There is now an estimated 15% of the total US population over the age of 65, and that percentage is projected to grow to 30% by 2030. With the changing population comes an increasing need for long-term care services.
Long-term care, or nursing home care, can be a costly and complex affair, requiring specialized knowledge and experience if it is to be done effectively. That’s where an attorney can come in handy.
What is Long-Term Care?
Long-term care, or long-term living assistance, is a broad term that refers to a variety of services and supports needed to maintain good health and well-being. These services can include help with activities of daily living (such as bathing, dressing, eating – in a dignified manner), medication management, assistance with pleasures and social activities, as well as help with safety and security. Long-term care often includes both residential and non-residential options.
Long-term care is often viewed as expensive, but it’s also important to remember that not all long-term care is the same. Additionally, while some types of long-term care are more expensive than others, they may also offer greater benefits. For example, assisted living tends to be less expensive than full-time nursing home care, but it may offer more flexibility and independence for the person who needs it.
What are the Benefits of Long-Term Care?
There are many benefits to long-term care, including:
- Increased independence and freedom.
- Reduced anxiety and stress levels.
- Less need to worry about the basic activities of daily living, such as bathing or dressing.
- Reduced risk of getting lost due to memory loss and Alzheimer’s Disease. There is also a decreased risk of other health complications and getting hurt as you will have a dedicated caregiver.
- Reduced stress on the family caregivers who may currently be responsible for providing care during this time period.
Who Should Get Long-Term Care?
Many people believe that anyone over the age of 60 should be considered for long-term care. However, this is not always the case. In fact, not everyone over the age of 60 will need long-term care. Conversely, several people that have not yet clocked 60 years of age may need to be placed in long-term care.
The key factors to consider when deciding who should get long-term care are whether the individual can take care of themselves and whether an individual wants or needs help.
Should You Get Long-Term Care for Your Parents?
Many people ask themselves whether or not they should get long-term care for their parents. The decision to get long-term care for a parent can be difficult, and it’s important to weigh the pros and cons carefully before making a decision. Here are some factors to consider:
- Will you be able to provide the necessary care?
- What kind of care will your parents need?
- How much will it cost?
- How will you feel about providing care for your parent for an extended period?
- Will your parent have enough friends or family nearby who can provide help when needed?
- Are you ready to make this type of commitment?
- What are the risks involved with providing long-term care for a loved one?
What are the Benefits of Getting Long-Term Care for One’s Parents?
There are many benefits to getting long-term care for one’s parents:
First and foremost, it can provide comfort and support in a time of need. Additionally, long-term care can help seniors maintain their independence and stay as active as possible while they are living in their own home or facility. Also, long-term care can be an economical investment – providing years of peace of mind for loved ones and families. Finally, getting long-term care for one’s parents can help to keep them safe and comfortable, which is especially important as they age.
How Do You Plan for Long-Term Care in Pennsylvania?
The decision to plan for long-term care in Pennsylvania is an important one. There are a number of factors to consider when making this decision, including your age, health status, and needs. Here are some tips on how to plan for long-term care in Pennsylvania:
- Discuss your plans with family and friends. They can provide valuable feedback and help you make the best decisions.
- Consider your financial situation. How much money will you need to cover costs associated with long-term care? What insurance policies may cover these costs?
- Get a sense of your health and needs. Do you have any medical conditions that might require special care? Are you likely to experience problems with mobility or breathing? If so, what measures do you need to take to prepare for those scenarios?
If you are planning for long-term care on behalf of your relatives, answering these questions in the third person can also help you get a perspective on how to get started with long-term care planning for your loved one.
Funding Long-Term Care in Pennsylvania
In Pennsylvania, Medicaid is the primary source of coverage for long-term care services. Medicaid eligibility requirements vary by state, but most Pennsylvanians who need long-term care are typically considered eligible if they have a disability and meet other financial requirements. Seniors are also eligible if they meet the same set of financial requirements.
Residents can also receive long-term care through private payers (private insurance) or public programs like Medicare or the Veterans Administration.
How May an Attorney Help With Long-Term Care?
First, an attorney can provide guidance on choosing a long-term care facility and making care arrangements. They can also advise on financial options related to long-term care. In some cases, an attorney may be able to help secure government benefits or private payers for long-term care.
Second, a skilled attorney is knowledgeable about the laws governing long-term care and can provide valuable advice and support during a difficult time. For example, an attorney can help with negotiating settlements or contracts related to long-term care. This provides assurance and support during times of uncertainty or stress.
Additionally, an attorney can help with legal issues that may arise when a person needs long-term care. Legal issues can include estate planning, Medicaid eligibility, guardianship, and power of attorney. An attorney can protect your interests and may provide representation in court, which will help protect the rights of the person with long-term care needs.
An attorney can also help with coordinating services and providing support to caregivers.
Speak to a Skilled Pennsylvania Attorney
In conclusion, long-term care is a necessary part of life, and it is important to have an experienced attorney who can help you navigate the complicated legal system. If you or a loved one is facing long-term care needs, contact one of our attorneys immediately.