If a loved one is facing a long-term nursing home stay, there is a good chance that qualifying for Medicaid assistance will become important. Ohio’s Medicaid program pays for 70% of all nursing home costs.
Reducing and preserving assets within Medicaid rules is complicated. Documentation requirements are extensive and timing is important. All too frequently, the case workers who judge Medicaid applications make mistakes that cause delay and cost families thousands of dollars.
So where to turn for help?
Most nursing homes will offer advice or assistance but they are only familiar with the simplest situations, and their primary concern is not preserving your assets for someone you care about—your spouse, your children, your grandchildren. Being in business, they would prefer that your assets be spent paying for your care at their private rate of care rather than Medicaid paying at its lower rate.
Nor are the Medicaid case workers reliable sources of advice. Being trained to hold the public’s interest above anyone’s private interest, their goal may be to save the government money, and thus are aligned more with the nursing homes rather than the family. Preserving assets is not in their job description.
Families coping with the time-consuming and emotionally draining experience of a loved one’s nursing home stay should not be further burdened by the confusion and uncertainty of the financial implications. They need someone who will guide them through the maze of Medicaid rules and insure that as many assets are preserved as possible.
Our attorneys have been doing that for twenty-five years, and are privileged to have helped thousands of people in crisis. We welcome the challenges, and derive deep satisfaction from our success.