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December 2014 Archives

8 Nights of Medicaid Planning, part 4

After a brief holiday break, we are back to the 8 Nights of Medicaid Planning. Last time, we talked about quality of care. Today's topic is family financial responsibility for long term care and final expenses. There is a common belief out there that if an individual cannot pay for their long term care, that their family will have to foot the bill. This is a common reason that individuals who this that they will need long term care want to spend their own money. This cannot be farther from the truth. First off, children are NEVER legally obligated to pay for their parent's care. The only time that a child would be on the hook for parental care is if they entered into some sort of contract with the facility. Spouses can be responsible for long term care expenses. So often one spouse will see all of their retirement and life savings be funneled away to pay for a nursing home for their spouse. However, this doesn't have to happen. The Medicaid requirements are far more generous with a married couple, why, because the government has an interest in not having someone lose their spouses life savings. There are many tools that are available to be able to take advantage of Medicaid benefits for your spouse and still get to keep your life savings. Please contact one of our Elder Law attorneys today to discuss these Medicaid Planning tools and strategies.

8 Nights of Medicaid Planning, part 3

Last time, we talked about the dreaded Look Back Period. In the third part of our Hanukkah inspired Medicaid Planning series we are going to talk about nursing homes and quality of care. There is a myth out there that people who receive Medicaid can't pick their nursing home or receive sub standard care. This simply isn't true. Now I know, many people have nursing home horror stories about substandard nursing home care, and I feel for those people. No one should have to endure that, however, those incidents have nothing to do with whether someone is private pay or on Medicaid.

Why holiday shopping may be difficult for the disabled

Tis the season to do holiday shopping. This may a joy to many people, but it be annoying when you have to search far and wide for a parking spot. This can be made even more difficult if you are disabled and the handicapped spaces are continually full.

8 Nights of Medicaid Planning, part 2

Today's post in the Hanukkah inspired 8 nights of elder law talks about the dreaded "look back period". The vast majority of the people the I meet with say, "I have heard about a "look back period", but I need care now, so I can't get benefits." This is both true and false. The government will look at any transfers that you have made in the last 5 years, BUT with what we call "crisis Medicaid planning", even someone already in long term care can be made eligible.

Knowing the reasons for an SSDI denial can be helpful

Applying for Social Security disability benefits can be a long and arduous process. It can be especially disheartening to find that your initial petition has been denied; particularly after you waited so long to receive an answer on your application.

Why Medicaid eligibility may not translate into actual care

We can't know what the future holds. We always hope for the best, but we must anticipate worst-case scenarios. Wise individuals do all they can to plan for such circumstances. This becomes even more significant an issue for those in Ohio who are in the upper ranks of the age demographic.

Beware of debt consolidation companies

If you are a senior citizen who is toiling in debt, chances are you have seen a commercial, an advertisement of have been approached about a debt settlement program. These programs are designed to allow you to reduce your high interest debt, typically by having the company negotiate with your creditors so that you can save money and get out of debt at the same time.  

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