Nursing Home Payment & Long-Term Care Insurance:
In this Elder Law Minute, Kaye DeSelms Dent explains how it can be challenging for some people to get insurers to pay nursing homes, but DCEL is here to help!
Hi, I’m Kaye DeSelms Dent with Dent Coulson Elder Law, Here with an Elder Law Minute for you. These videos are intended to educate you about the elder care journey, which begins earlier in life than you might think. We hope that you find them useful, and if you have further questions, please call us at Dent Coulson Elder Law.
Today we’re going to talk about what can be done if a long-term care policy isn’t paying out to the facility.
We do have clients who run into trouble from time to time, I think in most cases, it’s not a problem but it does happen, and usually it’s a matter of communication. Wes and I do assist clients in dealing with the communications between the insurer and the facility, sometimes it’s a little more than that and there may be other issues that arise, but we are certainly here to help. One thing to not is that it’s very important as you age to make certain that you have a really good plan in place to have people who can stand in your shoes, if you’re disabled to the point that you can’t take care of your own business, even if its for a matter of convenience. Maybe you’re perfectly competent, you have all of your faculties about you but you’re very physically disabled and you need nursing home care, it may be very difficult or inconvenient for you to be the person who’s communicating with the insurer and the facility and you may not have access to email, fax and all the things that you may need, so you need to have powers of attorney in place. A power of attorney for property and for health care so you have people appointed to help you take care of these issues and to also go to an attorney like Wes or myself for assistance when it’s needed.
Why you may need assistance with Nursing Home Payment & Long Term Care Insurance:
We help families on a regular basis, deal with these issues. Again a lot of times, it’s a matter of the very pretty intense paperwork that’s required to establish eligibility for benefits and ongoing eligibility for certain records and notes and documents to be given from the facility to the insurer to support the claim each month, because nursing homes are paid by the month. So we have clients who might sail along just fine and then all of a sudden have an issue and it’s because something didn’t get transmitted. We’ve even had it be as simple as a fax interruption. You just never know what’s going to happen, but again we are here to help you if you have any difficulties with the long-term care insurance paying out. But a reminder, these are usually it’s very good insurance to have and we do recommend it, but everybody has some snafu’s and we’ve noticed that things have issues of increase due to Covid because everybody’s got staffing issues and people working from home. So be patient, but reach out when you need help.
You have just read an article about Nursing Home Payment and Long Term Care Insurance, but if you are also looking for information about Medicaid and Asset Preservation? Visit these articles:
“Your Trusted Advisor on the Elder Care Journey”
Dent-Coulson Elder Law is dedicated to providing families in the St. Louis area with their Elder Law needs. Our practice areas include Asset Preservation Planning, Veterans Benefits, Medicaid Eligibility, Alzheimer’s Planning, Special Needs Planning, Estate Planning and more. We understand the financial challenges you may face as you and your loved ones grow older. At Dent-Coulson Elder Law, our clients’ well-being is our number one priority. For immediate help, call (618) 632-7000 (IL) or (314) 567-9292 (MO), or Contact Us and we will get in touch as soon as possible.