Paying for care
A care home is priced like a second mortgage. There are ways through.
We help families work out how care gets paid for, then fill in the applications that make it happen.
The right answer depends on the parent’s health, the house and the household’s savings. We start with the monthly numbers and work backward, and we are plain about what cannot be done.
What we do
A one-page plan that compares the ways to pay
Medicaid and veterans benefit applications prepared and filed
Advice on the house, the car and the accounts, before anything is moved
The options
Four ways care gets paid for
Most families end up with a mix. We explain each one before recommending any of them.
Savings and income
Paying out of pocket is where most people start. We help you see how long that lasts.
Medicaid
A public program that pays for nursing home and some home care once income and savings are low enough. The rules on gifts and timing are strict.
Veterans benefits
Some veterans and surviving spouses qualify for a monthly benefit toward care. The application is long and we do it with you.
Long-term care insurance
If a policy exists, we read it with you to see what it covers and how to start a claim.
Questions
Care costs, in plain English
Will I lose my parent’s house?
Not necessarily. There are lawful ways to protect a home, and some are only available if you plan early. Do not retitle anything before we talk.
Can we just give the money to the kids?
Gifts can delay Medicaid eligibility for a long time. Talk to us before giving anything away, even small amounts.
When should we start?
The best time is before a crisis. The second best is today. We can plan around a parent already in a care home.
Do you handle the application itself?
Yes. We gather the records, fill in the forms, file them and answer the agency’s follow-up questions.
Will you come to the hospital or care home?
Yes, when travel is hard. Tell us when you call and we will arrange a visit.
Bring the last three months of bills.
That is nearly all we need to give you a first picture, and the call is free.
Fees are quoted in writing before work starts; court and filing costs are separate.