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Atlanta Georgia Elder Care And Special Needs Planning Blog

Medicaid planning and the family home

Parents want to take care of their children. This is generally true regardless of how old their children are. Even when the Georgia parent is past retirement age and beginning to become worried about Medicaid planning and the possibility of nursing home care being required, the parent will often attempt to find a way to both take care of his/her Medicaid concerns and also make sure that the children receive their anticipated inheritance.

One way that older parents may attempt to protect their children's inheritance is by going ahead and giving the family home to the children. This is often done by using a quit claim deed granting ownership to the children. Unfortunately, there can be several problems with this. In addition to the home now being vulnerable to the children's creditors and the possibility of increased taxes in the long run, this action may prohibit the individual from receiving Medicaid benefits when they are needed most.

Guardianship is often part of special needs planning

Like parents everywhere, most Georgia parents will do whatever they have to in order to make sure their children grow up safe, happy and loved. They want their children to have all the opportunities available to them as they grow. For parents of children with special needs, this usually takes on a new meaning. Providing the best life possible usually requires some special needs planning, which may involve a guardianship.

Children with special needs usually require assistance well into adulthood. However, the law considers them adults when they reach the age of majority, which means that parents lose some legal rights to help their children. To rectify this problem, Georgia parents can pursue a guardianship. This allows them to provide much needed assistance to their children and make decisions for them their children would not otherwise be able to make on their own.

Focus on a good estate plan to help your caregiver

As someone who may need a caregiver, you want to make sure that you are provided for while not placing too much of a burden on your loved ones. You want to stay in your home in old age, but you also realize how restrictive that can be for caregivers you're related to.

To ask someone in your life to be a caregiver is significant. You're essentially asking for someone to care for you like they might care for a child. They will need a break.

Visitation halted in many Atlanta nursing homes

The country is in the middle of a national health crisis, and the nation's elderly are part of the most vulnerable population. Atlanta nursing homes are taking drastic measures to try to protect their residents, but that means that family members are not able to visit and check in on their loved ones right now. Many people are worried that their loved ones will not receive the care they planned for over the years.

Nursing home neglect and abuse are a problem throughout the country. It is just one reason why people take the time to plan in order to afford facilities they believe will provide the appropriate level of care and keep their loved ones safe. Unfortunately, right now, families cannot know form themselves their elderly family members are receiving the care they deserve.

Things to consider when looking for nursing home care

As the population ages, more people will begin looking for a place to receive help with daily activities and medical needs. With different levels of nursing home care available, it could take some time to choose the right place. Atlanta has a variety of places for every income and need level, and choosing the right home requires careful consideration.

One of the first considerations is the staff. With far too many news stories about abuse and neglect, asking a plethora of questions about their training, experience and education just makes sense. What is the staff to patient ratio? An understaffed nursing home often leads to neglect, if not abuse.

Will a portion of your assets go to Medicaid estate recovery?

Like other Atlanta residents, you may not have known that your estate may be responsible for paying back certain federal benefits you receive at the end of your life. For example, if your estate is valued at more than $25,000, you owned a home at the time of your death and you received Medicaid benefits, the state of Georgia may be required to put a lien on your home in order to recover the monetary value of those benefits. With the right planning, it may be possible to avoid this eventuality.

You more than likely want to make sure that your loved ones receive as much of your estate as possible, so you will need to take steps to help ensure that happens. Nursing homes are expensive, and many people rely on Medicaid to afford them. When you move out of your family home and into a home using these benefits, the fate of your home, and those family members still living there, may be jeopardized if your name is still on the deed.

Addressing medical concerns in a long-term care policy

As studies indicate the average lifespan of individuals in Georgia and elsewhere is on the rise, it might not be uncommon to encounter new and unique challenges while planning for the future. An extended lifespan may increase the risks a person might develop debilitating health concerns that can make it challenging to remain self-sufficient. Understanding how conditions such as Alzheimer's disease might impact a person's life and knowing the available options to help develop an effective long-term care policy could be vital to meeting his or her needs throughout the remainder of life.

While there are a variety of medical conditions that create challenges in self-sufficiency later in life, studies indicate that Alzheimer's alone affects nearly six million Americans. As such conditions can have a significant impact on a person's physical and mental capabilities, having a plan in place to provide for one's needs later in life could prove vital. However, with a variety of topics to address when forming a long-term care policy, such endeavors can be somewhat complex in nature.

Important points about Georgia's Nursing Home Medicaid

Qualifying for Nursing Home Medicaid is a complex process that comes with a lot of rules. Understanding all of these can be quite difficult, especially if you aren't familiar with the program. It is imperative that you learn a bit about what you can expect if the time comes for you to need this coverage.

The Nursing Home Medicaid program in Georgia is run by the federal and state governments. What do you need to know when considering your options?

Medicaid recipients may benefit from drug price legislation

Many people in this country rely on Medicaid for health cost coverage. The reasons for doing so are as varied as the people who need it. Many of them rely on prescription drugs to improve their quality of life, but costs of many prescriptions have gone up in recent years. Even with Medicaid coverage, many people struggle to afford their necessary medication. Here in Georgia, several lawmakers are considering legislation that may help lower drug prices, though critics of the measure say the opposite will occur.

The bill going through the senate wants to target pharmacy benefits managers who represent insurance companies. Their job is to negotiate with both drug companies and pharmacies over the prices of prescription drugs. Supporters of the bill say it would help patients get their medication when they need it and make these negotiations more transparent.

A traditional long-term care policy may not be the best option

Many Atlanta residents enjoy planning for the future, as long as it is a happy one. They may hesitate to think about planning for less jovial events, such as long-term care planning. Who can blame them? It is not pleasant to think about not being able to care for themselves in their old age. However, the odds are that at least some of this type of care will be needed at some point in the future.

Long-term care insurance used to be a good option to cover costs, but now only a handful of companies even offer these policies. Some of the problems included a lack of death benefits, difficulty qualifying and high premiums. New options are now available that could provide a better way to go.

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