Elder Law Newsletters

Estate Recovery

When a nursing home resident who has received Medicaid benefits dies, the state's Medicaid agency may attempt to recover unpaid Medicaid nursing home expenses from the resident's estate. While there are federal laws and regulations governing recovery from a Medicaid recipient's estate, each state is allowed to establish its own recovery guidelines.

Insurance - Long-Term Disability Income Insurance - Overview

A long-term illness or an injury with a long recuperation period can have devastating effects on one's ability to remain financially independent. One way to guard against this is to secure long-term disability income insurance. This type of insurance provides payments to workers who are unable to work due to serious illnesses or injuries.

MEDICAID ELIGIBILITY FOR NURSING HOME CARE

Most states limit the income a nursing home resident can receive before she is eligible for Medicaid benefits. This limit is usually below the costs of nursing home care.

Medicare - Supplemental Health Insurance - Payment for Services and Proper Insurance Practices

When an individual has purchased a Medigap insurance policy to supplement Medicare coverage, how medical bills are paid depends upon two factors: whether the medical provider accepts Medicare and whether the individual has arranged for his or her Medigap insurance company to send claims directly to Medicare.

Medicare Supplemental Health Insurance

Many private insurance companies sell coverage to supplement Medicare coverage. Two basic types of coverage are available: Medigap policies and Medicare SELECT.