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C. L O N G - T E R M C A R E I N S U R A N C E.
Long-term care insurance (“LTCI”) is the best choice for paying for long-term care costs. Also, a typical LTCI policy covers a broad range of services, including home health care, assisted living, and nursing home expenses. However, the dilemma for most individuals is that if they wait too long to acquire a LTCI policy, and their health deteriorates or they show signs of needing long-term care assistance, the LTCI company will not issue a policy to them. Furthermore, a number of the carriers are pulling out of the California market and are no longer offering policies.
D. M E D I - C A L.
Medi-Cal is a federal/state entitlement program which funds nursing home long-term care costs associated to individuals with low incomes, and very little resources/assets. The general guide lines of the Medi-Cal Program are set forth in Federal Law.
These federal statutes are found in Title XIX of the Social Security Act, 42 USC § 1396 et. seq., 42 CFR § 430 et. seq., and 20 CFR §416 et.seq.With the federal government providing a significant portion of the financing for the Medi-Cal program, in order for an individual state to receive federal funding, the state must comply with the applicable federal statues and regulations.
The Centers for Medicare and Medicaid Services (“CMS”), formerly known as the Health Care Finance Administration (HCFA), is responsible for interpreting the federal statutes, maintaining the rules and regulations, and monitoring and enforcing state compliance with federal law.
HOW DO I QUALIFY FOR MEDI-CAL?
Your best resource for understanding Medi-Cal is to seek help from an Elder Law Attorney who
is up to date with current rules and regulations promulgated by the
Care Services Department of Health.
Let us help you receive the entitlements
that are available to you.
A. P E R S O N A L S A V I N G S
With a sizeable net worth, an individual may be able to employ this option. However, it is well-known fact that nearly half of all nursing home residents run out of money and find it necessary to qualify for the Medi-Cal benefits within the first year of their stay.
B. M E D I C A R E
Many individuals mistakenly believe that the Medicare Program will cover the entire cost of a nursing home stay. However, they are wrong! In fact, the Medicare Program only provides coverage for skilled nursing home care, with a maximum of 100 bed days.
Additionally, Medicare does not provide any coverage for the most common type of nursing home care, which is defined as “custodial care.”
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