Contrary to popular belief, it is common that Medicare and private health plans do not cover the cost of long term care, i.e., nursing home, and/or certified medical assistance in the home or assisted living. The only way to protect oneself is to plan for the future. This means either taking out long term care insurance, provided you can be underwritten and it is affordable, or it means qualifying for the government program known as Medicaid. There are many different Medicaid programs available. The best medical planning is done at least 5 years in advance, but can be done at any time, even at the time of admission.
In addition to Medicaid, there are numerous additional public/government benefits/programs available to the elderly, disabled, and persons of low-income including but not limited to Social Security, Medicare, Supplemental Security Income (SSI), and Social Security Disability Insurance (SSDI). Eligibility for such benefits and for Medicaid in particular, can be extremely complex and vary case by case.
If you or a loved one believe that you are eligible for one or more government programs/benefits, The Law Office of Sarah L. Golombek, LLC can assist you in determining which program you may be eligible for, in addition to helping you navigate through the complicated application process. The Law Office of Sarah L. Golombek, LLC can also assist those wanting to plan in advance for their public benefit eligibility.
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