Medicaid Planning
As life expectancies and long term care costs continue to rise, the challenge quickly becomes how to pay for these services. Many people cannot afford to pay $10,000 TO $12,000 per month or more for the cost of a nursing home, and those who can pay for a while may find their life savings wiped out in a matter of months, rather than years.
Fortunately, the New York State Medicaid Program is there to help. In fact, in our lifetime, Medicaid has become the long term care insurance of the middle class. But the eligibility to receive Medicaid benefits requires that you pass certain tests on the amount of income and assets that you have.
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The reasons for Medicaid planning are simple. First, you need to provide enough assets for the security of your loved ones -- they too may have a similar crisis. Second, the rules are extremely complicated and confusing. The result is that without planning and advice, many people spend more than they should and their family security is jeopardized.
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We invite you to
contact us today to make arrangements for a free consultation to discuss any questions you may have regarding Medicaid. We also offer
"The Consumer's Guide to Medicaid Planning," a free guide that answers a number of the common questions that families in New York have and discusses a number of effective strategies for long-term planning.
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Coping with Alzheimer's Disease & Dementia
When your loved one is diagnosed with Alzheimer's Disease, you are faced with many different issues: How do you handle your loved ones' affairs when they can no longer do so? How can you provide care for your loved one without neglecting other family members or your job? Can you get help caring for your loved one if you are physically unable to provide that care yourself? Is financial assistance available to offset the expenses of caring your loved one?
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If you have a loved one with Alzheimer's, it is critically important that you answer these questions now...before a crisis hits.
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Legal pre-crisis planning allows you to arrange and organize financial and health care matters before the need for long-term care arises. Decisions can be made thoughtfully and carefully based on accurate and up-to-date information.
We invite you to
contact us to set up a free consultation to discuss any questions you may have.
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Hospice Care
If you or a loved one is on hospice, the ability to make financial or health care decisions may decrease over time. Making informed decisions about personal, business, and health care issues may become more difficult or even impossible.
Fortunately, proper planning will assure that things are handled according to your wishes and that you've taken the best steps possible to protect your loved ones and to protect your family.
Our free
Consumer's Guide to Hospice Care outlines the steps you can use to protect your loved one and their hard-earned savings. Request your copy today, or
contact us to set up a free consultation to discuss your individual situation.
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Finding a Nursing Home/Assisted Living Facility
The decision to move a family member or a loved one into a nursing home is one of the most difficult decisions you can ever make.
Perhaps the move is being made because the family member can no longer care for him or herself...or perhaps the person has a progressive disease like Alzheimer's...or has had a stroke or a heart attack.
No matter the reason, those involved are almost always under great stress.
At times like these, it's important that you pause, take a deep breath, and understand that there are things you can do. Good information is available, and you can make the right choices for you and your loved one.
The Nursing Home and Assisted Living Guide features a comprehensive listing of all of the facilities in our area, as well as information on how to find the right nursing home, how to get good care there, and how to pay for it without going broke.
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