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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: Elder care in every Nunavut community more efficient than centralized facilities: Iqaluit Elders Society Penticton Herald Elliot Lake seniors get new transportation option for healthcare access ElliotLakeToday.com St. Vincent’s Nursing Home votes to strike Canadian Union of Public Employees Platforms report increased spending on products for seniors as China celebrates Chongyang Festival Global Times The Coming Elder Care Challenge: More People Are Beginning To Notice Center for Retirement Research When Caregiving Makes Women Ill The New York Times What can advisors do to help clients managing elder care, childcare costs Wealth Professional Canada Council awards car park site to Indigenous aged care provider for $1 fee Australian Broadcasting Corporation Elder Law Guys: Fighting against Alzheimer’s, Parkinson’s and traumatic brain injuries Pittsburgh Post-Gazette Mental health of older adults World Health Organization (WHO) Sunshine Coast elder care project uses art to ask who cares Coast Reporter Anne Enright: ‘I’m in a lull. I’m trying to recalibrate after a long decade of elder care’ The Irish Times Elder Services of Berkshire County braces for funding cuts as state looks to fill health care gaps The Berkshire Eagle Innovative Nutrition Strategies for Dysphagia in Seniors Bioengineer.org Heart of Health: Linda Armstrong’s passion for geriatric nursing care Nova Scotia Health Assessing Quality of Life for Seniors in Care Bioengineer.org How Japan's 'Macho Caregivers' Are Revolutionizing Elder Care Tokyo Weekender Ontario Taking Action to Support Seniors and their Caregivers Ontario Newsroom When a 91-year-old renter in Toronto is evicted with nowhere else to go, our governments have failed completely Toronto Star Senior Living Market Size & Share | Industry Report, 2033 Grand View Research Nova Scotia Health’s Dignity of Risk Program leading change in caring for older adults living with frailty and dementia Nova Scotia Health LETTER: Elder care a looming crisis for Oak Bay Oak Bay News Why seniors’ care should have been on the election agenda The Conversation Ontario Expanding Access to Community Long-Term Care Services Ontario Newsroom Police investigate suspicious death in Abbotsford senior care home CityNews Vancouver Commentary: The monthly tab for her in-home elder care: $18,000. She can cover it, but how many others can? Los Angeles Times Visionaries Unite: How the West Coast Conference on Aging is Rewriting the Future of Senior Care The Daily Scan Elderly care: The visible and invisible International Labour Organization AI Companions Redefine Elder Care: 3 Ways They Fight Loneliness, Boost Safety And Scale Support Forbes New tracker finds rapid private equity expansion in elder care Private Equity Stakeholder Project PESP NTI Invests in Community Facilities for Elder Care Nunavut Tunngavik Inc. Abramson Senior Care merges into Jewish Family and Children's Services The Business Journals Theresa Payton: AI Layoffs, Robots Providing Elder Care WBT Charlotte's News Talk BPK student research looks to history to find a way forward for Indigenous elder care Simon Fraser University Youth employment and elder care: a dual challenge in Morocco | AFD AFD - Agence Française de Développement Extended Family Home Care Continues Dedication to Offering Trusted Elder Home Care in Denver, CO. openPR.com Stepping towards better health: Early Mobility team wins Nova Scotia Health Quality Award Nova Scotia Health San Joaquin County area’s best nursing homes ranked by Newsweek. See the full California list The Stockton Record Emotional needs and service process optimization in combined medical and elder care: A TRIZ approach ScienceDirect.com Leon County seniors at risk as deadline for SNAP benefits funding approaches WTXL ABC 27 Tallahassee News Also in the News for Tuesday, Oct. 28 McKnight's Long-Term Care News Your Company Needs an Eldercare Policy Harvard Business Review Funds targeted to boost spending on aged care The Australian ‘What they wanted to see’: Rankin Inlet elder facility to welcome 22 residents in April Nunatsiaq News From Mom-Care to Action: Identifying the Crises in Eldercare Minnesota Women's Press View from the Trenches: Interview with Daniel Haimowitz, MD, FACP, CMD I Advance Senior Care ADB urges inclusive long-term elder care framework in Bangladesh United News of Bangladesh Felicity Palmateer rides a wave for dementia research as Wipeout Dementia marks 10 years Aged Care Guide Winnipeg care home garners North American award Winnipeg Free Press '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 Aging, Disability & Veterans Services Multnomah County Legendary Smart Tech for Caregivers Boosts Senior Independence Delaware LIVE News Elderly patients can deteriorate hourly in the ER. This team works against the clock to get them out CBC Senior Living Expert Matt Clinton of Sun Terrace Hermiston Shares Expertise on What Are the Best Ways to Pay for Senior Living in HelloNation The Manila Times Singapore's super-aged era: Redefining elder care The Straits Times Recreation therapy associates at the heart of the Early Mobility Program at St. Martha’s Regional Hospital in Antigonish Nova Scotia Health Unravelling the combination of medical and elderly care in China: a comprehensive policy analysis Nature Older people share their Nov 1 anxieties Aged Care Insite Nursing home death now investigated as murder CityNews Vancouver Williams finds her niche at Elder Law State-Journal |
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