Maybe you’re already in danger. Every day people in our area lose their homes because a catastrophic illness hits their family, and they can’t afford to pay the nursing home. If your spouse or loved one suffers a stroke, develops dementia, or is simply unsafe alone at home, you could lose everything to the cost of long term care. I see many people come through the door who are spending their life savings, and who will get no help from the State until they have spent almost everything.
You may not believe this, but if you’re single… widowed… divorced, our government does not help you pay for long-term care until you are BROKE! And if you’re a married couple, you may have to spend half of your assets or more before you qualify for assistance. If you do nothing, you may have to sell your home to pay for the medical bills that keep coming… and coming… and coming…
You don’t want to be out of money and out of quality health care options for your loved one. The truth is, you can be impoverished by long term care law and expenses long before “they” will throw you a Medicaid life preserver.
As you know, a life preserver has a great big hole in it. A nursing home resident on Medicaid cannot have assets of more than a couple thousand dollars, and is usually limited to a “personal needs allowance” of about a dollar or two a day. How are you supposed to get by with a dollar or two a day? That won’t even pay for a hair appointment!
Unfortunately, in 2005, the Medicaid laws got a lot tougher. Government officials now audit FIVE YEARS of your financial paperwork, trying to find any detail they can to deny (or delay) access to the benefits that may be rightfully yours.
You would not ask the Internal Revenue Service to prepare your tax return, would you? They know all the hidden long term care law deductions – but they’re not about to tell you about them! This is where I come in – I’m an elder law attorney. It’s my job to know all of the Medicaid rules and regulations in both federal and state law. I protect my clients from being excessively impoverished.
The rules of Medicaid are nearly impossible for the layperson to understand. In fact, most likely, your family attorney will say things like, “It’s too late to do anything!” – or just shrug his shoulders and offer you the same old will and power of attorney that he prepares for his healthy clients. We know more solutions. We help people like you deal with the mind-boggling, complex maze of Medicaid paperwork and the frustration that accompanies it. We know where the landmines are placed along the Elder Care Journey ©.
Best wishes to you and your family,
John J. Peck
Attorney at Law
Long Term Care Law