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Elder Care Information |
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Strategies on Paying for Nursing Home Care and Medicaid
The decision to place your loved one into a nursing home is anextremely difficult decision, often causing much guilt for thecaregiver. It is a very emotional decision for most clients we see andmost are under a certain amount of stress, often great, when facing whatthey consider to be a drastic course of action. I counsel ourcaregiver clients to get beyond the guilt as quickly as they can,because the situation their loved one is in is not the caregiver'sfault. And besides, the longer you remain under this stress, the lesshealthy you eat, or you eat way too much, the less you sleep, and somestart drinking (my own mother started this late at night after she gotmy dad settled in bed for the evening - not healthy to say the least). The stress of caring for a loved one is constant and unrelenting. Itis a physical, mental and emotional grind. On numerous occasions, wehave actually had caregiver clients die before the spouse in the nursinghome. Sometimes, the caregivers die shortly after the nursing homespouse dies. The stress of being a caregiver can be deadly serious,especially for older clients who are caregivers for their spouse. You have to recognize it and develop a plan to deal with it. Get your children involved in developing a plan to deal with yourloved one's incapacity. And remember, plan for the absolute worst casescenario. Get to an attorney who can help you develop a plan to help youwith your particular situation. And this is especially important as soonas you detect any signs of dementia in your parent or spouse, or as soonas you begin to detect physical problems with your loved one. The sooneryou begin the plan, the better off the family will be. NOW, HOW DO WE PAY FOR MAMA'S NURSING HOME CARE? There arereally only three ways to pay for a stay in a nursing home. LONG TERM CARE INSURANCE (LTCI). If Mama was far-sighted enough, shemay have purchased LTCI in the past before she needed it. This would bean excellent source of funds to help defray some or all of Mama's longterm care costs. Unfortunately, very few seniors, those over age 60,have LTCI coverage. SELF PAY. This essentially means that Mama has enough income orfinancial assets to pay her own way in the nursing home. However, manyfamilies don't have the income or the financial asset base to be able topay $4,000 to $7,500 or more a month for a bed for very long in anursing home. MEDICAID. This is a state-administered medical benefit program whichwill pay for the cost of a nursing home stay if three tests are met,i.e., medical need, asset, and income. Medicaid is obviously aneeds-based program, funded partially by state funds, but mostly byfederal funds. Many people are under the mistaken impression thatMEDICARE, which most seniors in this country over age sixty-fiveparticipate in to one degree or another, will cover the cost of theirstay in a nursing home. (c) Copyright 2005 P.L.Fields LLC P.L. Fields is a Medicaid Expert and President of SeniorStrategies, a service that helps seniors save time and money. Tolearn more about the secret strategies and solutions that Medicaidlawyers charge to get clients qualified for Medicaid, while protectingtheir assets, visit: http://www.medicaidsecrets.info
MORE RESOURCES: Ozarks Elder Care Missouri Lawyers Media Barriers and Boosters for Nurses Caring for Seniors Bioengineer.org These are the top nursing homes in Massachusetts, according to Newsweek The Patriot Ledger AWWA announces $100,000 Grant to support Armenian elder care programs in Boston The Armenian Weekly Death of man trapped under bed for hours sparks closure of unlicensed CT elder care facilities CT Insider Newsweek ranks best nursing homes in PA. And these accept Medicare and Medicaid. See list Erie Times-News PESP’s PACE Tracker featured in McKnight’s Home Care Private Equity Stakeholder Project PESP Nursing Homes Settle Allegations with DOJ for $3.61 Million; Proactive Steps to Avoid Trouble I Advance Senior Care Elder Care Questions about trusts, wills, and more News Channel 5 Nashville Why US News & World Report rates Georgia near the bottom of nursing home quality Savannah Morning News Care.com Launches First-Ever Senior Care Advisor Tool, Helping Families Navigate Critical Decisions with Confidence Business Wire The Best Smart Home Devices to Help Aging in Place The New York Times Healthcare support robots assist patients and medical staff in hospitals and care homes Robotics & Automation News Duos Secures $130 Million: AI-Powered Platform to Revolutionize Senior Health Navigation FinancialContent Rochester nursing homes among best in America, experts weigh in with decision-making tips RochesterFirst UMich expands backup care services to students through Bright Horizons partnership The Michigan Daily Rep. Taylor Named to Speakers Task Force on Elder Services Urban Milwaukee Sensi.AI Raises $45M Series C, Extending Its Dominance of Care Intelligence in Vertical AI Newswire.com Five Mississippi nursing homes are among best in the nation. Newsweek ranks best in the US The Clarion-Ledger Provident Healthcare Partners Advises Elder Care Homecare on its Partnership with Rallyday Partners PR Newswire Local partnerships provide health care workforce solutions for Jacksonville | Opinion The Florida Times-Union Rochester facilities shine in Newsweek’s Best Nursing Homes list Rochester Business Journal See the exclusive pitch deck Sensi.AI used to raise $45 million to boost home healthcare for seniors with AI Business Insider Africa Commentary: The monthly tab for her in-home elder care: $18,000. She can cover it, but how many others can? Los Angeles Times This geriatrics training program escaped the ax. For now. Medical Marketing and Media Chinese nursing home under fire for using ‘suggestive dancer’ in medicine drive South China Morning Post Geriatrics (Older Adult Care) University of Michigan Health Duncan embraces new role at Cherokee Elder Care cherokeephoenix.org New tracker finds rapid private equity expansion in elder care Private Equity Stakeholder Project PESP Your Company Needs an Eldercare Policy Harvard Business Review Elder care wng.org Sunset Elder Law brings estate and long-term care planning to Owensboro The Owensboro Times Nursing researcher explores elder care collaboration and study abroad pipelines in Taiwan Purdue University AmeriCorps funding released to Elder Care Services WTXL ABC 27 Tallahassee News UVM program connects teens with older adults in hopes of boosting the elder care workforce Vermont Public Future of some Elder Care Services programs remains uncertain, still waiting for key federal funding WTXL ABC 27 Tallahassee News Elder Abuse: Why Families Should Report Abuse But They Don’t expertclick.com Department of Aging Commonwealth of Pennsylvania (.gov) Trump’s immigration policy shakes up the elder care sector: ‘Losing these caregivers is a profound blow’ EL PAÍS English Elder care taking high-tech turn in Frankfort WLFI News 18 Elder care practitioner Jade Jasken joins Essentia Health St. Mary’s-Detroit Lakes Clinic Essentia Health Elder Care Services waiting for AmeriCorps funds to be released, unsure if programs will continue from July 1 WTXL ABC 27 Tallahassee News Celebrating over 20 years of elder law experience 2822news.com Tips for finding senior care, from a senior care nurse Sanford Health News Emotional needs and service process optimization in combined medical and elder care: A TRIZ approach ScienceDirect.com As the eldercare crisis escalates, families seek help from these coaches and consultants MarketWatch Nursing home and elder-care residents could be hit hard by potential Medicaid cuts The Washington Post AI Companions Redefine Elder Care: 3 Ways They Fight Loneliness, Boost Safety And Scale Support Forbes LA Times Today: The monthly tab for her in-home elder care: $18,000. She can cover it, but how many others can? Los Angeles Times Senior Care Authority Expands Executive Team With Key Hires 1851 Franchise Take care: An expert Q-and-A on elder care in New Mexico Source New Mexico Summer heat, lack of federal funds affecting Elder Care Services food pantry Tallahassee Democrat Elder care operators settle with DA’s offices over inadequate staffing, background checks Local News Matters AWWA launches 2025 Armenian elder care grant program The Armenian Weekly Unravelling the combination of medical and elderly care in China: a comprehensive policy analysis Nature Inside the astronomical cost of elder care in California Spectrum News Elder care operators settle with DA offices over inadequate staffing, background checks Stocktonia News Program of All-Inclusive Care for the Elderly (PACE) Louisiana Department of Health (.gov) Roxana Ortega gets real about elder care in debut play, ‘Am I Roxie?’ Los Angeles Times Understanding Elder Care: Levels of Care and Care Options HONOLULU Magazine A Daughter’s Cautionary Elder Care Tale The Progressive MHA grad rewrites policy to benefit elder care University of Southern California A Model for Elder Care? Supported Housing Offers Some Hope for the Future Center for Retirement Research Legislation Being Advanced for Elder Care and Protection Jamaica Information Service |
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