Keystone Law Firm - September 2018




Inside-Out Grilled Ham and Cheese

When it comes to paying for long-term or hospice care expenses, many people are unaware of the payment methods used most often.

• Self-pay: If you’ve saved up enough money to pay for the care you’ll need in your later years, that is fantastic. However, with the annual cost of home care hovering around $100,000 or more, you’ll have to do a lot of initial planning to ensure your savings can cover these costs without running out too early. • Long-term care insurance: Just as it is with any other kind of insurance, long-term care insurance requires that you apply and be accepted before you can have access to it. For this reason, our team recommends that you start the application process early. We also recommend you look for a policy that has fixed premiums and gives your beneficiaries any money you don’t use. We are available to counsel you on which policy might work best. • Public benefits: The planning process to receive public benefits like Medicaid requires a lot of foresight. Similar to the application and acceptance process for insurance, our team can help you determine your eligibility for this payment option. One tendency that our team has noticed over the years is people shying away from the last payment option because they do not think they will be eligible for public benefits. We understand that every person’s assets and financial situation is different and that in the vast majority of cases, our clients have worked assiduously to build a life for themselves and for their families to prepare for the future. But some topics (like long-term or hospice care) are so difficult to talk about that proper planning often falls by the wayside. Plus, it’s hard to know who will give you the best care at a reasonable price. The average cost in the Phoenix area in 2017 for a private room was $8,319! At that cost and with the average length of stay, it could drain $299,484 from your savings. To determine which of the three payment options would suit your financial situation best, please contact our team so we can determine whether or not you are eligible for public benefits or which insurance plan will help you and your family the most.

Want to take your grilled cheese game to the next

level? This recipe calls for cheese both inside and outside the sandwich, adding a crispy crunch to

the grilled cheese experience. It’s a quick, delicious weekday dinner option the whole family will love.


8 slices of bread (Pullman works best) 4 tablespoons unsalted butter, room temperature 1/2 cup freshly grated Parmesan cheese (preferably Parmigiano- Reggiano)

8 ounces ham, thinly sliced 1/2 pound Swiss cheese, sliced 2 tablespoons Dijon mustard 1/4 cup apricot preserves


1. Butter each slice of bread on the outsides and sprinkle with Parmesan. 2. Layer ham and cheese evenly on top of 4 slices of bread. 3. Spread apricot preserves and mustard across the other 4 slices. Press sandwiches together. 4. In a cast-iron skillet or large sauté pan over medium heat, grill sandwiches until golden, about 3 minutes per side. 5. Cut in half and serve.

Inspired by Food & Wine magazine.


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