What's the Difference Between Medicare and Medicaid in the Context of Long-Term Care?
Although their names are confusingly alike, Medicaid and Medicare are quite different programs.
Read moreLocal Elder Law Attorneys in Your City
Robert L. Kane, MD, and Joan C. West. It Shouldn't Be This Way: The Failure of Long-Term Care. (Vanderbilt University Press, Nashville, TN: 2005. 180 pages.)
Price: $13.45 from Amazon.com '“ click on book to order.
If anyone could assure his mother a good experience in navigating our nation's long-term care system, you would think it would be a nationally known gerontologist who specializes in studying the delivery of long-term care services.
But despite his considerable expertise, Robert L. Kane, MD, who holds an endowed chair in long-term care and aging at the Minnesota School of Public Health, had a very tough time finding suitable care for his mother, Ruth Kane, after she suffered a debilitating stroke in 1999.
Over the course of three years, Kane and his sister Joan C. West, an education professor, moved their mother from a hospital to rehabilitation to assisted living and finally to a nursing home. In the process, they learned first-hand what they already knew intellectually: that traversing our long-term care system is a terrible ordeal and that the system is, in their words, a "national disgrace."
Kane and West recount their mother's story in this book, imparting the lessons they learned from each phase of the experience in hopes that it will help prepare other adult children and family members for what they are likely to face. They discovered, for example, that hospital discharge planners are overburdened and often regard "the first train leaving the station as the best one regardless of its destination." They also found that the term 'assisted living' "has come to mean anything a vendor wants it to."
Kane and West provide practical suggestions and cautions on how to approach problems encountered, and each chapter ends with a set of formal lessons that are derived from each element of their experience.
But Kane and West stress that there is only so much preparation that families can do in finding their way through an essentially unworkable system. They therefore intend It Shouldn't Be This Way to also serve as "a call to action" to make long-term care more humane and affordable for the frail elderly. Of paramount importance, they argue, is both better pay for those who provide direct care to the elderly and a change so that such jobs are looked upon as a noble calling. They also see much promise in the increasing use of nurse practitioners, rather than doctors, in long-term care settings. Finally, they say it's time for a nationwide program that will deliver long-term care to all, either using public monies alone or a combination of public and private funds.
To read more about the book on Amazon.com, click here.
To read an article in the New York Times about the struggles of Dr. Kane and his wife, Rosalie, to care for their aging parents, click here. (Article may no longer be available free of charge.)
Although their names are confusingly alike, Medicaid and Medicare are quite different programs.
Read moreAn ElderLawAnswers survey of elder law attorneys finds that most have long-term care insurance . . .
Read moreA new study by Boston College's Center for Retirement Research indicates that purchasing long-term care insurance makes finan...
Read moreI am 75 and my fiance is 82. We would like to get married, but he is afraid that if I would need to be in a nursing home down...
Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MORELearn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MOREGet a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.
READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
READ MOREExplore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.
READ MORE