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Long Term Care Planning 20090608

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Long-term care planning involves assessing the risks of needing long-term care services and protecting assets from being depleted by high costs. Common strategies include long-term care insurance, Medicaid planning through trusts or transferring assets, and using life insurance proceeds. Medicaid is often the last option and has strict eligibility rules around assets, income, transfers, and recovery against the estate. Comprehensive long-term care planning requires working with specialists to navigate the complex rules and identify the best strategies.

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Long-term Care and Asset Protection Planning Sandra L. Smith, CELA Oast & Hook, P.C. Attorneys and Counselors at Law Serving Virginia and North Carolina Tel: 757-399-7506 | Tel: 252-722-2890 Fax: 757-397-1267 www.oasthook.com
What Is Long-term Care? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
What are the Chances of Needing Long-term Care? ,[object Object],[object Object],[object Object],[object Object],[object Object]
Cost of Long-Term Care ,[object Object],[object Object],[object Object],[object Object],[object Object]
Future Cost of Long-term Care ,[object Object],[object Object],[object Object],[object Object],That means that in 30 years, a 2 ½ year stay will cost $840,022! Note: Costs are based on present average rate of $165 per day
Why Do We Care About Asset Protection Planning? ,[object Object],[object Object],[object Object]
What is Asset Protection Planning? ,[object Object],[object Object],[object Object]
Is Asset Protection Appropriate for Everyone? ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Prior Planning Improves Results ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Sources of Funds to Pay for LTC ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare and Medicare Supplements ,[object Object],[object Object],[object Object],[object Object]
Medicare Benefits ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Medicare Facts ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
That Leaves Four Choices ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Veterans Benefits ,[object Object],[object Object],[object Object]
Planning for VA benefits ,[object Object],[object Object],[object Object]
That Leaves Three Choices ,[object Object],[object Object],[object Object],[object Object],[object Object]
Income, Savings, and Life Insurance ,[object Object],[object Object],[object Object],[object Object]
Use Life Insurance ,[object Object],[object Object],[object Object]
Life and Viatical Settlements ,[object Object],[object Object],[object Object]
That Leaves Two Choices ,[object Object],[object Object],[object Object]
LTC Insurance Deductibility ,[object Object],[object Object],[object Object],[object Object],[object Object]
Finally - That Leaves One Choice ,[object Object],[object Object],[object Object],[object Object],[object Object]
Overview ,[object Object],[object Object],[object Object]
Medicaid Manual ,[object Object],[object Object],[object Object]
Basic Criteria for Eligibility ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Financial Criteria: Resources ,[object Object],[object Object],[object Object],[object Object]
Countable Assets ,[object Object],[object Object],[object Object],[object Object]
Common Thought ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Lookback Periods ,[object Object],[object Object]
Non-countable/exempt Resources ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Spousal Protections ,[object Object],[object Object],[object Object],[object Object]
Financial Criteria: Income ,[object Object],[object Object],[object Object]
Common Asset Protection Strategies ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Self-Settled Special Needs Trusts ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]
Care Agreement ,[object Object],[object Object],[object Object],[object Object],[object Object]
Good Faith Effort to Sell ,[object Object],[object Object]
Life Estates ,[object Object],[object Object],[object Object]
Transfer to caretaker child or adult disabled child ,[object Object],[object Object],[object Object]
5 year trust plan ,[object Object],[object Object],[object Object]
Promissory notes ,[object Object],[object Object],[object Object]
Medicaid Annuity ,[object Object],[object Object],[object Object]
Estate Recovery ,[object Object],[object Object]
Conclusion ,[object Object],[object Object],[object Object]
Oast & Hook, P.C. Attorneys and Counselors at Law Offices in Elizabeth City, Portsmouth, and Virginia Beach Tel: 757-399-7506 | Tel: 252-722-2890 | Fax: 757-397-1267 Please visit our web site at www.oasthook.com ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

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Long Term Care Planning 20090608

  • 1. Long-term Care and Asset Protection Planning Sandra L. Smith, CELA Oast & Hook, P.C. Attorneys and Counselors at Law Serving Virginia and North Carolina Tel: 757-399-7506 | Tel: 252-722-2890 Fax: 757-397-1267 www.oasthook.com
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  1. Script