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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: Visionaries Unite: How the West Coast Conference on Aging is Rewriting the Future of Senior Care The Daily Scan When a 91-year-old renter in Toronto is evicted with nowhere else to go, our governments have failed completely Toronto Star Cabinet touts NT$290bn elder-care tech program Taipei Times Greek Elder Care Network Hosts Book Club Session on Repacking for Greece The National Herald Eldercare U.S. Customs and Border Protection (.gov) Applying Psychology in Elder Care: A Personal Reflection British Psychological Society Nova Scotia Health’s Dignity of Risk Program leading change in caring for older adults living with frailty and dementia Nova Scotia Health Alumni Impact Series: Kevin Ye – Shaping the Future of Elder Care through Entrepreneurship University of Waterloo NTI Invests in Community Facilities for Elder Care Nunavut Tunngavik Inc. Cardinal Senior Care Provides Trusted Elder Home Care Assistance in San Antonio, TX The Globe and Mail ‘What they wanted to see’: Rankin Inlet elder facility to welcome 22 residents in April Nunatsiaq News Canada’s aging crisis and a call for reform in eldercare The Hill Times Mark Yaffe: Pioneering Excellence in Elder and Mental Health Care McGill University 'Don't open another bed': St. John’s doctor says there's a better way to keep seniors out of long-term care PNI Atlantic News Ontario Supporting Seniors and Their Caregivers Ontario Newsroom AI Companions Redefine Elder Care: 3 Ways They Fight Loneliness, Boost Safety And Scale Support Forbes BPK student research looks to history to find a way forward for Indigenous elder care Simon Fraser University Your Company Needs an Eldercare Policy Harvard Business Review Rescue work continues at site of impact near elder care facility in central Israel The Times of Israel Anglican elder care specialist and advocate named to Order of Canada The Anglican Journal Video: How the Immigration Crackdown Threatens Elderly Care The New York Times Emotional needs and service process optimization in combined medical and elder care: A TRIZ approach ScienceDirect.com B.C. government close-lipped on watchdog report that finds seniors care is worsening - Vancouver Sun Stepping towards better health: Early Mobility team wins Nova Scotia Health Quality Award Nova Scotia Health Elderly patients can deteriorate hourly in the ER. This team works against the clock to get them out CBC Asking Eric: Wheelchair user gets no sympathy from caregiver Longmont Times-Call Initiative to address women’s care load in Africa expands with two new projects | IDRC IDRC - International Development Research Centre Bay of Quinte Mohawks donate $60K each to Elder Care Home project, Belleville General Hospital Foundation Kingstonist News The opportunity to innovate in senior housing McKinsey & Company AI Nose technology advances in elder care scent detection By Investing.com Investing.com Canada Support for Seniors and Caregivers Act Ontario Newsroom Geriatrics Sinai Health How companies can ease the strain on employees taking care of elderly parents or ill family members CNN Bonjour Résidences at the SMASH Conference in Las Vegas: Technological Innovations for Senior Care Bonjour Résidences A Model for Elder Care? Supported Housing Offers Some Hope for the Future Center for Retirement Research Should we subsidize elder care more? Stockholms universitet AI And Robotics: Shaping The Future Of Elder Care And Assistance Quantum Zeitgeist Ageing India needs to invest up to Rs 72k cr over five years in caring for its seniors The Economic Times Seniors Helping Seniors® In-Home Care Services Expands to Georgia’s Mid-South Region Franchising.com WHO calls for urgent transformation of care and support systems for older people World Health Organization (WHO) Nursing home and elder-care residents could be hit hard by potential Medicaid cuts The Washington Post Research Groundbreakers: Dr. Roxanne Weiss Is Advancing Elder Care and Delirium Prevention The University of Utah Digitalization for Improving Elder Care Asian Development Bank Gary Horton | California Corporatizes Senior Care Santa Clarita Valley Signal New long-term care home coming to Squamish BC Gov News Increasing Women's Workforce Participation in Mexico requires support for Child and Elder Care World Bank Blogs About the new rights-based Aged Care Act health.gov.au |
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