Long-Term Care Planning


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Create a Long-Term Care Plan

Explore comprehensive strategies for long-term care planning with Perigon Legal Services. Learn about healthcare, housing, and financial planning for your future needs.

Author: Stan Faulkner, Founder, Perigon Legal Services, LLC

Mr. Faulkner is an experienced counselor and litigator with 15 years of experience, having held bar licenses in four states (Mo, Il, Ct and Ga). Stan Faulkner uses this experience and focuses his skills in the pursuit of assisting individuals in probate (trust and estate) matters, guardianships and conservatorships, estate planning, business disputes and contract disputes. Published on January 04, 2024.

Long-term care, or LTC, is a set of services to help adults receive the support they need to live as happily and safely as possible. LTC can be provided at a person’s own home, in a community, in a nursing home, or any other facility. This kind of service commonly applies to those aged 65 and above, but any person, regardless of age, may acquire it.

Long-term care and special needs trust planning are often overlooked. However, both are undoubtedly crucial if you want to protect your and your family’s future. At Perigon Legal Services, our elder law attorneys have the passion, experience, and diligence needed to assist people needing estate planning, guardianship, and other long-term care plans.

Read on to understand the intricacies of long-term care planning and how having our legal team can help with your needs.

Understanding Long-Term Care Planning

Long-term care encompasses various services dedicated to helping those with chronic illnesses or a disability for a period of time. These services assist the person in need with their daily living, such as dressing, bathing, and other personal activities. A long-term care plan provides provisions to protect your wealth and assets once you need long-term care.

In the United States, the average life expectancy for men is 76.4 years, and women’s is 81.2 years. Having your healthcare planned early can help you cover all the necessary expenses in the future and spare your loved ones from the financial burden of out-of-pocket expenses. Thinking ahead can give you enough time to take advantage of, for example, more affordable policies.

Assessing Your Long-Term Care Needs

You can assess your long-term care needs by considering the following factors:

  • Your age

  • Health condition

  • Any disability or any family history of illnesses

  • Your financial capability

  • Level of care needed for a quality life

  • Functional assessment tools available in your state

Finding an estate planning lawyer to help you assess your LTC needs is daunting. At Perigon Legal, we have attorneys with decades of experience in estate planning. They can assist you in creating a comprehensive personal care plan.

Options for Long-Term Care

There are two options in long-term care: home-based care (HBC) and community care (CRC).

  • Home-Based Care: In-home care is typically provided by family members, friends, or neighbors. In other words, they are informal caregivers. Most informal family caregivers’ services involve daily activities like bathing, dressing, eating, and taking medications. They are also responsible for supervising the person and ensuring their safety.
  • This may also be provided by professional caregivers, like nurses, home health care aides, and other professionals who can provide long-term care at home. They assist the person with daily activities and are responsible for their well-being and physical therapy.
  • Community and Residential Care: This is a type of LTC serviced by a community or a residential facility. They are establishments trained and certified to provide health services. Some facilities that you can consider include the following:
    • Accessory Dwelling Unit (ADU): This is a special living space found on your property.
    • Subsidized senior housing: An affordable house rental is suitable for low-income older adults.
    • Continuing Care Retirement Communities: These are places where older adults are given long-term care needs.
    • Group living arrangements or living facilities like nursing homes: These establishments provide personal care and medical services to seniors who need assistance with their daily activities.

Understanding Long-Term Care Insurance

Long-term care insurance covers expenses that are related to long-term care. This is the source of the funds for nursing home care, home health care, or even personal or adult day care for those aged 65 and older. This type of insurance also covers assistance for those who need constant supervision, like individuals with chronic conditions or disabilities.

To get the most out of this policy, speak with experienced elder law attorneys at Perigon Legal Services.

Special Needs Trusts

A special needs trust is a legal instrument that enables a disabled person or ill person to receive compensation without affecting their government benefits like Medicaid or Supplemental Security Income. Through this kind of trust, a person with a disability can still be able to receive financial support throughout their lifetime. Get the help you need for special needs trust planning with Perigon Legal Services.

Steps to Start Your Long-Term Care Planning

Planning for your long-term care needs a comprehensive approach. It must address all aspects of an individual’s future financial, legal, and physical well-being. These steps are crucial in the planning process:

  1. Assessment of needs: This includes a thorough assessment of an individual’s current health, financial situation, and family dynamics.
  2. Setting goals and preferences: Goals and preferences for healthcare, home health aides, living arrangements, and the legacy they wish to leave are discussed.
  3. Financial analysis: A financial advisor can assess your financial standing and create a financial plan that covers long-term care costs.
  4. Legal planning: An estate planning attorney can address legal considerations when setting up your long-term care plan.
  5. Medicaid planning: This involves the strategic arrangement of financial affairs to qualify for Medicaid benefits while protecting assets. The goal is to structure assets and income in a way that complies with the eligibility criteria of Medicaid and other government programs, ensuring access to necessary healthcare services without depleting all financial resources.
  6. Insurance coverage: Having long-term care insurance is vital while you are healthy and can make decisions for yourself. Waiting until it is too late to have life insurance policies might result in an overly expensive policy. That said, you’d need to obtain a policy that covers long-term care to minimize the financial burden of your long-term care needs.
  7. Regular reviews and updates: Your long-term care plan must be reviewed and updated regularly and as often as needed. New life events can affect your current plan or financial situation, so regular updates are crucial.

Resources and Support

Here are places to get more information on long-term care services.

If you need legal advice on long-term care plans, look no further than Perigon Legal Services. We can create tailor-made policies for your healthcare, regardless of your financial situation.

Plan for Long-Term Care Today

Long-term care planning is crucial to securing a comfortable and well-supported future, especially in the context of aging and potential health challenges. The intricate nature of long-term care involves various considerations, from financial and legal planning to healthcare decisions.

For personalized and laser-focused guidance in navigating the complexities of long-term care planning and Georgia estate law, we encourage you to reach out to Perigon Legal Services. Our team of dedicated elder law attorneys will assist you in creating a comprehensive estate plan that doesn’t exclude long-term care.

Schedule a free consultation with us today.

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