Nursing Home Planning

Many legal issues arise when an individual needs nursing home care. A lengthy contract must be signed. Financial considerations must be reviewed. In addition, there are frequently questions regarding what your rights are as a nursing home resident. These are issues our office deals with on a regular basis.

We provide answers to the following questions, and give you the peace of mind of knowing the best possible planning is in place for you and your family:

• Will the nursing home take all of our money?
• How will we pay for the nursing home?
• What is the difference between Medicare and Medicaid?
• Can we protect our home or other assets if nursing home care is needed?
• When should I/we begin planning to be prepared for the costs of long term care?
• Is it too late to engage in asset protection planning?
• Can my children be held responsible for the cost of my nursing home care?
• What home and community based services are available as an alternative to nursing home care?
• What rights do I have as a nursing home resident?

Read Our Guide to Nursing Home Planning in Pennsylvania

Medicaid & Nursing Home Planning Statistics

• Pennsylvania had 72,936 residents in certified nursing facilities in 2020.
• According to the Pennsylvania Department of Health, from July 2019 through June 2020, the state had 87,707 licensed beds with an occupancy rate of 84.29.
• In 2020, the monthly median cost of a private nursing home room in Pennsylvania was $10,828, the 16th most costly nationwide. A semi-private room cost $10,038.
• Seven out of 10 people will require long term care in their lifetime.
• In Pennsylvania, Medicaid covers 2 in 3 nursing home residents.
• According to America’s Health Rankings 2021, Pennsylvania ranks 32nd nationwide for nursing home quality.

Asset Protection

The financial burden of paying for nursing home care can be devastating. Planning is possible to protect the spouse of a nursing home resident, a disabled child, and/or other family members faced with nursing home costs. The earlier you plan, the more options you will have available to you. In addition, there are many asset protection options available to minimize the tax consequences for your estate.

Medicare and Medicaid Issues

Our office can advise you with regard to both Medicare and Medicaid benefits. What each of these programs covers and how to qualify for the benefits are questions our office is experienced in answering.