Are you a senior adult living in Florida and getting ready to enjoy your golden years? If so, are you doing any planning for your future including any long-term care needs you may have? Are you depending on your current health insurance? Are you certain you will be covered? We would like to discuss with you more about planning for long-term care in the Sunshine State.
Are you planning for Medicare to cover any long-term care costs you may have? This may not work. Even if you use Medicare for your health insurance because you are over 65, Medicare will not cover much in the way of long-term care, whether in a nursing home or in your own home. Medicare is what most senior adults use for health insurance, but it has an extremely limited nursing home benefit, covering only up to 100 days of care and only in some circumstances. It is not a reliable source of coverage if you end up needing actual long-term care.
There may be family resources for seniors. Some senior adults may plan to rely on family members to help as they get older. Either adult children or other relatives can come to your home regularly or you may be able to move in with them. The difficulty may be that with different generations living in different parts of the country, in-person consistent help from family might not be something you can rely on. In addition, your children may be raising little ones at the same time you need the most help.
If you cannot turn to family or friends, where could you turn? A great first step would be to contact an experienced Florida elder law attorney. In fact, you should consult with a Florida elder law attorney who specializes in Medicaid planning. She can find out whether you qualify for Medicaid or how you can plan to qualify for Medicaid when the need for long-term care arises. Qualification depends on your income and assets at the time of your application for coverage. With this knowledge and advice, the sooner you meet with a Florida Medicaid attorney, the better the attorney may be able to help you plan for the future. If you are able to qualify for coverage, Medicaid will cover all nursing home costs you may need in the future.
At Britton G. Swank, P.A., our mission is to guide you in the right direction to help you provide for yourself and your loved ones no matter what the future holds. We want to help you control the assets you have, leave them to people and causes you care about, when you want, in the way you want. We can help you take care of yourself and those you love in the event of disability due to illness, injury or old age. No matter what risks unfold, we can help give you the comfort of knowing you are prepared. We want you to feel good about your future and the future of your loved ones. We encourage you to contact us and schedule a meeting.