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How to Pay for Long-Term Care, Elder Law Attorney, Woodstock, GA


America’s aging population is drawing attention to a large health care gap in the country: long-term care. Covering this gap could prove difficult and costly, but there are some ways that it can be done.

Americans in most demographic groups are living longer than ever before. Unfortunately, on average they are not living any healthier than previous generations of elderly people. That means that people will need ever increasing lengths of nursing home stays or long-term home health services.

The big problem with this is that most people do not have a good way to pay for that care. They either have to deplete their own assets and then fall on Medicaid to cover the rest of the costs or they have to have private long-term care insurance, which can be costly and is sometimes difficult to obtain.

This creates a gap in the country’s health care coverage that needs to be addressed. In “Should Medicare Add A Long-Term Care Benefit?” Forbes columnist Howard Gleckman discusses a couple of different proposals to help fill this gap.

One proposal would add a long-term home health benefit to Medicare. Patients could receive up to $400 a week of in-home services with a co-payment required the amount of which would be based on their income.

As this plan would require an increase in payroll taxes and many politicians think Medicare is too expensive already, it could be difficult to get political support for this option. The other proposal would create a new public universal long-term care insurance program.

Other proposals exist as well, but as of now no proposal has a broad consensus behind it in Congress.

Reference: Forbes (April 15, 2016) “Should Medicare Add A Long-Term Care Benefit?

Hear From Our Clients
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I heard Cindy’s presentation at a Senior Luncheon at my church, and was very impressed. She helped my daughter and me understand many aspects of elder law. Josh has also been very helpful in my planning to enter an independent living situation . I have told many friends about them.

- Charlotte

The very best elder law attorney and staff anyone could ever ask for! I have referred a number of clients to Cindy and she never disappoints. She is kind, caring, and extremely thorough in making sure everything is completed as it should be. I highly recommend Cindy for anyone needing lawyer services; she truly goes above and beyond for every client she helps and has had a huge impact in so many peoples’ lives. Thank you, Cindy and staff, for everything that you do- I’m so glad to know you!

- Kerri

Cindy and the Nelson Elder Care Law team are trustworthy and helpful. They are the experts in elder care law. At Leaf Cremation, we entrust our families to the care of the Nelson team when their services are needed.

- Pierce

Josh Nelson, and his staff, have been amazingly helpful to our family. The ins and outs of nursing homes, the rules and regulations that govern Medicare and Medicaid are daunting and the folks at Nelson Elder Care Law have been informative, responsive, and above all, empathetic. I cannot emphasize enough how their service has taken a weight off of our shoulders especially during a world pandemic that has targeted nursing homes across our country. I highly recommend retaining Josh and his firm!

- Marcia

I had a simple legal question to them that I needed answered and they very helpful in giving me the information I needed. I highly recommend them and will reach out to them if I need more advice or assistance. Thank you for taking your time to just answer a couple of questions I had!

- Ben