The Top 5 Misconceptions about Long-term Care Medicaid Eligibility

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Beneficent: LTC Funding Education & Options

For more information about the author, click to view their website: Beneficent

Posted on

Apr 03, 2024

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What You Have Heard
Ask yourself, was the info you heard from a Certified Medicaid Planner?

Medicaid Misconception #1 - You can only have $2,000.

  • FACTS
    Single applicants have a resource limit of $2,000. (in 2024) A married applicant has a resource limit of about $150,000. (in 2024)


Medicaid Misconception #2 - Your home will be taken from you if you are on Medicaid.

  • FACTS
    All applicants are allowed to have 1 home and 1 car. There are ways to avoid Medicaid estate recovery, an applicant can receive Medicaid and keep their home.

Medicaid Misconception #3 - You make too much money.

  • FACTS
     If you are over the income limit, Beneficent can provide the legal steps using the Medicaid code to bypass being over the income limit.


Medicaid Misconception #4 - You must spend down to $2,000 to qualify for Medicaid.

  • FACTS
    This is an option, however not your only option. If you want to preserve the hard-earned assets you or your loved one has worked their entire life, you can!


Medicaid Misconception #5 - Why doesn’t everyone apply for Long-term Care Medicaid if the other outcome statements are true?

  • FACTS
    Many are deceived by misinformation and preconceived notions. There's a game-changer you need to know about - Certified Medicaid Planners (CMP) - we know the rules and regulations.


You can find all the CMPs in the United States here, (https://cmpboard.org/locate-a-cmp/ there aren’t too many of us! 

Need to schedule an appointment with one of our Certified Medicaid Planners at Beneficent? Book here (https://calendly.com/doinggoodforothers) or call our office (719.645.8350) for more appointment times.

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Lets take a look at some of the considerations for making the decision.Safety at home is a concernParkinsons symptoms, like tremors and balance issues, can contribute to a higher risk of falling or other safety challenges. Consider recent accidents or near accidents and how safe a person feels while doing everyday tasks, like cooking or bathing. Even if an accident hasnt occurred, its best to consider safety before one happens rather than wait until a fall or injury takes place. Assisted living facility services often include meal preparation and caregiver assistance with activities of daily living, so you dont need to risk your safety to complete these tasks alone once youre a resident at a community.Some but not all people with Parkinsons develop Parkinsons dementia, which can complicate caregiving. Cognitive decline with memory problems, hallucinations, disorientation, and confusion can heighten caregiver stress and make it challenging to keep someone safe. Staff at assisted living are trained in caregiving for and ensuring the safety of people with many different needs, including those experiencing cognitive decline.If a person with Parkinsons disease lives at home, its important to ensure the home is accessible and safe. Installing handrails, walk-in bathtubs, or other remodeling might be necessary; however, assisted living facilities are already equipped with these features and amenities to keep you or a loved one safe.Its stressful to live at homeLiving at home with Parkinsons can be frightening, even with help. About 60% of people with Parkinsons fall each year, and having a medical alert system is critical. However, managing activities of daily living with Parkinsons might be unsafe or too challenging. Consider these questions about living at home and how they make the individual with Parkinsons disease feel:Does living on your own cause stress and anxiety, even if you have a spouse or caregiver?Does your home have stairs or other features that make accessibility challenging and unsafe?Is it difficult to manage in-home caregivers, whether they are friends, family, or professionals?If you are paying for professional caregiving, is the expense nearing what assisted living could cost?Stress can come from fear of sustaining an injury, guilt for asking a spouse or family for help, and paying a great amount for limited home care services. Living in an assisted living community can help alleviate many of those stressors: Caregivers on staff can help with tasks so family members dont have to. Though facilities can come at a cost to the resident, these prices cover room, board, and care. The all-in-one price covers most aspects of life, therefore simplifying finances.Your partner or family caregiver is burned outCaregiving for a spouse or partner who has Parkinsons can be stressful and exhausting. During the early stages of Parkinsons, your spouse may be able to manage independently. However, as the disease progresses, a time may come when additional support is needed, and this could include assisted living. Though spouses and family members care for their loved ones out of love, the stress of being a caregiver can weigh heavily on the individual. Lets consider some potential issues that a family may feel when it comes to family caregiving:Have a spouses caregiving duties become too time-consuming and stressful? Do you need help with tasks that are outside the family caregivers scope of expertise?Does it feel like the dynamics of your relationship with this person have changed?Has your family caregiver needed to take significant time off from work to care for you?Though the family member wants to ensure the individual with Parkinsons is safe and comfortable, the caregiving may cost the caregiver their mental, financial, and physical health. Assisted living can alleviate this stress and allow the family members to reconnect and spend higher-quality time together.Considerations for people with Parkinsons disease who live aloneA person living with Parkinsons disease who lives alone doesnt immediately need to move to assisted living. People are adaptable and can continue caring for themselves for some time. Its important to reflect on your current physical, financial, and emotional situation to determine if and when its time to move to assisted living. Here are some questions to consider:Are you isolated and lonely?Is it challenging to get enough exercise?Is transportation an issue? Getting to doctors appointments and preventative care is critical to managing Parkinsons disease. Are you finding it challenging to shop for food and cook nutritious meals?Will visiting you in assisted living be more manageable for friends and family?If you need a little more help at home, you might consider hiring in-home care. Keep in mind that there could be limits to what home care can provide, and their services may not meet your needs. For example, many home care caregivers who can help with bathing, dressing, and meal preparation are not legally allowed to help set up a clients medications. Those medication services are available at assisted living facilities, however.Consideration for people with Parkinsons disease who live with a partnerIf the person with Parkinsons lives with a partner and that person does not require assistance, the couple must decide whether both move to assisted living or not. In this case, the decision may come down to the cost and whether its feasible for one person to move and the other to stay in the home.Many residents of assisted living facilities sell their homes and use the proceeds to pay the monthly cost of living at the community. The couple should examine their finances to determine whether selling the home is necessary or if they have other ways to fund assisted living, such as long-term care insurance or retirement savings.Do you need to sell your home to finance assisted living costs, or are there other ways to finance the cost of assisted living?If you both move into assisted living, will the caregiving spouse still feel responsible for providing care, or will a solo move to assisted living encourage more independence?If you can afford for the spouse who has Parkinsons to go to assisted living and the remaining spouse to stay at home, how will this affect your relationship?Moving to assisted living with Parkinsons diseaseChoosing assisted living can involve complex decisions and may not be a perfect solution. However, it may help with many of the problems associated with Parkinsons disease by providing a layer of support and safety. By considering safety concerns, financial situations, caregiving networks, and other factors, you can confidently decide whether it is time to move to assisted living, ensuring your or a loved ones safety and well-being.

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Beneficent: LTC Funding Education & Options

Medicaid Planning 665 Southpointe Court, Colorado Springs, Colorado, 80906

Beneficent creates solutions for senior and disabled adults to pay for Long-term Care Services - INCLUDING HOME CARE, ASSISTED LIVING, OR SKILLED NURSING. Our clients benefit from step-by-step guidance which results in minimizing spend down, preserving assets, and limiting out-of-pocket expenses. BENEFICENT HAS OVER 200 FIVE-STAR REVIEWS ON GOOGLE AND THE BETTER BUSINESS BUREAU. During our FREE initial consultation, you'll walk away with certainty on your next steps moving forward regarding how to pay for long-term care.