Indianapolis Medicaid lawyers help people to get prepared in case they need to move to a nursing home. It’s important to think in advance about what will happen if nursing home care becomes necessary and to take steps to ensure that you’ll get high quality care in a good facility. You also need to consider how to pay for your care, because Medicare and most private insurance won’t cover it.
Medicaid does pay the bills for nursing home care when other insurance won’t, but it is a means-tested benefit which means you’ll either need to impoverish yourself to get covered or will need to work with Indianapolis Medicaid lawyers to make a plan to protect assets.
Unfortunately, far too many people do not think ahead about getting help preparing for the day they will need nursing home care. If you are concerned that your parents may be among the group that has not considered nursing home plans in advance, you should make certain to talk with them about the steps that they should take.
This can be awkward and difficult, but sometimes encouraging them to speak with a professional can help. Frank & Kraft is here to provide compassionate and knowledgeable assistance and advice, so give us a call today if you need help.
How To Talk with Your Parents About Moving to a Nursing Home
A Place for Mom provides some helpful advice about how to broach the subject of a possible future move to a nursing home with your parents. Their advice includes:
- Having regular conversations about the future: You don’t want to spring a discussion on your parents out-of-the blue and force them to have a long and potentially painful conversation. Instead, it’s better to bring up the future regularly so you can casually discuss the subject. By broaching the issue in small, casual conversations, your parents won’t feel so overwhelmed and may feel more free to consider your points over time.
- Express your concerns as your own worries: Don’t try to tell your parents what they must do or order them to take any specific steps. Instead, share your own worries and concerns about what will happen to them and phrase the discussion by showcasing why you have fears about the future. Parents don’t want to be a burden on their children in most circumstances, so they may be spurred to action in making a nursing home plan because they want to spare you the worry.
- Emphasize autonomy but encourage action: You can’t make your parents do anything, as they’re grown adults. However, you can encourage them to be proactive in making their plans so they do not end up in a situation where nursing home care is needed and no advanced plan is in place for where the care will be received or how to pay for it.
While these conversations may seem awkward, talking with your parents can help you to ensure that you understand their wishes and can give you the peace of mind of knowing that there is a financial plan in place so nursing home care can be paid for.
These issues will be much more difficult to address the longer you wait and the more urgently nursing home care is needed, so it is best to introduce the subject early and make sure your parents are proactive in working with Indianapolis Medicaid lawyers so they are ready if the day comes when they need nursing home care.
Getting Help from Indianapolis Medicaid Lawyers
Indianapolis Medicaid lawyers at Frank & Kraft will provide you with personalized, dedicated advice on planning ahead in case you or a loved one needs nursing home care. We make it easy to talk about the tough issues and we provide the information that you and your family needs to be fully informed. We also help with advanced planning for nursing home care as well as crisis planning, which can involve responding assertively when a senior needs care to protect as many assets as possible.
To find out more about the ways in which Frank & Kraft can help you or your parents to prepare for what could happen if a move to a nursing home becomes necessary, join us for a free seminar. You can also give us a call at 317-684-1100 or contact us online today to learn more.
Mr. Kraft assists clients primarily in the areas of estate planning and administration, Medicaid planning, federal and state taxation, real estate and corporate law, bringing the added perspective of an accounting background to his work.