We don’t want to imagine a future time when our health declines, or our
loved ones are unwell, so most of us don’t plan properly for long term elder
care. But having legal documents and financial preparations in order allows for peace of mind.
These are difficult conversations to have, but advanced planning offers more options. Decisions as important as long term elder care shouldn’t be rushed, which is what happens when we operate in crisis mode. A lawyer can empower you with the right knowledge to help your family through this overwhelming process so you aren’t caught off guard.
Have a Plan: Advanced Medi-Cal Planning
People are now living longer than ever. Nearly two-thirds of us will require
some form of long term elder care in our twilight years. Medi-Cal is worth
considering. It’s a government program in California that covers extended
health costs in a skilled facility. But qualifying for Medi-Cal takes time, and
it’s best to understand a program fully before it’s needed.
There are some misconceptions about Medi-Cal’s eligibility requirements
that a lawyer can help you navigate. Part of the issue is that regulations are
complicated and change frequently. But Medi-Cal is a good backup resource
for patients in skilled nursing homes because there’s no cap on the number of days a patient can stay in their care facility. Unfortunately, Medicare
coverage eventually runs out.
Protecting Your Loved Ones
Most of us will face medical legal considerations someday. Having a plan in
place for a loved one’s estate and long term elder care offers stability in
uncertain times. A lawyer can help with Medi-Cal eligibility planning, as
well as reduce or prevent the government from later collecting against your assets to recover the expense of extended care.
There are emotional and financial costs, but taking steps while you and your loved ones are healthy is an investment in your family’s future protection.