I just learned of this benefit a few weeks ago. A local radio station is running an ad. They will send you all the forms and they say they look over the application, but if you have any questions there's a charge of $300. The application is overwhelming, but I don't want to make any mistakes and then delay the process. I told this person that my mother has dementia, yet he mentioned nothing about the appointing of a Fiduciary. I think it's against the law for them to file the first set of papers and charge, but they can charge after a denial, which would happen without appointing the Fiduciary. I need to expedite, so don't want to make any mistakes. Any advice?