Metro Medicaid Consultants will guide you through the jungle of government regulations - and and get you all the benefits you truly need and deserve.
- David and Kelly Jennings are expert intermediaries in Long Term Care Medicaid coverage options.
- We decode and explain the different Medicaid resources for your specific situation.
- We manage the paperwork process to help you get the community assistance you need.
Our mission is simple. Using our knowledge and expertise with government programs - and in accordance with the highest ethical standards - we help our clients take full advantage of the benefits for which they qualify, thus providing them peace of mind with respect to their loved ones and assets.
Due in large part to healthier lifestyles and advances in modern medicine, Americans are living longer. For the first time in the history of mankind, many millions of individuals have the expectation of reaching their 80’s and beyond.
With Americans living longer comes an increase in the likelihood that they will outlive their ability to care for themselves and end up in a nursing home or some other form of long-term health care.
When you add to that the staggering costs of long-term health care, you get the real likelihood of financial ruin for many families as they face the prospect of outliving their money and assets. Retirees who have played by the rules their entire lives, worked hard, lived frugally, and saved as much as they could in the hopes of having a nest egg for themselves and leaving some measure of financial security for their children and grandchildren are seeing their legacies evaporate, often in a matter of months, when, as often happens, the need for long-term care arises.
A recent survey revealed that 50 percent of the baby boomers (Americans born between 1946 and 1964) falsely believe that Medicare will provide chronic/custodial care for themselves and their parents. They are shocked when they learn that the governmental benefit known as Medicare does NOT cover the chronic problems that cause an individual to need a nursing home or an assisted living facility, nor was it ever intended to.
The only governmental program that provides benefits for people with chronic problems who require custodial care is Medicaid, with its impoverishment limitations, which came into being at a time when life expectancies were shorter and few people required long-term custodial care.
Do you have to spend down all or even most of your assets in order to qualify for Medicaid? No, you don’t. In fact, in 2006, Congress made sweeping changes to the Medicaid laws that often allow the spouse to retain, in one form or another, virtually 100% of the couple’s combined resources. The laws for unmarried individuals differ. But, with Medicaid, due to the large quantity of misinformation, there is one law for the informed and one law for the uninformed.
- Some common questions we can help with:
- Can I protect my home from the state?
- How much of my income will I be allowed to keep?
- How can I reduce (or even eliminate) my nursing home bills?
- What is this I hear about a "look back" period? What does that mean?
- Will I be able to pass on an inheritance to my children?
- Is there a way for me to avoid the hassle of dealing with State agencies?
- My loved one is already in a nursing home...is it too late to qualify for benefits?