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- Contact the Haas Agency with your questions about long term care planning in Connecticut
- Glossary of unfamiliar and often misunderstood terms associated with long term care
- Haas Agency recommended reading about long term care issues
- How the Haas Agency helps Connecticut families address their long term care concerns
- Step 1: Acknowledge the challenges associated with long term care in Connecticut
- Step 2: Explore the various long-term care options and funding sources available to Connecticut residents
- Step 3: Evaluate the pros and cons of the various long term care options in Connecticut
- Step 4: Take action providing for possible long term care needs
- Step 5: Review your family circumstances and changes in long term care each year
- AARP Online Groups on Caregiving and Aging - Resources for concerned children and spouses
- Alzheimer’s Association - Information and resources for families coping with Alzheimer’s and dimentia
- Caring For Your Parents Handbook - Handbook published by the Public Broadcasting System
- Conn. Partnership for Long Term Care - News and resources from joint state government and private industry program.
- Family Caregiver Alliance - Information, Advice and Support for Caregiving
- National Alliance for Caregiving - Provides support for family caregivers
- National Council on Aging - Case studies, news, and resources from a national perspective.
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Mar
31
There are three ways to choose a person or organization to provide home care. They are:
Home Care Agency: a company that will provide home care aides, homemaker services and skilled nursing services. The caregiver is employed by the agency so the agency must comply with federal employment guidelines including withholding of taxes. [...]
Mar
28
A recent article in the Washington Post cited a study funded by the National Institiute on Aging that concluded that 22% of people over age 71 have begun to see their mental faculties decline. Brenda Plassman, a psychiatrist at Duke University Medical Center stated, “This is important because the number of people with cognitive impairment is [...]
Mar
27
The Medicaid “Look-back” period
Filed Under 2. Explore, Getting Started | Leave a Comment
The look-back period is the time frame in which the state Medicaid program checks to see if assets were transferred to another party, for less than fair value, in order to qualify for benefits. Effective February 8, 2006 the look-back period was changed to five years.
The penalty for violating the look-back rules is ineligibility for benefits [...]
Mar
26
The Family Dynamic provisions of long term care insurance
Filed Under 2. Explore, 3. Evaluate | Leave a Comment
Long term care insurance is designed to help the family care for a loved one better and longer. Key benefits can be a tremendous help to families facing long term care issues. Below are some provisions and their benefit to the family:
Care Coordinator: an individual who helps the family determine and coordinate necessary health care services [...]
Mar
25
In June 2007 the UCONN Health Center published a report: Connecticut Long Term Care Needs Assessment.
In that report Connecticut residents were asked where they prefer to live if they needed long term care services.
In order of preference the responses are listed below:
Remain in home with home health aide
Remain in home with modifications to the home
Remain [...]
Mar
24
Annuities and the Deficit Reduction Act of 2005
Filed Under 1. Acknowledge, 3. Evaluate | Leave a Comment
An annuity is an insurance investment contract in which money is accumulated. At some point in time, depending on the exact type of annuity, the contract specifies that periodic income payments be made to the annuitant (usually the person who set up the annuity).
Annuities have been used to convert Medicaid countable assets to an [...]
Mar
21
Many people may be thinking that now is the worst time to be considering the purchase of Long Term Care insurance. You may want to think twice.
Consider this. Let’s assume you were fortunate enough to have saved a sizable nest egg for your retirement, say, $500,000. In a market like this, that $500k might take [...]
Mar
18
$225,000
Filed Under 1. Acknowledge, 5. Review | Leave a Comment
Each year Fidelity Investments estimates the cost of basic health care for people retiring at age 65. The 2008 estimate is $225,000 to cover medical costs during retirement. Since 2002, when the estimate was first calculated, the cost has risen 41%.
In 2008 the $225,000 figure assumes that people do not have employer sponsored health insurance, pay [...]
Mar
17
A key definition in long term care planning is Activities of Daily living (ADL). They are physical functions that an independent person performs everyday, including: bathing, dressing, eating, toileting, walking or wheeling and transferring into and out of bed.
In order to gain the benefits of a long term care insurance policy a person must [...]
Mar
14
Long term care insurance is an contract that will pay for the custodial care of an individual when that person can no longer care for themselves.. The policy will pay out benefits for in home care, adult day care centers, nursing home care and room and board in an assisted living facility.
While most people [...]