Elder Law & Medicaid Planning
Whether for yourself or your aging parents, we can help you plan for the financial, medical, and legal challenges that come with growing older. Our Northern Kentucky elder law attorneys can help you develop a comprehensive plan to ensure your wishes and preferences are honored in the future. And we can help protect you and your assets if you become incapacitated and require assisted living or nursing home care.
Thanks to healthier lifestyles and enhanced medical technology, life expectancies in the U.S. are at an all-time high. But that also means more seniors will require some form of long-term care. Whether in-home assistance or a long-term nursing home stay, it’s becoming inevitable that most of us will need such care at some point in our lives.
The problem is, long-term care is growing more expensive every day. Some studies estimate that nearly two-thirds of families will run out of money within the first year or two of moving into a nursing home. Unfortunately, most private health insurance plans and Medicare don’t cover long-term care costs, which can average $4,000 to $10,000+ per month in our region, depending on where you live and what level of care you require.
Long-Term Care Planning
We help our clients pursue alternatives to nursing homes. Still, suppose a nursing home or other extensive care is necessary. In that case, we help alleviate the otherwise overwhelming burden of placing a loved one in a facility. We accomplish our client’s goals by protecting our clients’ life savings against catastrophic care costs and lending our heritage of assisting families. Our attorneys can help people preserve their life savings while accessing better care.
Special Needs Planning for the Disabled
For many disabled people to obtain health insurance and other assistance, they must qualify for Medicaid and other government programs based on financial need. We help our clients legally protect assets to retain or obtain eligibility for these sometimes life-giving benefits. This planning also applies to our clients who wish to provide for a disabled heir in a will or a trust.
We seek ways for our clients to avoid guardianship proceedings. Still, sometimes families must pursue guardianship when it is the only way to help an incompetent loved one. We have great experience in guardianship cases and can help our clients minimize costs and aggravation in these proceedings.
General Aging and Disability Advice
Sometimes the greatest service we bring to a client is our depth of experience and resources in aging and disability matters. Elder law involves many issues that are intertwined with traditional estate planning.
A client may come into our office for a specific legal issue such as a new Will, but that client often leaves with a feeling that the greatest value is the guidance and support which comes so naturally from each attorney and staff member.