Case Studies

Nursing Home Asset Protection for a Married Couple

Daughter Barbara was referred to SRCWC by a Social Worker in an acute care hospital. Her parents had been living at home with more and more difficulty over the past few years. Her father George was in frail health with advancing Parkinson’s, and his wife Elaine recently suffered a debilitating stroke that made caring for her at home impossible. She would need urgent care provided in a nursing home upon hospital discharge. George wanted to stay living in their family home if possible.

Barbara understood that the situation had changed dramatically for her parents, but was not sure what to do. 

Benefits to Barbara and her family:

• Ensured Elaine’s placement in a high quality nursing home with costs covered by Medicaid.
  
  
• Ensured George could stay in his home safely by advising on appropriate home care services.
  
  
• All legal documents** were in place for future needs pertaining to financial*** and care decisions.
  
  
• Completed the Medicaid application and obtained Medicaid approval for Elaine’s care costs.
  
  
• Protected $150,000 in liquid assets, the couple’s life savings.
  
  
• Protected the family homestead, a $400,000 home.
  
  
• Created a place for the family to continue to go for advice and support, and coordinate any necessary planning changes at no extra cost.
  
  
• Priceless peace of mind for all.

Medicaid covered Community Based Services

Doris was referred to SRCWC by a previous client and called regarding her husband John who was 66 and had just had a major stroke requiring an extended stay in a rehabilitation facility. Medicare insurance coverage was about to end and it was unclear as to his long term care needs. She was very anxious to learn about home care services that along with the support of her 4 sons, would help her to be able to care for him in their home. Doris still worked full time and would have to cut her hours or take an extended leave from her job which made access to appropriate benefits a critical element in their decision regarding home care.

Benefits to Doris and her family:

• All legal documents** were in place for future needs pertaining to financial*** and care decisions.
  
  
• Prepared and filed a long term care Medicaid application to cover non-covered days in nursing facility while discharge plan was developed, saving family $300/day.
  
  
• SRCWC Nurse Case Manager and Benefits Coordinator worked with family and facility staff on plan for care at home with coordination of Community based waiver program through Medicaid that would provide several hours per week of home care services.
  
  
• SRCWC services available for life of clients to support them through inevitable changes in care needs that require ongoing access to various programs to achieve their personal family goals.

Veteran’s Aid & Attendance Pension Program

Son Bob was referred by a local Assisted Living Facility and called about mother Margaret, widow of a WWII Veteran recently diagnosed with moderate dementia and unable to continue to live safely at home.

Benefits to Bob and his family:

• All legal documents** were in place for future needs pertaining to financial*** and care decisions.
  
  
• SRCWC Nurse Case Manager assisted with placement at appropriate Assisted Living Dementia care unit.
  
  
• Repositioned assets in compliance with current VA guidelines to qualify for VA Pension program that subsidizes care in an Assisted Living Facility.
  
  
• Filed and obtained $12,000 per year in VA benefits for allowable monthly benefit that will extend available care dollars for the life of the client.
  
  
• Is available to family for the life of the client as care needs change and access to other programs becomes necessary.

*Senior Resource Center of Worcester County, LLC (SRCWC) is not an affiliate or subsidiary of Senior Resource Center, Inc. or any of its affiliates. SRCWC is an independently owned licensee in Worcester County, Massachusetts.

**Senior Resource Center of Worcester County, LLC (SRCWC) is not a law firm, but is affiliated with The Law Office of Christopher R. Sharry. SRCWC provides a legal overview of potential legal issues and may make a referral to The Law Office of Christopher R. Sharry or a law firm of the individual’s choice if legal work is necessary. Services provided by SRCWC are not legal services and the protections of the lawyer-client relationship do not exist with regards to these services.

***SRCWC and its employees are not registered investment advisors, nor do we sell securities.