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Elder Care Information |
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Long Term In-home Care Options
Are you worried that you may lose all your life's earnings and nest egg due to the rising costs of in-home long term care? As you get older do you have the necessary finances to protect yourself from going broke while slightly incapacitated? Many seniors are worried about are worried about the costs of long-term health care. Are you worried that if something happens to you, that you may run out of money and burn thru their reserves and all your nest egg. Even be forced to sell your paid for home to survive? The costs for long-term in home care are rising, just like the current costs in health care. The average nursing home stay is 2.5 to 5 years of care with a cost of $135.00 per day. At that rate it will not take log to burn thru piles of cash. This is a concern of seniors and rightfully so. It is very important to have long-term care insurance in order to protect your assets and give you peace of mind. You need the assurance of quality care, choice and control over receipt of care. As we get older we do not wish to burden our offspring to come take care of us as they have their own family obligations; so we will want to avoid dependence and it might be nice to receive some tax advantages too. Paying for Long-Term Care requires some strategic planning; either thru family pact to take care of you or long term care insurance. Nothing is not guaranteed and do not expect the government to foot the bill. You see medicare is great but this program may pay for skilled nursing facility care for a very short period of time - but no longer than 100 days and only when you meet all the Medicare requirements for daily skilled care. If you live in California there is Medi-Cal, but this program, called Medicaid outside California, may pay for skilled, rehabilitation and custodial care that is not covered by Medicare, but only if you first "spend-down" assets to federal and state legal impoverishment level guidelines. Can you pay for your care thru personal or family assets without selling your home? Most people provide for long-term care expenses from personal or family income, assets and resources. Your more strategic choice for Long-Term Care may involve having an insurance program. Specially designed programs to pay for long-term health care expenses are viable option. HIPAA defines Federal tax treatment of insurance policies that provide long-term care coverage. Policies that meet certain criteria are designated as "qualified long-term care insurance" and will receive certain tax incentives: the cost of coverage may be deductible and long term care benefits received will not be reported as taxable income. Please consult your tax advisor for information about your personal situation. Play it safe and know your options regarding long-term health care and know protect your assets. Think on this. "Lance Winslow" - If you have innovative thoughts and unique perspectives, come think with Lance; www.WorldThinkTank.net/wttbbs
MORE RESOURCES: Free Dementia Care Resources at Local Libraries ElderLawAnswers Delaware County Office of Services for the Aging Delaware County (.gov) Bill proposing changes to MaineCare reimbursements for nursing homes faces industry pushback newscentermaine.com Four generations live under one roof — and it's helping this family afford both childcare and elder care Business Insider More regulation of assisted living in Massachusetts may be on the way Fifty Plus Advocate One Senior Place: Are there resources for solo seniors? Florida Today Caregivers in region with Canada's oldest demographic call for more respite, seniors care Yahoo News Canada Elder Care Reforms, Advances and Call to Action: AgingIN’s Elevate Eldercare Podcast Tackles Long-Term Care Challenges Temple Daily Telegram As Medicaid Falls Short for Nursing Homes, Some Providers Turn to Integration Over Selling or Closing Skilled Nursing News Dear Abby: Sisters-in-law just stuffed mom into an elder care facility without consulting us Syracuse.com Madden: Innovation can’t replace human connection Boston Herald Barriers to Care Continuity in Urban China’s Volunteer Services BIOENGINEER.ORG What We Know So Far About the New Medicaid Work Requirements ElderLawAnswers Community Resources Henry County (.gov) Empowering Self-Direction in Nursing Homes: SOCAV Study BIOENGINEER.ORG Windsor Locks nursing home where 93-year-old died previously fined $78K for violations, records show CT Insider Opinion: The eldercare crisis is about to get much worse as millions more Americans turn 85 MarketWatch The Coming Elder Care Challenge: More People Are Beginning to Notice Center for Retirement Research How to avoid the ‘ick’ factor when choosing a nursing home or assisted living facility Washington Times Hidebound scholars harm long-term care McKnight's Long-Term Care News Safe Haven plants seeds of purposeful elder care Jamaica Gleaner Provident Healthcare Partners Advises Elder Care Homecare on its Partnership with Rallyday Partners PR Newswire SeniorCare: Prescription Drug Assistance Program Wisconsin Department of Health Services (.gov) Trump administration's ending of TPS for Haitians accelerates staffing crunch in elder care marketplace.org Deal for WNY nursing home collapses after three-year process The Business Journals Aspiring Elder Care Physician, Advocate Wins Urann Fellowship The University of Texas at Dallas Peggy's Home Care Reaffirms Position as Leading Provider of 24 Hour Home Care in Aptos, CA openPR.com Senior & Elder Care Planning Rochester Business Journal Requiring Adult Children to Pay for Aging Parents' Care ElderLawAnswers Division of Aging Assistance North Carolina Department of Health and Human Services (.gov) Transition Dynamics in Older Adults Receiving Home Care BIOENGINEER.ORG Immigration and Caregiving: Who Will Care for Aging Boomers? Center for Retirement Research Commentary: The monthly tab for her in-home elder care: $18,000. She can cover it, but how many others can? Los Angeles Times 'Wild west' of elder care: CT advocates point to overlapping oversight, underfunded agencies CT Insider Share your elder care experience with The Post The Washington Post Raise a stein to the 27th Elder Care Oktoberfest this weekend Tallahassee Democrat Death of man trapped under bed for hours sparks closure of unlicensed CT elder care facilities CT Insider At elder care facility where two were left behind in Eaton Fire evacuation, residents demand change LAist As Elder Care Needs Grow, What’s Your Organization’s Plan? NEJM Catalyst Innovations in Care Delivery ‘Existential crisis’: Nursing homes, elder care to suffer under so-called ‘One Big Beautiful Bill’ Mississippi Today Trump’s Immigration Crackdown Hits Senior Care Work Force The New York Times Nursing researcher explores elder care collaboration and study abroad pipelines in Taiwan Purdue University Aging Event Highlights Ways to Improve Senior Care Worldwide Center for Retirement Research Cooperative Home Care Remains Oakville's Most Trusted Choice for Professional Home Care Services openPR.com Senior & Disability Services City of Oakland (.gov) New tracker finds rapid private equity expansion in elder care Private Equity Stakeholder Project PESP Your Company Needs an Eldercare Policy Harvard Business Review Summer heat, lack of federal funds affecting Elder Care Services food pantry Tallahassee Democrat Aging and Disability Resource Centers (ADRCs) Wisconsin Department of Health Services (.gov) Ageing and health World Health Organization (WHO) Why So Many Seniors Can’t Afford Long-Term Care Time Magazine Elder Care Resources Henry County (.gov) Duncan embraces new role at Cherokee Elder Care cherokeephoenix.org Adult Protective Services Commonwealth of Pennsylvania (.gov) DHA alumni Kern Kumar Elder Care Advocacy The Medical University of South Carolina This start-up is transforming elder care in Hong Kong The World Economic Forum Future of some Elder Care Services programs remains uncertain, still waiting for key federal funding WTXL ABC 27 Tallahassee News Trump’s immigration policy shakes up the elder care sector: ‘Losing these caregivers is a profound blow’ EL PAÍS English Elder Care Resources Henry County (.gov) Nursing home and elder-care residents could be hit hard by potential Medicaid cuts The Washington Post |
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