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What Do I Do? How Do I Pay For It? What's Available in Indiana?

 Posted by Renee Anderson on April 10, 2020 at 7:03 PM

Thanks to our guest blogger, Ann Hiott, Elder Law attorney with Einterz Law Offices.

“What do I do if my loved one or I need long term care?  What are my options in Indiana?  Most importantly, how am I going to pay for it?”

            These are common issues elder law attorneys address with clients if they are facing the possibility or reality of long term care, at home, in an assisted living facility, or in a nursing home.  You have options and it’s good to be a Hoosier.  Indiana has a variety of options when it comes to how and where you receive long term care.  Indiana has a plethora of beautiful, quality facilities if those best meet your needs.  Indiana has top-notch health care businesses to provide home-based care as well.  The problem most families face is not the quality of care they receive, but how to pay for the care they need.  Medicare is designed for short-term care (doctor visits, surgeries, rehabilitation, and perhaps medication coverage depending on your Medicare plan and supplements); however, Medicare does not pay for long term care.  There are only two ways to pay for long term care:  out of pocket (using your income, assets, and long term care insurance if you have such an investment) or with a government program. 

Enter Indiana’s Medicaid for the Aged and Disabled.  Many Indiana residents do not realize that Medicaid is a federal and state partnership and is designed to help care for all.  The Medicaid system is like a huge umbrella with various programs designed for the indigent and those who are aged (over 65 years old) and disabled and need help paying for the care they need.  Indiana has some of the best asset preservation rules in the country and is set up to help those residents that have paid into the system their entire working lives and now need long term care for themselves.  But, you must seek financial assistance legally and according to the federal and state laws and rules. 

It is imperative to contact an elder law attorney to ensure that you do it correctly and as efficiently as possible. Indiana is blessed with a wonderful bar of elder law attorneys who share a common goal: ensuring you get the care you need, when and how you need it, with as little financial stress as permitted by law.  Planning for this type of life event involves more than just estate planning and putting people in place to make your financial decisions or healthcare decisions if you become incapacitated (using Durable General Power of Attorney and Appointment of Health Care Representative legal documents); although such estate planning is imperative as well.  Helping Hoosiers navigate the long term care waters is what elder law attorneys and staff specialize in and find is a very rewarding area of the law.  Your plan should be individualized because what works for one family may not be what’s best for another family.  Preparation is the key to success in life and you can stay in control if you plan properly and have the right tools and guidance on your side to meet your goals.

Ann Hiott, Einterz Law Offices, 317-774-3154 - adhiott@gmail.com