Our goal with respect to elder law is to help seniors and the people who love them address the many financial, medical, and legal issues that come with growing older. Principal among these is finding ways to pay for the cost of long-term care. Consider the following statistics:
- At least 70% of people over age 65 will need long-term care services and support at some point in their lives
- The average nationwide cost of nursing home care is $75,000 per year for a semi-private room. The average cost of nursing home care in Massachusetts is well above the national average
- A single person’s assets must be spent down to $2,000 before MassHealth will pay for nursing home costs—in a nursing home that accepts MassHealth
We can help you plan in advance for the possibility of incapacity and the need for long-term care, as well as help you cope with what we call a Medicaid Crisis situation.
Proactive planning is for people who are healthy now, but want to have a plan in place to protect their hard-earned assets against the possibility of needing long-term care in the future. We can use a variety of tools and strategies that will enable you to get the care you need without spending down all of your assets. The plan we design will also enable you to get assistance from MassHealth to help pay for your care as quickly as possible if and when you need it.
Coping with a Medicaid Crisis Situation
Medicaid is the largest provider of financial assistance for nursing home residents in the United States. (In Massachusetts, Medicaid is known as MassHealth.) Given the cost of long-term care, when financial assistance from MassHealth is denied and a member of the family must enter a nursing home immediately or in the very near future, it precipitates a financial crisis for most families. We call this situation a Medicaid Crisis.
What you need to know is that the information provided by well-meaning friends, social workers, nursing home intake staff, and others about MassHealth eligibility is often wrong or outdated. Laws governing eligibility are complicated and change from one year to the next. We understand these laws and how to help you get the care you need without exhausting your life savings. If you or someone you love is faced with a Medicaid Crisis situation, contact our office as soon as possible. Even if you have been denied assistance from MassHealth, or are already in a nursing home, we may still be able to help you.