Cover image for Beat the nursing home trap : a consumer's guide to assisted living and long-term care
Title:
Beat the nursing home trap : a consumer's guide to assisted living and long-term care
Author:
Matthews, J. L., 1946-
Personal Author:
Edition:
Third edition.
Publication Information:
Berkeley, Calif. : Nolo Press, [1999]

©1999
Physical Description:
1 volume (various pagings) ; 23 cm
General Note:
Includes index.
Language:
English
ISBN:
9780873375153
Format :
Book

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Summary

Summary

Matthews presents all the information consumers need to make the best choices for long-term care, such as how to: - protect assets- arrange home health care- find nursing and non-nursing home residences- rate nursing home insurance policies - understand Medicare, Medicaid and other benefit programs


Author Notes

Attorney Joseph L. Matthews has written several books, such as "Social Security, Medicare and Pensions: Get the Most Out of Your Retirement and Medical Benefits" and "How to Win Your Personal Injury Claim," which tell readers how to protect their rights, deal with bureaucracy and minimize legal fees. He has also written a collection of humorous legal stories called "The Lawyer Who Blew Up His Desk."

(Bowker Author Biography)


Table of Contents

1 Making Decisions About Long-Term Care
A. What is Long-Term Care?p. 4
B. Complex Questions of Long-Term Carep. 4
1. How This Book Guides You and Your Familyp. 5
C. Exploring Long-Term Care Optionsp. 7
D. Recognizing and Discussing the Situationp. 8
1. Getting Help From Othersp. 9
2. Assessing Medical Needsp. 10
3. Assessing Personal Needs and Capabilitiesp. 12
4. Laws Providing for Family Leavep. 13
E. Making a Realistic Family Commitmentp. 14
1. Staying at Homep. 15
2. Moving in With Familyp. 15
3. Entering a Residential Facilityp. 16
F. The Ability to Payp. 17
1. Help With Payingp. 20
2. Determining Income and Assetsp. 20
G. Help Getting Started: Geriatric Care Managersp. 23
1. Where to Find Geriatric Care Managersp. 24
2. Evaluating a Geriatric Care Managerp. 24
H. Additional Considerationsp. 26
1. Health Care Directivesp. 26
2. Durable Powers of Attorney for Financesp. 27
3. Willsp. 27
4. Living Trustsp. 28
2 At-Home Care
A. What is Home Care?p. 4
1. Independencep. 6
2. Financial Savingsp. 6
3. Quality of Carep. 7
B. How to Find Home Care Servicesp. 8
1. Friends and Relativesp. 9
2. Hospital Personnelp. 9
3. Physiciansp. 9
4. Nursing Registriesp. 10
5. National, State and Local Agencies and Organizationsp. 10
6. Senior Centersp. 11
7. Volunteer Organizationsp. 11
C. Services Provided Through Home Carep. 12
1. Medical Servicesp. 12
2. Medical and Safety Equipment and Suppliesp. 14
3. Non-Medical Personal Carep. 14
D. Kinds of Home Care Providersp. 16
1. Full-Service Home Care Agenciesp. 16
2. Support-Care Agenciesp. 17
3. Independent and Informal Arrangementsp. 17
E. What to Look for in a Home Care Agencyp. 21
1. Certificationp. 21
2. Reputationp. 21
3. Services and Flexibilityp. 22
4. Personnel Standardsp. 22
5. What Does Not Matter in Choosing an Agencyp. 23
F. Getting Started with Home Carep. 24
1. Developing a Care Planp. 24
2. Getting Regular Providersp. 26
3. Supervising and Reviewingp. 27
G. Costs of Home Carep. 28
1. Sliding Scale (Income-Based) Fee Policyp. 29
2. Cost Varies With Service and Skill Levelp. 30
3. Beware the Hidden Chargesp. 30
H. Financing Home Care Through Reverse Mortgagesp. 31
1. Drawbacks of Reverse Mortgagesp. 34
2. Protecting Your Interestsp. 36
I. Cashing in a Life Insurance Policyp. 37
1. Accelerated or Living Benefitsp. 38
2. Viatical Settlementsp. 38
J. Supplements to Home Carep. 40
1. Meals-on-Wheelsp. 40
2. Adult Daycare and Respite Carep. 40
3. Senior Centersp. 43
4. County Health Screeningp. 43
5. Family Education Programsp. 44
6. Additional Servicesp. 44
3 Organized Senior Residences
A. Independent Livingp. 4
1. The Basicsp. 4
2. Costsp. 7
3. Rules and Restrictionsp. 12
B. Assisted Livingp. 16
1. The Basicsp. 17
2. Costsp. 23
3. Rules and Restrictionsp. 26
C. Combination Residential Facilitiesp. 30
1. Multi-Level Residencesp. 30
2. Continuing Care Retirement Communities (CCRCs)p. 32
4 Nursing Facilities
A. Levels of Carep. 5
1. Hospital-Based Skilled Nursing Facilitiesp. 6
2. Skilled Nursing Facilitiesp. 7
3. Intermediate Care Facilitiesp. 7
4. Custodial Care Facilitiesp. 8
5. Facilities for Alzheimer's or Dementia Sufferersp. 8
B. Choosing the Right Facilityp. 9
1. Ownership and Managementp. 10
2. Costp. 12
3. The Facilityp. 12
4. Services and Activitiesp. 18
5. Other Residentsp. 24
6. Staffp. 26
7. Foodp. 28
8. Family Involvementp. 30
9. Decision-Makingp. 30
C. Entering a Formal Residence Contractp. 32
1. What to Look for in a Written Agreementp. 33
5 Medicare and Veterans' Benefits
A. Medicare Coverage for Long-Term Carep. 3
1. Skilled Nursing Facility Carep. 5
2. Medicare Home Care Coveragep. 7
B. Veterans' Benefits for Long-Term Carep. 11
1. Eligibility for Veterans' Benefitsp. 11
2. Home Health Care Covered by Veterans' Benefitsp. 12
3. Nursing Facility Care Covered by Veterans' Benefitsp. 12
6 Medicaid Coverage for Long-Term Care
A. Eligibility for Medicaidp. 3
1. Home Care: Income and Asset Limitsp. 4
2. Special Nursing Facility Medicaid Rulesp. 6
B. What Medicaid Pays forp. 12
1. Medicaid-Certified Providers Onlyp. 12
2. Medicaid Home Care Coveragep. 13
3. Medicaid Nursing Facility Coveragep. 14
C. Finding Out About Medicaid in Your Statep. 16
D. What to do if You are Denied Medicaid Coveragep. 18
7 Medicaid and Asset Protection
A. Medicaid Rules on Transfer of Assetsp. 2
1. Penalized Transfersp. 2
2. Permissible Transfersp. 5
B. Removing Assets from Medicaid Considerationp. 7
1. Transfers 36 Months Before Medicaid Applicationp. 7
2. Investments in Your Homep. 8
3. Investing in Other Exempt Assetsp. 14
4. Transferring Non-Exempt Assets to At-Home Spousep. 14
5. Transferring Assets to Children or Othersp. 15
6. Payments to Children for Servicesp. 16
7. Medicaid and Divorcep. 16
8. Special Insurance Available in Some Statesp. 18
8. Protecting Choices About Medical Care and Finances
A. Health Care Decisionsp. 2
1. Documents Protecting Medical Care Choicesp. 3
2. Differences Among Medical Care Documentsp. 4
3. What to Include in a Medical Directivep. 5
4. Choosing a Health Care Attorney-in-Fact or Proxyp. 7
5. Changing Your Mind--and Documentsp. 8
6. Legal Rules and Conditionsp. 9
7. Obtaining the Right Medical Directive Formp. 11
8. What to Do With Your Completed Documentsp. 12
B. Powers of Attorney for Financesp. 13
1. Powers of Attorney and Medicaidp. 14
C. Guardianships and Conservatorshipsp. 15
1. Financial Conservatorship or Guardianshipp. 16
2. Full Guardianshipp. 17
9 Estate Planning: Controlling Your Money and Property
A. The Basic Need: A Willp. 5
B. Avoiding Probatep. 5
1. Joint Tenancyp. 6
2. Pay-on-Death Accounts, Stocks and Bondsp. 9
3. Life Insurancep. 9
4. Retirement Accountsp. 10
5. Living Trustsp. 10
C. Saving on Estate Taxesp. 12
1. Marital Trustsp. 14
2. Giftsp. 15
3. State Death Taxesp. 17
D. Managing Propertyp. 18
10 Long-Term Care Insurance
A. Risks and Benefitsp. 3
B. Warnings About Insurance Practicesp. 9
C. Extent of Coveragep. 12
1. Custodial Care Nursing Facilitiesp. 13
2. Assisted Living Facilitiesp. 13
3. Home and Community Carep. 15
D. Coverage Conditions and Exclusionsp. 17
1. Prior Hospital or Skilled Nursing Facility Stayp. 17
2. Pre-Existing Condition Exclusionp. 19
3. Qualifying for Benefits: Necessity of Carep. 20
E. Premiums and Terms of Renewalp. 22
1. Initial Premium Costp. 22
2. Terms of Renewal or Premium Hikesp. 23
3. Waiver of Premiumsp. 26
F. Benefit Amountsp. 27
1. Flexible Benefit Pay-Outp. 28
2. Elimination or Waiting Periodp. 29
3. Inflation Protectionp. 30
G. Refund Provisionsp. 31
1. Non-Forfeiture Provisionsp. 32
2. Reduced Paid-Up Provisionsp. 32
3. Death Refundsp. 32
4. Survivorship Provisionsp. 33
Appendix Resource Directory
Aging, State Officesp. 2
Caregiver Support Groupsp. 5
Home Care, Community Programs and Senior Residencesp. 6
National Organizationsp. 6
State Associationsp. 9
Insurance--Long-Term Carep. 12
State Departments of Insurancep. 12
State Offices on Agingp. 12
Legal Assistancep. 13
Licensing and Certificationp. 15
Agencies on Nursing Care Standardsp. 15
Nursing Facility License and Certification Officesp. 19
Nursing Facility and Alternative Residence Organizationsp. 23
Ombudsman Officesp. 24
Reverse Mortgage and Home Equity Conversion Assistancep. 27
Viatical Settlement Assistancep. 28