Posts Tagged ‘choose a nursing home’

Basic Planning Steps for Seniors

Friday, November 5th, 2010

We all know that long-term care can be very expensive. Many of us will be surprised to learn that Medicare and most health insurance plans, including Medigap policies (Medicare supplemental insurance), do not cover long-term care. State Medicaid (Medi-Cal in California) cover some long-term care services only for people who have a low income and few resources.

Costs for a nursing home averages to more than $6,000 a month, which means that it can cost seniors upwards of $70,000 a year out-of-pocket. People who receive long-term care services at home spend can be spending more than $1,600 per month.

Some seniors can cover the long-term care they need in the future with long-term care insurance, savings plan annuities, certain life insurance policies, and reverse mortgages. The optimum solution really depends on one’s personal finances and family situation. Planning for disability or incapacity is something that we can’t afford not to do.

There are basic steps every one can take to start thinking about how to provide for health care as we all age:

1. Estimate how much of the cost of long-term care you could afford on your own.

2. Talk with you independent financial planner for more information about your financial situation.

3. Ask your current or former employer if you are eligible for group long-term insurance, savings plan annuities, or similar long-term care benefits.

4. Do some research and learn about long-term care insurance, trusts, annuities, reverse mortgage or other options for financing long-term care needs.

5. Call your local Area Agency on Aging to finds out about other programs that might help pay for long-term care. Look under “aging” or “Human Services” in the local government blue pages of the phone book for the number. You can also call 1-800-677-1116, which is the toll-free information line for the Eldercare Locator. (This is a public service of the U.S. Administration on Aging connecting you to services for older adults and their families.)

6.  If you have low income, you may qualify for Medicaid (or Med-Cal in California). If you live in California, you can go to the Department of Health Care Services Medi-Cal page to get more information about the program.

7. Last but not the least, if you happen to live in Southern California, you can call the Cal Elder Law office to make an appointment for a consultation: (562) 920-6100. As elder law attorneys, our expertise is in helping seniors plan for their their long-term care needs, at the same time protecting their hard-earned savings and assets.

Plan Ahead: Learn the Tricks to Choose the Right Nursing Home

Tuesday, March 30th, 2010

One of the toughest choices you may ever make will be whether or not to put a loved one who needs constant care into a nursing home facility. It’s an emotionally draining, scary and often traumatic experience- just ask anyone who has had to do it. Selecting the right nursing home for your family member requires research, a lot of question asking and patience. Don’t be afraid to ask the tough questions. Don’t be afraid to shop around. And if anything makes you feel uneasy- move on!

Rule #1 for nursing home hunting is to do it before you actually need one. Do it now when your loved one can give their input; when you are all feeling cool, calm and collected. When you wait until your loved one is under duress, seriously ill or otherwise it’s not the best time to remember to ask all your questions and get the valuable answers you need to feel secure in your decision.

The cost of nursing home care is another source of stress for most families. Learn ahead of time what Medicare or private insurance covers and what the gaps might be so you can have your loved-ones estate plan setup to handle the costs. You should also realize that Medicare does not pay for what’s called “custodial care”, that includes: help with walking, eating, bathing and other daily activities. The average cost of nursing home care is $200-$300/day. And that doesn’t include whatever additional fees you may face in situations of Alzheimer’s of dementia when additional specialty staff and care is required.

Do your research! The Centers for Medicare and Medicaid Services collect valuable data on over 15,000 nursing homes cross-country. The data includes health inspection, staffing and a measure of the quality of care all combined to score each facility with an overall ranking from one to five stars. Additionally, the site offers a nursing home compare tool as well as a brochure titled “Medicare’s Guide to choosing a Nursing Home” for each facility.

Visit the home often, and at different times. Similar to when you are house hunting and want to check out the neighborhood different days of the week and times of the day- choosing a nursing home is the same way. Pop in to see if the experience feels different. Pay attention to patients looking for help, bad smells, or anything else that feels neglectful or just not right.

And take the checklist from the nursing home compare website with you so after you’ve toured each facility you can sit down as a family and discuss your findings together; carefully weighing the pros and cons of each facility. Also, bring your own list of questions along. Some questions to ask include: Do you engage in “person-centered care” as well as “consistent assignment” care? Ask what the daily schedule is, visiting hours, security of the building, activities or classes offered, and eat the food while you’re there. All of these things should weigh into your final decision.

If you are looking for help in California, try the California Elder Law Center. For access to a free clinic to learn more, we offer them every Wed at 2pm or for additional information please call (888-500-6700).