What's the Best Way to Protect a House From Medicaid -- Gift or Trust?
My parents are getting older and they want to make sure their home is not taken from them if they should end up in a nursing...
Read moreMany use the terms “skilled nursing facility” and “nursing home” interchangeably. However, they are separate care facilities. Although skilled nursing facilities and nursing homes sound similar, they have fundamental differences, including the level of medical care they provide.
Whereas nursing homes are long-term residential facilities that serve people with chronic conditions, skilled nursing facilities are rehabilitation and treatment centers. Nursing homes are appropriate for long-term residents, while skilled nursing facilities support short-term recovery from acute medical issues.
How long a person needs to stay at a facility can determine whether they go to a nursing home or a skilled nursing facility. People usually remain in nursing homes for longer durations than in skilled nursing facilities. Many older adults move into nursing homes permanently. Those in skilled nursing facilities tend to stay for shorter periods of time and then move back home or into long-term care.
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According to the National Care Planning Council, people who enter nursing homes stay for an average of more than two years. The average stay in a skilled nursing facility is about a month.
In addition to the length of stay, a significant difference between skilled nursing facilities and nursing homes is the type of care available. Skilled nursing facilities specialize in addressing residents’ unique medical needs.
Skilled nursing requires qualified practitioners with advanced training and specific certifications. Licensed health professionals work at skilled nursing facilities, including:
Depending on the type of care you need, note that you can obtain skilled nursing services in other settings as well, including your home and nursing homes.
Individuals who have severe accidents, such as falls, might need short-term care in a skilled nursing facility. Others may go to skilled nursing facilities to receive treatment for severe illnesses like cancer. People might also need to stay in a skilled nursing facility when recovering from surgery.
Types of care available at skilled nursing facilities include:
As part of medical care, specialized medical equipment is available at skilled nursing facilities.
When individuals can no longer live in their homes safely and need assistance with daily living, they may choose to move into a nursing home. Nursing homes also offer activities to residents, such as social events, shopping excursions, and access to religious services. Day and night, residents have access to nursing services.
However, unlike skilled nursing facilities, nursing homes do not offer medical care that meets all residents’ specific needs. Residents at nursing homes with specific medical needs often travel to healthcare facilities to receive care. Family members can drive residents to appointments, or they may use transportation services to access medical care that meets their unique needs.
In addition, while registered nurses work in nursing homes, fewer licensed professionals might be available to residents in this type of facility.
Learn more about choosing and evaluating nursing homes.
Both skilled nursing facilities and nursing homes provide round-the-clock activities of daily living (ADLs), including:
Showering and bathing
Getting dressed
Cooking and meals
Personal hygiene
Walking
Mobility
Getting in and out of bed
Moving in and out of a wheelchair
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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