Connecticut Elder Law:
planning and paying for long-term care, including Medicaid applications
When to plan for long-term care?
- Pre-planning: We assist people who desire to proactively protect assets in advance of requiring long-term care. Many people feel that they have worked hard for their assets and they want to take legal steps to protect those assets for themselves and/or their families. We educate clients by clearly explaining what is required to protect assets, assist our clients with step-by-step implentation of the plan, and provide follow up advice once plans are in place. Common planning includes protection of the home, protection of out-of-state real estate, and utilizing assets in ways that best benefit the individual and/or family.
- Planning for long-term care in the home: Many people prefer to receive care assistance in the comfort of their own home. We help individuals and families design customized long-term care plans tailored to their individual needs while guiding them on how to utilize their assets and/or government benefits to pay for long-term care in the home.
- Planning for long-term care in a nursing home: There may come a time when it is no longer medically safe to receive long-term care in one’s home. When that happens, we help individuals and families navigate selecting an assisted living facility or skilled nursing facility, interpreting and negotiating residency agreements, and designing a plan to help pay for the cost of long-term care with income, assets, or government benefits such as Title XIX a/k/a Medicaid.
What Connecticut government benefits are available for long-term care?
- Connecticut Home Care Program for Elders (“CHCPE”): The CHCPE Program is a Medicaid program that helps individuals pay for long-term care in the comfort of their own home. We assist clients with applying for this program.
- Title XIX also known as Medicaid: In Connecticut, Medicaid will pay for almost all of one’s long-term care needs in a skilled nursing facility. We help clients prepare for Medicaid applications by giving advice on how to “spend down” assets to qualify in ways that benefit the individual and/or family.
Why choose us?
Our team focuses exclusively on long-term care planning, estate planning, and estate administration so that we have time to stay up to date on the latest planning strategies and options available to our clients. By design, these practice areas overlap so that we can provide up-to date advice to our clients on how to manage, protect, and utilize assets in ways the benefit the individual and family. We understand the legal, medical and financial requirements that must be met for eligibility for government benefits, but, equally important, we understand the need for compassionate planning in stressful and uncertain times while an individual or family member is going through a huge life transition of requiring care.