, and arms. You might also consider other
relaxation therapies, including aromatherapy and massage.
No
matter what age you are, there are things that you can do to
feel more energetic. Harvard Health Publications’
Boosting Your Energy report will help you take the
first steps toward discovering the causes of your fatigue.
This Special Health Report provides you with the latest
information about fatigue and offers strategies to help you
regain your physical and mental energy. The report discusses
medical conditions that may be the cause of your fatigue as
well as ways to naturally boost your energy.
Reprinted from Boosting Your Energy
— A Special Health Report from Harvard Medical School,
Copyright © 2007 by the President and Fellows of Harvard
College. All rights reserved. |
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