We are a team of professionals dedicated to helping those with loved ones in a nursing home or going into a nursing home to qualify for Florida Medicaid. We are a filing company working closely with licensed professionals to give you complete information, satisfaction and protection. There are many various strategies to preserve assets and qualify for the Florida Medicaid Program.*

We can assist with the following:

1. Complete and submit application for Medicaid benefits for either Nursing Home Care, Assisted Living/Memory Care or Home Care Services

2. Assist in obtaining verifications needed by the DCF (Medicaid Office)

3. Submit requested verifications to DCF (Medicaid Office) for application approval.

4. Assist with completion of the Medicaid Evaluation by the Department of Elder Affairs (CARES)

5. Provide information and/or assist with the Medical Assessments required for Waivers with Area Office on Aging, Senior Connections or any other sub agency contracted with the State of Florida.

6. Assist with the enrollment process to a Florida Managed Care Plan after Medical Approval.

7. Assist with placement and transfers to a Nursing Home, Assisted Living, or Home Care Services

8. Report changes to DCF as they occur

9. Complete the annual recertification for Medicaid Benefit
10. Additional services as required or requested.

* In Some situations it is necessary to seek the advice and assistance from a qualified Elder Law Attorney before or a part of the application process.  P.A. Consulting Services can assist you with locating one that meet our needs.

Senior Medical Insurance for the Disadvantaged. This federal program provides medical insurance for low income seniors. It is often used in conjunction with Medicare. Medicaid helps those in need by providing coverage for certain medical services and prescriptions that Medicare may not. There is an application process you’ll need to go through, and you will need to meet certain income limitations in order to qualify. If you do qualify for Medicaid, it’s a good way to ensure that you have the quality senior citizen health insurance you need. Contact us today to take you through the process.

For many seniors, an annuity can be part of their financial portfolio for their retirement. Annuities can help seniors build tax-deferred savings to handle retirement costs like healthcare and living expenses.

Learn about specific annuity benefits that can be tailored for seniors, like receiving guaranteed payments, delaying Social Security and handling increasing medical expenses. By choosing the right financial product to meet your needs, you can provide for the health and well-being of your family.

The Veterans Administration offers Aid and Attendance as part of an “Improved Pension” benefit. This Improved Pension allows veterans and spouses of veterans who require the regular attendance of another person with activities of daily living, such as assisting with bathing, eating, dressing, undressing, taking medication, transferring, toileting or memory care related issues to receive monetary benefits.

Aid and Attendance for Veterans and Surviving Spouses

This is a “pension benefit” and IS NOT dependent upon service-related injuries for compensation.

Aid and Attendance can help pay for care in the home,  Nursing Home or Assisted Living Facility.  It is also possible to receive Medicaid benefits for Assisted Living. For individuals in a nursing home and on Medicaid, will usually see a reduction in benefits.

Contact us before you file, we may provide helpful information that may help you qualify for benefits.

Need help finding a professional relative ?

A Professional Relative is usually a social worker or a licensed nurse who specializes in geriatrics, or care of the elderly.  They can help you and your family identify needs and finds ways to meet those needs. They are specially trained to help find resources to make your daily life, or that of a loved one easier.  Professional Relatives can be especially helpful when family members live far apart and could benefit from someone on your team, looking out for your loved one’s best interest.

Whether your loved one is no longer entirely independent or simply needs extra help to enjoy their lives you get help in any of the following areas:

  • Discuss difficult topics and complex issues
  • Make home visits and suggest needed services
  • Address emotional concerns
  • Make short- and long-term plans
  • Evaluate in-home care needs
  • Select care personnel
  • Coordinate medical services
  • Evaluate other living arrangements
  • Provide caregiver stress relief
  • Reviewing and paying household bills, budgeting, and record keeping.
  • Assistance with check writing and checkbook balancing.
  •  Making sure money is received, receipted, and deposited.
  • Offering second opinions regarding household issues and unexpected situations.
  • Handling day-to-day financial transactions such as home repairs, routine maintenance, and emergency medical expenses.
  • Planning retirement account distributions and safeguard against improper disbursements.
  • Arranging proper level of care, transportation, and caregiver assessment.​
  • Providing referrals to local services and agencies.​
  • Organizing and reviewing personal, financial, and legal documents to determine what needs to be addressed.
  • Preparing an inventory of personal assets and investments.
  • Identifying and planning their retirement income, needs, and goals.
  • Determining current and long-term cash flow needs by analyzing income and expenses.
  • Addressing questions about lifestyle, Social Security, pensions, Medicare, and long-term insurance.
  • Monitoring investment portfolio and other assets in conjunction with their investment advisor.
  • Preparing, planning and filing income, trust, gift and estate tax.

The main duties of a professional relative include, but not limited:

  • Care Oversight. Help with overseeing the care your loved one is receiving at home from caregivers, at an Assisted Living Facility or a Nursing and Rehab facility. Our professional eyes and ears can help your loved one receive better care and ascertain that their patient bill of rights is being followed.
  • Periodic Visits.  Your Professional Relative makes periodic visits on an as needed basis to assess the needs of your loved one.  This could include shopping, arrangements for socializing and entertainment, attend care plan meeting at the at Health Care Centers or Doctor Visits.
  • Financial Management. As your cherished family member gets older, they may need help with their day to day financial tasks. Ordinary simple tasks such as balancing a checkbook and paying household bills become increasingly difficult for the elderly.  Your Professional Relative can take over the task of reviewing and paying household bills, budgeting and record keeping.
  • Care Management.  Your Professional Relative can schedule your doctor visits, arrange for transportation to and from, be present at care facilities, help finding suitable home care aids or help finding a suitable assisted living or nursing home when and if necessary.
Planning for the future is important, and elder care services are crucial to help your family members maintain independence, age with dignity and financial freedom.  Contact us today for more information.

Long term expense planning for your loved one.

To shield retires and seniors from the high cost of receiving long term care and protect their hard earned assets, P.A. Consulting Services promotes and sells Long Term Care Insurance and certain Life Insurance and Annuity products that provides long term care benefits. These are typically called Long Term Care Hybrid.

Another attractive vehicle for younger retirees or pre-retirees is called a “Partnership Contract” or “Qualified Contract”.  Agency for Health Care Administration or AHCA, the agency that is responsible for the oversight and administration of Florida Medicaid states that these contracts provide certain benefits for individuals who subsequently need to apply for Medicaid.

There are also special type of annuities that can help with qualifying for government programs, like Medicaid and Veteran’s Aid and Attendance.  These products meet the requirement for Medicaid and provides income to an applicant or a spouse for lost income from the institutionalized spouse or an allowable spend-down.*

Hybrid annuities and life contracts
 can provide tax free income to Seniors to pay for the cost of long term care.  Some contracts provides as high three times your account balance towards long term care and the income is tax free.  For example an annuity with account balance of $100,000 is eligible for $300,000 in tax free income to cover long term care expenses.  In the event that no long term benefits are needed, the assets is available for use or the unused account balance can pass on to a beneficiary. In other words, your $100,000 annuity could cover your long term care needs without having to apply for Medicaid or Traditional long term care insurance.  However, to qualify, you would need to have a contract in place before long term care services are needed and in fair health up to age 85.

​*You will need to consult a qualified elder law attorney to determine the feasible and legal advice on the use of this product for Medicaid Planning purposes.

Make the right financial decision today!

Work with our experts in medical filing, VA Pre Filing, Professional Relative, and long term care planning.

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