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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: 'Failure of government': Nunavut elder care needs to be brought home, federal minister says - CBC.ca Kamala Harris vows to revive Biden’s defeated ‘care economy’ plans The Washington Post MLA presses government on status of elder-care home work Nunatsiaq News Quebec is 'one minute to midnight before a collapse of the elder-care system,' provider says Montreal Gazette Abuse of older people World Health Organization (WHO) Considerations When Offering Senior Care Dining Times i Advance Senior Care Seniors' podcast aims to ease loneliness by sharing inspiring stories from nursing home residents ABC News Home-based dementia day care service seeks hosts Yahoo Canada Shine On Long-Term Care, Retirement Home and Elder Care Lodge Resources Haliburton, Kawartha, Pine Ridge District Health Unit With dementia rates projected to rise, northerners call for better elder care in Nunavut Nunatsiaq News Suspected gunman in Croatia nursing home killings charged on 11 counts, including murder Yahoo News Canada Norbert Health and Lumina Care Announce Strategic Partnership to Transform Elder Care through AI Technology Business Wire Eskasoni, Province Celebrate Opening of New Long-Term Care Home Government of Nova Scotia Suspect detained in Croatia after ‘savage’ shooting at senior’s home kills 6 South China Morning Post Senior and Older Adult Resources Cash Advance Payday Loans Hamilton Meet Lorraine Breuer, 2024 Hall of Honor inductee McKnight's Long-Term Care News A fire, two deaths and the business of elder care in India Al Jazeera English Canadian grad's elder care app wins Apple's Swift Student Challenge, earns Tim Cook's praise MobileSyrup Seniors Recreation & Things to Do City of Toronto Croatia: Several dead in nursing home attack DW (English) Kenora site chosen for new Wiigwas care home NWONewsWatch.com Could a robot keep grandma company? UBC IDEA lab experiments with AI for elder care - Ubyssey Online Whatever Happened to All Those Care Robots? The Atlantic Automation Solutions for an Aging Society: The Future of Elder Care A3 Association for Advancing Automation Older people’s risk of abuse is rising. Can an ad campaign protect them? The Conversation Indonesia When Families Fight Over a Relative With Dementia, It’s Time to Call in the Mediator The New York Times Sponsored: Winnipeg’s home-style elder care cottages Winnipeg Free Press Creating 'centres of excellence' will help improve senior care in hospitals, says health minister CBC.ca A gunman has killed 6 people including his mother at a nursing home in Croatia, officials say The Associated Press Health System News Transforming Elderly Care with the Hospital Elder Life Program Ontario Hospital Association Perley Health Foundation reaches $10M goal to transform elder care Ottawa Business Journal Alyssa Renk: State must do something to support elder care Winona Daily News Global Elder Care Services and Assistive Devices Market Forecasted to Reach $1.1 Trillion by 2028 Yahoo Finance Opportunities and challenges of integrating artificial intelligence in China's elderly care services Nature.com Ontario Building New Hospital in Moosonee Government of Ontario News Elderly Care Market To Reach USD 1,902.7 Billion By 2032 Report By DataHorizzon Research GlobeNewswire Palliative Care Bereavement Program - Central Zone Nova Scotia Health Authority Frailty Coordinator Lauren Jefferson supports seniors in their health care journey Nova Scotia Health Authority Hiring An Elder Law Attorney Forbes FPT Health Ministers’ Meeting Ends In Disappointment With No Immediate Action For Struggling Workers SEIU Healthcare Ontario Celebrates Opening of Long-Term Care Home in Long Sault Government of Ontario News Australia looks to digital strategies for better elder care BioWorld Online CTV National News: Raising the alarm on elder care CTV News Windsor Personal Conflicts, Even Violence, Are Not Uncommon in Long-Term Care The New York Times Council of Seniors appoints new Executive Director CKPGToday.ca Facing Financial Ruin as Costs Soar for Elder Care The New York Times |
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