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Millions ($1,000,000 +) Saved! - Odessa American: At Your Service

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Millions ($1,000,000 +) Saved!

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Posted: Tuesday, November 10, 2015 12:00 am

My name is Michael Melson, with Melson and Associates, and we want to thank you for your support and trust during the last 15 years! We help people qualify for the Medicaid nursing home benefits program while preserving most or all of their assets. We have been asked many questions over the years, and we would like to share some of those questions and our answers with you:

1. How did you become interested in this type of planning?   

My mother was ill and could not qualify for a long term care policy. I did not think it was fair that healthy people could qualify for a long term care policy and protect their life savings, while the unhealthy could not. Thank goodness, the government provides ways to protect assets.

2. Are these plans legal?   

Absolutely! The government has guidelines to follow. The difficulty is interpreting them, and the state caseworkers are not allowed to advise you.    At Melson  and Associates, we work under the direction of an attorney, and we CAN interpret these guidelines.

3. What are some of the basic guidelines?   

The basics include: Utilizing a Miller Trust, Deficit Reduction Act of 2005, Spousal Impoverishment Act and the Terms of the Estate Recovery Act (these are outlined in our brochure).

4. Who are some of the people you have helped?   

We’ve helped individuals from every walk of life, even attorneys, doctors, CPAs, ministers, financial planners, bankers, college professors, engineers, and so on. Good news travels fast, and their referrals are my greatest source of new business! That’s why we do not advertise more often.

5. What is your biggest obstacle?   

Some families have been misled and think that Medicaid planning cannot be done. For example, The Spousal Act has been in effect since 1989 — more than 24 years! If the government did not want you to have a way to protect your assets, they would have eliminated these helpful guidelines.

6. Who should complete the Medicaid application?    

We can! At no charge, we will assist you in completing the application and give you direcion!

7.  If a person has been denied for nursing home Medicaid benefits, is there is any chance that you could still help them qualify?   

Definitely! We have gotten cases approved that have been denied two and three times, before we became involved.

8.  How successful have you been with your planning methods?   

We have been VERY successful in our planning methods. If the individual will follow the plan that has been recommended, he or she should qualify for Medicaid benefits in the nursing home.

9. How do we get started?    

The first step is to call our office to set up your free consultation. When we do our planning, we take no shortcuts! We will help you and your family protect the maximum assets (life savings) and home using the Medicaid guidelines approved at this time.

Call Michael Melson, a native Midlander, for a free brochure and consultation at 432-683-0796 or 800-453-1464. Call us to present a community awareness/educational workshop in your nursing home, church group, business group, etc. Melson and Associates works under the direction of attorneys, and your information will remain confidential.

Odessa, TX

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