9780873378246

Making Decisions About Long-Term Care

What Is Long-Term Care?

(1)

Complex Questions of Long-Term Care

(6)

Finding the Information You Need

(2)

Exploring Long-Term Care Options

(1)

Recognizing and Discussing the Situation

(6)

Getting Help From Others

(2)

Assessing Medical Needs

(2)

Assessing Personal Needs and Capabilities

(1)

Laws Providing for Family Leave

(2)

Making a Realistic Family Commitment

(2)

Staying at Home

(1)

Moving in With Family

(1)

Entering a Residential Facility

(1)

What Can You Afford?

(7)

Help With Paying

(1)

Determining Income and Assets

(3)

Help Getting Started: Geriatric Care Managers

(4)

Where to Find Geriatric Care Managers

(1)

Evaluating a Geriatric Care Manager

(3)

Additional Considerations

Health Care Directives

(1)

Durable Powers of Attorney for Finances

(1)

Wills

(1)

Living Trusts

At-Home Care

What is Home Care?

(3)

Independence

(1)

Financial Savings

(1)

Quality of Care

(1)

How to Find Home Care Services

(4)

Friends and Relatives

(1)

Hospital Personnel

(1)

Physicians

(1)

Nursing Registries

(1)

National, State and Local Agencies and Organizations

(1)

Senior Centers

(1)

Volunteer Organizations

(1)

Services Provided Through Home Care

(4)

Medical Services

(2)

Medical and Safety Equipment and Supplies

(1)

Nonmedical Personal Care

(2)

Kinds of Home Care Providers

(5)

Full-Service Home Care Agencies

(1)

Support-Care Agencies

(1)

Independent and Informal Arrangements

(4)

What to Look for in a Home Care Agency

(3)

Certification

(1)

Reputation

(1)

Services and Flexibility

(1)

Personnel Standards

(1)

What Does Not Matter in Choosing an Agency

(1)

Getting Started With Home Care

(4)

Developing a Care Plan

(2)

Getting Regular Providers

(1)

Supervising and Reviewing Your Care

(1)

Costs of Home Care

(3)

Sliding Scale (Income-Based) Fee Policy

(1)

Cost Varies With Service and Skill Level

(1)

Beware the Hidden Charges

(1)

Financing Home Care Through Reverse Mortgages

(5)

Drawbacks of Reverse Mortgages

(1)

Protecting Your Interests

(1)

Cashing in a Life Insurance Policy

(3)

Accelerated or Living Benefits

(1)

Viatical Settlements

(1)

Supplements to Home Care

Meals-on-Wheels

(1)

Adult Daycare and Respite Care

(2)

Senior Centers

(1)

County Health Screening

(1)

Family Education Programs

(1)

Additional Services

Organized Senior Residences

Independent Living

(11)

The Basics

(3)

Costs

(5)

Rules and Restrictions

(3)

Assisted Living

(13)

The Basics

(5)

Costs

(3)

Rules and Restrictions

(4)

Combination Residential Facilities

(387)

Extended Care Residences

(2)

Continuing Care Retirement Communities (CCRCs)

(385)

Long-Term Care Facilities

Levels of Care

415

Hospital-Based Skilled Nursing Facilities

(1)

Skilled Nursing Facilities

(1)

Intermediate Care Facilities

(1)

Custodial Care Facilities

(2)

Choosing the Right Facility

(23)

Ownership and Management

(2)

Cost

(1)

The Facility

(5)

Services and Activities

(6)

Other Residents

(2)

Staff

(2)

Food

(2)

Family Involvement

(1)

Decision-Making

(2)

Entering a Formal Residence Contract

What to Look for in a Written Agreement

Care for Elders With Alzheimer's Disease

The Symptoms and Stages of Alzheimer's

(6)

Early Stage Alzheimer's

(3)

Middle Stage Alzheimer's

(2)

Late Stage Alzheimer's

(1)

Home Care for Alzheimer's

(9)

Care in a Family Home

(7)

Home Care in an Organized Senior Residence

(1)

Residential Care Facilities for Alzheimer's

Physical Space

(1)

Other Residents

(1)

Staff Skills

(1)

Family Participation

(1)

Special Programs for Alzheimer's Residents

(1)

Incontinence

(1)

Medication and Other Medical Care

Medicare and Veterans' Benefits

Medicare Coverage for Long-Term Care

(8)

Skilled Nursing Facility Care

(3)

Medicare Home Care Coverage

(3)

Veterans' Benefits for Long-Term Care

Eligibility for Veterans' Benefits

(1)

Home Health Care Covered by Veterans' Benefits

(1)

Nursing Facility Care Covered by Veterans' Benefits

Medicaid Coverage for Long-Term Care

Eligibility for Medicaid

(10)

Home Care: Income and Asset Limits

(3)

Special Long-Term Care Facility Medicaid Rules

(6)

What Medicaid Pays For

(5)

Medicaid-Certified Providers Only

(2)

Medicaid Home Care Coverage

(1)

Medicaid Long-Term Care Facility Coverage

(2)

Finding Out About Medicaid in Your State

(2)

What to do if You Are Denied Medicaid Coverage

Medicaid and Asset Protection

Medicaid Rules on Transfer of Assets

(5)

Penalized Transfers

(3)

Permissible Transfers

(2)

Strategies to Protect Your Assets

Transfers 36 Months Before Medicaid Application

(1)

Investments in Your Home

(4)

Investing in Other Exempt Assets

(1)

Transferring Nonexempt Assets to At-Home Spouse

(1)

Transferring Assets to Children or Others

(2)

Medicaid and Divorce

(1)

Special Long-Term Care Insurance Available in Some States

Protecting Choices About Medical Care and Finances

Health Care Decisions

(10)

Documents Protecting Medical Care Choices

(1)

Differences Among Medical Care Documents

(1)

What to Include in a Health Care Directive

(1)

Creating a Durable Power of Attorney for Health Care

(2)

Legal Rules and Conditions

(2)

Changing Your Mind-and Documents

(1)

Obtaining the Right Medical Directive Form

(1)

What to Do With Your Completed Documents

(1)

Financial Decisions

(5)

Granting Authority to Your Attorney-In-Fact

(1)

Deciding When Your Durable Power of Attorney Should Take Effect

(1)

Finalizing and Changing Your Documents

(2)

Guardianships and Conservatorships

Financial Conservatorship or Guardianship

(1)

Full Guardianship

Estate Planning: Controlling Your Money and Property

Drafting a Will

(2)

Basic Will Requirements

(1)

Avoiding Probate

(8)

Joint Tenancy

(3)

Pay-on-Death Accounts, Stocks and Bonds

(1)

Life Insurance

(1)

Retirement Accounts

(1)

Living Trusts

(2)

Saving on Estate Taxes

(8)

Marital Trusts

(2)

Gifts

(2)

State Death Taxes

(2)

Managing Property

Long-Term Care Insurance

Risks and Benefits

(6)

The Odds of a Long Nursing Facility Stay

(1)

The Performance of Long-Term Care Insurance

(1)

Improvements in LTC Insurance

(2)

The 5% of Income Rule

(2)

Warnings About Insurance Practices

(5)

Beware of Pretty Promises

(1)

Beware of Brochures and Agents

(1)

Beware of Mail-Order and Limited-Time-Only Policies

(1)

Check the Company's Reliability Rating

(1)

Examine the Policy

(2)

Extent of Coverage

(5)

Custodial Care Nursing Facilities

(1)

Assisted Living Facilities

(1)

Home and Community Care

(3)

Coverage Conditions and Exclusions

(5)

Prior Hospital or Skilled Nursing Facility Stay

(1)

Pre-Existing Condition Exclusion

(1)

Qualifying for Benefits: Benefit ``Triggers''

(3)

Premiums

(5)

Initial Premium Cost

(1)

Premium Hikes

(4)

Waiver of Premiums

(1)

Benefit Amounts

(4)

Flexible Benefit Pay-Out

(2)

Elimination or Waiting Period

(1)

Inflation Protection

(2)

Refund Provisions

Nonforfeiture Provisions

(1)

Reduced Paid-Up Provisions

(1)

Death Refunds

(1)

Survivorship Provisions

Appendix Resource Directory

Aging, State Agencies

(3)

Alzheimer's Disease Organizations

(1)

Caregiver Support Groups

(1)

Home Care, Community Programs and Senior Residences

(7)

National Organizations

(2)

State Associations

(4)

Insurance-Long-Term Care

(1)

State Departments of Insurance

(1)

State Agencies on Aging

(1)

Legal Assistance

(1)

Licensing and Certification

(3)

Nursing Facility License and Certification Offices

(3)

Medicaid Assistance

(2)

Nursing Facility and Alternative Residence Organizations

(1)

Ombudsman Offices

(4)

Reverse Mortgage and Home Equity Conversion Assistance

(1)

Viatical Settlement Assistance

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Choose the Right Long-Term Care : Home Care, Assisted Living, and Nursing Homes

0873378245

Summary

Author Biography

Table of Contents

Supplemental Materials

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