HOW WILL I PAY FOR MY LONG-TERM CARE?

Sarah Warren and her client take a break.

Sarah Warren and her client take a break.

Sarah Warren’s client was a kindergarten teacher.  When she was in her twenties, she was in a serious car accident that left her in a coma for months.  Now in her seventies, she lives in assisted living, and her brother helps her manage her money.  Problem is, she expects to run out of money next year.  Assisted living costs average $3,200 per month in our area.

Sarah analyzed her client’s eligibility for the Medicaid Special Assistance program, which helps some people with their cost of care.  Unfortunately, this client’s income exceeds the program’s eligibility rule, which caps income at about $1,250 per month.  Either her family will have to supplement her income or, if her physician certifies her as needing nursing home-level care, she will move to a Medicaid bed in a nursing home.  That isn’t the kind of living environment she would prefer, but our health care policies don’t give her much choice.

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