STOP SPENDING DOWN YOUR LIFE SAVINGS

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Stop Spend Down Brochure (front)
Stop Spend Down Brochure (back)

1. The only way to avoid "SPEND-DOWN" to a Nursing Home is with LTC (Long-Term Care) Insurance!
   TRUE or FALSE?
   
2. I must sell off all properties, close all savings. CD's. IRA's, & Spend these first
   before I can qualify for any government assistance!
   TRUE or FALSE?
   
3. Medi-Cal is only for the "Poor", it's "Welfare"!
   TRUE or FALSE?
   
4. If I get on Medi-Cal the State will put a "Lien" on my home, or my children will
   have to pay back the money for my care!
   TRUE or FALSE?
   
5. If I am on LTC Medi-Cal, I will get poor care!
   TRUE or FALSE?
   
6. If I give away assets to my children to get under the limit, I"ll have to wait three
   years for benifits with Medi-Cal!
   TRUE or FALSE?
   
7. A "Living Trust" will protect my assets from both "Spend-Down" and from the
   State Recovery!
   TRUE or FALSE?
   
8. The only way to get my "Ducks in a Row", apply & qualify for Medi-Cal is to
   pay tens of thousands of dollars to a Legal or Financial "Expert"!
   TRUE or FALSE?