(724) 841-0004

info@heritageelderlaw.com
318 S. Main Street, Butler, PA 16001
Heritage Square Professional Building, Suite 250, 7031 Crider Road, Mars, PA 16046
2400 Ansys Drive, Suite 102, Canonsburg, PA 15317
1001 State Street, Suite 1400, Erie, PA 16501

Map

Contact Us

Pennsylvania Elder Law

Serving Families and Individuals in Butler, Cranberry and Grove City, Pennsylvania, and the Surrounding Towns & Counties


Elder law is another aspect of estate planning, focusing primarily on the needs of families and individuals as they age. Issues of aging include senior housing and home care, long-term (or nursing home) care, guardianships and health care documents, Medicare and Medicaid.

Senior Housing & Long-Term Care Options

The Long Term Care Dilemma

As our population ages, more and more of us confront elder law-related issues, whether for ourselves or our parents. One of the most pressing issues is long-term nursing home care, which usually is not covered by traditional health insurance. Depending on where you live and the level of care needed, nursing home care can cost from $35,000 to $150,000 a year. The average stay is slightly more than three years. Most people end up paying for nursing home care until their personal (or family) assets are depleted, then they may qualify for Medicaid to pick up the cost.

Careful planning, however, can help protect your assets, whether for your spouse or for your children. We counsel our clients on the benefits of asset protection trusts as well as long term care insurance.

Medicare

Clients are frequently confused over the differences between Medicare and Medicaid. Though their names are very similar, the programs are quite different. Medicare is an entitlement program, a federal health insurance program in which most people enroll when they turn 65 years old. There are no financial qualification rules. Medicare has two primary parts: Part A and Part B.

Medicare Part A covers in-hospital care, extended care after a hospital stay, some home health care services, and hospice services. The rules for nursing home coverage are very strict and, in fact, Medicare pays for less than 9 percent of nursing home care in this country.

Medicare Resources

Pennsylvania Medicaid

Medicaid, also known as Medical Assistance, is a joint federal-state program, subject to certain federal requirements, each state implements its own regulations on how the program is managed. Medicaid is not an entitlement program like Medicare, but rather a needs based benefit which is available to help families pay for long-term care. Medicaid eligibility is determined after the proper application is submitted to the state. There are many Medicaid insurance programs available in Pennsylvania, from basic medical coverage to nursing home programs.

The Pennsylvania Department of Aging provides a wealth of information for seniors and care givers.

We assist seniors and their families in making the tough decisions regarding long-term care planning, including whether Medicaid eligibility may be an option.

Senior Housing Options

Helping a parent move to senior housing can seem more intimidating than orchestrating a rocket launch. The death of a spouse, declining health or safety concerns can trigger the need to move. The first phase comes with the realization that what has been home is no longer suitable. Emotional ties to a place are hard to overcome. Finding a new home that is appealing and appropriate is no easy task, and neither is culling through a lifetime's accumulation of "stuff."

Here are some tips to help make the transition easier:

  • Plan ahead. Don't wait for a health crisis to start the process. The smoothest transitions occur when the person moving is in the driver's seat.
  • Get a full assessment of the current situation. Physical care needs and financial resources are where to start. Consider the costs of staying in place, including renovation and ongoing maintenance. Add the cost of rising utility bills and taxes, and don't forget transportation and food. Make a list and decide whether it's cheaper to stay or move to a community designed for seniors.
  • Take a multi-phase approach. Seniors often take longer than a year to actually make the move.
  • Fully explore new housing options. Senior living offers a broader range of options than ever before.

At Heritage, we are aware of local housing options. We help our clients navigate the long-term care maze to make sure they find the right level of care at the appropriate price.


Heritage Elder Law & Estate Planning, LLC. (located in Butler, Pennsylvania) is a full service Pennsylvania Estate Planning Law Firm. Heritage Law focuses on fundamental estate planning, Elder Law, Veterans benefits, wills & trust planning, powers of attorney, Medicaid application & qualification, long-term care planning, probate & estate administration, Medicaid crisis planning, special needs & disability planning, Aid & Attendance qualification, charitable planning, estate tax planning, business and corporate planning, business succession and sales, and asset protection. Heritage Law serves families and individuals in Butler, Cranberry and Grove City, Pennsylvania, and the surrounding towns & counties, including; Kittanning, Slippery Rock, Clarion, Indiana, and New Castle, PA.


Copyright © IMS. All rights reserved. You may reproduce materials available at this site for your own personal use and for non-commercial distribution. All copies must include this copyright statement. Some artwork provided under license agreement.

Learning Center /
FAQ

Events
Newsletter
Community Outreach

Follow Us Online

Facebook
Twitter
LinkedIn
Blog

Tweets

Contact Us

security code
BBB Accredited Business