Options for Paying for Care
If a loved one needs long-term care, how will you pay for it? For many families, public programs like Medicaid Title XIX and VA benefits can be a lifesaver—but only if you can jump through all the hoops. The rules and regulations surrounding public benefits such as Medicaid are constantly changing and the requirements to qualify for and retain these benefits are a moving target. Many people who attempt to navigate the public benefits maze quickly learn that it’s not a do-it-yourself project. Errors can jeopardize eligibility, causing benefits to be delayed or denied. That’s where Drazen Law Group, LLC can help.
Comprehensive Medicaid and VA Benefits Strategies
Our attorneys have represented hundreds of clients to ensure that elders and disabled individuals can pay for needed services, whether it’s care that enables them to live independently at home or care in a long-term facility like a nursing home. The professionals at Drazen Law Group, LLC have a thorough understanding of all the program requirements, including allowable income and assets levels, penalties for property gifting, allowable exemptions for property transfers, the deployment of trusts, and other options that can be used to achieve and maintain eligibility. We assist in applications and represent claimants in appeals and other ongoing legal actions before the Connecticut Office of Medicaid, Veterans Administration, and a number of state and federal service agencies.
Drazen Law Group, LLC attorneys can assist you with the following
- Medicaid Title XIX
- Veteran’s Aid & Attendance and other VA benefits
- Center for Medicare and Medicaid Services (CMS)
- Veterans Administration (VA)
We can provide advice for current eligibility or future planning. We can assist in preparation of the application from the initial claim through the administrative hearing procedure, as well as court appeals. Our expertise and familiarity with agency procedures often enables us to streamline the process and obtain positive results as quickly as possible.
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Find answers to common questions about Medicaid and VA Benefits.
I have Medicare, so why do I have to worry about Medicaid?
Medicare is a federal health insurance program for individuals who are over 65 or disabled. It covers most medical costs, but it does not cover any long-term care expenses. Medicare will cover a rehabilitation stay at a nursing home, but benefits are limited.
What is Medicaid?
Medicaid is federal welfare program that is administered by the states. Medicaid pays for medical care for qualifying low income and needy individuals including the aged (over 65), blind and disabled.
Do I have to go into a nursing home if I need care?
The State of Connecticut has many programs which help an individual stay at home and still receive the care they need, as long as it is deemed to be a safe environment. The programs are complicated however, each with its own set of rules and regulations.
If I have to go into a nursing home, will the state take my home?
The state does maintain a right to recover what it has paid out, and without proper planning, the state will put a lien on your home equal to the amount they have paid. But there are certain exemptions that we can take advantage of, so through proper planning, we are often able to protect someone’s home as well as assets.
Can I just give my house and assets away in order to qualify for Medicaid?
The state has a 5 year look back period during which gifts are not allowed. But there are certain exceptions where we are allowed to transfer assets or even the entire home, such as if a child is living in the home as a caregiver.
My loved one is already in a nursing home, is it too late to plan?
The earlier you plan, the more options you have – but it is never too late to plan. Long-term care is complicated and expensive, but with the proper planning you can gain some peace of mind that you did what was right.
The Drazen Law Toolkit
As part of the Pathways to Prosperity ® Process, Drazen Law Group, LLC’s employs Connecticut’s most comprehensive array of legal and financial services to help you during your wealth accumulation journey and to prepare you for whatever the future brings.
Life Care Planning | Estate Planning | Elder Law | Asset Protection | Disability Planning | Pet Trusts | Tax/Estate Tax Planning | Long-Term Care Planning | Care Coordination | Trust Administration | Probate | Conservatorship/Guardianship | Special Needs Planning | Business Continuation/Succession Planning | Real Estate | Special Needs Planning with Lawsuit Proceeds | Planning for Same Sex Couples, Unmarried Couples, Blended Families & Singles
For more information or to schedule a consultation, contact Drazen Law Group, LLC at (203) 877-7511