Joan's Corner - December Newsletter
Good morning -- The December ..keeping you informed Newsletter is included in this email. Keeping with the 'nostalgic Christmas' also included is a look back a...
ALTCS is the Arizona Long-Term Care System.
Arizona Medicaid Planning Services
"Care Funding Solutions is a fee-for-service organization that offers services about Arizona Medicaid Planning by helping families shelter and protect assets, plan for, and assist in the ALTCS Medicaid Long-Term Care Program in Arizona. We also help Veterans to get qualified for Veteran Pension in Arizona. We provide Professional Value-Added Services about Long Term Care Planning, Income Only Trust, Legal Documents and Medicaid Plans."
What is ALTCS?
"Is your elderly or disabled family member in need of additional care, but worried about the expenses that come with long-term care? Arizona’s Long Term Care System (ALTCS) provides monetary assistance for continuing care to disabled and senior citizens. Our services about Arizona Medicaid Planning assist families in planning, qualifying for, and applying for ALTCS benefits due to long and complicated qualification process. We will walk you through ALTCS Qualification, ALTCS Homecare Benefits, Legal Documents, Veterans Benefits, and Long-Term Care Assurance Planning."
For more information check the website.
Care Funding Solutions is one of several firms in Arizona that help individuals/couples qualify for ALTCS. These firms have the knowledge required to help qualify for ALTCS AND often preserve individual/family assets in doing so. This is considered a controversial topic in Arizona. You should plan on doing your research about ALTCS and the qualifying process in advance.
"Experienced Estate Planning in Arizona
Although planning for the future is one of the most important things you can do, knowing which direction to take is not always easy. Count on the Arizona estate planning team at JacksonWhite to provide you with the individualized attention and in-depth instruction you need.
Our estate planning team can help you design an estate plan to preserve and protect your assets as well as your personal wishes, before a crisis occurs.
Elder law attorneys.
Call us today at (480) 374-4517 to see how we can help with your legal needs."
For more information on all their services please check their website.
ALTCS is Arizona’s Medicaid long-term care program.
Medicaid is a federally funded program that is administered by the individual states. Currently Medicaid pays for over 50% of people in America that need long-term care. Many people have a question about what services does ALTCS provide.
In Arizona, Arizona Health Care Cost Containment System (AHCCCS) administers the states Medicaid program, which is ALTCS.
Noteworthy, Arizona has one of the best Medicaid programs in the United States. This is because we are a Medicaid Wavier State or a Home and Community Based Services state. There are 39 states currently that are approved wavier states.
What services are being provided by ALTCS?
Not many people are aware about what services does ALTCS provide. Arizona’s Medicaid Program will cover the following:
Medical expenses including doctor visits and prescription medications.
The cost of long-term care in an approved Medicaid Facilities. This includes Nursing facilities and under the HCBS program assisted living facilities and group assisted living homes. Note; Some approved providers may require a period of private pay before the residents can roll on or use Medicaid as a payor source.
. Home care services, both medical and non-medical home care.
. Hospice services
. Speech, physical and occupational therapies
. Medical supplies and durable medical equipment.
. Private duty nurse
. Emergency dental care.
Arizona’s Medicaid Program is a financial safety net for impoverished individuals who need long-term health care, sometimes referred to as extended health care. Arizona’s Medicaid program is funded with federal and state funds and administered by AHCCCS – Arizona Health Care Cost Containment System.
It’s important to note that Arizona’s Medicaid program isn’t just a safety net for the impoverished. With proper planning and assistance from a Certified Medicaid Planner™ or CMP™ it can be accessed by those with a high net worth that’s well above the maximum allowed asset limits. That’s why we say “ALTCS a Safety Net for the Impoverished, and for the SMART™”
Medicaid or ALTCS planning can be a very complicated and confusing subject. If your net worth exceeds the limits, it’s important you work with a professional who understands Medicaid asset conversion strategies. A Certified Medicaid Planner™ or CMP™ is a professional certification in the Medicaid Planning Field. A CMP™ will help you develop a plan in order to be approved for benefits and then help file the Medicaid Application for you too.
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NOTE: ALTCS.org is a private organization and is not affiliated with ALTCS, the State of Arizona, or the Veterans Administration.
ALTCS.org was founded by Steve Dabbs to serve as a resource guide for families navigating life post-50. Veteran of the Vietnam War, Steve Dabbs served on the USS Racine LST 1191. Steve Dabbs got into the financial services industry in 1978.
Steven Dabbs is a Certified Medicaid Planner in Arizona who enjoys helping people in need of ALTCS assistance.
Cecilia Dabbs is a Certified Legal Document Preparer in Arizona and a wife of Steve Dabbs. Both compliment each other.
If you need to find ALTCS Approved Assisted Living Facilities, Group Homes or if you need to qualify for ALTCS then Steve Dabbs will provide you very Valuable Consultation.
"ALTCS: Health Insurance for Individuals Who Require Nursing Home Level of Care
The Arizona Long Term Care System (ALTCS, pronounced ALL-Tecs) is health insurance for individuals who are age 65 or older, or who have a disability, and who require nursing facility level of care. Services may be provided in an institution or in a home or community-based setting."
Use this site to learn about the program and how to apply. This is the long-term Medicaid option in Arizona.
Certified Legal Document Preparer
Ask our Certified Legal Document Preparer all your Estate and ALTCS Planning Questions.
"Why Choose Cecilia Dabbs and Legal Document Solutions?
Even though Cecilia Dabbs can prepare all types of legal documents, she focuses on two areas. These are Estate Planning and Medicaid Planning.
She has prepared 1000’s of Revocable and Irrevocable Trusts, Wills, and Power of Attorneys since she became a Legal Document Preparer Phoenix AZ in 2005.
She subscribes to the same document preparation software that many attorneys do, so your document will be the exactly same document that you would receive from an attorney at a fraction of the cost.
Cecilia Dabbs is also a Certified Medicaid Planner or CMP and has practical working knowledge of Arizona Medicaid or ALTCS, which stands for the Arizona Long-Term Care System. She is able to prepare the Arizona Miller Trust or Income Only Trust when needed.
She is fluent in Spanish, so if your senior age parents came to America when you were very young or not born yet, she can help explain the different legal documents to your Spanish speaking loved ones so they will fully understand the reasons to have them in place."
Check the website for more information.
What are the Roles of Legal Document Preparers in Arizona?
"Legal document preparers in Arizona offer several services to individuals or entities who are engaged in a legal matter while representing themselves in a court of law. However, it is important to understand that AZCLDPs are neither attorneys nor lawyers, and they do not employ attorneys to work for them. AZCLDPs are barred from giving legal opinions, advice, or warrants when it comes to the outcome of a case, but communication with the preparers is still highly confidential, just like any other legal matter.
AZCLDPS practitioners can only offer facts and information regarding legal procedures and the rights entitled to a person or a group. Legal Document Preparers in Arizona are not allowed to make judgments or give their insights. They may just inform on statutes regarding an issue in question."
NOTE: This information is provided by ALTCS.com. ALTCS.com is a private company providing Arizona residents with support navigating the ALTCS program.
What is ALTCS?
ALTCS (pronounced ALTECS) is an acronym for the Arizona Long Term Care System. ALTCS is an Arizona Medicaid program that is designed to help fixed income seniors and other disabled individuals afford the care that they need. ALTCS pays for the care that you need after savings are exhausted. The program requires an application and typically takes between 60 and 90 days for approval.
We are not the governmental ALTCS Medicaid office, but Senior Planning is happy to assist you through the application process along with finding care.
The Arizona Long Term Care program is for seniors and disabled individuals that need long term care.
There are two components to the application. The first is a financial assessment, determining whether or not the applicant can afford to pay for necessary care on their own. We are happy to go over your specific financial situation to determine whether or not you qualify.
The second component is the functional and medical assessment, which determines whether a person is truly in need of long-term care. Total need is determined by points with a successful application scoring 60 points or higher.
NOTE: Senior Planning is based in Phoenix and serves the entire state of Arizona. We are happy to meet with you at home or provide a consultation by phone.
Senior Planning is paid commission for the care services that we find. We do not charge our clients for consultations about the ALTCS application or finding care for you. We are paid a commission by the communities so finding care is free to you. We also offer more robust services for benefits assistance at extremely affordable rates.
What is ALTCS
"ALTCS (pronounced ALTECS) is an acronym for the Arizona Long Term Care System. ALTCS is an Arizona Medicaid program that is designed to help fixed income seniors and other disabled individuals afford the care that they need. ALTCS pays for the care that you need after savings are exhausted. The program requires an application and typically takes between 60 and 90 days for approval. We are not the governmental ALTCS Medicaid office, but Senior Planning is happy to assist you through the application process along with finding care."
The Arizona Long Term Care program is for seniors and disabled individuals that need long term care. There are two components to the application. The first is a financial assessment, determining whether or not the applicant can afford to pay for necessary care on their own. We are happy to go over your specific financial situation to determine whether or not you qualify.
The second component is the functional and medical assessment, which determines whether a person is truly in need of long-term care. Total need is determined by points with a successful application scoring 60 points or higher."
Senior Planning is another company providing assistance in applying and qualifying for ALTCS. There are several companies available in Arizona and they can provide useful assistance for a fee. ALTCS long-term care services takes careful planning.
NOTE: This information has been provided by Stronghold Financial, a private company providing support navigating the Arizona Medicaid (ALTCS) program.
Simply put, long-term care (LTC) is the largest financial risk you will face as you age.
4-out-of-5 people over the age of 65 will need LTC in their lifetime
The average cost for LTC is $8,000/month but can exceed $20,000/month in certain cases.
The cost of LTC has historically increased 3-5% per year.
Most families tell us they can’t afford to pay the high costs of LTC without risking their life savings. The good news is Medicaid LTC can drastically reduce the share of LTC costs you and your family will have to pay should the need arise for LTC – for people who are found medically and financially eligible for the program.
In general, Medicaid LTC will pay the difference between your income and your cost of care. Medicaid will also allow you to retain some of your income for personal needs, and shift some of your income to your spouse if you're married.
While Medicaid LTC has strict rules about the amount of income and assets applicants can have in order to be eligible, there are effective and legal strategies we can use for both single and married individuals to get you or your loved one qualified – fast!
Stronghold Financial specializes in re-positioning assets and income to preserve 100% of these resources for the healthy spouse or 50-75% for the estate’s beneficiaries (children, grandchildren, etc.). Our financial strategies are federally approved and 100% safe and legal. Best of all, our hands-on expertise can provide Medicaid LTC financial qualification in an average of three weeks versus the industry average of five months!
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How Is Stronghold Different?
. We average three week approval times on Medicaid LTC applications.
. We preserve and protect your family’s assets and income using a variety of safe and legal strategies.
. We take the entire process of Medicaid planning and application preparation off your plate – removing the stress and overwhelm from getting the care you or your loved one needs.
. After you’re approved, we provide you with the ultimate in peace-of-mind as we are the first firm in the industry to manage your Medicaid status on an ongoing basis. This means we work to keep you compliant year-after-year so you won’t lose your benefits.
This site is owned and managed by Ron Smith