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Choose the Right Long-Term Care : Home Care, Assisted Living, and Nursing Homes,9780873378246

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

by ;
Edition: 4th
Format: Paperback
Pub. Date: 8/1/2002
Publisher(s): Nolo
Availability: This title is currently not available.

Summary

Discusses various long-term care options and includes information on how to choose a facility, evaluate long-term care insurance, and protect assets.

Author Biography

Joseph Matthews, an attorney since 1971, has been involved in matters relating to seniors for many years

Table of Contents

Making Decisions About Long-Term Care
What Is Long-Term Care?
4(1)
Complex Questions of Long-Term Care
4(6)
Finding the Information You Need
8(2)
Exploring Long-Term Care Options
10(1)
Recognizing and Discussing the Situation
11(6)
Getting Help From Others
11(2)
Assessing Medical Needs
13(2)
Assessing Personal Needs and Capabilities
15(1)
Laws Providing for Family Leave
15(2)
Making a Realistic Family Commitment
17(2)
Staying at Home
17(1)
Moving in With Family
18(1)
Entering a Residential Facility
19(1)
What Can You Afford?
19(7)
Help With Paying
23(1)
Determining Income and Assets
23(3)
Help Getting Started: Geriatric Care Managers
26(4)
Where to Find Geriatric Care Managers
27(1)
Evaluating a Geriatric Care Manager
27(3)
Additional Considerations
30
Health Care Directives
30(1)
Durable Powers of Attorney for Finances
30(1)
Wills
31(1)
Living Trusts
31
At-Home Care
What is Home Care?
5(3)
Independence
6(1)
Financial Savings
6(1)
Quality of Care
7(1)
How to Find Home Care Services
8(4)
Friends and Relatives
9(1)
Hospital Personnel
9(1)
Physicians
9(1)
Nursing Registries
10(1)
National, State and Local Agencies and Organizations
10(1)
Senior Centers
11(1)
Volunteer Organizations
11(1)
Services Provided Through Home Care
12(4)
Medical Services
12(2)
Medical and Safety Equipment and Supplies
14(1)
Nonmedical Personal Care
14(2)
Kinds of Home Care Providers
16(5)
Full-Service Home Care Agencies
16(1)
Support-Care Agencies
17(1)
Independent and Informal Arrangements
17(4)
What to Look for in a Home Care Agency
21(3)
Certification
21(1)
Reputation
21(1)
Services and Flexibility
22(1)
Personnel Standards
23(1)
What Does Not Matter in Choosing an Agency
23(1)
Getting Started With Home Care
24(4)
Developing a Care Plan
24(2)
Getting Regular Providers
26(1)
Supervising and Reviewing Your Care
27(1)
Costs of Home Care
28(3)
Sliding Scale (Income-Based) Fee Policy
29(1)
Cost Varies With Service and Skill Level
30(1)
Beware the Hidden Charges
30(1)
Financing Home Care Through Reverse Mortgages
31(5)
Drawbacks of Reverse Mortgages
34(1)
Protecting Your Interests
35(1)
Cashing in a Life Insurance Policy
36(3)
Accelerated or Living Benefits
37(1)
Viatical Settlements
38(1)
Supplements to Home Care
39
Meals-on-Wheels
39(1)
Adult Daycare and Respite Care
40(2)
Senior Centers
42(1)
County Health Screening
43(1)
Family Education Programs
43(1)
Additional Services
44
Organized Senior Residences
Independent Living
4(11)
The Basics
4(3)
Costs
7(5)
Rules and Restrictions
12(3)
Assisted Living
15(13)
The Basics
16(5)
Costs
21(3)
Rules and Restrictions
24(4)
Combination Residential Facilities
28(387)
Extended Care Residences
28(2)
Continuing Care Retirement Communities (CCRCs)
30(385)
Long-Term Care Facilities
Levels of Care
415
Hospital-Based Skilled Nursing Facilities
6(1)
Skilled Nursing Facilities
7(1)
Intermediate Care Facilities
7(1)
Custodial Care Facilities
8(2)
Choosing the Right Facility
10(23)
Ownership and Management
11(2)
Cost
13(1)
The Facility
14(5)
Services and Activities
19(6)
Other Residents
25(2)
Staff
27(2)
Food
29(2)
Family Involvement
31(1)
Decision-Making
31(2)
Entering a Formal Residence Contract
33
What to Look for in a Written Agreement
34
Care for Elders With Alzheimer's Disease
The Symptoms and Stages of Alzheimer's
3(6)
Early Stage Alzheimer's
4(3)
Middle Stage Alzheimer's
7(2)
Late Stage Alzheimer's
9(1)
Home Care for Alzheimer's
9(9)
Care in a Family Home
10(7)
Home Care in an Organized Senior Residence
17(1)
Residential Care Facilities for Alzheimer's
18
Physical Space
20(1)
Other Residents
21(1)
Staff Skills
22(1)
Family Participation
23(1)
Special Programs for Alzheimer's Residents
24(1)
Incontinence
24(1)
Medication and Other Medical Care
25
Medicare and Veterans' Benefits
Medicare Coverage for Long-Term Care
3(8)
Skilled Nursing Facility Care
5(3)
Medicare Home Care Coverage
8(3)
Veterans' Benefits for Long-Term Care
11
Eligibility for Veterans' Benefits
12(1)
Home Health Care Covered by Veterans' Benefits
12(1)
Nursing Facility Care Covered by Veterans' Benefits
13
Medicaid Coverage for Long-Term Care
Eligibility for Medicaid
3(10)
Home Care: Income and Asset Limits
4(3)
Special Long-Term Care Facility Medicaid Rules
7(6)
What Medicaid Pays For
13(5)
Medicaid-Certified Providers Only
13(2)
Medicaid Home Care Coverage
15(1)
Medicaid Long-Term Care Facility Coverage
16(2)
Finding Out About Medicaid in Your State
18(2)
What to do if You Are Denied Medicaid Coverage
20
Medicaid and Asset Protection
Medicaid Rules on Transfer of Assets
2(5)
Penalized Transfers
2(3)
Permissible Transfers
5(2)
Strategies to Protect Your Assets
7
Transfers 36 Months Before Medicaid Application
8(1)
Investments in Your Home
9(4)
Investing in Other Exempt Assets
13(1)
Transferring Nonexempt Assets to At-Home Spouse
14(1)
Transferring Assets to Children or Others
14(2)
Medicaid and Divorce
16(1)
Special Long-Term Care Insurance Available in Some States
17
Protecting Choices About Medical Care and Finances
Health Care Decisions
2(10)
Documents Protecting Medical Care Choices
3(1)
Differences Among Medical Care Documents
4(1)
What to Include in a Health Care Directive
5(1)
Creating a Durable Power of Attorney for Health Care
6(2)
Legal Rules and Conditions
8(2)
Changing Your Mind-and Documents
10(1)
Obtaining the Right Medical Directive Form
10(1)
What to Do With Your Completed Documents
11(1)
Financial Decisions
12(5)
Granting Authority to Your Attorney-In-Fact
13(1)
Deciding When Your Durable Power of Attorney Should Take Effect
14(1)
Finalizing and Changing Your Documents
15(2)
Guardianships and Conservatorships
17
Financial Conservatorship or Guardianship
18(1)
Full Guardianship
19
Estate Planning: Controlling Your Money and Property
Drafting a Will
2(2)
Basic Will Requirements
3(1)
Avoiding Probate
4(8)
Joint Tenancy
5(3)
Pay-on-Death Accounts, Stocks and Bonds
8(1)
Life Insurance
9(1)
Retirement Accounts
10(1)
Living Trusts
10(2)
Saving on Estate Taxes
12(8)
Marital Trusts
14(2)
Gifts
16(2)
State Death Taxes
18(2)
Managing Property
20
Long-Term Care Insurance
Risks and Benefits
3(6)
The Odds of a Long Nursing Facility Stay
4(1)
The Performance of Long-Term Care Insurance
4(1)
Improvements in LTC Insurance
5(2)
The 5% of Income Rule
7(2)
Warnings About Insurance Practices
9(5)
Beware of Pretty Promises
9(1)
Beware of Brochures and Agents
10(1)
Beware of Mail-Order and Limited-Time-Only Policies
11(1)
Check the Company's Reliability Rating
11(1)
Examine the Policy
12(2)
Extent of Coverage
14(5)
Custodial Care Nursing Facilities
14(1)
Assisted Living Facilities
15(1)
Home and Community Care
16(3)
Coverage Conditions and Exclusions
19(5)
Prior Hospital or Skilled Nursing Facility Stay
19(1)
Pre-Existing Condition Exclusion
20(1)
Qualifying for Benefits: Benefit ``Triggers''
21(3)
Premiums
24(5)
Initial Premium Cost
24(1)
Premium Hikes
25(4)
Waiver of Premiums
29(1)
Benefit Amounts
29(4)
Flexible Benefit Pay-Out
29(2)
Elimination or Waiting Period
31(1)
Inflation Protection
31(2)
Refund Provisions
33
Nonforfeiture Provisions
33(1)
Reduced Paid-Up Provisions
34(1)
Death Refunds
34(1)
Survivorship Provisions
34
Appendix Resource Directory
Aging, State Agencies
2(3)
Alzheimer's Disease Organizations
5(1)
Caregiver Support Groups
6(1)
Home Care, Community Programs and Senior Residences
6(7)
National Organizations
7(2)
State Associations
9(4)
Insurance-Long-Term Care
13(1)
State Departments of Insurance
13(1)
State Agencies on Aging
13(1)
Legal Assistance
14(1)
Licensing and Certification
15(3)
Nursing Facility License and Certification Offices
15(3)
Medicaid Assistance
18(2)
Nursing Facility and Alternative Residence Organizations
20(1)
Ombudsman Offices
21(4)
Reverse Mortgage and Home Equity Conversion Assistance
25(1)
Viatical Settlement Assistance
26

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