Day: April 15, 2017

Medicaid – Should We Just Go Ahead and Sell the House?

“My mother, who is a widow, has no savings but owns a home, valued at $200,000, and just entered a nursing home. The cost is $6,000 a month! The only way she can afford that is if we sell her house…If we don’t sell her house, the state will take it anyway when she dies, right? So what difference does it make?”

My client was in a panic, and while selling the home seemed like the only solution, I suggested the following alternative: Don’t sell the house, but instead apply for Medicaid immediately. If mom’s only asset is her home, she will definitely qualify (assuming her income isn’t unusually high).

“But if the state will take her home after her death, why not just sell it now?” my client persisted.

First of all, the state doesn’t “take” a person’s home, either during their lifetime or following their death. What happens, as a general rule, is that following the Medicaid recipient’s death, the state will make a claim against the estate of the deceased recipient, for the total amount of Medicaid benefits paid out for their care, during their lifetime. (Note that a couple of states still do not seek reimbursement following a recipient’s death, even though federal law requires it.)

Thus, if mom only lives for one year after being in the nursing home, and the Medicaid “bill” for her stay in the nursing home for that one year is, say, $50,000, then the family has a choice: keep the house and come up with the $50,000 themselves, or sell the house, pay the state the $50,000, and then divide up the balance of the sale proceeds among the family members, as provided by mom’s will.

What if mom lives for many years in the nursing home, so that the bill from Medicaid exceeds the value of the house? In that case, the state is stuck—the most it can get is the net sales proceeds from the sale of the house. It can’t go after the children for the balance.

Another reason not to sell the house: If mom applies for Medicaid now, and qualifies, the nursing home will be paid the state “Medicaid reimbursement” rate, which is always a good bit lower than the private pay rate. The actual amount the nursing home must accept varies from nursing home to nursing home, so there is no general guideline. However, assume the Medicaid rate is only $4,500/month, instead of $6,000/month. If mom dies after one year, the family may indeed have to sell the house to raise the money to reimburse the state, but it will only owe 12 x $4,500 ($54,000) vs. what it would have paid had it sold the house and paid the nursing home privately, i.e., 12 x $6,000 ($72,000). Thus, the family saved $18,000 by NOT selling the house! And that savings would increase for every additional month mom lives.

So the longer mom lives in the nursing home, the more the family …

Read more

Fermented Red Korean Ginseng: A Natural Remedy for Almost Everything that Ails You

Fermented Red Korean Ginseng: A Natural Remedy for Almost Everything that Ails You

Red Korean Ginseng has been an important herbal remedy in traditional Chinese medicine for thousands of years, where it has generally been used to treat weakness and fatigue.  Its powerful effects have also attracted the interest of modern scientists, making it the most highly researched type of ginseng.  Research shows that Red Korean Ginseng helps with a wide variety of problems, including improving sexual arousal, performance and satisfaction; strengthening the immune system, reducing viral and bacterial infections; effectively relieving fatigue and other issues associated with menopause; relieving stress; balancing hormone levels; and even preventing some types of cancer.

Red Korean Ginseng delivers an all-natural solution to any dysfunction, helping men to get sexually aroused.  In one scientific study with men with ere-le dysfunction, taking Red Korean Ginseng improved their er-le function, sexual desire and intercourse satisfaction.

But Red Korean Ginseng is not just for men.  It is also recommended for post-menopausal women who suffer from fatigue, depression, and/or insomnia caused by hormonal imbalances.  Taking Red Korean Ginseng has been shown to increase blood flow, which among other things, reduces blood pressure and increases energy.

Numerous other studies have shown that Red Korean Ginseng stimulates the immune system to protect the body from the flu and other viruses.  A study of healthy people showed that taking Red Korean Ginseng daily can improve how well the flu vaccine works and reduces a person’s risk of catching a cold.

Red Korean Ginseng also has anti-cancer effects.  In a scientific study with people over the age of 40, the risk of cancer was shown to be lower in those who take ginseng.

All of these powerful effects come from chemicals called ginsenosides found in the Red Korean Ginseng.  Ginsenosides, however, are absorbed only after being broken down by microorganisms residing in the intestine.  Absorption of ginsenosides can be greatly enhanced by taking fermented ginseng instead of regular ginseng.  Fermenting ginseng concentrates the ginsenoside compounds and makes the ginsenosides more easily absorbed from the intestines thus maximizing the benefits of ginseng.  Fermenting ginseng actually increases its potency.  Our patented methods for fermenting and activating ginsenoside results in a product that is an industry benchmark. 

Fermented Ginseng posses all of the properties that are found in Red Korean Ginseng, but it even has more benefits.  Many active ingredients that are present in plants are linked to sugars as like polymers resulting in big size and inefficient absorption into our bodies.  During fermentation, bifidobacterium breakdown these sugars and their energy source which results in smaller size, easier absorption, higher biological effects, and becomes less toxic.  The process of fermentation increases absorption, reduces toxins, and also increases antioxidants and anti-aging properties. 

Bifidobacterium is used in Fermented Ginseng due to its many benefits.  This includes prevention of diarrhea and constipation, reduction of serum cholesterol, improvement of lactose intolerance, digestion, anti –tumor properties, tamin synthesis of B2, B6 and B12, and the suppression of pathogens. 

Fermented Red Korean …

Read more