Navigating the Eldercare Journey: Without Going Broke
by Jodi Clock
About The Author:
For over 25 years, Jodi M. Clock has worked in the ‘end-of-life planning’ industry, including family and corporately owned funeral homes, advance funeral planning companies, casket manufacturers and insurance agencies. Having personally witnessed the financial confusion that families endure, especially at an emotionally taxing time, Ms. Clock has centered her career on helping people to understand the options that are available to them. She currently writes and speaks about the basics of Medicaid and asset protection and is a seasoned expert in end-of-life directives.Ms. Clock wrote Navigating the Elder Care Journey...Without Going Broke! to help people appreciate the important facts they need to know in order to make the right financial choices, in one easy-to- understand guide. It is her hope that through the personal stories, straightforward information, and family care plans which include checklists, she will help people manage this process. Her goal is for everyone to become informed on options available that will not leave their hard-earned assets unnecessarily exposed, potentially saving them hundreds if not thousands of dollars; qualify for Medicaid; and have their funeral expenses pre-paid, therefore allowing their loved ones the ability to focus on what’s important and not have anxiety or stress over finances.
When she’s not consulting or helping manage the family funeral business, she volunteers with The Noah Project, a no kill animal shelter. An avid animal lover and supporter, she has a house full of pets and enjoys spending time on the western Michigan shoreline.
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Favorite Author & give one quote from your favorite book by them
“ No good business decisions are made in panty hose or neck ties” Is probably one of my most favorite quotes. It came out of a book that I mentally and professionally was very receptive too at the time called “Jumpstart Your Brain” by Doug Hall. I read it back in the late 90's for a team building exercise with the corporation I was working for. Doug was hired to as a consultant to increase productivity and to inspire creating problem solving. He's by far not my favorite author, however professionally that quote has stuck with me through our the years.
In terms of authors - I'm extremely broad and eclectic. I love murder mysteries much like the Alex Cross series from James Patterson, or even the initial series of Janet Evonovich that made you literally laugh out loud. One of the best books I've ever read was “My Sister's Keeper” by Jodi Piccult. I like how she tackles controversial issues. Professionally. I love Maxcolm Gladwell, Seth Goodin, or Jack Canfield.
Fantasy or Mystery
Hands down .. Mystery
Horror or Comedy
Depends on my mood, however reading I would say horror, however in film I lean towards comedy.
Soda or Tea
When I'm attempting to be healthy tea, however soda almost always wins out. (and in the Midwest….it's “Pop”, not soda..LOL)
Indoors or Outdoors
One thing readers would be surprised to know about you.
I am deathly afraid of clowns and dentists! If a dentist dressed up as a clown, I'm
convinced it would put me over the edge. Dentists are a necessary evil in terms of
healthy lifestyles - however clowns - not necessary in any way shape or form. Go
figure I'm around death all day at our human or pet funeral homes and clowns
creep me out!
Describe your office
My office is located in our main branch of our 3 funeral homes. I have lots of light and my walls are painted different colors. I have 2 doors that are both cut in the “dutch style”. One leads into the office itself from the funeral home and on the other side the door leads into the entry way of the lobby of our pet loss cremation and memorial center. (aka - pet funeral home). I bring my 3 dogs to work each day. Two hang out in the office and one is our funeral home's Therapy Dog. I have pictures scattered all over my walls and have fun flamingo items that people have bought me on my credenza. I have an exercise ball that I sit on and an “ad-doer” chair that I also at times sit on in front of my desk. (Trying to stay in shape any way I can) I have book shelf filled with business books and family photos. A commercial printer, computer all the latest technology. My office however looks like a bomb went off in it. I have papers and files everywhere, however I oddly know what's in every stack. About every two weeks I go on a kick to be neat and paperless - then the cycle repeats itself. If I look out my side window I see my deck and house that is located next to the funeral home, and if I look out the front door in facing the lobby I see out street.
Night owl or early bird
First dinner you had with your Significant Other
The “Sardine Room”, Muskegon MI. It was a quaint restaurant what after 15+ years went out of business. I had fettuccini alfredo and he had pork chops. We were comparing notes and telling stories that the people around us started joining in.
Using the letters of Angel as an acronym, describe your book.
A - authentic
N - necessary
G - good
E - entertaining
L - logical
My favorite recipe would be to eat out - once I became an empty-nester I do survivor cooking and eat out as in my profession in funeral service my days change by the hour, sometimes minute. Cooking is the farthest thing from my radar.
Genre: Non-Fiction / Aging Parents/ End of Life/ Eldercare / Financial Planning
Publisher: Windy City Publishers
Release Date: April 26, 2013
“I don’t feel old. I don’t feel anything until noon.
That’s when it’s time for my nap.”
Navigating the Eldercare Journey – Without Going Broke! can help reduce the challenges and minimize frustration encountered when you are placed in this situation. This easy-to-understand guide takes you from the basics of understanding long term care options that are available, how to seek out an elder care attorney and know if they are good fit for your needs, and how to qualify for Medicaid as a financial means to pay for care, including the benefits of funeral planning - in layman’s terms. Author Jodi M. Clock provides fundamental information regarding the basics in a way that helps you understand not only why her recommendations are important, but how you can minimize financial exposure regarding end-of-life events. Whether you are in a crisis situation or taking proactive measures, these valuable end-of-life solutions could safeguard you and your parents’ assets.
You have a choice – be proactive and preserve your money. Don’t leave it unprotected and unnecessarily taxed when you or your parents die. No matter how prepared you think you are, the reality of death is sobering, and expensive. When time is on your side, you can make well- thought-out, proactive decisions, enabling you to focus on what’s most important in life.
Praise for Navigating the Eldercare Journey:Without Going Broke!~
"Absolutely Essential Reading!" ~AuctionHugh, Amazon Reviewer
"This book was insightful and educational. The layout of the book (especially the key points) allows you to easily scan pages if you don't need to read the entire chapter."~Laura, Amazon Reviewer
"Everyone should have a copy of this book in their home. An easy read, but full of useful information. It relieved a lot of the stress I felt about this topic." ~Bill Sangster, Amazon Reviewer
The Emergence of Medicaid Planning Medicaid planning is a new concept and is probably somewhat of a mystery unless it has impacted you or someone you love directly. Quite possibly, “You don’t know what you don’t know”. Receiving Medicaid assistance to pay for endof-life care is based primarily on net worth and income. Your financial assets cannot exceed a certain amount. If they do, you will be required to pay for your care privately until your assets are depleted to the point at which you do qualify. This often causes individuals to enter into a “spend down” cycle that depletes their personal nest eggs. With good planning, however, you can properly position and reallocate your assets to preserve your nest egg and also qualify for Medicaid.
Up until the last 20 years or so the need to reposition assets (i.e., to have all of the individual’s assets owned by a living trust) to qualify for Medicaid assistance didn’t exist. Why? The average life expectancy was not as long as it is today. In our parent’s generation, someone living to age 80 was equivalent to someone today living to be 90 or even 100 years old. Over the next 25 years, as the baby boomer generation begins to age, the number of people who will be in need of this type of planning will be tremendous. Organization is essential!
The criterion for Medicaid is specific, and if you need help understanding it, there are resources available. Don’t let the process be intimidating!