is a Long Term Care Insurance Policy, virtually all Home Care or Residential Care Facilities are Private Pay. Medicare will only pay for Home
Care or care in a rehabilitation facility if a hospital stay preceded the need for care. Even then, the
period of time care can be provided, is extremely limited.
If it becomes necessary to shift to Nursing Home or Hospice Care a Senior without assets may
have the cost of care paid for with Medicaid funds. Medicaid funds are only available for Nursing Home
care and can not be used for lesser levels of care such as that provided in an Assisted Living environment. Long
before a Senior reaches this point it is a good idea to meet with an experienced elder care attorney to discuss funding mechanisms.
At the State level, a very limited amount of in-home care can be
provided for low income seniors. The State will provide up to $250 dollars of care each month for low income
seniors who are not deemed to be eligible for extended coverage under the "Community Choices" program. See the page
on State Financial Help.
There is a new state program
known as Community Choices. This program provides eligible elders at imminent risk of nursing home placement
with a substantially increased level of home care services. There have been cases where up to 80 hours a week
of in home care has been provided by the State. It is imperative you read our page detailing this program.
A veteran or spouse of a veteran may be entitled to some level of in-home care.
This program, which is not well advertised, can best be accessed by contacting your local American Legion Post. Many
people assume they won't income qualify for these programs however all unreimbursed medical expenses are deducted before determining
eligibility. Since this includes all payments to Nursing Homes and Assisted Living facilities many people likely qualify.
Read the page on Veterans for more information.
useful resource is the National Council on Aging's website called "Benefits Checkup". This website uses a
fill in form to gather information to identify a broad spectrum of programs a senior may be eligible for including medications,
housing, utilities etc. It does take about 20 minutes to complete but you will get a personalized report complete with
phone numbers and instructions as to how to sign up. Go to http://www.benefitscheckup.org/