To Schedule your Free Initial Call with an ERBC Consultant
Welcome to Elder Resource Benefits Consulting
Take a deep breath, our consultants are dedicated to walking you through the Costs of Senior Care and
How the VA Pension Benefit can help you or your loved one meet your Senior Care goals.
It can be daunting to try and figure it out on your own.
ERBC is here to help.
You can work with us in confidence knowing we do not sell financial products.
Getting our clients to understand the benefit, when and how they qualify and how the benefit works with other programs is our focus.
Where should you start?
Be realistic, educate yourself on the options available - and what they cost. Utilizing our services will provide you with the confidence that you have done just that - explored your options and made the best decision for your loved one. Our Cash Flow Analysis is an effective starting point, compliment or finishing touch to your desire to make sure you are exploring the options available.
The confidence and peace of mind you will gain by working through our process is immeasurable.
Whether you need research on
1.The VA's Aid and Attendance Program - A pension available to many veterans and their surviving spouses or dependantsbased on a number of criteria pertaining to personal care needs and financial status. 2. Medicaid based programs - sometimes referred to as Adult Foster Care (GAFC), PACE, CHOICES, etc - Administered through Federal Medicaid and State regulations, these program vary by State. Medicaid can be used to pay for long-term nursing home care in all states. Many states also allow their residents to use Medicaid waivers to pay for assisted living or in-home care. Each state has individual rules, regulations and eligibility requirements.These programs are for those with low income - for example, the Tennessee Choices program picks up part fo the cost for those in assisted living who have monthly income below $2,205 per month and assets of $2,000 or less. If you have more than $2,205 per month (or whatever your State's Maximum Income is) you may be able to create a Miller Trust or Qualified Income Trust to help you meet the income limit. Do a google search on Medicaid assisted living and add your state's name to the search to see what is offered in your state and then ASK the folks at your assisted living if they offer a low income program once assets are depleted. Find out what the rules are, you have to advocate for you and your family members. 3. Low Income Housing Tax Credit Program - a program sponsored by the Department of Housing and Urban Development (HUD). These can be hard to find, but well worth asking about. Again, don't forget to ask!
or 4. Other Senior Programs,ERBCis dedicated to researching your issue. What we mean by this is, if you have a certain grant or waiver, we will work with you and the assisted living community or state to make sure that receiving the VA benefit does not put you over the income or asset threshold for your program. We love research!
The New York Times & The Dallas Morning News have both featured Patty Servaes, Founder of ERBC and President of Servaes Consulting Group, LLC in articles about the VA Pension Benefit.
Please note that we do not recommend filing 6 months before you reach $80,000 in assets as this article states, when to file is based on your particular situation - the highest amount of assets we've had a client file with and receive the benefit was $248,000 - we would not have recommended she wait until assets were within six month of $80,000.
if you need assistance scheduling your phone appointment
Call 508 485-0039 Or 833 VA AWARD
Elder Resource Benefits Consulting 365 Boston Post Road #390 Sudbury, Ma 01776
For representation before the VA, ERBC refers to Servaes Consulting Group, LLC so you can be assisted by a VA Accredited Agent.
Neither Elder Resource Benefits Consulting nor the Servaes Consulting Group, LLC is affiliated with the Department of Veterans Affairs or any other government agency. Elder Resource Benefits Consulting and the Servaes Consulting Group, LLC are not Veterans Services Organizations.