top of page
iStock-2046296758.jpg

St. Louis Elder Law Attorney

Estep Service Graphics

Elder Law

Elder law is another aspect of estate planning, focusing primarily on the needs of families and individuals as they age. A St. Louis elder law attorney will help you and yoru family with the issues of aging, including senior housing and home care, long-term (or nursing home) care, guardianships and health care documents, Medicare and Medicaid.

LTC

Long-Term Care Options

The Long Term Care Dilemma

As our population ages, more and more of us confront elder law-related issues, whether for ourselves or our parents. One of the most pressing issues is long-term nursing home care, which usually is not covered by traditional health insurance. Depending on where you live and the level of care needed, nursing home care costs can vary greatly.

$100,375

Was the national median cost for a private room in a skilled nursing facility in 2018

2 Years

Was the average stay

Estep Service Graphics

Most people end up paying for nursing home care until their personal (or family) assets are depleted, then they may qualify for Medicaid to pick up the cost.

Careful planning alongside a St. Louis elder law attorney, however, can help protect your assets, whether for your spouse or for your children. The belt-and-suspenders approach is to purchase long-term care insurance while you are healthy enough to qualify, and to make sure you receive the benefits to which you are entitled under Medicare and Medicaid.

Medicare
Estep Service Graphics

Medicare

Medicare is an “entitlement” program, a federal health insurance program in which most people enroll when they turn 65 years old.

Design Element

There are no financial qualification rules.

Design Element

Medicare has two primary parts: Part A and Part B.

Medicare Part A Coverage

Design Element

In-Hospital Care

Design Element

Extended Care After a Hospital Stay

Design Element

Some Healthcare Services

Design Element

Hospice Services

The rules for nursing home coverage are very strict and, in fact, Medicare pays for less than nine percent of nursing home care in this country. Our St. Louis Elder Law Attorney Shawn Estep can help!

Estep BG Edge.png

Missouri Medicaid

Medicaid is a joint federal-state program, subject to certain federal requirements, each state implements its own regulations on how the program is managed. Medicaid is not an “entitlement” program like Medicare, but rather a form of welfare. Medicaid eligibility is determined after the proper application is submitted to the state. There are many Medicaid programs available in Missouri, from basic medical coverage to nursing home programs.

Estep Service Graphics

We assist seniors and their families in making the tough decisions regarding long-term care planning, including whether Medicaid eligibility may be an option.

Estep Tree Pattern.png
SH
Estep Service Graphics

Senior Housing Options

Helping a parent move to senior housing can seem more intimidating than orchestrating a rocket launch. The death of a spouse, declining health or safety concerns can trigger the need to move. The first phase comes with the realization that what has been home is no longer suitable. Emotional ties to a place are hard to overcome. Finding a new home that is both appealing and appropriate is no easy task, and neither is culling through a lifetime’s accumulation of “stuff.”

Make the transition easier with these helpful tips:

1

Plan ahead. Don’t wait for a health crisis to start the process. The smoothest transitions occur when the person moving is in the driver’s seat.

2

Get a full assessment of the current situation. Physical care needs and financial resources are where to start. Consider the costs of staying in place, including renovation and ongoing maintenance. Add the cost of rising utility bills and taxes, and don’t forget transportation and food. Make a list and decide whether it’s cheaper to stay or move to a community designed for seniors.

3

Take a multi-phase approach. Seniors often take longer than a year to actually make the move.

4

Fully explore new housing options. Senior living offers a broader range of options than ever before.

Schedule Consultation

Schedule a Consultation

Thanks for submitting!

Sources

bottom of page