Sea Girt  (732) 974-8898         Middletown  (732) 706-8008

Getting Mom into a Home

by | Feb 2, 2014 | Medicaid Planning, Nursing Homes & Assisted Living

There are few people who want to live in a nursing home.  In fact, I have never met any person who wants to live in a nursing home when faced with the actual prospect of living in one.

With that said, there comes a time when people do have to live in a nursing home.  Some people’s care needs are so high that there family cannot care for them at home or they cannot receive the necessary care in an assisted living residence.

Many people seem to equate a family member’s residing in a nursing home with some sort of failure.  As if mom’s living in a nursing home means that the family failed to provide the care that could have kept her at home.  This simply is not the case.  In fact, failing to provide mom with the care she needs at home could be far more detrimental to her than living in a nursing home.

With that said, not all nursing homes are alike.  Some nursing homes are much nicer than others.  In order to obtain a fairly accurate ranking of nursing homes in your area, I recommend that you visit the Medicare website, www.Medicare.gov.

This site provides a ranking of nursing homes in a given area based on several criteria.  I have found the rankings on this site to be fairly in line with my general thoughts on a given nursing home.

I would also recommend that you personally visit nursing homes in your area to get a feel for the home.  You should arrive at the home unscheduled and request a tour.  You do not want to give the home the opportunity to stage your experience.

Once you have found a nursing home that you like, the question that may arise is, How do we get mom into this nursing home given her assets and income?  A nursing home can cost anywhere from $8,500 to $12,000 a month.  The better homes are in the $10,000 to $12,000 range.  Obviously, that is a lot of money on a yearly basis, and few people have sufficient assets to pay for that care for an extended period of time.

Most people enter a nursing home after being discharged from a hospital.  They enter the home for rehabilitation purposes.  Most of these patients/residents only expect to reside in the nursing home for several days to several months, and most will, in fact, only reside there for that length of time.

On the other hand, there are those nursing home residents who simply do not rehabilitated sufficiently to return home.  For these residents, the nursing home may become their permanently home.

Every week, I meet with clients who tell me that mom is in a rehabilitation center and they would like to get her into a nursing home.  When I tell them that mom is already in a nursing home, they often become incredulous, almost refusing to believe that the rehabilitation center is a nursing home.  I assure them that it is.

More importantly, once the nursing home has accepted mom as a rehabilitation patient/resident, the home, in most instances, cannot discharge mom if mom is desirous of becoming a long-term resident; this is true even if mom is going to qualify for Medicaid benefits immediately.

The nursing home may tell the family that they do not have a Medicaid bed or that there is a waiting list, but the fact of the matter is, mom is already in a bed in the facility and in almost every nursing home in New Jersey, every bed is dual certified for Medicare (which pays for rehab) and Medicaid.  So, the reality is, mom is already in a Medicaid bed.

This can be very helpful to a family that is feeling pressured by the facility and would prefer that mom stay put.

Categories

Recent Posts

The Hidden Tax Break

When it comes to real estate, most people focus on the obvious—mortgage rates and neighborhood values. But there’s a quieter financial reality lurking in the tax code that can make an enormous difference to families: the step-up in basis. It’s an under-appreciated...

Putting Your House in Trust: A Key Step in Medicaid Planning

When it comes to protecting assets from the high cost of long-term care, few strategies are as powerful—or as misunderstood—as placing your home in trust. In my practice, I work with clients every day who are either actively receiving care in a nursing home or...

Why Every Adult Should Have an Advance Health Care Directive

One of the most essential documents every adult should have—regardless of age or health status—is an advance health care directive, also commonly known as a living will, health care proxy, or health care power of attorney. Despite the slightly different names, these...

Putting Your House in Trust: Planning Ahead for Long-Term Care

When it comes to Medicaid planning, the sooner you start, the better. A large part of my legal practice focuses on helping clients qualify for Medicaid—either immediately when they're facing the high cost of nursing home care or proactively, in case long-term care...

Delayed Medicaid Decisions Threaten Long-Term Care Access

A colleague of mine recently won a Medicaid appeal that highlights an increasingly common problem: excessive delays in processing applications. Medicaid, the joint federal and state health program, has been in the news due to proposed reforms, including those in the...

Archives

Additional Articles

The Hidden Tax Break

When it comes to real estate, most people focus on the obvious—mortgage rates and neighborhood values. But there’s a quieter financial reality...

To schedule a consultation with the Law Offices of John W. Callinan, call our office closest to you:
Sea Girt  (732) 974-8898         Middletown  (732) 706-8008