The practice of Elder Law is not limited to one specific area of law. Elder Law instead focuses on a specific type of client – senior citizens – and their specialized legal needs.
- Is your spouse or parent recovering from a stroke?
- Has your parent just been diagnosed with Alzheimer’s or another debilitating disease?
- Is nursing home care imminent for your loved one?
Facing long-term care in a nursing home is one of the most stressful experiences a family can go through, often creating anxiety about the high cost of care and the quality. The annual cost of nursing home care in Massachusetts can top $125,000 per year.
Insurance plans, including Medicare, may cover most of the medical expenses of a hospitalization or illness but will provide little or no coverage for nursing home care. Medicaid, known as MassHealth in Massachusetts, is a joint federal-state public benefits program that may pay for the high costs of long-term care. However, MassHealth (Medicaid) has a complex set of eligibility rules. It has become increasingly difficult to plan for MassHealth (Medicaid) coverage of long-term nursing home stays due to changes in MassHealth (Medicaid) and the interpretations by MassHealth caseworkers. It’s never advisable to apply for MassHealth (Medicaid) coverage of a nursing home stay on your own. Just one mistake could cost tens of thousands of dollars in missed eligibility coverage. Often times people’s perceptions of MassHealth (Medicaid) are incorrect. We will clarify the often confusing, MassHealth (Medicaid) eligibility rules, evaluate your personal situation, and develop a long-term plan that is within your means.
To qualify for MassHealth (Medicaid) coverage of nursing home care, spouses cannot have more than $125,600 in countable assets and an individual cannot have more than $2,000 in countable assets. However, you may be able to retain many assets and still qualify for MassHealth (Medicaid). For example, it is a common misconception that your home must be sold in order to qualify. In certain situations your home is actually treated as a non-countable asset. There are also strict income eligibility rules that must be met in order to qualify for Medicaid (MassHealth) coverage of your nursing home stay.
Let Vickstrom Law, PC, a firm experienced in Elder Law, assess your potential eligibility for MassHealth (Medicaid) and guide you through the application process.