When using the services of a referral agent, ask about their background and experience.  The laws of your state (like California) may not require ANY educational background or experience to act as a referral agent.  Additionally no state license or exam may be required.  When you are dealing with a crisis, such as a catastrophic health care event occurring to a loved one, it is at this point that the most undereducated and untrained people may be assisting you in making very critical decisions.  This is further compounded by the fact that it is often the seniors most trusted advisor (their doctor, nurse, attorney, case manager, or others) that refers the family to the referral agent.  This can give you a false sense of security in thinking that the referral agency is acting knowledgeably, diligently and on the seniors behalf.  Notwithstanding my comments, there are many very good, knowledgeable, and reputable referral agents that do an excellent job for families.  Do your research.  For more information on referral agencies, please contact Stuart Furman, Esq. at 877-820-3335 or via email at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .