Contemplating Medicaid

For the individuals who continue to think that applying for Medicaid is disgraceful, reprehensible or shameful, please consider the following concerns. Suppose a person saved approximately $200,000 in his/her lifetime and now requires nursing home care. Today’s prices an average nursing home with no special needs, such as, ventilator, feeding tube, etc., will cost you… Read more »

Hiring Family Members to Care for You

There are many private companies advertising that by joining their program the elderly population requiring home care services can hire their own family members to provide the care and get paid for the services. Obviously they are referring to the Medicaid program called Consumer Direct Personal Assistance Program (CDPAP), which require the recipients to have… Read more »

Protect Your Surplus Income

Many elderly and disabled individuals applying for Community Medicaid, in order to receive home-care services, are told they are not financially eligible due to their excess income. Basically, a Community Medicaid applicant can have up to $879 income per month. Applicant’s who have more than $879 are ineligible or have a monthly spenddown; however, if… Read more »

Immediate Need for Personal Care

Suppose the applicant has an immediate need for Personal Care Services, such as, meal preparations, bathing, housekeeping, or toileting, and wish to receive services quickly rather than wait anywhere between two to five months after applying to receive services applicants must meet the following conditions: * Applicant has no informal care-givers available, able and willing… Read more »

Home Care Hours Cut

While many but not all Community Medicaid recipients with home care services are receiving letters from their Manage Long Term Care Agencies (MLTC), indicating their hours of services are going to be reduced, it doesn’t mean new applicant’s should be discourage from filing. Consider the following: Suppose an applicant requires 12 hours of home care… Read more »

Care Givers

It’s not uncommon to hear spouses not wanting or rejecting the idea of allowing someone to assist them with their loved ones care. They refuse any assistance, such as, lifting their loved ones in and out of bed, placing them in and out of wheelchairs, laundry, dressing, changing their soiled cloths, cooking and feeding them… Read more »

Who is eligible for Medicaid?

Most people believe they are not eligible for Medicaid, because they were told they need to spenddown their life savings before they can apply for Medicaid medical assistance. While it’s true that a Medicaid applicant in 2018 cannot have more than $15,500 in resources it is also true that applicants are allowed to transfer their… Read more »


What a dreadful word “spenddown” is. Several time a week I hear the word from many families telling me they were informed that their loved ones are not Medicaid eligible until they spenddown their life savings. It’s clear that Medicaid personal will tell applicants to spenddown their life savings, because they are not allowed to… Read more »

When should applicants file for Medicaid?

When is it a good time to apply for Medicaid if you have excess resources? Some will tell you that applicants need to spend all of their resources before applying. Although this is an option it’s not their only choice. Let’s consider the following scenario: Applicant One: Has $200k in resources and was informed that… Read more »

Don’t Wait

I am sure we all read the book Waiting for Godot by Samuel Beckett in which two characters, Vladimir and Estragon, wait for the arrival of someone named Godot who never arrives. Unfortunately many families are doing the same when it comes to their loved ones home care services or nursing home care. Unbeknownst to… Read more »