Did you know there are financial assistance programs available to veterans who need assisted living care? Our veterans made numerous sacrifices to uphold the freedom we enjoy today while their families kept the home fires burning. They are entitled to many benefits in appreciation for all they endured for America.Veterans benefits for senior living are available for qualifying veterans and their surviving spouses, as long as the veteran served at least 90 days of active duty, including at least one day during a wartime period, and received an honorable or general discharge.Veterans Aid and Attendance for assisted living careOffered through the Department of Veterans Affairs, Aid and Attendance is a monthly pension benefit that can help cover the costs of assisted living care. It is available for wartime veterans and their spouses who have limited income and require the regular attendance of a caregiver.Aid and Attendance is designed for individuals who need assistance from another person to complete everyday activities such as bathing, dressing and assistance with other daily activities. A veterans need for this benefit does not need to be the result of their military service.Funds received from Aid and Attendance benefits can offer a monthly benefit to help pay for assisted living and long-term care for a qualifying veteran and their spouse. The actual monthly benefit is determined by the veterans assets, income and medical expenses and conditions.Contact your local county Veterans Services office with questions on how to apply by visiting www.benefits.va.gov/vso.MedicareMedicare will pay for short-term care at nursing and rehabilitation facilities for seniors who need these services after an illness or injury that requires hospitalization. Medicare does not cover the cost for assisted living, home care or other senior living services.Long-Term Care BenefitsThe Veterans Administration provides both short- and long-term care in skilled nursing settings for veterans who cannot care for themselves. This benefit does not cover assisted living or home care.Housebound BenefitsVeterans confined to their homes and requiring assisted living care may be best suited to receive Housebound benefits. This program provides an increased monthly pension amount for those confined to their home due to a permanent disability.Applying for BenefitsThe Veterans Administration has regional offices that provide Veteran Service Organization representatives who may be able to answer simple questions about assisted living benefits, as well as provide free, basic advice on the application process.Many veterans seeking advice on applying for assisted living benefits hire a qualified attorney accredited by the VA or an accredited claims agent, who has passed a written exam about VA laws and procedures.The application process for assisted living benefits is often very lengthy. It is important to be thorough when completing the application and have all required documentation gathered and ready to submit.There are additional financial options to pay for assisted living care for individuals who do not qualify for veterans benefit. Click to find out more about financial options for senior living.Country Meadows offers affordable assisted living or personal care on its nine campuses in Pennsylvania and one in Frederick, Maryland. Our friendly co-workers are always available to help! Contact us today for more information.
Medicaid is a government program that provides health coverage to individuals, and it is the leading payor of skilled nursing facility care in the United States due to the high cost of such care. Many people mistakenly believe that Medicaid is only for those with minimal resources, but an asset protection plan can help you protect your assets and still qualify for long-term Medicaid benefits.Asset protection planning uses exemptions that allow you to keep some of your assets. For example, in Pennsylvania, you are allowed to keep $45 of your income per month plus any amount you use to pay for health insurance; the rest of your income must be used to pay for your care. When applying for Medicaid, countable resources include assets such as real estate, cash, investment accounts, retirement accounts, life insurance with a face value greater than $1,500, vehicles, and any business interests. However, you can exempt the house you live in, one vehicle, and your spouse can retain their retirement accounts and anywhere between $29,724 and $148,620 of the joint assets, depending upon the total amount of your combined assets. Anything over this calculated amount of exemptions could be put into an asset protection trust and protected from skilled nursing facility costs.An asset protection plan will allow you to immediately protect a portion of your assets, in addition to the assets that are exempt from Medicaid, for significant immediate savings that begin the moment your plan is fully funded.An asset protection plan consists of an asset protection trust, in which you can control the assets, but cant have direct access to them. Giving up direct access to the assets in the trust keeps creditors and predators away. If you do need access to an asset in the trust, you always have the ability to make distributions to someone other than yourself.Asset protection plans not only protect your assets during life but also provide tremendous value for your loved ones when youre gone.Laws and statutes in the area of long-term care Medicaid are always changing, so its highly recommended to review your options with a local elder law/estate planning attorney. At Bellomo & Associates, we can help you learn more about asset protection plans and how they can benefit you and your family while protecting your legacy from the rapidly rising cost of long-term care. Dont wait lets get your estate plan in place!Are you ready to start protecting your assets and planning for long-term care? Contact Bellomo & Associates today to register for an educational workshop. We can help you create a customized asset protection plan and provide guidance on long-term care Medicaid eligibility and planning. Dont wait until its too latetake action now and secure your financial future.
Understanding the Silence: 3 Reasons Family Caregivers Don't Seek HelpThe role of a family caregiver is one of the noblest yet most challenging tasks one can undertake. It involves providing unwavering support and care to loved ones who are either aging, living with disabilities, or dealing with chronic illnesses. Despite the significant physical, emotional, and mental toll it can take, many caregivers often find themselves reluctant to seek help, especially for their own self-care needs.This reluctance can lead to burnout, stress, and health issues for the caregivers themselves. Lets explore the top three reasons family caregivers often dont ask for help and discuss how acknowledging and addressing these concerns can lead to better outcomes for both caregivers and those they care for.1. Guilt and Perceived Self-ExpectationOne of the most profound reasons caregivers hesitate to seek help is the overwhelming sense of guilt and the self-imposed expectation to manage everything on their own. Many caregivers operate under the belief that seeking assistance is an admission of failure or that they are not doing enough for their loved one.This guilt is often compounded by societal expectations that glorify self-sacrifice, making caregivers feel that they must bear the burden alone to prove their love and commitment. Its crucial for caregivers to recognize that asking for help is not a sign of weakness but a necessary step in ensuring they remain healthy and well enough to continue providing care.2. Fear of Inadequate CareAnother significant barrier is the fear that no one else can provide the same level of care and understanding to their loved one. This concern often stems from the deep personal connection and familiarity caregivers have with the specific needs and preferences of the person they are looking after. The thought of entrusting this responsibility to someone else, even a professional, can be daunting.However, its important to understand that seeking help, whether through professional services or community support, can offer respite and may even introduce new approaches to care that can be beneficial.3. Lack of Resources and AwarenessMany family caregivers simply do not know where to look for help or believe that resources are not available or are too costly. This lack of awareness about the existence of support networks, respite care, and other caregiver resources contributes significantly to the isolation and stress that caregivers experience.Additionally, the complexity and time required to navigate health and social care systems can be deterrents in themselves. Increasing awareness and accessibility of support services is crucial in helping caregivers realize they are not alone and that there are avenues available to help manage the demands of caregiving.Moving ForwardRecognizing these barriers is the first step in addressing the silent struggle of many family caregivers. Its essential for caregivers to acknowledge their own needs and understand that seeking help is an act of strength, both for their well-being and for the enhanced care of their loved ones.Communities and health services can aid this process by promoting the availability of support resources, simplifying access to respite care, and fostering environments where caregivers feel valued and supported in their roles.For caregivers, remember: taking care of yourself is not a luxury; its an integral part of providing the best care for your loved one. By seeking support, youre not only ensuring your own health and happiness but also enhancing the quality of care you provide.Lets work towards a culture that supports and uplifts the invaluable work of caregivers, recognizing the importance of self-care in sustaining the caregiving journey.Addressing Caregiver Needs: Embracing Adult Day and In-Home Care ServicesAs we navigate the challenges and responsibilities of caregiving, it becomes clear that implementing practical solutions for respite is not just beneficial but necessary. Among the most effective strategies for providing caregivers with the relief they need are adult day services and in-home care options. These resources can offer caregivers the break they deserve while ensuring that their loved ones continue to receive high-quality care and social interaction.Adult Day ServicesAdult day services are designed to offer a safe, engaging environment for adults who need supervision and care during the day. These programs can be particularly beneficial for seniors with dementia or physical disabilities. They provide a range of activities aimed at promoting well-being, from physical exercises to social events and cognitive stimulation.For caregivers, this service presents an opportunity to take a break, attend to personal matters, or simply rest, knowing their loved one is in good hands. Embracing adult day services can significantly reduce the emotional and physical stress associated with continuous caregiving, offering a much-needed balance in their lives.In-Home CareFor families that prefer keeping their loved one at home or for whom adult day services may not be the best fit, in-home care is an invaluable alternative. Professional caregivers can come to your home to provide a range of services, from basic assistance with daily activities to medical care.This option allows your loved one to stay in a familiar environment while still receiving professional care. It also offers flexibility, as services can be tailored to your specific needs and schedule, providing relief for just a few hours a week or on a more full-time basis.Recommendations for Family Caregivers1. Assess Your Needs: Take the time to understand both your needs and the needs of your loved one. Whether its a few hours off to run errands or a more structured break to ensure your well-being, knowing what you need will help you choose the right type of support.2. Explore Your Options: Research local adult day services and in-home care providers. Look for reviews, ask for recommendations from your network, and consider visiting facilities to get a sense of how they operate and whether they feel like a good fit for your family.3. Seek Financial Assistance: Understandably, cost is a significant concern for many families. Explore financial assistance options such as Medicaid, long-term care insurance, or veterans benefits that may help cover the cost of these services.4. Start Small: If youre hesitant about introducing a new care arrangement, its okay to start small. Try a few hours of in-home care or a couple of days at an adult day center to see how it works for you and your loved one.5. Communicate: Open communication with your loved one about the changes and the reasons for them is crucial. Ensure they understand the benefits and feel involved in the decision-making process.By incorporating adult day services or in-home care into your caregiving routine, youre not only ensuring your loved one continues to receive compassionate and professional care, but youre also taking an important step in prioritizing your own health and well-being.Remember, taking advantage of respite care options is a testament to your strength and dedication as a caregiver, reflecting a commitment to providing the best care possible, both for your loved one and yourself. Caring for a loved one? We are here to help, whether you need help at home or need a little break during the day! Take a break and enjoy peace of mind knowing your loved one is having the time of their life! ActivAge Senior Care,formerly Chelsea Placeoffers Adult Day (the Club), Daytime Senior Care and In-Home Care. To learn more, please call (941) 205-7722 or visit ActivAgeCare.com. Port Charlotte: 3626 Tamiami Trail, Port Charlotte, FL 33952Sarasota: 3801 Bee Ridge Road, Sarasota, FL 34233Home Care: Serving Charlotte & Sarasota County