When the time comes to consider assisted living for a loved one in Phoenix, Arizona, families often find themselves with a list of questions and concerns.  It’s a big transition, and understanding the financial implications is crucial.  Here’s where a Phoenix, Arizona elder lawyer can offer clarity and guidance to help you make informed decisions.

WILL ASSISTED LIVING FORCE THE SALE OF ASSETS?

One common worry is whether moving into an assisted living facility necessitates the sale of personal assets.  The truth is, it depends on individual circumstances and the policies of the facility.  An elder lawyer can review contracts and advise on asset protection strategies that align with your loved one’s needs and preferences.

COULD AN ASSISTED LIVING FACILITY PLACE LIENS?

Concerns about liens are understandable.  Generally, assisted living facilities don’t place liens on properties the same way that they might under Medicaid estate recovery rules.  However, it’s important to understand the specific agreements of the facility in question.  An elder lawyer can help dissect these agreements and protect your loved one’s assets from potential complications.

WHAT HAPPENS WHEN MONEY RUNS OUT?

The question of what happens if your loved one’s funds are depleted is a pressing one.  Assisted living facilities typically require private pay, and if the money runs out, you may need to explore alternative payment options or facilities, or even government programs such as Medicaid (called ALTCS in Arizona).  Your elder lawyer can help you understand the financial planning required to prepare for such situations and can guide you through the options available, including potential benefits or programs for which your loved one may be eligible.

ADDRESSING THE MEDICARE MISCONCEPTION

Many families assume that Medicare will cover the cost of assisted living, but this is a common misconception.  Medicare may cover short-term stays in a skilled nursing facility, typically up to 100 days, and only under very specific conditions where recovery is anticipated.  For long-term assisted living care, Medicare is not a viable payment option.  Your elder lawyer can explain the differences in coverage and help you plan accordingly.

THE ROLE OF A PHOENIX, ARIZONA ELDER LAWYER

An elder lawyer’s role is to help families navigate the maze of legal and financial planning when it comes to elder care options.  From safeguarding assets to understanding the intricate landscape of elder care funding, a lawyer can provide the knowledge and resources needed to make this transition as smooth as possible.

If your family is facing these decisions in the Phoenix, Arizona metro area, our elder lawyers are here to guide you through this next stage.  To get the answers to your questions and begin planning for assisted living needs, contact our Phoenix, Arizona elder law firm at (602) 274-4400, and mention this blog for a comprehensive consultation.