Long term care attorneys at Nirenstein, Horowitz & Associates provide help in making plans in case you someday require long term care. You can get long term care in your own home or, if necessary, can move into a nursing home in order to get the care that you need. Both options are very expensive, but unfortunately a substantial number of people are going to end up requiring care as they age or if they become disabled.
Nirenstein, Horowitz & Associates will assist you not only in making sure that you can find the right kinds of care to meet your needs, but also in making sure that you can pay for care. Since so many people do end up needing assistance with routine activities of daily living, it’s important to reach out to an experienced attorney if you don’t have plans in place already for paying for your care.
There are a wide variety of different kinds of health issues that you could experience that give rise to a need for care and we can help you to be ready for whenever illness or infirmity strikes you or a loved one.
When Do Seniors Need Long-Term Care?
According to the Wall Street Journal, more than 70 percent of people 65 and over are going to end up needing some kind of nursing home care. If you’ve reached the age of 65, there’s a 40 percent chance you’ll be one of the millions of older people who require nursing care services. You’ll also have a 20 percent chance of spending at least five years in a nursing home once you have reached the age of 65.
There are a lot of reasons why seniors need to move into a nursing home or why seniors will end up requiring long-term care at home. One of the most common reasons why seniors eventually need institutional care is because they develop dementia. Alzheimer’s and related conditions can affect your cognitive function, making it impossible for you to care for yourself and difficult for family members to care for you.
Seniors may also have to move into a nursing home because they suffer a stroke and can no longer care for themselves; because they break a hip and cannot get around so need rehabilitative services; or because they simply become too old to do basic activities like showering or eating or using the bathroom on their own.
When seniors must move into a nursing home facility, the reason for the move is important. Medicare will cover a senior who must live temporarily in a skilled nursing care facility if certain conditions are met, but it will provide no coverage for custodial care. Custodial care is the kind of routine care that nursing homes provide to most patients, as it is the kind of care that is offered when people just can’t do basic tasks any more.
If you need basic routine care, rather than skilled medical services, you won’t get Medicare coverage so you’ll have to pay out of pocket unless you can qualify for Medicaid. Medicaid has strict asset limits, so you will need to get help from long- term care attorneys at Nirenstein, Horowitz & Associates to make a plan to ensure you can qualify for Medicaid to pay for either nursing home care or home healthcare. Our legal team will work with you to ensure that you can get the kind of care you need, when you need it, without taking a risk of losing your life savings just because you suffer a stroke or other impairment that makes living independently impossible without help.
Getting Help from Long Term Care Attorneys
Long term care attorneys at Nirenstein, Horowitz & Associates have helped many people of all ages to make appropriate plans for their own care or for the care of a loved one. We help you to plan ahead in case an unexpected illness or injury necessitates care. We also provide you with help in responding to a diagnosis of a serious illness that suggests you will need care in the future, and we assist families in crisis planning when an unexpected injury or illness creates an immediate need for care.
To find out more about the ways in which our legal team can help you with all of your legal and financial issues related to nursing home care or long term care in your home, join us for a free seminar. You can also give us a call at 860-548-1000 or contact us online to get personalized one-on-one advice so reach out to us today to get the help that you need.
- IRA Estate Planning: What Should a Beneficiary Expect? - August 2, 2022
- When Will You Put an Estate Plan in Place? - July 14, 2022
- Don’t Forget to Update Your Estate Plan - June 28, 2022