Elder Law
Americans are living longer than ever before.
Many people will require some type of long-term care during their lifetime. In fact, approximately half of all women and one in four men find themselves in a nursing home at some point in their lives. The cost of such care is already high and climbing ever higher, and currently averages around $10,000 a month or more, depending on where you live. It is not surprising, then, that many families lose their entire life savings within the first year of a prolonged nursing home stay. Call our office to schedule a consultation to learn more about how a proper estate plan can make a big difference to you and your family.
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Long-Term Care Planning
Sometimes the need for long-term care planning happens suddenly,
a health crisis or an accident sends a loved one into the hospital and nursing home care is imminent. The attorneys at Huron Valley Law Center are here to help you in the event of a crisis. We can walk you through what options are available and get planning into place quickly.
More often though, the need for long-term care develops gradually over time. Families and individuals face many unknowns when struggling with long-term care issues – who is going to provide care? Where will the care be provided? And hovering over all of these decisions – how are we going to pay for this?
That is why Huron Valley Law Center offers Long-Term Care Phase Planning. We believe that having proper planning in place before a crisis provides clients and their families with the most options and ensures better quality of life. We encourage our clients to begin planning early and to meet with us regularly to update us on their situation so that we can adjust their planning as needed.
Huron Valley Law Center has attorneys that specialize in estate planning and elder law, which is critical when dealing with long-term care issues. Contact us for a consultation with one of our attorneys to learn how long-term care phase planning works and why it is important for you and your family.
Long Term Care Insurance
you may be able to protect and preserve your other assets from the costs of long-term care
If you have a long-term care insurance policy, you may be able to protect and preserve your other assets from the costs of long-term care. However, not all long-term care insurance policies are created equal. It is important to know what your insurance covers and what it does not. There may be certain types of long-term care that are covered, and others that are excluded. It is also important to know what your deductible is and if your policy has a waiting period before benefits are paid. Helping our clients understand their long-term care insurance policies is one of the many ways that Huron Valley Law Center provides our clients with more value and peace of mind.
Assistance From Medicaid
America’s largest payer of nursing home costs: Medicaid
Medicaid is a joint State-Federal program that provides medical assistance to persons who are blind, disabled, or over age 65 and meet financial eligibility requirements. As America’s largest payer of nursing home costs, Medicaid provides care for people who have no other way to pay for long-term care costs.
There is a lot of misinformation out there regarding Medicaid eligibility rules. Federal law and State policy related to Medicaid are constantly changing. Accordingly, families should seek the assistance of experienced elder law attorneys, like us, to help understand the complex process of qualifying for Medicaid benefits.
Disability Estate Administration
At Huron Valley Law Center, our attorneys understand that a disability can be difficult to deal with.
We work with you to determine who will take care of you and your assets if you are unable to, where and how you will receive care, and how the care will be paid for.
If you are an adult child that finds yourself taking over the care of your parent, we can work with you to make sure that the proper legal documents are in place that allow you to care for your parent and their assets without going to probate court. Please contact our office to schedule an appointment if you need additional information on disability estate administration.