Certified New Jersey Elder Law Attorneys

McHugh & Macri
Certified Elder Law Attorneys Serving New Jersey Residents since 1978.
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East Hanover New Jersey Elder Law Blog

NAELA National Academy of Elder Law Attorneys, Inc. MEMBER

What are some options for paying for long-term care?

As the baby-boomer population in New Jersey ages, they need to give some thought to their elder years. They may picture living in an assisted living facility or nursing home, where their daily needs can be taken care of by professionals. Others may prefer to stay in the comfort their own house, and receive in-home health care as needed. No matter what they choose, however, they'll also have to consider how they will pay for long-term care.

Take Medicare, for example. Medicare payments for long-term care are limited. Medicare will cover rehabilitative care or skilled services received in a nursing home, but only for up to 100 days in such a facility. Medicare will also cover skilled in-home health services, but only for a certain amount of time. Medicare does not cover non-skilled help with daily living activities. Therefore, if a person needs care that is not covered by Medicare will have to be paid for another way, for example, through their insurance policy.

Protect your assets when entering long-term care

Having an injury or illness sideline life plans as we age is never an expected or welcome event. This type of situation can completely upend usual living arrangements, suddenly thrusting one into the possibility of having to enter a long-term care facility. Unfortunately, the cost of living in such a facility can be astronomical. This very real sticker shock can send those in such situations into panic as visions of losing their estates run through their heads.

Unfortunately, this is a very real possibility. Medicare only pays for the hospital, rehabilitation, and therapy services. Once those are complete, an individual is responsible for the cost of long-term care. These costs are not cheap. A nursing home can run $11,000 a month or $132,000 every year. With such expenses, the estate you have built up for an entire lifetime can be wiped out in the span of just a few short years.

How you can protect vulnerable loved ones through an estate plan

The primary goal of estate planning is to ensure that your loved ones are cared for after you pass away. This is especially important if those you care for have special needs, and you (or a spouse or sibling) are the primary caretaker. These loved ones could be young children or even adults with physical or mental disabilities.

Nevertheless, there are a few ways to protect their interests in the event you are no longer able to do so. This post will identify two important ways of doing so.

What level of care do you receive in a New Jersey nursing home?

Nursing homes can offer a wide range when it comes to care. Unless you are wealthy, you may be worried about the quality of treatment you will receive in a non-luxurious nursing home.

However, you can rest your fears. New Jersey has several laws that ensure a rigorous standard of care and protection of patients' rights in nursing homes of all financial levels.

Too many assets for Medicaid? Set up a special needs trust

Are you a Medicaid applicant or beneficiary and over your resource limit? Having too many assets may disqualify you for long-term care through Medicaid. Thankfully, setting up a special needs trust can prevent you from disqualification.

Holding your assets in a special needs trust can also help you become eligible for Supplemental Security Income. To understand more about your options, review this quick guide to special needs trusts in New Jersey.

Why an attorney should help you complete a Medicaid application

If you are considering applying for Medicaid, you can expect a journey ahead of you from the time you apply to the time you enroll. According to the state of New Jersey, there are nearly 1.79 million people enrolled in the program, but it is still notoriously difficult to navigate the process. There are a few reasons it can be beneficial to consult an attorney when you are starting your Medicaid application.

Complete the application correctly

What factors should I consider when choosing an executor?

It is not enough for you to leave behind a will to explain how to handle your assets when you die. Choosing the right person to serve as your estate's executor is just as important as estate planning. Too often people in East Hanover fail to give this matter the attention it deserves, only to end up with complications that interfere with their final wishes. Before you choose an executor for your estate, you should take some things into consideration.

The difference between a living will and power of attorney

As your get older, it is important to establish an advance health care directive, or living will, for yourself to prepare for the unexpected. However, before you start filling out forms, you need to understand what a living will entails and how it differs from a health care power of attorney. They are not the same, and it may be best to have both to ensure you receive the medical treatment you desire.

What to do after your Medicaid application is denied

According to ThinkProgress, Medicaid boasts a 92 percent approval rate for insurance applicants. This bodes well for qualified people seeking coverage, but with tens of millions of Americans on the policy, the eight percent who are denied should not be overlooked. If you belong to this group, you are likely frustrated and seeking answers. There are several things you should keep in mind and do following a Medicaid denial. Follow these steps to seek recourse.

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49 Ridgedale Avenue 
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East Hanover, NJ 07936
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