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Family Matters Newsletter
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KLG News Using The Holidays To Spark Conversations About Long-Term Care November
is Long-Term Care Awareness Month, and the upcoming holiday season
offers many opportunities to talk to loved ones about their wishes and
the plans they have in place. November
is Long-Term Care Awareness Month, and according to elder care experts,
there’s no better time than the holidays to talk with loved ones about
their long-term care wishes and the plans they have in place. One
such attorney, Nicole K. White, an estate and elder law attorney in
Bethesda and Largo, Maryland believes such conversations are critical
to help ensure everyone is on the same page and that advanced
preparations are made should disability or incapacity ever occur. “The
harsh reality is that the majority of Americans will need long-term
care assistance at some point in their lives. Medical advances have
done a great job in helping us live longer, but the risk of disability,
incapacity, memory loss and mobility issues still remains,” warns
White. Couple
that with the fact that Baby Boomers begin turning 65 this year, and
White says it’s clear that families can no longer afford to put off
having “tough conversations” about long-term care. Otherwise, they may
find that resources, options and budget-friendly alternatives are
limited if an unexpected crisis strikes. To ensure families are aware of their loved one’s wishes and empowered to carry them out in a medical emergency, attorneys such as White, urge families to try using these “Did you know…” conversation starters over the holidays:
1. You’re probably not covered for long-term care.
White says that many people mistakenly believe they are covered for
long-term care, but this assistance is not typically covered by your
health or long-term disability insurance. 2. Medicaid and Medicare probably won’t pick up the tab either.
Medicare only pays for skilled care, while Medicaid only covers those
whose assets are at or below state-required levels. These programs
often don't cover care provided in your own home. 3. Long-term care planning isn’t just about finding a nursing home.
According to White, long-term care is about making sure your wishes are
known and that you have the right legal documents and financial
instruments in place that will allow your family to do exactly what you
want in the later stages of life. “Long-term
care conversations are difficult to have, but it’s the only way to
ensure your loved one’s wishes are fully honored in a medical
emergency,” says White. Don’t miss the opportunity to break the ice and
give your family members a say regarding their care this holiday
season. Talk openly while there’s still time to plan ahead and minimize
the financial burden on your family.” she adds. For more information on Montgomery County estate planning attorney Nicole K. White, please visit http://www.kinseylawgroup.com or call (301) 968-1630. |
You’re invited to call or
e-mail. "If you have questions about estate planning, asset protection, assisted reproduction or surrogacy, please send your e-mail today to nicole @ kinseylawgroup.com or call (301) 968-1630." — Nicole
Phone: (301) 968-1630 * Phone: (202) 643-1837 * Fax: (888) 559-8856
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2006 Kinsey Law Group. All Rights Reserved. Kinsey Law
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