What is elder law?
Elder law is a diverse area of legal practice focusing on the numerous areas of law that impact aging adults and their loved ones. This includes long-term care planning, estate planning, retirement issues, tax planning, and planning for government entitlements.
Elder law often involves advance planning for illness or incapacity to minimize legal problems, preserve assets and maintain the dignity of senior citizens. Sometimes elder law involves crisis planning such as when someone is in need of immediate placement in a long-term care facility such as a nursing home.
What Clients Are Saying
Mr. Black took an extraordinary amount of time and preparation with my husband and myself to prepare our Last Will and Testament, Power of Attorney, and Advance Directive. I compared prices for the same services and feel that I was given a very fair fee for the work that was done for us. I would highly recommend Paul Black.
After talking with Paul, I knew exactly what I needed to do. He has been with me the whole way from getting her diagnosed with dementia, to helping with all of the legal paperwork and consolidating the finances (after having to find all of them first!) and getting her moved into an assisted living home where she is getting topnotch care. If you need a responsive and caring lawyer, hire Paul!!
Paul does an excellent job of making a connection with his clients. He becomes invested in meeting the needs of his clients. He is helpful, friendly and has lots of knowledge about trusts, wills, etc. It is easy to get in touch with Paul and he makes a point of staying in touch with you. Great experience all the way around.
Why should I plan in advance for long-term care issues?
Who pays for long-term care?
Long-term care in a skilled nursing facility in Georgia currently averages over $80,000 per year. Private health insurance does not cover nursing home care and Medicare only partly pays for skilled care in a nursing home for 100 days after a hospital stay. If one has long-term care insurance it can pay for nursing home care as set forth in the policy. This usually pays for a large part of the total cost (but not all of it). Few people actually have long-term care insurance. In reality, the cost of nursing home care is mostly paid for out of pocket or, if one qualifies for it, by Medicaid.
What is Medicaid Planning?
Medicaid planning is a reallocation of assets designed to preserve or maximize someone’s eligibility for Medicaid and to set aside funds for certain items such as:
- A private room in a care facility (something that is vital for a person with advanced dementia)
- Eyeglasses, hearing aids, and dentures, beauty shop visits
- Geriatric care management services
- “Companion” caregivers (as a supplement to often-overworked nursing home staff)
- Cable TV, a telephone line, and other conveniences
Good Medicaid planning allows an individual to optimize the care they receive (whether at home or in a nursing home resident), and pay for some of the relatively basic needs for which Medicaid won’t pay.
I am happy to help you & your loved ones craft a proper asset protection plan that observes Georgia’s intricate Medicaid rules and that will maximize the quality of life for Medicaid recipients and their spouses.