“If you are reading this, I am sorry for all you have gone through. I was in a similar situation in 2018 and 2019. One of the few bright lights I encountered during this difficult time was the advice and services I received from Jonathan and Michael of Longevity Income Solutions. I had been taking care of my aunt and uncle for several years when they became ill. They lived in a retirement community with an attached rehabilitation center. They were both elderly, had medical issues and could no longer stay in their home. The doctors recommended a community/structured environment, but it was expensive. However, the real expenses began when both needed 24-hour live-in caregivers. My uncle passed away in 2018. My aunt remained in her apartment with severe stage of Alzheimers, was on hospice for a couple of years, and required 24-hour care. She was 90 years old, ill, and unable to care for herself at the time her husband passed away.
I learned of Jonathan Miller of Longevity Income Solutions in approximately June or July of 2018 when he and Michael visited the retirement community in which my aunt lived. I was running out of my aunt’s and uncle’s money quickly due primarily to the expenses of the apartment rent and caregivers, neither of which I regret. I had the best caregivers that I can imagine and am grateful to them to this day.
Jonathan Miller offered potential solutions that I was not aware were available. I think that his company, Longevity, is the only company in the country that offers creative solutions for elderly and ill people, that can really help. The other remarkable thing about Jonathan and Michael is that they really care. They would not, and did not, offer a product that was not beneficial to my aunt. They are not there to just sell their product. I felt then, and feel now, that they will only sell a product if it is beneficial to the client.
In my case, I filled out the application with their representative in Chicago, provided a copy of my aunt’s will/revocable trust, and any financials they needed. The goal was to pay a lump sum to Longevity, and it would provide my aunt with a regular stream of income for the rest of her life. What they are really selling, in my opinion, is piece of mind. However, they recognize that if your loved one is likely to die shortly after the benefits start paying, their product might not be right for you. In my case, Jonathan and Michael considered my aunt’s assets, her disease, her age, statistics on her life span, among other things, and decided that their product was not right for my aunt. They did not think their product was economically feasible for her, and they put her interests above their own interests. Had I known of them and of Longevity earlier in the disease process, I believe their product would have been right for my aunt, and would have significantly stretched the funds available for her care.
It turned out that Jonathan and Michael were correct. My aunt passed away in February, 2019, just as I was bracing to apply for Medicaid. They clearly placed her interests above their own. I believe in their product, and I believe in them.
My suggestion is that if your loved one is aged and ill, and even if you think your loved one has sufficient funds (it goes really fast with caregivers), start looking at the beginning of the illness for economic solutions. I believe Longevity Income Solutions is a good solution, and probably the only one of its kind in this country. I wish I had known of them earlier. I hope that this letter helps someone in need to make a good decision.
As to Jonathan Miller, he still contacts me every few months to see how my sister and I are doing, even though our aunt passed away over a year ago. I do think Jonathan and Michael are good people, and that you can trust them to advise you as to what is best for your loved one. They did for me.”