Are you are faced with the difficult decision of placing an elderly parent, spouse or family member into a nursing home? I know this is an emotional and difficult decision. Equally difficult will be your overwhelming concern about how to pay for nursing home care. You are facing nursing home expenses that can quickly consume savings that took a lifetime to save.
Most families have no idea how they will pay for nursing home care. In fact, most people can’t identify the payment source for long term care expenses. With nursing home costs of $6,000 per month — it’s not hard to figure out how quickly the money will run out.
Nursing Home Care – How do you pay for It?
You can pay from your life’s savings or your families life savings, from a long term care insurance policy or from Medicaid. Utah Medicaid is the federal Medicaid program administered by the state of Utah that pays for the entire cost of a long-term stay in a nursing home — if you qualify. There are income and asset requirments that you must meet first to qualify, and I can show you how you can qualify.
Your Goal is to Qualify for Utah Medicaid while keeping as many of your assets as possible, for the spouse living at home, or to pass on to the family. Unfortunately what usually happens to my Utah Medicaid clients who finally seek my Medicaid advice for Medicaid in Utah, is they try to qualify their elderly parent for Utah Medicaid — but not until after they’ve already wasted a lot of their parent’s life savings paying the nursing home at the “private pay” rate, or sold the family home because they thought they had no choice but to do that in order to meet Utah Medicaid eligibility believing that the government would force them to sell the house anyway.
● The Utah Medicaid system, the Utah Medicaid application, and determining Utah Medicaid eligibility is a complex set of rules set forth in the Utah Medicaid provider manual that is usually cumbersome for the layperson to understand. However, meeting Utah Medicaid requirements and receiving Medicaid in Utah by qualifying for Utah Medicaid eligibility by successfully completing a Utah Medicaid application is not difficult - - when you know exactly how to go about it — and when you have the proper legal assistance.
● Although the Utah Medicaid case manager that will be assigned to determine Utah Medicaid eligibility for your loved one to receive Utah Medicaid benefits will be helpful, they are PROHIBITED by Utah State Medicaid LAW from advising or encouraging you to reduce income to qualify for Utah Medicaid. They are also prohibited from explaining or encouraging legally permitted planning strategies under Utah Medicaid law to protect your assets. Under the Utah Medicaid law, all they can do is answer your direct questions about Utah Medicaid policies and tell you about the Utah Medicaid spenddown program.
● If you want to qualify for Utah Medicaid without first spending down your parent’s life savings (or yours) by paying the nursing home privately until you are broke, there are ways to Medicaid plan in ways that builds fences of protection around your family’s assets resulting in Utah Medicaid paying for most, if not all, of your nursing home expenses.
Who can tell you how to protect your assets – and how to qualify for benefits?
I can help you. I limit my practice to Elder Law, Utah Medicaid and estate planning. Don’t be like other clients who have said “I wish I had your advice sooner so I could have protected more of my assets, and gotten the entire nursing home cost paid for by Utah Medicaid instead of just some.”
Realize that Simply “hiding” money in order to qualify for Utah Medicaid is not an option. To do so and not report the asset on a Medicaid application is clearly a fraud against Utah State Medicaid and federal governments laws, with severe legal consequences. I can counsel you on ways to qualify for Utah Medicaid eligibility under Utah Medicaid using completely legal methods.
Do not give away your assets. In most instances gifts to someone other than your spouse will disqualify you for a penalty period from Utah Medicaid and Utah Medicaid eligibility. All of these gifts must be disclosed on the Utah Medicaid application. The transfer of asset rules are complicated and the Utah Medicaid case worker will look at all transfers you have made for the 3-5 year period before you apply for Utah Medicaid.
Don’t think you have to be poor, destitute, or on welfare in order to qualify for nursing home Utah Medicaid — or go broke paying for nursing home costs first before you can get Medicaid in Utah. You don’t have to be poor, destitute or broke to qualify for Utah Medicaid coverage. I can show you exactly how to qualify for Medicaid even if you never thought you could.
I can’t overemphasize the fact that the earlier you do your planning to qualify for Utah Medicaid, the better — even months or years before putting your parent or family member in a nursing home, if possible. However, no matter what situation you’re in — and even if you’ve already begun paying for nursing home costs out of your own pocket (or your parent’s savings), it’s almost never too late to protect and save your family’s assets. Whatever you do,
YOU MUST NOT PROCRASTINATE
CALL ME FOR A FREE CONSULTATION
There is no cost for my initial consultation with you. After we meet I will review your situation and give you a free preliminary written report on if and how you can qualify for Utah Medicaid and how best to preserve as many of your assets as possible. Usually any fees you pay me will be money you would otherwise be paying Utah Medicaid without benefiting from my legal services.
CALL TODAY 801-770-6848
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