What is the Face of Medicaid?
Medicaid is considered a poverty program but it actually provides benefits to many middle class families. This is in the form of payment for long-term care in institutional and home-based settings. Medicaid also assists many disabled children, and disabled adults under 65. The “face” of Medicaid is as diverse as New Jersey itself!!
Fink Rosner Ershow-Levenberg LLC can help you navigate the...
Medicare Open Enrollment Season is Here
It is that time of year again — time to reassess whether your Medicare plan is working for you. The Medicare open enrollment period runs from October 15 to December 7 2012.
During the Medicare open enrollment period, you may enroll in a Medicare Part D plan or, if you currently have a plan, you may change plans. In addition, you can switch out of a Medicare Advantage (managed care) plan...
Seniors and Reverse Mortgages are Front and Center
The New York Times has an important article on their front page regarding how subprime lenders are moving into the reverse mortgage market and pressuring younger and younger borrowers (minimum age 62) to take out home equity this way, which could incur major fees to the lender while the borrower simply doesn’t have the income to maintain the property, leading to foreclosure.
The law firm of...
Granny cams Keep an Eye on Your Loved One In Nursing Homes
Are you concerned about the quality of care for your loved one in the nursing home they are in? If so, you might want to consider installing a “granny cam.”
Recently, a hidden camera discovered major abuse in a Hudson County nursing home. Right now, there is legislation pending in the New Jersey Legislature on the right to install a granny cam. Seems like an option worth considering….. as...
Elder Law at the Movies
There are a lot of recent movies that tell interesting stories about Elder Law issues.
Go see the movie Robot and Frank to learn about the future of getting long-term care from robots. Or the Best Exotic Marigold Hotel for the outsourcing of long-term care to other countries.
Win Win tells a story about an elder law attorney right here in Union County!
And don’t forget Disney Pixar’s Up,...
Recent Changes in Medicaid Eligibility – NJ Elder Law
Seniors and their families need to be aware of the new landscape for individuals who potentially will require nursing home care in the next five years, as the rules governing Medicaid eligibility have changed.
It is vital that individuals save all of their documentation for at least five years in case it becomes necessary to apply for Medicaid. A variety of planning strategies, including...
Medicaid rules enable some spouses to keep extra assets
Did you know that there is a way for low-income community spouses of Medicaid applicants to hold onto extra assets? We have had the opportunity in an array of cases over the years to obtain greater protection for such spouses. Ordinarily, the combined available marital assets must be “spent down” to a certain level before an application for Medicaid can be filed to pay for the...
Medicaid: post-eligibility income deductions for pre-existing medical expenses
E. R. vs DMAHS and Department of Health and Senior Services
OAL docket no. HMARP 09910-09, Final Agency Decision dated April 12, 2010.
In this case, attorney Lauren S. Marinaro secured a Post-Eligibility Medical Expense Income Deduction (PEME) for her client per 42 USC 1396a(r)(1)(A) to pay off the Medicaid recipient’s outstanding pre-eligibility assisted living health care...