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Client Spotlight - William Prior

"If you have any questions about Medicaid eligibility call the professionals at S.A.F.E. Planning, I made the call, listened to the presentation, found out that Medicaid for long-term care was not charity, but an entitlement program designed especially for seniors, and my wife was eligible.

Client Spotlight - Joseph & Helen Jastrab

God Bless SAFE Planning

I couldn’t imagine what the journey of getting my mother into a nursing home would have been like without having the support and guidance of the professionals at SAFE Planning. The emotions that went along with the decision to place my mother into a nursing home were hard enough to deal with then, the thought of piling on how to figure out what’s needed to fill out a Medicaid application well that would have been a nightmare.

Client Spotlight - Eva Reynolds

Eva Reynolds was a stay-at-home mother who had to join the work force when her husband died in 1976. Read about how S.A.F.E. Planning was able to re-qualify her for Medicaid when some unexpected assets were found after she was residing in a nursing home.

Client Spotlight-Rachel, Irma, & Wilfred

Brad and Linda Rachal can’t say enough good things about S.A.F.E. Planning, and they think more people should be aware of how S.A.F.E. miraculously protects assets when a parent has to go into a nursing home or dies.
Irma Rachal had Alzheimer’s and was in a nursing home before she died. “They wanted to take my dad’s home away after momma passed,” explained Brad, “but S.A.F.E. made sure he got to keep their house so every time somebody asks, we recommend S.A.F.E. Planning.”

Linda puts it this way, “Being able to keep their home helped Papaw to still feel like a man. We’d never even heard of S.A.F.E. until Mamaw (Irma) told us SAFE was handling their financial planning. She knew somebody who recommended them to her, and she signed herself up with them to protect their assets.”

According to Linda, Irma and Wilfred’s kids and grandkids meant everything to them. When a family is dealing with long-term care and death it is difficult enough, but when you add the maze of government regulations and bureaucracy to the mix, it can and often is overwhelming and devastating to families because they probably don’t understand how trusts, savings, gifting rules, look-back periods, etc can affect the outcome.

When Wilfred also had to go into a nursing home, Brad and Linda said that Ric and Sharon handled everything for them. “They just told us what paperwork to bring in, and they worked it out. We never felt alone. They walked us through every step,” Linda shared. “I’m still amazed at how they helped us and are still helping us out because when you don’t know anything about Medicaid regulations and how to go about things, it makes a huge difference when you have people like Ric and Sharon who took care of things for us. Ric is still helping us with the burial policies.”

Brad stated, “Mom was just a country girl who retired from Western Electric, and Dad retired from Ralston Purina. They worked all their lives saving for the future, and then at the end they would have lost everything if it hadn’t been for S.A.F.E. Planning.”

“Brad and I want to go ahead and let S.A.F.E. do our planning because we know how much they have helped us with Mamaw and Papaw’s estate,” said Linda. “Every time we have questions, they tell us to come on in, and they walk us through the problem. We just can’t say enough about the great things they have done for us, especially Ric, and we wish everybody knew about S.A.F.E. Planning.”

Ed Chance

“One of the best decisions I ever made was when I made an appointment to go see Ric Cochren at S.A.F.E. Planning,” declared Ed Chance. “My wife heard about Ric at her work so I went to see him. He and Sharon (Calhoun) were truly a blessing. They still are. Sharon probably thinks I have her on speed-dial. They went so far beyond anything I ever expected, and there is no automated service. The first time I walked into the office it was like we were friends. I was under so much stress and just overwhelmed with all the problems, but they relieved that stress and just blessed me by taking my problems and handling them so professionally. They saved my parent’s estate.”

Evelyn Chance lived alone after the passing of her husband, and though she was noticeably slowing down, she was able to live independently until she fell and broke her wrist. Ed had already been helping his mother keep her medications straight and doing other things a son does for his parent when she’s in her eighties. But the situation escalated when his mom woke up from the wrist surgery, because Ed says, “She’d lost everything. Her memory was gone.” So Ed, whose life is complicated by his battle with muscular dystrophy, moved his mother into his home to take care of her.

“I needed back surgery badly, but I had my mom to take care of, and there’s no way I could have had the surgery without the help we got from Ric and Sharon.” Ed is retired and didn’t think it would be fair for his wife, who is employed in the medical field, to work all week and come home and take care of his mother so he kept putting the surgery off – until he found out he could get help from S.A.F.E. Planning to hire a sitter. With the sitter coming in a couple days a week, Ed was able to schedule his doctor’s appointments and personal errands around the sitter’s schedule.

Because Ed’s dad had been a military veteran, Ric and Sharon were able to get Evelyn financial help from the VA that Ed had had no idea was available, and then they got her qualified for Medicaid nursing home care where Ed regularly goes to visit and to call BINGO for the residents.

Ed says it was that call to Ric that made a HUGE difference in the Chance families’ situation because he and Sharon walked them through the process. “If I hadn’t made that appointment to see Ric, this would all have turned out so differently – NOT for the better, and I just advise anybody else to do the same. They’ll be glad they did!”