November 7, 2018

The Short Version of Veterans Aid and Attendance

By: Darleen Mahoney

This weekend, our Nation will reflect on the sacrifices that our Veterans and War Heroes have made over the years as it became a national holiday in 1938. As their sacrifices have provided safety, security and the freedom our country continues to enjoy, it’s important to know what benefits our Veterans may be eligible. Its important that they be aware and utilize what is available, especially if they find themselves in unexpected need.

According to the U.S Department of Veterans Affairs, “Elderly Veterans may be eligible for a wide-variety of benefits available to all U.S. military Veterans.”

What exactly is Aid and Attendance? Its super simple, the veteran must require help Veterans Benefitswith daily living or activities at home, assisted living, nursing home, or skilled nursing. Their need does not have to be related to any military service.

If you are applying for “Aid and Attendance” and would like benefits based on a housebound status, the Veterans Agency will allow some costs and annualized medical expenses if it’s for medical care. Those aging in place and using Home Health services do not have to be licensed. However, if the beneficiary or Veteran has been diagnosed with a cognitive disorder such as Alzheimer’s, a physician’s statement must indicate that a protective environment is in place.

If you are seeking Aid and Attendance benefits while living or would like to move to an Assisted Living or Skilled Nursing Facility, the facility will be required to sign a statement verifying the type of care being given or what they are expecting that resident to receive.  You will also be required to submit a “Care Provider Report”.

How do you know if you may qualify? Here are a few simple indictors:

  1. Age: you or surviving spouse must be 65 or older or officially disabled if younger.
  2. Period of Military Service- you must be considered a “wartime veteran”, meaning that you have served a minimum of 90 days with only one of those days during wartime dates. You did not have to serve in combat to qualify.
    1. World War II: December 7, 1941-December 31, 1946
    2. Korean War: June 27, 1950-January 31, 1955
    3. Vietnam War: August 5, 1964-May 7, 1975
    4. Gulf War: August 2, 1990-Undetermined
  3. Discharge Status: you cannot be dishonorably Discharged

Applying and understanding these benefits can get very complicated, seeking the professional guidance and advice of a licensed, professional Elder Law Attorney is encouraged to help guide you through this process. If you can receive a referral from a family friend or your Trust and Estate Planning Attorney, this may help guide you in the right direction.

If you are needing additional funds to cover the cost of Home Health services, Assisted Living, or Skilled Nursing for you and your spouse, you may qualify for:

Living Veteran                                                  Monthly Rate

Housebound Without Dependents:                       $1,340

Housebound Without Dependents:                       $1,680

Aid and Attendance W/O Dependents:                 $1,830

Aid and Attendance W/ Dependent:                     $2,169

In October 2018, the VA made new rules to fiscally qualify for benefits. The new net worth limits of $123,600 became effective. They will look at the Veteran’s overall net worth in addition to income. There are also other rules that could affect a Veteran from qualifying, seeking professional guidance may be helpful.

If you believe that you or a Veteran loved qualifies for Aid and Attendance, it can always be helpful to speak to the Assisted Living or Skilled Nursing facility that you are considering, and they may have folks who are trained to assist you through this process as well.

If you find that you or your Veteran qualify, and you begin your process to apply, you are encouraged to get organized, make sure that all your paperwork and forms are completed. Above all, do not get discouraged.

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November 2, 2018

Skilled Nursing or Assisted Living, What’s the Right Choice?

By: Darleen Mahoney

Making the right decisions for an elderly loved can be overwhelming and confusing. Often you may find yourself not really understanding what your options may be or if you even have options when it comes to be the best care of your loved one.  Clearly, you want what is best for them and what is the best facility that can manage their skilled nursing or assisted livingneeds and provide the environment that your loved one requires. Many caretakers ask themselves if they should be choosing an assisted living community or a nursing home/skilled nursing facility?

When making this decision, its important to consider your loved one’s physical, social, mental, and health needs. These will be indicators on the level of care that each will be able to provide your loved one making them a better fit.

Let’s discuss a few of the differences to better assess what each facility will be able to provide your loved and the long-term goals that you are looking to achieve or financial options available to you.

Assisted Living Communities: Typically, the residents at these communities are still active and maintain their own privacy. They may not require significant medical care or constant monitoring, but still receive 24/7 care support. They will have assistance nearby if they do need help with daily activities such as bathing, dressing, and medication. Activity programs are provided, keeping residents active and social and thriving. Although, there are different levels of nursing and medical care offered at some Assisted Living Communities which you may want to explore on an individual basis.

PROS:

  • Home Environment
  • More Private
  • Amenities offered at many
  • Lower Cost than Skilled Nursing/Nursing Home
  • Long Term Care Insurance and Veterans Aids and Assistance may help with costs
  • Scheduled Activities
  • Outings/Transportation

CONS:

  • Does not have extensive Medical Care on Premise
  • Many are not covered by Medicaid or Medicare

Skilled Nursing/Nursing Homes: The residents rely on the staff to provide all or most of their daily living such as bathing, dressing, meals, using the bathroom. They are facilities that provide 24/7 skilled, licensed nurses on staff to provide medical care and assistance. Most of the residents have severe health and cognitive issues. They typically do not leave the facility unless they are being transported to a scheduled doctor’s appointment or hospital.

PROS:

  • Medicare and Medicaid may cover some or most of the cost
  • 24/7 Medical Care with licensed nurses and clinical staff

Cons:

  • Limited personal freedom
  • Hospital environment, including shared rooms
  • Less privacy
  • More expensive than any other Senior facility, but offers the most in subsidized funding

If you are just starting your journey in your search for either Assisted Living or a Skilled Nursing Facility for your loved one, visit SeniorLivingGuide.com . Visit each listing, taking notes on which one may offer your loved one what they need most, the costs and what insurance may provide before making an appointment to visit their location.

This may very well be the hardest decision you ever have to make, make sure that you have all the information and options available to you. Talk to your loved one if they are cognitive, know what their wishes would be for their own healthcare.  When visiting these facilities enter armed with as much information as possible and ask as many questions as possible to help you make the right decision on their behalf.

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June 22, 2018

Be In The Senior Housing Know: Assisted Living Facilities/Communities

Filed under: Alzheimer's,Assisted Living,Nursing Homes,Senior Housing,SeniorLivingGuide.com — seniorlivingguide @ 10:56 am

By: Darleen Mahoney

By definition, an Assisted Living Facility (ALF) or assisted living community is housing for the elderly or the disabled that provides nursing care, prepared meals, housekeeping, and other services.

What you can expect from an Assisted Living Care Facility is continuing care providing a combination of personal and health care services designed for individual needs. They offer daily activities, coordinate patients health care, supervise and ensure the overall well-being of their residents.Find Assisted Living on SeniorLivingGuide.com

While the facility may assist in arranging the healthcare for their residents, those residents typically choose their own medical and dental care providers.

Please keep in mind that these communities are intended to be the next step for those who can no longer live alone, but do not provide the same level of care that a nursing home would.

These communities can be freestanding communities or part of larger facilities such as skilled nursing homes, hospitals, continuing care retirement homes, or even part of independent housing communities.

The benefits of Assisted Living Facilities:

  • Maintain a patient’s independence while providing the help they currently need is the primary goal
  • Family relationships and engagement with the community is encouraged
  • Patients level of care is based on need, as their needs change, their care changes.

Most patients of Assisted Living Facilities are seniors, this includes those with memory challenges such as dementia and Alzheimer’s disease.

You can rest assured that most states require certifications and licenses in order to register as an ALF.

What can you expect in your actual accommodations? These can vary greatly from one facility to the next. Some might have private rooms, baths, and kitchenettes, others might not. If you would like to see what is available in your area, visit us online at www.SeniorLivingGuide.com, click on Assisted Living at the top of the page, choose your state and city/area of interest, take your time, and see what they have to offer and what meets your needs.

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