It’s an unfortunate fact of aging that most seniors will require a stay at a long-term care center. Some stays are brief, such as when a nursing home is necessary for rehabilitation. Others are more permanent, especially in cases of dementia or Alzheimer’s disease. If you are struggling with finding and paying for the right long-term care center for your parent in Ohio, here are some things you need to know.
Appropriate Level of Care
The first thing you need to know when considering a long-term care center is the level of care your parent requires. Long-term care encompasses many different levels of care, so it’s important to match up the care center with the individual needs of your parent. Different types of centers include skilled nursing and rehabilitation or nursing home, custodial care or assisted living communities, and intermediate care or independent living communities. While it’s not always possible to plan ahead for nursing home care, especially if it comes as the result of an emergency or accident, it may be a good idea to become familiar with some of the long-term care centers in your area. When the time comes for long-term care, an elder law attorney can assist you in helping to determine the level of care required for your parent by guiding you through a needs assessment process and making connections to the appropriate long-term care center.
Paying for Long-term Care
Another important concern is how to pay for your parent’s long-term care. Care centers often cost anywhere from $3,000 to $10,000 per month, depending on the level of care required. Long-term care insurance policies may help defray some of these costs, but very rarely do those policies cover the entire amount needed. Special benefits are available to veterans through the VA, and Medicare may help pay for a very short amount of time in a nursing home. Medicaid is the most common option to help pay for long-term care, but there are strict eligibility requirements attached to that assistance, and it is very easy to become disqualified from that care if your parent exceeds asset or income limits or has made gifts of their assets. It is important to speak with an Ohio elder law attorney to review your available options and determine the best course of action to pay for your parent’s long-term care.
For more information about long-term care centers and how to make the best choice for your elderly parent, please call our elder law office at 877-653-3450 to schedule a complimentary initial consultation.