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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: Can Montana Elder Care Survive the Montana Legislature? Flathead Beacon The financial realities of elder care & long-term care insurance Church Executive Magazine New Jersey Man and Company Operating Nursing Homes and ... Department of Justice GAO: CMS Nursing Home Ownership Information Lacks Transparency RevCycleIntelligence.com Inside Japan’s long experiment in automating elder care MIT Technology Review Eldest sibling worries about elder care The Boston Globe When to Consider Moving to a Senior Care Facility U.S. News & World Report Does Medicare Cover Physical Therapy? ElderLawAnswers.com Innovative champion and cardiologist Dr. Kenneth Johnson dies at 97 Becker's Hospital Review Capasso named Health Dimensions Group senior care executive ... McKnight's Long-Term Care News What Is Memory Care, and What Are Its Benefits? ElderLawAnswers.com InnovAge, Denver elder-care provider cut off by Medicare, can now accept new PACE clients The Denver Post Opinion: Athena nursing homes address workforce shortage The Connecticut Mirror Virtual reality-based therapies now covered by insurance for some ... McKnight's Senior Living As Long-Term Care Staffing Crisis Worsens, Immigrants Can Bridge the Gaps Kaiser Health News CMS Assessing Schizophrenia Coding, Publicly Displaying ... HealthLeaders Media Rural nursing home workers demand better working conditions WKBW 7 News Buffalo Flurry of Medicare Advantage regulation likely to hit nursing home ... McKnight's Long-Term Care News Creating estate plans from start to finish willamette.edu Genesis Healthcare, after years of shrinking, is adding nursing homes again in Pennsylvania The Philadelphia Inquirer Riverside nursing home staffer charged with stealing checks from ... Foster's Daily Democrat Texas, Nebraska Led Nation in Nursing Home Closures in 2022 Skilled Nursing News Bright Horizons Family Solutions Announces Date of Fourth Quarter ... InvestorsObserver Senior care providers urge Montana lawmakers to boost Medicaid ... Montana Free Press Glenn Youngkin | Governor.Virginia.gov Virginia Governor Ralph Northam - Proclamation Nursing Homes Beat Siloed Care, Reduce Hospitalizations with ... Skilled Nursing News Unexpected Medicaid increase saves 146-year-old nursing home ... McKnight's Long-Term Care News Older LGBTQ adults face unique challenges in giving and receiving ... American Heart Association News Speciality care use falls after nursing home admission: report - McKnight's Long-Term Care News Is AI the future of elder care? The Jerusalem Post Zimbabwean pastors flee ministry to join more lucrative care work in ... Baptist News Global The Debate Over the Future of Witherell Greenwich Sentinel As latest Pappas development moves forward in DeKalb, what's next ... Shaw Local News Network Calendar for Jan. 28 Examiner Enterprise The 10 Best Jamaican Resorts Forbes Families will likely have to help more as caregivers Spectrum News 1 Family Council for residents of Crestpark Nursing Home to hold ... Stuttgart Daily Leader Heather Brooks collecting items for Willard nursing home fire victims Port Clinton News Herald Rehab benefits nursing home residents ill with COVID, study finds - - McKnight's Long-Term Care News Rehab benefits nursing home residents ill with COVID, study finds - McKnight's Long-Term Care News Nursing home neglect and elder abuse lawsuit claim review Top Class Actions South Jersey nurse honored for excellence The Sun Newspapers How Digital Health Technology Can Combat Elderly Abuse HIT Consultant NY nursing homes go months without elder care oversight visit The Journal News The role of immigrants in the market for elder care Brookings Institution Britain’s Hard Lessons From Handing Elder Care Over to Private Equity Kaiser Health News Trilogy Health breaks ground on elder care center in Lancaster Lancaster Eagle Gazette Montana’s elder care system is broken Explore Big Sky Elder Care Services in need of heater donations for the elderly WTXL ABC 27 Tallahassee News |
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