Medicaid Applications

In many cases, this involves crisis planning. The decision to move a family member or loved one into a nursing home is one of the most difficult decisions you can make. Perhaps the move is being made because the individual can no longer care for himself or herself, or has had a stroke or has Alzeimher’s. No matter what the reason, those involved are almost always under a lot of stress. Our office is experienced in this area. Our staff is sensitive and provides knowledgeable guidance so you can take the steps necessary to protect yourself, your love ones and your assets.

The high cost of nursing homes has made planning critically important for most middle class seniors and their families. While some seniors can privately pay for nursing home care, the cost can wipe out savings. Those who have planned ahead by purchasing long term care insurance have some protection. Unfortunately, many cannot afford the cost for long term care insurance or cannot qualify.

Medicaid (“MassHealth” in Massachusetts) is another option to help pay for nursing home care. Medicaid is a joint federal-state program that provides assistance to certain individuals, including those who are 65 or older, disabled or blind.

Applying for Medicaid benefits to pay for nursing home care has become more complicated over the years. There are strict financial eligibility requirements for single individuals and married couples. When applying, there are a myriad of regulations involving non-countable assets, look-back periods, income rules, transfer penalties and waiting periods that a person must plan around.

Our office has the experience to help avoid the financial ruin associated with nursing home costs. We navigate the eligibility rules and use the rules creatively and honestly to protect the home and other financial assets. Contact us today to start the process of understanding the issues surrounding Medicaid eligibility and to implement the planning and application process.

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For more information on paying for nursing homes and Medicaid, please click here.