Is Your Spouse in a Nursing Home?

Posted on

May 11, 2020

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Are you worried about the impact of a Nursing Home stay on you or your spouse? You are not alone as the majority of older adults worry about this same possibility. When a nursing home admission crisis occurs, it is understandably overwhelming.
How will I pay for Nursing Home Care?
Medicare coverage is available in many cases but is limited in payment duration. Long Term Care insurance can do wonders in protecting our assets and may even increase your chances of gaining admission to a competitive health care facility, but most consumers have opted out of this insurance due to high premiums. Once we have exhausted Medicare benefits, paying privately becomes inevitable, until one becomes eligible for Medicaid (Medical Assistance) benefits.
Must I spend all of my assets if I am admitted to a Nursing Home?
Under Medical Assistance, the spouse who is NOT in need of nursing home services, (the Community Spouse) is afforded substantial protections that provide the necessary means to continue living at home with assets and income to support them. However, understanding and benefiting from these protections is a difficult task especially given the fact that information is not readily available and few professionals specialize in educating seniors in this critical area.

What can I do to lessen the impact of a Nursing Home stay?
It is never too early to initiate planning. Everyone should have a Financial Power of Attorney and a Healthcare Power of Attorney with Living Will instructions these all are essential documents that allow our trusted agents to protect us in difficult times. In addition, these documents should be specifically drafted to meet our goals including asset protection powers for our spouse.

Consider contacting an attorney who focuses in Elder Law today! An Elder Law attorney can help you create an effective plan to protect you and your spouse should a nursing home admission become inevitable. Peace of mind is achievable!
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Editors Note: This article was contributed by Shawn Pierson, Elder Law Attorney in Lititz, PA.

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