(2025) 2-23 David Carrier Show Hour 2

(2025) 2-23 David Carrier Show Hour 2

Episode Transcript

Speaker 1 (00:04):
He served at the Pentagon as an arby jack. He
graduated from Notre Day and has two law degrees from
Boston University and Georgetown University. He's been practicing law for
over thirty years. He's your family's personal attorney. It's time
for the David Carrier Show.

Speaker 2 (00:24):
Hello, and welcome to the David Carrier Show. I'm David Carrier,
your family's personal attorney. As I promised in the first hour,
we're going to talk about the PACE program. PACE program
of all inclusive care for the elderly. Now, this is
getting to be more and more important in my opinion,
simply because our other options are not exactly going away

(00:49):
but diminishing. Let me tell you what I mean, long
term care is now. The cost of long term care
has always been onerous, extremely onerous, meaning expensive. But we
had some options before where which are going away? I mean,

(01:09):
we just have to admit they're going away. And what
I mean by that is you didn't have as many
kids as your parents did. There's more of you, There's
more of us than there were of them, Okay, so
relying on the kids to take care of you, which,
believe me, I got a lot of folks who say

(01:29):
that that's going to happen. But uh, well, you know,
whistle pass the graveyard all you want. I guess I
don't think so. So here's so, here's the thing. Your
kids aren't going to take care of you, all right?
Is that a newsflash? Is that you know? Did you?
Did you know that? Or is that? Is that news
to you? I hope it's not news, but but nevertheless,

(01:53):
there there it is. Okay, kids aren't going to take
care of you in all likelihood. Now maybe they will,
you know. And we still see some kids, you know,
who are doing that, but gosh, vanishingly, vanishingly few, okay,
who are still in that mode, in that Sandwich generation

(02:14):
kind of mode. So not likely to happen. And then what, right, then,
who's going to take care of you? Well, the answer
is you're going to pay for it. Well, back in
the day, you used to be able to hire registered
nurse to come in the house for thirty bucks an hour.
You could get the church lady for five bucks an hour.
You could get your grandkid for ten bucks an hour.

(02:35):
I mean it used to be like possible. It used
to be not super crazy to think that you could
actually afford to pay for your care. Now you say, well,
I'll never need the care. I get that a lot too. Well,
they need the Well, that's great, okay, you believe that.
But the national ins due to health you know, I

(02:55):
know it's a federal government. I know, we don't trust
those guys. Still, in all, they say, it's seventy percent
if you've got if you're sixty five years old, there's
a seventy percent chance that you will need on average,
three years of skilled care. Twenty percent of folks will
need five years or more. It's a long term care.
Dot Gov, go and look it up. Don't believe me.

(03:16):
I'm fine with that. And the fact of the matter
is that when you're in your sixties, the level of
utilizations relatively low, higher when you're seventies, skyrockets when you're
in your eighties. Okay, So it just as things go along,
the odds of you needing care go up and up
and up. And then the question is who's going to
provide the care. It's not all nursing home care, not

(03:37):
by a long shot. But as I'm trying to say,
the traditional sources of care aren't there anymore. Just not,
I mean, wake up and smell the coffee. It ain't.
That's not the way it works anymore. Okay, So what
are we going to do about it? Well, what we've
got is are a lot of private care. Okay, thirty

(04:01):
bucks an hour for the trainee, you know, the person
who got some training, no certifications, whatever. One hundred bucks
an hour if you want a registered nurse. And it's
been a while since I checked that one out, so
it's probably more now, I don't know, but over one
hundred dollars an hour for a registered nurse. Come out
to the house and check onya. Okay, not cheap. Oh

(04:23):
and by the way, Medicare doesn't cover this stuff. Medicare
covers rehabilitation, does not cover long term care. So now
what are you gonna do? Well, go broke, I guess
that's what that's the most popular. It's the most failure.
But it's the most popular way of people getting long

(04:44):
term care is they go broke. They spend all their money.
You know, there's a reason that the last few years
of life are by far the most expensive in terms
of medical care. It's because it's long term care, all right.
It wasn't so much your bypass or knees or your
hip or whatever else. It was the long term care
for the last few years. So depending on what statistics

(05:05):
you believe, and there's a bunch of them out there,
you know, don't I don't make this stuff up. Just
look it up yourself. Okay, what is it? Ninety percent
in the last couple of years. Eighty percent?

Speaker 3 (05:17):
I don't know.

Speaker 2 (05:17):
It's ridiculously high. So the point is all right, and
it's not covered by insurance, right, So the biggest medical
expense you have in your whole life isn't covered by insurance.
How are we going to handle it? The answer is Medicaid.
Medicaid ooh, scary, bad thing. Medicaid Ooh, get over yourself.
Every nursing home takes Medicaid, with one or two minor exceptions.

(05:40):
Everybody takes Medicaid. Why do they take Medicaid because nobody
can afford twelve thousand dollars a month, fifteen thousand dollars
a month, eighteen thousand dollars a month, and that's what
it costs. You think I'm kidding. Call a place and say, hey,
I need skilled care? How much how much a day? Right?
The nice place five point fifty a day, and they'll

(06:00):
tack on another fifty bucks one way or the other.
All right, four hundred dollars a day, you know at
the good places for fifty a day. All right, you're
not wake up in small the coffee, will you please?
You're not gonna people are like, oh, or the financial advisors.
That's what I love. Oh we set aside money for
that for what for the first three weeks? Come on,

(06:24):
and not how it works anyway, You saved, you built,
you did all the good things you wanted, security for
yourself or your spouse. Well, if you're the one with
the Alzheimer's, the Louis body dementia, the vascular dementia, that
whatever the heck, it is a right that is going
out the window. Because what traditional medicaid says is you
got to be broke. It is not like social Security.

(06:46):
It is not like medicare. All right, and Medicare isn't
covering You think, oh, I'm paying all this money to Medicare,
it'll cover it. No it won't. No, it won't. Medicaid
covers it. But you got to be broke for medicaid.
Why do you got to be broke for medicaid? Because
they can get away with it. That's why they always say,
if you want to know what the government would do
to you if they could get away with it, look

(07:07):
at medicaid, because Medicaid, unlike Social Security, unlike medicare, says
you got to be broke. Yeah, you paid for it,
middle class Michigan, you paid for it.

Speaker 3 (07:20):
Thank you.

Speaker 2 (07:22):
I don't even say thank you. You paid for it.
But guess what, there's a whole bunch of other people
who are gonna get it, not you. And you're like,
what about the rich people. They don't pay for this stuff?
You kidding me? They're not paying payroll taxes for them.
It would be a bad thing if they took a salary,
So they don't take a salary. They just take capital gains, right,

(07:43):
that's how it works. Sorry, And then you got what
fifty plus percent of the population that's actually net takers
from the government, the treasury there, Okay, but not you.
You're the one who pays, who pays for it all?
You pay for it all. That's the bottom line, okay.

(08:03):
And then what happens when you're finally broke, Then it's like, okay,
here's a new roommate in a nursing home. Well, wait,
a second. Maybe I don't want to go to a
nursing home. Maybe I don't need to go to a
nursing home. Maybe a nursing home is the absolute most
expensive real estate. You could stay a Trump Tower for
less than it costs to go to a nursing home. Okay,
Now you wouldn't be able to get the room service

(08:24):
there in the Trump Tower, but at least you know,
you get the rest of it, and I'm sure you
get the free breakfast. You know it'd be no problem.
All right. So the question here is how are we
going to handle this right? How do we make sure
that understanding that if I don't plan ahead for the medicaid,
if I don't jump through all their hoops, I'm going
broke if you need long term care. Now you say, well,

(08:47):
I'm not going to need long term care. I said, fine,
you're one of the twenty percent that doesn't need it
or fifteen percent or whatever the number is. Are you
a kidding me? Really, you've never been that lucky in
your life. It's not going to happen. You've got where
you are through common sense and hard work, not through luck.
Why are you depending on luck? Now? Makes no sense

(09:07):
to me. When we get back, I will explain how
the pace works. I'm David Carrier, your famili's retirement law specialists.

Speaker 3 (09:37):
David's got to you how to you're looking for? Just
call seven seven twenty four and this is the David
Carrier Show.

Speaker 2 (09:47):
Welcome back to the David Carriers Show. I'm David Carrier,
your retirement law Specialist, which means only what I want
it to mean, which means that whatever legal needs retirees have,
that's what we're dealing with. Come to with three Secrets Workshop.
Go to the website David carry Your Law, Squish it
all together David Carryer Law dot com. And we got

(10:07):
oh oh, this is really cool. You got to go
to the website. Go to the website. Huh, do yourself
a favor, and we've got this new AI thing there
where just to ask it any any question, like I
hate my kids and I'm a gazillionaire, right, and it
will give you answers. It's really it is the coolest
thing ever and it's AI and it was well, I

(10:31):
don't know, maybe like it. The thing is it was
trained on my stuff, right, was trained on things that
I've written, So it it it doesn't it sounds sort
of like me. Okay, So it's it's you're not going
to get the traditional half baked customary, whatever the hell advice.
You're going to get something that's that's really good in

(10:52):
my opinion. Uh. And then of course you'll get steered
to a three secrets workshop. So go to the thing
and say it. Just if you just type in, you
gotta wait like twenty seconds or something like that, and
it'll pop up. And just say I want to work
shop in Grand Rapids or I want to workshop in
Norton Shores, or I want to workshop in Portage, or
I want to work shop in Holland, and say when

(11:13):
you want it, and then it will it'll direct you there.
So that it's all about making it easier because frankly,
I'm like you, I have a hard time maneuvering these websites.
But this AI stuff, holy cats, we actually found the
use for it, so it is useful. Give it a
try and you will love it. If you don't, you
can blame me. But that's as far as it goes. Anyway,

(11:35):
we're talking about PACE program of all inclusive care for
the elder. If you have a question coming or concerned
about pace call me now six one six seven seven
four twenty four twenty four. That's six one six seven
seven four twenty four twenty four. Now your kids aren't
going to take care of you. Deal with it. It's

(11:56):
too expensive to go to assisted living. Deal with it.
It's too expensive to go to skill nursing care. Fine.
And another thing that we have observed, who's your best
friend in the world. Your spouse. That's who who's gonna
stick with you when everyone else runs away? Your spouse. Okay,
that's that is still reality. That is the way this

(12:17):
thing goes. And the problem is your spouse will kill
themselves to keep you out of the nursing home, and
probably will. That's why forty to fifty percent it's the
spouse who dies first. It's the caregiver dies first. Well,
what if we could lighten the load on the caregiver?

Speaker 3 (12:35):
Huh?

Speaker 2 (12:35):
What, you don't want to go nursing home, nobody does.
You don't want to go assist a living, nobody does.
All right, what if you didn't have to? What if
you could stay at home with your spouse if you
got one. If you don't, you could stay at home
if you just got a little bit of help. Okay,
you don't need a ton of help, but you need
a little bit. You need more, see, because that's what

(12:56):
skilled care means. It means you can't do it by yourself.
You need some help. It doesn't mean you need total
comprehensive twenty four to seven three sixty five with a
roommate and Buzzer's going off help. You don't need that,
but you do need some help. Okay, fine, that's where
pace comes in. You See, it's beautiful because you stay

(13:17):
at home, you keep your money. You're already paid for
this through the medicaid. Okay, you already paid through this
through your payroll savings plane at work called taxes. You
already paid for it, middle class America, you already paid
for it. Now, the fact is that you're going to
get hammered, penalized, terrible because you're stupid enough to actually

(13:38):
save money because you provided for your spouse. Well, they're
going to take that away. The lever maximum around one
hundred and sixty thousand. Good luck for that. Go ahead, honey,
make it for ten years on one hundred and sixty
thousand dollars. God bless you, right? Are you kidding me? No?
So Oh and by the way, you know I'm in
long term care. You know they're taking my money? Right,

(14:01):
this is what you get too bad for you? Forget
about it. No, no, no, no, you weren't stupid to
save the money. There's actually things you can do to
hang on to the money, which we're not going to
get into here because I'm here to sing the praises
of the program of all inclusive care for the elderly,
which opened recently. A new place. You know, if you

(14:22):
if you go to twenty one and Lowell, right, there's
like a dozen I don't know, I mean a lot
of these the cannabis places, right, and one of them,
but one of them is not a cannabis place. It's
the brand new Pace facility. It's beautiful. But you could
be forgiven with all the pay with all the cannabis places,

(14:44):
you could think, oh, there's another one I buy. That's
a big one. Boy, it looks nice. Yeah, it's not
a cannabis place. It's Pace. Don't confuse it. But here's
the deal with Pace. And there's another big one down
on Kalamazoo forty four. This is for Kent County, Union County.
The key is you don't need to live outside your home.

(15:05):
You don't need that much care. Yeah, maybe this is
all Haimer. Maybe spouse says Alshimer. Whatever, Okay, what you
need is a break, right, a regular routine break. Do
you need five days a week? Because if you do, fine,
five days a week, they will come pick your love,
the one to pick you up, take you to the
senior center, breakfast, lunch and a snack. Personal hygiene, all

(15:29):
your meds, all your medical equipment, all your everything, taken
care of, your procedures, the whole nine yards. Okay, in pace, Oh,
that's too good to be true. That's too good to
be true. It's sixty percent cheaper. Then you go into
a long term care facility. Sixty percent cheaper, says who
says every pace person I've ever run into. Okay, because

(15:51):
it's all inclusive. Do you see no more donut holes,
no more copays, no more Oh I gotta buy this,
you know what. The big complaint I get, The big
complaint that we get is that we're running out of
space to put all the insurre and the pens. Right,
they oversupply you all right, so I mean those get adjusted.

(16:11):
But the point is not, Oh this is terrible. It's
not good. It's like this is really good. Now. The
typical what is pace? Pace is all inclusive. I said
this before. I will say it again. Okay, all inclusive.
Care when you sign on to Pace, when you enroll
in Pace and you have to qualify under Medicaid, yes

(16:33):
you do. There are qualifications for this. But people disqualify
themselves for no reason. It's just because they don't get it.
So come on in, we'll explain it to you. We'll
show you how you will qualify. If you qualify, maybe
you don't qualify. Okay, you know I don't have a
magic wand here I'm not Harry Potter for crying out loud.

(16:53):
I'm just saying there's a lot more out there of
benefit to you that you're not taking advantage, and you're
killing your spouse because of it. I mean, think, guys, guys,
all right, there's going to come a time when you
don't want to take a shower and your wife has
got to man handle you into the shower. How the
hell is that going to work? Huh, wife, you got

(17:16):
to get that guy in the shower. Well, listen, you
only say, well, I did it with the little kids.
And when the kids were little, I did it. Yeah,
well he's not a little kid, and you're you're not
thirty years old anymore. Okay, but that's what PACE does. Pace. Well,
the guys will come out to the personal hygiene, get
you ready for the bus, whatever is appropriate in an
individual case. He said, well I don't need that. I said, well,

(17:37):
don't get it. Then you don't have to take it.
You've ever been to old country buffet?

Speaker 3 (17:42):
Huh.

Speaker 2 (17:43):
You don't have to eat everything. You pick and choose
what you like. That's how that's how this works. You
don't have to order everything off the menu, but the
whole menu is available to you and there's no additional
charge depending on what it is you want. This is
why we absolutely love of the PACE program because it's
financially responsible. Okay, it's responsible to the family, it's responsible

(18:09):
to you. So you're not gonna go broke. You don't
have to go broke. Why would you go broke? You
don't have to Okay, great, good. So we're gonna get
qualified in a way that doesn't break the family, in
a way that provides for your spouse, in a way
that provides a reserve for you. Okay, so we can

(18:29):
supplement what Pace is willing to pay, in accordance with
the Medicaid rules. Always in accordance with the rules. We're
not breaking the rules. We're living with the rules. We're
living within the rules. Okay, I have to keep saying that,
but it's true. So now you're qualified. Now you can
stay at home. So it's responsible to you yourself, if

(18:51):
you're the one who needs it. It's responsible to your spouse.
Now they're not broken looking like death warmed over. Okay,
it's responsible in the big picture, in the big societal picture,
because you do need care, you do need it, but
you don't need the high price spread. You don't need

(19:12):
you know, you don't need that. All you need is
a little bit of help, all right, which is sixty
percent Again I keep saying it sixty percent cheaper than
going the other route. Okay, you know, Oh, we're all
going to cut the budget and okay, fine, great, but
we're not cutting the individual services. That's not happening, right,
And we're going to lift up the programs that deliver

(19:34):
services most efficiently. That's pace. Pace deliver services extremely efficiently
and in a way that you'll actually like. Okay, I mean,
the overwhelming response from our folks who are on pace
overwhelmingly positive. I'm going to talk about the pluses and
minuses when we get back. You've been listening to the

(19:56):
David Carrier Show. I'm Davy Carrier, your retirement law and
pays specialists.

Speaker 1 (20:06):
On who that minute through the end, I'm digging up.

Speaker 3 (20:17):
She's getting me excitations. Javik's working and working and taking
your calls. Now, this is d Carrier Show.

Speaker 2 (20:41):
Welcome back to the David Carrier Show. I'm David Carrier,
your retirement lost specialist. Give us a call. Why don't
just sixty one six seven seven four twenty four twenty four.
That's six one six seven seven four twenty four twenty four.
This is where we deal with Will's trust, probate, real estate,
long term care, business law, you name it. Give us

(21:02):
a call. Six one six seven seven four twenty four
twenty four. Go to the website Davidcarrier Law dot com. Now,
very exciting news. Very exciting news because I'm excited. You
know you heard about all this AI stuff, right ooh Ai.
It's wonderful. Hey. One of the problems that I've had

(21:23):
for twenty years now, since we've been doing websites is
how do you make it easy to maneuver right? How
do you make it How do you lower the friction
if you will, How do you make it simple to
actually use the website to get the information that you're
looking for to accomplish your goals? You know, if you
dealt with software, and I was back in the day,

(21:46):
you know I learned for tran cobol. You know that
cobol is in the news now because I is still
running on it. Well, I was at high school when
I first learned a little bit of coball. It was
mostly for Tran. I was programming in but we didn't
have a computer to run the program. It was a
It was my high school biology teacher who was really
interested in computers as well. He says, well, I'll be

(22:07):
the computer. You just write the code and I'll pretend
to compile it and run the program. So anyway, long
story short, I've had kind of an experience with the
computer and very blocky, very difficult to use, and you
try to anticipate how people are going to use a
website and all the rest. Well, you don't have to

(22:27):
do that anymore because if you go to the website
Davidcarrier Law dot com Davidcarrier law dot com, and we've
got a few and this thing will pop up. It
takes about twenty seconds, give it, give it a minute
and it'll pop up. And it's got my picture on it, lovely,
and it's got some frequently asked questions. You can click

(22:48):
on those if you want to, or you can click
on the little microphone and just tell it what it
is you're interested in, and it'll think about it for
a while and then it'll start pulling out of our files,
you know, a whole bunch of stuff that will actually
answer your question. It'll be very so far, we've been
testing it and it really is pretty useful. If you'd

(23:09):
like to come to one of our three Secrets workshops,
which we strongly encourage you to do, if you like
to set an appointment, if you like to come to
the office. You just wanted more information, just to ask it, okay,
you know, tell them, you know, my kids are crazy
and I'm not feeling so great myself, and then they'll say, oh, well,
they need it. You know, it'll analyze your question for you.
It's it really is kind of amazing stuff and it's

(23:31):
not one of those that goes out It's not like
a it's not it goes out to the internet and
imagines stuff because it's been trained on you know, twenty
years of radio shows and five years of newspaper columns
and all the rest of the stuff that we've been
doing right along, so it's it's actually pretty well focused.

(23:52):
You might find it useful if you do go to
the website and you'd like to come to one of
our three Secrets workshops, which why the hell wouldn't you.
It just makes it very easy to sign up for them.
Just say I want to sign up for the workshop
in whether it's Grand Rapids, Norton Shores, Portage or Holland
you know, the next one, something like that. Just tell
it and it will it will guide your path. It's

(24:15):
very exciting because it really it's finally starting to realize
some of the promise. It's not a substitute don't get
me wrong. It's not a substitute for one on one.
It's not a substitute for you know, real interaction. But
it makes things easier. It just makes it a lot
easier to do the things you want to do. Okay,
we've been talking about but I promise last week. We've

(24:37):
got some emails from last week. We're like, oh, you
know the PACE stuff. I don't you know. I'm going
into church and not hearing about it. So what I'm
trying to do is nail down pace. Pace is an
alternative when you need skilled care. Some people don't qualify
for PACE because they've got a pension. Well, if you've
also got a if you've got a pension and a spouse,

(24:58):
you'll qualify for PACE. Oh i've got big IRA, I
don't qualify. Well, if you get a big IRA and
a spouse without sacrificing the pension, without sacrificing the IRA,
we can get you qualified for the PACE. We'll show
you how to do it. I'm not getting into that
right now. The point is that PACE is much much.

(25:19):
It's less than half of what it costs for traditional
skilled care. And you stay at home, and you stay
at home, and you stay at home. Okay, you stay
at home. Ninety five percent of PACE recipients, according to
National Nationwide, ninety five percent of PACE recipients die at home.

(25:39):
Five percent need more care. All right, one out of twenty.
It's not that bad, okay, But instead of one hundred
percent going to long term care facility. It's one out
of twenty, it's five percent. Okay, will you be in
the five percent? How the hell do I know? I
don't know. But it's nice, isn't it nice to know
that if that option is available, if you need it. Okay,

(26:03):
But ninety five percent of people don't go there, don't
go to a long term care facility. They stay where
at home? Now, the benefit is to you because you're
staying at home five days a week. They will pick
you up, take you to the senior center if you
want to go. If you don't want to go, stay home.
But I'm gonna bet you that your spouse will appreciate

(26:25):
having one, two, three, four or five however many days
right where they can have a cup of tea, go shopping,
relax with the girls, whatever it is. Okay, are you
getting the picture now? So many times and it's just
it's absolutely tragic. Forty to fifty percent of the time,

(26:46):
the caregiver dies first because and it's men and women,
but it's mostly women. Frankly, they kill themselves keeping you
out of the nursing home. What well, that's what was
the idea that that's why they don't reach out for help, okay,
you know, and they don't want to spend that kind
of money thirty to one hundred dollars an hour for

(27:06):
you know, basic up to up to registered nurse. They
don't want to spend that much money. I get it understood.
So they do it themselves because the kids aren't around.
The kids aren't going to help out. But you didn't
have that many kids and whatever. And the church lady
she's in the nursing home now herself. And we didn't
replicate the church lady. Okay, So why wouldn't somebody want

(27:27):
to do PACE?

Speaker 3 (27:28):
Well?

Speaker 2 (27:28):
Number one, the number one absolute top reason everybody always
says is they didn't believe it. It's too good to
be true. Oh, I could never qualify for that. What
kind of situation are we in when the people who
pay all the bills think it's outrageously ridiculous to think

(27:48):
that they might actually get something back. But that's where
we're at. Oh, it's too good to be drue, I
couldn't possibly be like that. Remember, well, why don't you
ask some of the hundreds of people who actually gone
through PACE, right, I think we've got testimony we do.
We've got testimonials on the website. See I should do that,
I should test that. I bet you the AI could

(28:10):
come up with some of the some of the testimonials.
But anyway, the point is you don't believe it. You
don't think, oh, it couldn't possibly be that way. All right, Fine,
be that way if you want to. But it works.
It's real. It's spreading all over the place. Why why
is it spreading Because it's what people actually want. It's
sixty percent less than the alternative. Okay, and it preserves

(28:35):
your spouse. You know, do you feel bad that your
spouse is running around taking carry you all day long?
Maybe they don't have to if are you feeling I've
sacrificed everything in your kids? This is especially true with
the kids. They sacrifice unbelievably to take care of the parents. Okay, well,
what if you had a couple days off. What if
five days a week, you know, during the daytime, at

(28:58):
least mom and dad was well cared for, and you
knew it and you didn't have to give them a
bath and you didn't have to do all that. All right,
now you got yeah, you still got the weekends, still
got the evenings. But it opens up huge possibilities, is
my point. Okay, So that's number one. Get over the
idea that it's too good to be true. Just get
over it. Okay, it's not too good to be true.

(29:21):
You already paid for it. Why you're not taking advantage
of it is a mystery to everybody, well except for
the too good to be true. The second thing is
the pace has its own doctors. Now in Kent County.
It's different in different counties. In Holland, you know, in
Ottawa County it's the Holland Hospital. Here it's the University
of Michigan Health System. And I understand University of Michigan.

(29:46):
I mean, come on, talk about a bunch of hacks, right,
everybody knows the University of Michigan Health System is subbar right,
are you kidding me? The freaking University of Michigan health
geniuses whatever. Okay, And I know if you're an MSU
fan you might not want to admit that. But but

(30:09):
it's really good doctors, it's really good people. Okay. They
have their own pharmacy at each facility. They've got their
own pharmacy, so you don't have to worry about the
drugs in the mail or driving to the thing. They
take care of all that for you. They drive you around.
It's transportation. Okay. But people like, oh, I won't have
my own doctor, you know what I mean? And the

(30:30):
answer here's just human nature.

Speaker 3 (30:33):
Right.

Speaker 2 (30:34):
So here's the thing with I won't have my own
doctor because a lot of people say that, Oh I
love doctor killed there. You know, I got to have
doctor kill there, and they have Marcus Welby, and I
don't like Marcus Welby. I want doctor kill there. Well,
the fact of the matter is every every Pace program,
I'm aware. Oh there's the music. I'll finish this up
in the last segment. I promise you you've been listening

(30:54):
to the David Carrier Show. I'm David Carrier, your family's
retirement law, specially whatever that means. I may not always
love you, but long is there doesn't love you.

Speaker 1 (31:14):
You never did you, Dad.

Speaker 3 (31:17):
I'll thank you such. David's working and working and ticket
your calls. Now this is the David Carrier Show.

Speaker 2 (31:38):
Welcome back to the David Carrier Show. I'm David Carrier,
your family's personal attorney. Okay, if the Pace program is
so wonderful, so great, right, how come everybody's not doing it?
Number one, they don't believe it. They think it's too
good to be true, which is which is the most
tragic thing in my oasis, Like, come on, get real anyway.

(32:00):
That is that's one thing. The other thing that you
hear is, oh, I love my doctor, and I can't
have my doctor. And every PACE program that I'm aware
of now allows you to keep your doctor if you
want to, and they'll pay for your doctor if your
doctor will agree to accept payment, so you can keep
your doctor. Guess how many people keep their doctor. None

(32:20):
of them? Zero, except for now. Every once in a
while you get a really esoteric specialist whatever, and they'll
pay for that. They will, they'll keep your esoteric specialist.
Oh it's only this neurologist or that cardiac. Well, okay, fine,
do that. But what we find is everybody else has

(32:43):
got doctor. Everyone else has got Marcus Welby and not
doctor Kildare. And all of a sudden you find out
that doctor killed. There wasn't that important because Marcus Welby's
the next greatest thing, and so it just hasn't been
a problem. And in fact, when you push the PACE people,

(33:03):
you know if you say, well, okay, you've got this
program for you know, people keep their doctor. How's that
working for you? Nobody can tell you because nobody doesn't.
They're like, oh, I would never Oh I got to
keep my doctor. Yeah. And then when they're in the
program and all you got to do is fill out

(33:23):
a sheet of paper, you know, a little thingy there,
it's like nobody wants to be bothered because why because
it wasn't really that important anyway. It's an excuse, that's
all it is. Okay. So that's another thing. Another thing
that people say, oh, my mom would never go to that.
Oh my mom's a very private person. My mom or
dad very private person. It may be confirmation biased, okay,

(33:49):
but it does seem that the people whose kids are
most most about, oh mom is mom would never do that,
they turn out to get the very most benefit from it.
And that's not scientific. And I acknowledge that it may
be just a perception thing. You know, people say, oh,
there's no way, and then it actually works out very well,
and then it's like, oh, well, so my perception of

(34:13):
it may be wrong. But of the incidents of it,
you know, the fact that it seems to be mostly people.
More people whose kids said they never would get along
get along the best. Okay, I accept that my perception
may be screwed up on that one. But they do
get along right, And you know, it's like, oh, they
never do this, never do that. It's like, you might

(34:35):
be very surprised the socialization aspect, right, the getting out
with people their age. See, here's a problem. Kids often
think that their parents are noncommunicative, just want to watch
TV withdrawn from the world, et cetera. It's not that
your parents don't want to talk. It's that they don't
want to talk to you. You got nothing to add,

(34:55):
you got nothing to say. You complain about your own
kids to your parents. I don't want to hear it. Okay,
you don't share their worldview, you don't share their history.
Put them in a room, sit them around the table
with a bunch of people, and they all start complaining
about their kids or how it was back when you know,
when LBJ was president, or what Nixon did, or you

(35:17):
know whatever it may be. Okay, it's a different story.
And we hear that and again, hear it too often
to think that it's coincidental that mom just bloomed when
she went or dad just really got into it with
those guys. Okay, because guys, loneliness and isolation and all
the rest of it real problem for guys. That's supposed

(35:39):
to be okay by us, right, we're not supposed to
worry about it. But so you can't like say, oh,
you're lonely, you know, you know, can you imagine your dad? Oh, Dad,
you're lonely and isolated. Therefore I'm going to put you
in this thing. It's like, are you kidding me? You
can't tell me that. Okay, But if but if they
show up there and they're sitting around the table with
a bunch of guys and they start telling stories, start

(36:03):
lying at each other about stuff. Hey, all of a sudden,
the world's a wonderful place, okay, And women just do
it much more. It seems to me, just my perception
seems to be much more naturally. But those are the
sorts of complaints. Those are the sorts of showstoppers. Number one,
couldn't be that good. Number two, I'm gonna miss my doctor,

(36:24):
which is BS total BS. Okay. Number one, you don't
have to lose your doctor if you don't want to.
If it's a specialist. Then you know, then of course
you want to stick with that specialist, you know, the
one who's been good for you, and they'll pay for that,
it's no problem. And then it's the oh they'll never
go Oh yes they will, Oh, yes they will. They're
very good about getting people on the bus and once

(36:44):
they've gone a couple of times, they'll keep going. That's
you know, is that one hundred percent? Of course, nothing's
one hundred percent. What do you think I am elon
musk or something. No, it's not a one hundred percent okay,
but it's almost everybody. It's it's really very very popular
with folks. What are some of the other things that

(37:05):
people say, you know, those seem to be kind of
the big three. Oh, mom will never do that, Yes
she will, Yes, she will. Let her try, you know,
give it a try, and you will be surprised at
just how much they'll enjoy it. And you say, oh,
but well there's still evenings. Yeah, there's still evenings. Oh
there's the weekend. Yeah, there's still the weekend unless you're

(37:27):
on dialysis or something like that, because the transportation is
is seven days a week. But you run into the
very nicest people working Pace because they're very very good.
They can, you know, think about it like this. If
you're working in a long term care facility, God bless you,
because you have twelve hour shifts. It's overnight. It's terrible, okay,

(37:47):
very very difficult work. If you're working for PACE, it's
a regular shift, it's eight hours, it's five days a week.
They're not open on the weekends except for the drivers.
All right, So you've got people or under much less stress.
And the whole idea here is to engage people. Now
you said, well, oh yeah, well what if eventually they

(38:09):
do need residential care? What if they do need residential care? Oh,
by the way, they also include lighthouse keeping and stuff
like that. You know, during the COVID they were buying groceries.
I don't know if they still do that. But when
it's basically very much focused on what do we have
to do to keep you at home, We're going to
do those things. Okay, But what if you need skilled

(38:34):
care later on? What if you need you have to
have the five percent? What if you have to have
that resident Pace takes care of that too. It's already
taken care of. It's a one stop shop. It's done
for you. Okay, can you tell them a big fan
of Pace? I am a big fan of Pace. If
you have a question about that, drop me an email

(38:55):
David at Davidcarrier Law dot com, or just go to
the website and ask the new ai Davidcarrier dot ai.
Thinking about Bob. It's really cool. You should really check
it out if you want to see what state of
the art looks like. There's a buddy of mine who's
been working on this stuff for years and years, and
this was he said, here, try this. I trained it

(39:17):
on your stuff, and now we have it on the
on the website. It's not legal advice, of course, it's
not legal advice, but it makes navigating the website you
don't even have to like navigate the website anymore. You
just ask it whatever question and there are questions that
are there, you know, the most common questions. You just
you can just click on those and they'll give you your answer,

(39:38):
or you can freeform it. You know, just ask ask
it whatever question you want. Makes it very easy to
sign up for the Three Secrets Workshop. Workshop is how
we start talking about what are the things that are
Once you see it, you can't unsee it. That's what
I would say. Okay, once you see the truth of

(39:58):
how this system actually where, it's very difficult to go
back to the idea of putting your kids on the
deed or on the bank account or something like that.
You wonder how could anyone ever seriously propose doing that
or actually do it? That would be That would be
my takeaway from the Three Secrets, So encourage you to

(40:19):
come to that. Love to see you there. I'm David Carrier,
your family's retirement law specialist because I get to make
up a retirement law means, so I guess I might
as well be a specialist in it. That's what I think.
Thank you for listening.

Speaker 3 (40:44):
You've been listening to the David Carrier Show. A lively
discussion addressing your questions and concerns, but not legal advice.
There is a big difference. So when making decisions that
affect your family, your property, or yourself, the best advice
is to seek good advice specific to your unique mass.
If you missed any of today's show, or would like
additional information about the law offices of David Carrier, please

(41:06):
visit Davidcarrierlaw dot com.