Today’s Q&A on ElderCareMatters.com is about the options available to pay for Long Term Care

Question:  What are the financial options that are available to us for paying for long-term care for our elderly parents?  For example, will Medicare and Medicaid pay for these elder care expenses?  Please advise.

Answer:  Medicare does not pay for “long term care”. The only time that Medicare will pay for a patient in a nursing facility is when that person is receiving rehabilitative therapy.  In that case, Medicare will pay fully for the first 20 days.  Thereafter, and assuming the person is still receiving therapy treatments, Medicare will pay a portion of the cost for UP TO the next 80 days. After a total of 100 days receiving therapy has elapsed, and assuming the person did not have a valid long term care insurance policy in place, the person must either go on private pay if they wish to remain in the facility or they must qualify for Medicaid.  

There are many issues to be addressed in determining whether a person is qualified for or can be qualified for Medicaid benefits and for that, it is advisable that the family seek the advice of an Elder Law attorney who is experienced in this area.

To locate Elder Law Attorneys near YOU who can help you with your elder care matters, go to www.ElderCareMatters.com – America’s #1 online source to find Elder Care Experts, Information & Answers to your Questions about a wide range of elder care matters.

Beverly J. White, Esq.
The Law Firm of Beverly J. White, P.A.
Tampa, Florida  33624
813-891-6610
Member of the national ElderCare Matters Alliance, Florida chapter

 

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