How much is there? Where is it? Who controls it? Discussing finances may be among the most difficult conversations a family may have but become increasingly important as we age. Bridging the gap between generations to talk about money can be awkward, embarrassing and frustrating for everyone.

Elderly adults may not be ready to have their adult children become their physical or financial caregivers and many seniors fiercely guard their financial privacy, perhaps to protect their loved ones or out of fear of loosing their independence. While those feelings are completely understandable, NJ Newsroom recently pointed out some of the perils of poor fiscal planning, such as inability to access bank accounts to pay bills if your name is not on the account or you may not be authorized to sell your home if your are both on the deed but your spouse is incapacitated.
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On a daily basis our Care Counselors receive requests from families and advocates for information about facilities that will be paid for by MEDI-CAL, easy to ask for difficult to supply. In order to qualify for long term care paid for MEDI-CAL you must apply and qualify with MEDI-CAL. This can be a complicated process, I will shorten the requirements. The individual must meet the physical and financial guidelines additionally you most likely will be required to “share the cost” meaning you must pay part of the daily rate out of pocket.
Continue reading A SHORT THOUGHT ON MEDI-CAL FOR LONG TERM PLACEMENT →