A Long-Term Care Attorney Can Help You Plan for Your Future

Good planning can help ensure that you have the knowledge and resources to handle the likelihood of long-term care. A long-term care attorney at Deason Garner & Hansen Law Firm can offer the expertise you need. Our team can also help create a personalized plan and offer guidance so your wishes will be carried out as you intended, should the situation arise.

What Constitutes Long-term Care?
Did you know that 70% of Americans age 65 and older will be incapacitated for a period of up to 25 months before they die? For this reason, it is important that you have planned in advance for whatever needs arise. Keep in mind that you may need short-term care for temporary incapacity from surgery or an injury. You may also need long-term care due to an accident or a chronic health issue, such as heart disease. Whatever type of care you require, it is important for you to have the proper planning in place to care for your unique needs.

Long-term care refers to services and supports that you may require to satisfy your personal care needs over many months or years. These needs, which are commonly referred to as activities of daily living (ADLs), may include:

  • Bathing
  • Dressing
  • Using the bathroom
  • Eating
  • Transferring to a chair or bed
  • Caring for incontinence

Other considerations can include assistance with housework, paying bills, taking medications, meal preparation and shopping. Long-term care providers can involve unpaid family members or friends, a nurse who comes to the home, transportation services, assisted-living centers and nursing homes, among others.

Our attorneys can work with you and your family to explore ways to finance any potential long-term care needs.

Affording Long-term Care
You may need help at home with several ADLs, or you may need the care provided at a nursing home. Whatever needs you may end up having, you should plan in advance for the cost associated with that care. It can cost anywhere from $4,000-6,000 per month to live in a nursing home. An assisted living facility can cost up to $3,500 per month. Adult day care can cost up to $1,500 per month.

Medicare only pays for medically necessary care and its focus is on acute care, rather than long-term care for a disability. Medicare will also cover short-term services for conditions that are expected to improve, such as physical or occupational therapy after an accident. Under certain conditions, Medicare will help pay for a short stay in a skilled nursing facility, for home healthcare or for hospice care.

Like Medicare, health and disability insurance are not intended to cover long-term care. Our attorneys can work with you and your family to explore ways to finance any potential long-term care needs. One option to consider is long-term care insurance. As your health declines with age, you may not qualify for long-term care insurance, so it is important to start planning for long-term care when you are younger and healthier. Depending on your policy, it is possible to use life insurance to pay for long-term care needs. Other options for paying for long-term care include annuities, reverse mortgages, and trusts. Our attorneys are experts at navigating long-term care options and determining the best way to finance these types of care.

What Is ALTCS?
ALTCS is the Arizona Long Term Care System. It is part of the Arizona Medicaid Program and is designed for people who are 65 and older, physically or mentally disabled, or both, and need to enter a skilled nursing facility or assisted living facility. Many people can also receive services in their home. In order to receive benefits under ALTCS, there are general, medical, and financial requirements that need to be met. The attorneys can guide you through this complex process.

Learn More During a Consultation
Most people will need long-term care at some point during their lifetime. Shawn D. Garner and Adam D. Hansen have the expertise to guide you in determining how best to plan for long-term care in Yuma, Arizona. Schedule your consultation by contacting our office today at (928) 783-4575.

Where Do I Start?

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Are you unsure where to start with your estate planning? Watch our seminar video to get an overview of estate planning and receive a $200 credit at Deason Garner & Hansen Law Firm. Then give us a call and make an appointment with our attorneys in Yuma, Arizona, Shawn D. Garner or Adam D. Hansen, to get started!

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