Bringing You Protected Tomorrows: Your Journey through an 8-Step Planning Program

1. Bringing You Protected Tomorrows: Your Journey through an 8-step Planning Program Speaker: Mary Anne Ehlert

2. Disclaimer • The information provided by speakers in any presentation made as part of the 2012 NAF Annual Membership Meeting is for informational use only. • NAF encourages all attendees to consult with their primary care provider, neurologist, or other health care provider about any advice, exercise, therapies, medication, treatment, nutritional supplement, or regimen that may have been mentioned as part of any presentation. • Products or services mentioned during these presentations does not imply endorsement by NAF.

3. Presenter Disclosures • Speaker: Mary Anne Ehlert • The following personal financial relationships with commercial interests relevant to this presentation existed during the past 12 months: • No relationships to disclose or list

4. Mary Anne & Marcia

5. Your life mission is our mission, too.

7. A Unique, Eight-Step Planning Program…

8. Web Site Main Page

9. The Processfor Protected Tomorrows® Online

10. Life Care Design Studio

11. Tomorrows Careers

12. Our Goal Today To create awareness … so you take action

13. Stage 1 Take a Candid LookTM

14. Stage 2 Create the Future Map™

15. Have you doneyour financial planning?

16. How much money will you need for your family member with special needs?

17. Recreation Education Medical Other Work Other Family Living Insurance Savings Benefits Create the Vision

19. Stage 4 Capture Potential Benefits™

20. The Benefits Circle Entitlement

21. The Benefits Circle Needs Based

22. The Benefits Circle Cash

23. The Benefits Circle Healthcare, Workshops, Job Coaching, Residential, etc.

24. Entitlement - Cash Income Rules Entitlement SSDI SSA Healthcare, Workshops, Job Coaching, Residential, etc. Cash Needs Based

25. Entitlement - Healthcare Income Rules Entitlement SSDI SSA Healthcare, Workshops, Job Coaching, Residential, etc. Medicare Cash Needs Based

26. Need - Cash Entitlement Healthcare, Workshops, Job Coaching, Residential, etc. Cash SSI Income and Asset Rules Needs Based

27. Need - Healthcare Entitlement Healthcare, Workshops, Job Coaching, Residential, etc. Cash Medicaid/Medi-Cal SSI Income and Asset Rules Needs Based

28. Government Benefit Programs Income Rules Entitlement SSDI SSA Healthcare, Workshops, Job Coaching, Residential, etc. Medicare Cash Medicaid/Medi-Cal SSI Income and Asset Rules Needs Based

29. Know Your Benefits Sample Social Security Statement (partial) Your Estimated Benefits At your full retirement age (65 years), your payment would be about… $1,000 a month *Retirement If you get retirement or disability benefits, your spouse and children also may qualify for benefits. *Family You have earned enough credits for your family to receive survivors benefits. If you die this year, certain members of your family may qualify for the following benefits. *Survivors Your child…. $700 a month Total family benefits cannot be more than… $1,700 a month

30. Helpful Hints • Learn the group health insurance laws for your state • Beware: self-insured plans not subject to state law • Know your social security benefits • Be sure to keep your annual statement • Benefits change–keep up with the laws

31. How do you do it?

32. Stage 3 Filter the Legal Options™

33. Avoid giving gifts/inheritance Directly to person with disabilities To Siblings, with an understanding To traditional Spendthrift Support Trust

34. There is a solution! The Discretionary 3rd Party Special Needs Trust

35. What’s all the paper for? Instruction Manual “Rules of the Road” 2) A document prepared by your attorney

36. Things to talk to your attorney about

37. For the benefit of only 1 individual with special needs. • Used for supplemental care costs Only • Must be Irrevocable . . . but amendable. More things to talk to your attorney about

38. When do you create it? NOW!

39. How should your attorney setup the trust? • Not IN your will • Not IN your living trust

40. Ask your attorney fora separate document • established now, to allow: • Grand-fathering • Piggy-backing

41. How do you put moneyinto the trust?

42. 1 - Inheritance • Wills & trusts • Life insurance • Retirement accounts

43. 2 – Savings on Behalf of PWD To: Trustee Of Trust Avoid giving gifts/inheritance directly to PWD

44. What if the PWD has orreceives money directly? • Talk to your attorney about: • “Oops” Trust • OBRA 93 Trust • Payback Trust PWD-Person with Disabilities

46. How do you start? Find an attorney with special needs expertise! www.ProtectedTomorrows.com PT Live!

47. The Alternatives • Meet with your attorney to discuss… • Do nothing • Invoke power of attorney rights • Guardianship/Conservatorship

48. Guardianship/Conservatorship • Is a court proceeding • Requires annual reports • Essential issue: independence

49. Stage 7 Fund the Future™

50. How to Divide the Pot? What about your other children?