Author: Linda Ershow-Levenberg

If  a child who lives in your home with you is helping you with your ADL’s (functional activities of daily living), it’s probably a good idea to start documenting all of the things they do for you. Long-range planning for long-term care often includes the potential use of long-term care insurance benefits or Medicaid benefits to pay...

get organized in case there’s an emergency

This post is about “Medicaid caregiver child house transfers,” as they are commonly known. Readers of this blog know that when a person applies for long-term care benefits under the MLTSS Medicaid program, they will generally be denied benefits for a period of time if they transferred (gifted) assets during the 5-year look-back...

When an individual who lives in a skilled nursing facility (SNF) is approved for Medicaid, a “Medicaid number” is assigned to that individual. This is the number that will be used for billing purposes by the nursing home, the pharmacy, the hospital, and other health care providers. The MLTSS Medicaid program pays for the skilled nursing facility at a specific daily rate as long...

There’s a natural human tendency to kick cans down the road when we can, and to put off those things that just don’t seem imminently necessary. People enter into legal arrangements without writing documents. They avoid signing Wills or Powers of Attorney because they feel well and everything seems fine. And when a family member is developing signs of incapacity — whether...

When a married person applies for Medicaid benefits to pay for nursing home care (“institutional care”), the first day of the first month of continuous residence in the facility is often referred to as the “snapshot date.” On that date, a “picture is taken” of all of the non-excluded assets owned by the two spouses.  A calculation is then made to see if a...

At the time of admission to one of the New Jersey Veterans Memorial Homes, a worksheet is prepared based on the current values of the “accountable assets” as well as the income that is available. A home owned by the veteran is a non-accountable asset. If the home was sold, and the proceeds are kept in a segregated account, those funds are considered “non-accountable.”...

The surviving spouse of a Social Security recipient is entitled to a “bump up” in their benefits if the deceased spouse received a higher monthly benefit than the survivor was receiving. Typically, the funeral director notifies the Social Security Administration about the death. Don’t assume that this notification suffices to preserve eligiblity for the widow’s benefit....

Reverse mortgages have been an appealing option for many aged homeowners, because they provide access to the equity in the home when liquid assets are getting used up. These Home Equity Conversion mortgages (HECM for short) need not be repaid until the homeowner dies or vacates the premises. The borrower has to be able to pay the ongoing basic property maintenance charges — such as condo...

This is my tribute to the elders in our communities who have been so terribly affected by  the COVID-19 pandemic restrictions. Untouchable; Alone (April 16, 2020 Central Jersey) (c) Linda S. Ershow-Levenberg , all rights reserved Untouchable. Alone. He wants his daughter. Every morning she brought coffee and some news. She would tell him of the books that she was reading, trim his hair, or...