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Offices in: Clearwater • Tampa • Sarasota • Naples • Ft. Myers
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Medicaid/Nursing Home Protector™ Quick Appointment Click
Here to make an appointment for a FREE Initial Consultation. Welcome to our Medicaid/Nursing Home Protector™ program. We hope you will find this material informative about the different services and protections we can provide to clients who are in need of these services. Overview Many of us will unfortunately be faced at some point in our lives having to make decisions for loved ones that we do not want to make. Some of these decisions will be made for us -- we will have no choice and no control over them. When it becomes impossible to care for a loved one because of a disability, the last alternative we have is often a nursing home. For most of us, that is indeed the last resort. Learn More To learn more about these choices you may or may not have, as well as what you can do now, you may attend one of our regular educational briefings such as Medicaid Qualification Process or Planning 231: Annuities and Medicaid Planning. Click on a title to learn more and register on line. Refer a Client OR Make an Appointment for Yourself If you are interested in referring a client to our office or if you are interested in a free initial consultation, Click Here to learn how to reserve an appointment date and time. You may email this page to a friend. How to Pay for a Nursing Home There are 4 ways to pay for nursing home care:
How to Qualify for Governmental Assistance Because many people cannot afford expensive skilled nursing care and because many people do not have long term care insurance, most people must look elsewhere for help. Medicaid is a federal assistance program for persons needing skilled nursing care who are disabled and who meet certain "means" tests. In Florida, this is called the Institutional Care Program (ICP) and this program, although federal in origin, is administered by the State of Florida. Because this is a means tested program, applicants must meet certain threshold criteria before they will be deemed qualified to receive benefits from Medicaid. While there are a number of "tests" to meet, they can be divided into 3 segments:
What we do is to help clients navigate their way through the requirements and thresholds of each of these 3 tests. Once we have determined a client can qualify, then we will assist the client in applying and being their designated representative throughout the Medicaid application and qualification process. Our Medicaid/Nursing Home Protector Program™ is structured so as to permit clients to take charge of their own destiny by protecting all of their assets for their spouses and children -- without having to spend their assets on care for devastating illnesses. Advantages of our Program We take pride in being able to achieve predictable results for our clients. Provided we receive full and complete information from our client, and provided the client has not previously done those things that would disqualify them from immediate qualification, we are able to design a plan for our clients that usually protects most of their assets from seizure by the nursing home or any type of forced spend-down of their existing estate. Our plan designs for our clients can provide them with sheltering most of their principal and protection for a spouse and children. In addition, we can design a plan that provides for supplemental needs Medicaid does not pay for such as medications, non-necessary medical care & procedures, hair & nail & other personal care needs, special dietary supplements, entertainment, electronic equipment (such as telephone, television, cable, internet, satellite & wireless services), Care Managers (including Guardian services and Companion services), visitation and vacation-related expenses, special equipment and clothing, supplemental nursing care, rehabilitative & physical therapy, mobility aiding equipment, medical implants, artificial limbs, and psychological services. Medicaid/Nursing Home Protector Program™ Our protection program is divided into 2 phases:
In our Pre-Planning program, we help clients begin to structure their affairs well in advance of the need of skilled nursing care. This involves analyzing health issues, cataloging assets and reviewing financial histories to determine any potential future problem areas in a possible Medicaid application. In addition, we prepare our comprehensive Protector Pathway™ report that maps out a pathway to follow so as to be able to protect your assets regardless of what may happen in the future. Crisis Planning involves moving very quickly to adjust the client's financial framework so as to qualify for benefits in relatively short order. Although we may be able to help the client qualify, because of the shortened time frame, not every option is available to us that would have been available had we been given sufficient opportunity to adequately pre-plan and to employ our Protector Pathway™ program. Medicaid/Nursing Home Protector Program™ Educational Briefings We offer a series of educational offerings to introduce clients and their professional advisors to this process. Click to register:
You may click on both workshops to learn more and to register to attend. How to Refer a Medicaid/Nursing Home Client We offer a free 45 minute Initial Consultation to assist you in determining what your needs are and whether we can be of assistance to you and your loved ones. Click Here to reserve a date and time for your Initial Consultation. For professional advisors: we would prefer if you would register your client for a free Initial Consultation and attend the meeting with your client. You will receive written confirmation and a return email confirmation of the date and time of your free Initial Consultation, along with a Welcome Kit consisting of a map to our office, a brief introductory questionnaire that you must complete prior to our meeting, and a short synopsis of some of the more important Medicaid rules you will need to know. |
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