Can anyone in FL help with this case!?!?!?

[DayTimer]

cool, put it on the taxpayer.

If Trump can do it ...

 

[Richard Gomez]

Not sure what your question is, wishing you the best.

 

[fed up]

"CALTCAgent, post:cool, put it on the taxpayer.[/QUOTE]

Isn't our job supposed to be gather the facts, gather solutions, help the client? Not every transaction needs to be monetarily beneficial to the financial advisor. If there are no means available to change this situation (in hospital, chf, needs transplant, most likely ineligible for any insurance policy), isn't the next logical step to preserve assets by any allowable means?

 

[ltcadviser]

"CALTCAgent, post:cool, put it on the taxpayer.

Isn't our job supposed to be gather the facts, gather solutions, help the client? Not every transaction needs to be monetarily beneficial to the financial advisor. If there are no means available to change this situation (in hospital, chf, needs transplant, most likely ineligible for any insurance policy), isn't the next logical step to preserve assets by any allowable means?[/QUOTE]

Sure, absolutely.

Not sure the OP's client will get through a 5 year look back period but yes.

 

[CALTCAgent]

If there are no means available to change this situation (in hospital, chf, needs transplant, most likely ineligible for any insurance policy), isn't the next logical step to preserve assets by any allowable means?

I was joking. Yes it is.

 

[yankee466]

Speaking of Florida, does anyone know off hand how long and why MoO plans cost a lot more in FL than any other state? I don't quote FL often, but I was shocked when I changed from GA to FL in the software

If I am really going to do right by this person, I would have no choice but to tell her to find a local Mass Mutual agent and get a bargain before they come out with M/F rates. Its not even close with FL rates. I could compete with a cleverly structured MoO Georgia policy.....but with FL, I would really not be doing her a good service.

 

[ltcadviser]

Speaking of Florida, does anyone know off hand how long and why MoO plans cost a lot more in FL than any other state? I don't quote FL often, but I was shocked when I changed from GA to FL in the software.

If I am really going to do right by this person, I would have no choice but to tell her to find a local Mass Mutual agent and get a bargain before they come out with M/F rates. Its not even close with FL rates. I could compete with a cleverly structured MoO Georgia policy.....but with FL, I would really not be doing her a good service.

Herman, call me and I will help you to coordinate a Florida Mass Mutual policy for your client and get you paid too. We can't write MOO in Florida in good conscience.

 

[PCBI]

69 year old female needing long term care. Has been in hospital and nursing home since May with CHF and fluid overload. Cardiologist said only thing that could help would be heart transplant and she would never make it. Had triple valve replacement about 2 yrs ago.

I know it is a long shot or maybe impossible but can anyone help with a long term care!?!?!?

Best advice is start putting assets in irrovocable trusts it takes 5 years I believe

talk to lawyer if shes gots some money

 

[PCBI]

Nobody want to help you...

speak for urself , that was a joke i hope

 

[Tahoe Ray]

Best advice is start putting assets in irrovocable trusts it takes 5 years I believe

talk to lawyer if shes gots some money

Why is this the "best advice"? I'm not an advocate of people intentionally going on medicaid...why do you feel that this is the best direction?