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: Cracks in home care need filling NB Media Co-op Cree family worries about 97-year-old elder, needing long-term care far from home and culture CBC.ca Canada’s aging crisis and a call for reform in eldercare The Hill Times Ombudsmen and advocates join fight over nursing home staffing levels Iowa Capital Dispatch Nursing home staffing rule in limbo as Trump 2.0 approaches The Union Leader Anglican elder care specialist and advocate named to Order of Canada Anglican Journal All-inclusive elder care for aging at home: This nursing home alternative is on the rise The Laconia Daily Sun Older adults and population aging statistics Statistique Canada CUPE endorses report on B.C. long-term care, urges other provinces to take note Canadian Union of Public Employees Abuse of older people World Health Organization Rustad unveils plans for seniors’ care Prince George Daily News New business offers families ‘Peace of Mind’ with elder care The Turlock Journal MLA presses government on status of elder-care home work Nunatsiaq News 'Failure of government': Nunavut elder care needs to be brought home, federal minister says - CBC.ca Norbert Health and Lumina Care Announce Strategic Partnership to Transform Elder Care through AI Technology Business Wire How to Get Medicaid to Pay for Nursing Home Care U.S. News & World Report Nursing Home Industry Wants Trump to Rescind Staffing Mandate The New York Times Quebec is 'one minute to midnight before a collapse of the elder-care system,' provider says Montreal Gazette With dementia rates projected to rise, northerners call for better elder care in Nunavut Nunatsiaq News Perk of the Week: Employee Assistance Program (EAP) Northeastern University Nursing Home Industry Wants Trump to Rescind Staffing Mandate HealthLeaders Media More New Long-Term Care Rooms Open in Mahone Bay Government of Nova Scotia Bonjour Résidences at the SMASH Conference in Las Vegas: Technological Innovations for Senior Care Bonjour Résidences Canadian grad's elder care app wins Apple's Swift Student Challenge, earns Tim Cook's praise MobileSyrup At Cozy Corner, DeKalb seniors gather for fun, relaxation Shaw Local News Network Assisted Living Technology Panasonic Older solo adults rely on others for help Grand Junction Daily Sentinel Abuse charges against four eldercare workers underscore gaps in state oversight New Mexico In Depth Automation Solutions for an Aging Society: The Future of Elder Care A3 Association for Advancing Automation Elder Care Graduates in Hot Demand in China Sixth Tone Seniors at Tendercare long-term-care home receiving ‘dehumanizing’ treatment, relatives say Toronto Star B.C. judge orders $1.2 million home returned to victim in shocking case of elder abuse Vancouver Sun Opinion | Alzheimer’s Can Be a World of Endless Second Chances The New York Times Ageing and health World Health Organization Can Harris’s proposed ‘at-home Medicare’ end the dreaded ‘spend down’ of senior assets? The Guardian Georgia State University, A.G. Rhodes Launch Innovative Elder Care Partnership Georgia State University News Sunnybrook Leads the Way: First Canadian Hospital to Achieve Age-Friendly Health System Status Sunnybrook Hospital Is India’s senior care sector ready to take off? ASLI Ageing Fest to address this The Times of India 'She was evil': Former B.C. care aide sentenced for stealing from seniors CTV News Vancouver Opportunities and challenges of integrating artificial intelligence in China's elderly care services Nature.com Seniors Housing Operating Performance Cushman & Wakefield Ontario Building New Hospital in Moosonee Government of Ontario News Aging population drives New York’s Long-Term Medicaid Care spending WETM - MyTwinTiers.com Most of us are anxious about aged care. Here’s how to change that Sydney Morning Herald Wisconsin will need almost 10K more elder care workers to keep up with aging baby boomers Wisconsin Public Radio News Festus nursing home loses Medicare and Medicaid funding KTVI Fox 2 St. Louis When Elder Care Is All in the Stepfamily The New York Times Simpson Residents Prove Impact Has No Age Limit: Celebrating Visionary Women Making a Difference Send2Press Newswire End-of-year CEO Q&As: Russell Egan – Superior Care Group Inside Ageing Could a robot keep grandma company? UBC IDEA lab experiments with AI for elder care - Ubyssey Online Nursing home industry wants Trump to rescind staffing mandate St. Louis Post-Dispatch Nursing home resident advocates warn of growing crisis as Festus Manor closes Leader Publications Deducting Long-Term Care Insurance Premiums in 2025 ElderLawAnswers.com Ileana Garcia bill would guarantee nursing home patients the right to record their rooms Florida Politics Attend the Hokie Wellness Elder Care Symposium Virginia Tech One stop for senior care Warren Tribune Chronicle Transforming Elderly Care with AI and Radar – Insights from Cherish Health CEO Sumit Nagpal Alvarez & Marsal Green Houses: A communal approach to elder care Association of Health Care Journalists Long-Term Care, Retirement Home and Elder Care Lodge Resources Haliburton, Kawartha, Pine Ridge District Health Unit Forgotten elders The Sun Nigeria How Senior Care Staff Are Using Tech to Attract and Retain Staff HealthTech Magazine |
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