Did you know that 96% of retirees leave money on the table when filing for their Social Security benefit?  There is someone who can help you make a wise and fully informed decision when filing for benefits.  A Social Security Analyst is a certified, trained professional with a singular mission.  Helping you make the most of your personal options.  Sit down with one of our team, help them understand your unique situation and lay out the possibilities open to you as you contemplate your filing decision.The Social Security Office cannot do this for you, by law. But we can!If you are married, widowed, divorced, single, not yet 65, 65 or older you may be eligible for benefits. Call us right now at (986) 200-4444 and speak with a Social Security Analyst to make sure you do not miss anything you may be entitled to.Provided by Health Insurance Associates Inc. Nampa, ID 83687

Reverse Mortgages Offer FreedomYou deserve to enjoy your retirement years. A Home Equity Conversion Mortgage (HECM)also known as a reverse mortgagecan help you find the financial freedom you need.Well cover the basics to help you decide if its right for you.What is a HECM and how does it work?A HECM is a federally insured reverse mortgage that offers borrowers more protection than non-HECM loans. HECMs use home equity to pay your outstanding mortgage while eliminating your monthly mortgage payments.* Depending on how much equity you have, a HECM can also provide extra funds as a lump sum or line of credit. Available to borrowers 62 and older (non-borrowing spouses may be younger) Available for primary residences Borrower retains full ownership Doesnt prevent the home from being passed to heirsLoan repayment is never more than the value of the property*Borrower must continue to pay property taxes, homeowners insurance and maintenance costs.Will HECM income affect my retirement benefits? HECM funds are considered loan proceeds, not income, so they wont affect Social Security payments. However, needs-based programs such as Medicaid and Supplemental Security Income may be affected.How can you use a HECM? A HECM isnt just for those experiencing financial hardshipalthough it can certainly help in those situations. These loans can also help those doing well achieve more.You can use a HECM to:Pay off existing mortgage and eliminate monthly mortgage payments*Pay for everyday living expenses and orPay for a home remodelCover health care costs and/or provide for in-home carePay for the trip of a lifetime Fund a grandchilds school tuitionFund investments and/or long term care policyThere are no restrictions on how you can use the fundsSilver divorceFund the purchase of a new homeWhat if Im ready for a new home?We also offer a HECM for Purchase loan that lets you buy a new home without incurring monthly mortgage payments. This is a great option if you need to move to a smaller home, find one that is single-level or upgrade to a home with room for family.Who repays a HECM loan? A HECM doesnt need to be repaid until the borrower (and non-borrowing spouse) permanently leave the home. In most cases, HECMs are repaid by selling the home once the borrowers no longer live there. Neither you nor your heirs will be responsible for repaying more than the value of the home. We now have new proprietary (non-government) reverse mortgage options (minimum home value $400K) available to borrowers age of 55+ with some very exciting new benefits!A reverse Mortgage can improve your life, but there are many considerations.  If youd like to learn more about how a reverse mortgage can help you or a loved one meet financial goals, contact us today. **This ad is not from HUD or FHA and was not approved by HUD or any government agency.**The loan is subject to foreclosure for failure to pay taxes and insurance to maintain the property and insurance and to comply with the terms of the loan.**Consumers remain responsible for property taxes, homeowners insurance, and home maintenance.

CHALLENGE #1:Knowing How to Fill Out the Complex Medicaid ApplicationMedicaid eligibility can be incredibly complex and each waiver can differ from state tostate. The consequences of being denied by Medicaid is frustrating and causes undostress to clients and families.  Because the rules for Medicaid change frequently it's difficult forpeople to know how to fill out the application properly.  Additionally, the application is time-consuming and the review process is often lengthy.As Certified Medicaid Planners Legacy Navigation helps you:Structure your financial resourcesPrepare documentationAssist in creating Miller trustsManage your asset transfersPreserve your family's resourcesProtect your home from Medicaid recoveryManage your finances to ensure a (a non-applicant spouse) has adequateincome and resources to continue living independently during and after the timetheir partner is receiving care assistance.CHALLENGE #2Understanding the Latest (and Often Changing) Medicaid Rules and How They Apply toYour Specific SituationDo you need to make more monthly income that exceeds Medicaids limit?Are you wondering if you can keep your home?Do you need a vehicle?These are conversations Legacy Navigation has everyday with their Clients.  TheirRegistered Nurse (RN) and Master Social Worker (MSW) begin the process with a freeconsultation to look at your whole picture.  This consultation includes: A complete medical, financial, and psychosocial assessment. Setting Client & family goals. Assessing your likelihood of Medicaid approval. Dispelling the myths of Medicaid.  Once a Client of Legacy Navigation, they will become your Authorized Representative togather all the needed paperwork for submitting your formal application to Medicaid.Once submitted they then go to work communicating with Medicaid 2 to 3 times a weekto ensure your application is moving forward!CHALLENGE #3Housing: Finding You Assisted Living or Bringing Care Giving Services to Your HomeDo you want to stay in your home but need more care?Is it time to consider assisted living but you cannot afford it?Legacy Navigation has relationships with agencies throughout the State to help withyour Medicaid assisted-living placement, or, finding Medicaid caregivers to providesupport in the home for your advanced care needs.About Legacy NavigationLegacy Navigation are skilled pro's in "navigating" the complex world of Medicaid. With acombined 50 years of health care experience and over 227+ successful Clientplacements they are your trusted advocates. Their chief aim is to bring you peace ofmind and comfort during your time of need!  Legacy Navigation Is Recognized as Experts inMedicaid Applications with a 99% Approval RateEditors Note: This article was submitted by Brooke Baker RN and Jessica Young MSW,co-owners of Legacy Navigation who may be reached at (208) 204-6004 or on the webat www.legacynavigate.com