Long-Term Care Insurance Leveraging
Private Pay Planning Strategies
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Nationally, the average monthly cost of nursing home care is $7,756, while the Michigan average is nearly 16% higher at $8,973.
1 in 3 Adults in the United States will be diagnosed with some form of Alzheimer’s.
1 in 5 Adults in the United States currently has assumed the role of an unpaid caregiver. Often, the caregiver passes before the person he/she is caring for. So preserving your assets is not just necessary for providing care for yourself but is actually crucial in safeguarding the health and well-being of your spouse or family member who will be caring for you.
Life planning encompasses many aspects of one’s life as one moves into the “2nd half” of their lifetime. Much of the focus ends up being financial and healthcare-related. It includes Medicaid eligibility and planning, Alzheimer’s / dementia, in-home care, nursing or assisted living homes, and other long-term care. For business owners, it typically includes a plan for whether the business will be passed on to the next generation or sold. Those with significant assets can plan to avoid or minimize estate taxes while protecting their assets through the right trust(s).
Medicaid offers more comprehensive long‐term care coverage than the Medicare program, and because long‐term care costs are so high, many middle-class seniors rely on Medicaid to pay for their care. A common misconception about Medicaid is that you must impoverish yourself and your family entirely before you can qualify for long‐term care coverage. This is simply not true.
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If these things are what you are looking for in a law firm, then contact us to see how we can help you and your family.
We help families locally within or near the Bloomfield Hills area and throughout Michigan. Our “Virtual Visits” and Mobile Notary allow us to serve the greatest area possible in the state.
Locally we serve Bloomfield Hills, Troy, West Bloomfield, Farmington Hills, Rochester and Rochester Hills, Sterling Heights, Shelby Township, Macomb, and many others.
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The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. Contacting us does not create an attorney-client relationship.