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: Cultural care: New long-term care facility opens in Eskasoni SaltWire CB powered by Cape Breton Post 'Failure of government': Nunavut elder care needs to be brought home, federal minister says - CBC.ca Long-Term Care, Retirement Home and Elder Care Lodge Resources | HKPR District Health Unit Haliburton, Kawartha, Pine Ridge District Health Unit MLA presses government on status of elder-care home work Nunatsiaq News CDC guidance on flu protocol in nursing homes works best, study concludes McKnight's Long-Term Care News MLAs still fighting for Elder care closer to home Nunavut News VIDEO: Biden Wants to Guarentee Affordable Care for Children, Seniors, and the Disabled Cardinal & Pine Whatever Happened to All Those Care Robots? The Atlantic The future of elderly care packages Express Healthcare With dementia rates projected to rise, northerners call for better elder care in Nunavut Nunatsiaq News Elder care lodge gets $2.9M from feds The Brandon Sun Senior care run by robots? Not exactly — yet McKnight's Long-Term Care News Could a robot keep grandma company? UBC IDEA lab experiments with AI for elder care - Ubyssey Online A fire, two deaths and the business of elder care in India Al Jazeera English Ontario Breaks Ground on Long-Term Care Home in First Nation Community Government of Ontario News Perley Health Foundation reaches $10M goal to transform elder care – Ottawa Business Journal Ottawa Business Journal Creating 'centres of excellence' will help improve senior care in hospitals, says health minister CBC.ca FPT Health Ministers’ Meeting Ends In Disappointment With No Immediate Action For Struggling Workers SEIU Healthcare Senior hospitalized with multiple infections suffered neglect in care home, children allege - CBC.ca CTV National News: Raising the alarm on elder care CTV News Barrie Facing Financial Ruin as Costs Soar for Elder Care The New York Times Frailty Coordinator Lauren Jefferson supports seniors in their health care journey Nova Scotia Health Authority Charles E. Smith Life Communities Hosts 14th Annual Sara and Samuel J. Lessans Healthcare Symposium Send2Press Newswire Charles E. Smith Life Communities Hosts 14th Annual Sara and Samuel J. Lessans Healthcare Symposium Bowling Green Daily News Study: Tennessee among worst states for senior care staffing WATE 6 On Your Side Connecting Ontarians to The Tools They Need to Stay Healthy This Respiratory Illness Season | Ontario Newsroom Government of Ontario News The Elderhood Care Team: Bringing medical house-calls to elders - The Seeker Newsmagazine Cornwall The Seeker Retirement and loneliness: 3 tips for seniors to combat sadness during their golden years - Fox News Seniors spend thousands on dental work, suffer in pain or wind up in ERs. Will Canada's plan help? CBC.ca VR can help seniors in nursing homes with mood, memory and loneliness The Washington Post As America ages, there are few doctors who specialize in seniors’ care The Washington Post Mohawk elder-care home project breaks ground The Intelligencer Rock and Roll and Elder Care in “Goldie” The New Yorker Charles E. Smith Life Communities Hosts 14th Annual Sara and Samuel J. Lessans Healthcare Symposium The Hastings Tribune South Dakota offering millions in grants to nursing homes South Dakota News Watch Ontario's response to COVID's long-term-care crisis lacks an 'easy fix,' says elder law lawyer Law Times Charles E. Smith Life Communities Hosts 14th Annual Sara and Samuel J. Lessans Healthcare Symposium Citizentribune Study looks at the overwhelming cost of dementia care in senior homes Meadville Tribune BC's long-term care homes are failing our seniors The Georgia Straight The only long-term care home in Fort St. John, B.C., is failing seniors, family members say - CBC.ca B.C. seniors' care home system criticized CityNews Vancouver Elder care home under construction on Tyendinaga Mohawk Territory Ontario Construction News Mental health of older adults World Health Organization (WHO) Daughter Finds Out Elder Care Facility For Her Parent Wants To Charge $8k A Month. – 'Who's gonna pay that?' Twisted Sifter Paying for Long-Term Care | National Institute on Aging National Institute on Aging The Social Worker: A Compass in the Labyrinth of Senior Care Bonjour Résidences B.C. Seniors Advocate in Courtenay for presentation on elder care Comox Valley Record Asahi Kasei Microdevices Unveils Radar Technology for Car Safety and Elder Care at CES 2024 | 2023 | News | Asahi ... Asahi Kasei Corporation A Modest Foreign Policy Proposal for the Middle Class (and The State Department's Easiest Win): Au Pair for Senior Care Council on Foreign Relations Analysis: Are seniors being pressured into retirement homes by lack of community services? Brighter World Complaint backlog at Conn. nursing homes, hospitals is years long • Rhode Island Current Rhode Island Current A look at Lamont's proposed CT nursing home, elder care reforms The Connecticut Mirror Calgary seniors produce play on mandatory medical assistance in dying to cope with rising health care costs Global News |
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