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By: Sipi Gupta | January 13, 2020

Long-term care insurance is a specific type of insurance product that helps people cover the cost of long-term care beyond a predetermined period.  But it’s not the only way to pay for in-home care, adult day care, assisted living or a nursing home.

 

Short-term care insurance is an alternative to long-term care insurance that provides good coverage for those in need of long-term care.  Not only are they less expensive, but they may also be available to older seniors or those who aren't otherwise eligible for long-term coverage. Short-term care insurance policies (also known as recovery care or convalescent care policies) will offer between $50 to $300 per day of long-term care coverage for 180 to 360 days.  You choose t...

By: Sipi Gupta | August 24, 2019

As your parents age, they may spend months or years in a nursing facility. What happens if one of them is in need of long-term care and is unable to pay for it?  Currently, 28 states and the Commonwealth of Puerto Rico have filial responsibility laws holding adult children legally responsible for support of financially strapped parents.


Pennsylvania has captured the most attention, due to a case, HCRA v. Pittas (2012 Pa. Super 96, May 7, 2012), in which an adult son was found liable for his mother’s $93,000 nursing home bill following an automobile accident. 


Maryann Pittas, the victim of a car accident, was a patient in a nursing home for about six months. A few weeks after she was released, her son received the nurs...

By: Sipi Gupta | May 06, 2019

There are many federal government benefit programs available to individuals with disabilities. Programs are often referred to by confusing acronyms (LIHEAP, SNAP, QMB, to name just a few) and some programs are very different but sound similar (for instance, Medicare and Medicaid or SSI and SSDI). Stop in each week for a spotlight on a different benefit program. Today, we take a look at Aid & Attendance.

Benefit:  Cash benefit provided by VA if care costs and medical expenses exceed income

Net Worth Limit (combined assets and income):  $127,016; Residence exempt up to 2-acre lot

Comments:  Medical expenses deductible; three-year lookback with disregard for asset transfers prior to 10/18/18

By: Sipi Gupta | January 27, 2017

The war on Medicaid impacts our disabled children, disabled adults, and senior citizens.  Read Steve Gold's recent Philadelphia Inquirer editorial describing what's at stake.