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

3. 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.

4. 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

5. Mary Anne & Marcia

6. Your life mission is our mission, too.

8. An Entire Network of Advocates

9. A Unique, Eight-Step Planning Program…

10. Solutions for Everyone

11. Web Site Main Page

12. The Process for Protected Tomorrows ® Online

13. Think Tank

14. Life Care Design Studio

15. Tomorrows Careers

16. Protected Tomorrows Charities Education & resources for families Transform U

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

19. Take a Candid Look TM Stage 1

20. Create the Future Map™ Stage 2

21. Have you done your financial planning?

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

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

25. Capture Potential Benefits™ Stage 4

26. Entitlement The Benefits Circle

27. Needs Based The Benefits Circle

28. Cash The Benefits Circle

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

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

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

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

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

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

35. Your Estimated Benefits *Retirement *Family *Survivors At your full retirement age (65 years), your payment would be about… If you get retirement or disability benefits, your spouse and children also may qualify for benefits. 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. $1,000 a month $700 a month $1,700 a month Your child…. Total family benefits cannot be more than… Sample Social Security Statement (partial) Know Your Benefits

36. Healthcare, Workshops, Job Coaching, Residential, etc. Cash Needs Based Entitlement SSI Medicaid/ Medi-Cal Example: SSI = $698/mo Stage 1: PWD Turns 18 parents still working

37. Healthcare, Workshops, Job Coaching, Residential, etc. Cash Needs Based Entitlement SSI Medicaid/ Medi-Cal SSA Example: SSA = $200/mo SSI = $498/mo Stage 2: Parents retire with social security work record

38. Example: SSA = $200/mo SSI = $498/mo Healthcare, Workshops, Job Coaching, Residential, etc. Cash Needs Based Entitlement SSI Medicaid/ Medi-Cal SSDI SSA Medicare Stage 3: Two years following SSA eligibility

39. Example: SSA = $700/mo SSI = $0/mo Healthcare, Workshops, Job Coaching, Residential, etc. Cash Needs Based Entitlement SSI ? Medicaid/ Medi-Cal SSA Medicare Stage 4: Parents pass away

40. 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 Helpful Hints

41. How do you do it?

42. Filter the Legal Options™ Stage 3

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

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

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

46. Things to talk to your attorney about

47. For the benefit of only 1 individual with special needs. For the benefit of only 1 individual with special needs. Used for Used forsupplemental care costs Only Must be Must beIrrevocable... but amendable. More things to talk to your attorney about

48. NOW! When do you create it?

49. Not IN your will Not IN your living trust How should your attorney set up the trust?

50. established now, to allow: Grand-fathering Piggy-backing Ask your attorney for a separate document

51. How do you put money into the trust?

52. Wills & trusts Life insurance Retirement accounts 1 - Inheritance

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

54. Remember to change the beneficiary of your… Life Insurance Retirement Income Profit Sharing Savings Bonds Helpful Hint

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

57. When giving gifts, remember…  NO UTMA or Minor’s Gift Trusts  NO College Bonds  NO Guardian Accounts  BEWARE of Irrevocable Life Insurance Trusts  YES  Special Needs Trusts Helpful Hint

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

59. Now for the hard decisions That was the easy part…

60. Medical Government benefits School issues Recreation and social Employment Day programs Housing Care and support Choosing Future Care People TM Who can handle the responsibilities?

61. Can they understand? Will the job outlast them? Are married couples preferable? Same as trustees? Other Care People™ considerations

62. What happens when my child reaches age of majority?

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

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

65. Fund the Future™ Stage 7

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

68. Begin the Transition ™ Stage 6

69. The Complexities of Transition How to Start?

70. Document the Wonder™ Family Communication is essential Stage 5

71. Think back in time… …to all you have learned

72. “What about residential?”

73. “What about education?”

74. “What about employment?”

75. “What about medical care?”

76. “What about his/her social life?”

77. “What about religious activities?”

78. “What about final arrangements?”

79. “I always use “Don’t move the red cup” my glasses” “Buzzwords/ pet expressions” “That’s my favorite chair” Don’t forget routines?

80. Guidance & Instructions InstructionsForFuture Care People, Money People, & Care Providers. My Special Life™ Write it ALL Down!

81. My Special Life ® Online

82. Share it with the family

83. Fill out a guilt card right now! Your next step…

84. Spread the word… Parent/Grandparent Nursing Home Exception (Power of Attorney and/or Trust must specify) Helpful Hint

85. Protected Tomorrows, Inc. 847-522-8086 info@protectedtomorrows.com www.protectedtomorrows.com Questions? Contact Us!