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When a person requires full nursing home care, is in a qualified care facility and has insufficient funds to pay for care, Medicaid becomes an immediate reality. The care recipient (a) requires long-term care, and (b) meets all eligibility criteria for Medicaid coverage because of the limited financial means. Since nursing home Medicaid has no […]
Nursing Home Level of Care One of the questions family members or loved ones have is: My loved one has needs, but I am not sure that he or she needs full skilled care in a skilled nursing facility yet. How can I know when care needs have reached a point to consider long-term care? […]
One of the questions family members or loved ones have is: My loved one has needs, but I am not sure that he or she needs full skilled care in a skilled nursing facility yet. How can I know when care needs have reached a point to consider long-term care? Or do we need to […]
This article covers a very important topic for small business owners: life insurance. When a business is fully reliant on one individual, the sudden death of that key employee can be devastating for the business, potentially leaving many employees unemployed. Why Life Insurance Is Essential for Small Business Owners For small business owners, the unexpected […]
Long-term care requires full financial awareness for the care recipient and/or the individual’s family. Typically, long-term care is only paid for in a limited number of ways: private pay, long-term care insurance, or through Medicaid eligibility. Neither Medicare nor private health insurance pay for long-term care costs. For almost all families who are not independently […]
Another common Medicaid planning tool used to achieve nursing home Medicaid eligibility more quickly (while preserving assets) is through the purchase of a Medicaid Compliant Annuity. Unlike Medicare, Medicaid eligibility requirements do include analysis of the applicant’s assets, and asset limits do apply. When employing a Medicaid Compliant Annuity, assets normally designated as spend down […]