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Long Term Care Planning

If you or someone you love is at risk of spending down their life savings to pay for the ever-growing cost of long-term care, then we invite you to call today for your free initial consultation to explore the opportunities our long-term care and asset protection planning can provide.  We have helped hundreds of families preserve their life’s work without sacrificing quality of care.

Long-term care is a variety of services and supports to meet health or personal care needs over an extended period of time. Most long-term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs), which are:

  • Bathing;

  • Dressing;

  • Using the toilet;

  • Transferring (to or from bed or chair);

  • Caring for incontinence; and

  • Eating

Elder Law Attorney for Rhode Island, Eastern Connecticut and Southeastern Massachusetts

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This website includes general information about legal issues, issues affecting seniors and developments in the law. Such materials are for informational purposes only and may not reflect the most current legal developments. These informational materials are not intended, and must not be taken, as legal advice on any particular set of facts or circumstances. You need to contact a lawyer licensed in your jurisdiction for advice on specific legal issues and/or problems.

Rhode Island, Southeastern Massachusetts and Eastern Connecticut Elder Law Attorney

The goal of long-term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent.

What Are My Risks of Needing Long-Term Care?

About 70 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. Over 40 percent will need care in a nursing home for some period of time.

Long-term care is needed when a chronic illness or disability requires assistance with Activities of Daily Living.  Your illness or disability could include a problem with memory loss, confusion, or disorientation.  This is called cognitive impairment and can result from conditions such as Alzheimer’s disease.

If you need long-term care, you may need one or more of the following:

 

  • Care or assistance with activities of daily living in your home from an unpaid caregiver who can be a family member or friend;

  • Services at your home from a nurse, home health provider, therapist, or homemaker;

  • Care in any of a variety of long-term facilities, including assisted living or nursing home.

 

How Do I Pay for Long-term Care?

 

The risk of needing long-term care and its related expense is too great to ignore.  With limited exceptions,  Medicare and private health insurance will not pay for long-term care.

 

Our staff at Connelly Law Offices, Ltd. can assist you in identifying and obtaining potential long-term care benefits  including Medicaid

 

If you are considering long-term care insurance, our attorneys can help you evaluate the broad spectrum of long-term care insurance policies available to consumers today.  We encourage you to call us today for your free initial consultation.