Retirement Benefits and Long Term Care Issues

Not everyone understands their retirement benefits, such as Medicare and Social Security, and how those benefits fit into the inevitability of long-term care (8 out of 10 Pennsylvanians will require some form of long-term care before they die). Our staff is experienced in assisting clients to work out coverage issues before they become problems.

Medicare and Medicaid

What is the difference between Medicare and Medicaid?  Medicare pays for skilled medical care, and Medicaid (at least for seniors) pays for long-term non-skilled care.

Does Medicare pay for long term care?  No it does not.

How does my Medicare coverage affect my long-term care?  It doesn’t affect it so much as it works in conjunction with it.  A nursing home patient may have periods in a long-term care bed and periods where they require skilled care.  Medicare will kick in when there is medical care required.  If a patient is on Medical Assistance, medical expenses such as the premiums for Medicare and supplement policies are permitted as a deduction against what is paid to the nursing home.  You should never drop health insurance when going into a long-term care facility.

Contact Us Today!

The Elder Law Attorneys at Shober and Rock represent clients with a wide range of needs. Call (215) 345-4301 today to consult with our experienced Social Security Lawyers or a disability attorney in Doylestown, PA.