U.S. Capital

An Elder Law Attorney Can Help with Applying for Medicaid

Aug 25, 2015

Hook Law Center (formerly Oast & Hook)

Hook Law Center (formerly Oast & Hook)

Virginia Beach, VA (Law Firm Newswire) August 25, 2015 – Filing for Medicaid can be complex, especially for people over the age of 65 and those who need long-term care. In such cases, hiring an attorney when applying for Medicaid can be important in securing coverage.

“An attorney can help individuals identify which programs they may qualify for and take steps to become eligible if necessary, as well as provide assistance with the application process itself,” said Andrew H. Hook, a Virginia elder law attorney with Hook Law Center, with offices in Virginia Beach and northern Suffolk.

Medicaid is the federal health care program for people who do not have any other form of insurance, or whose insurance does not cover needed services such as long-term care. Medicaid eligibility is based on income for those under the age of 65 who are not in need of long-term care. For those over the age of 65 and those who need long-term care, a variety of factors are taken into account to determine eligibility.

In most states, Medicaid applicants over the age of 65 must have no more than $2,000 in countable assets. It is possible to spend down to qualify for coverage, but the process can have complications. Spending down can impact one’s future financial stability, and could potentially disqualify those applying for long-term care coverage.

There are a variety of different Medicaid programs, and each program has its own rules, so enlisting the advice of an attorney before applying is a good policy for all applicants.

Those applying for long-term care coverage, should hire an attorney to complete the application. Such applications are subject to extra scrutiny, with detailed financial information from five years prior to the application required. Certain transfers of assets can disqualify applicants for five years, so the assistance of attorney can be essential.

Learn more at http://www.hooklawcenter.com/

Hook Law Center
295 Bendix Road, Suite 170
Virginia Beach, Virginia 23452-1294
Phone: 757-399-7506
Fax: 757-397-1267

5806 Harbour View Blvd.
Suite 203
Suffolk VA 23435
Phone: 757-399-7506
Fax: 757-397-1267

  • Strategies to make sure your retirement savings last
    Americans are living longer than ever before, and for many people, Social Security retirement benefits represent only part of the income they wish to have in retirement. The average American life expectancy is about 79 years, and millions will live to be much older. The average life expectancy for a person who reaches age 65 […]
  • How divorce affects retirement planning
    Older people are getting divorced more frequently than ever before. Divorce can be a significant roadblock for retirement planning and financial security. Although divorcing earlier in life can have a minimal impact on retirement, divorcing after the age of 50 can have huge implications. Couples who are getting divorced should collect information about all of […]
  • Choosing between Original Medicare and Medicare Advantage
    Deciding what type of health insurance to get can be a daunting task for seniors. Medicare is highly regarded and very popular, but Medicare Advantage differs in ways that could be advantageous to some. Original Medicare includes Medicare Part A (hospital expenses) and Part B (other health care such as doctor’s office visits). The monthly […]
  • How to appeal a Medicare denial
    If you were denied coverage or payment by Medicare, you have the option of filing an appeal. The denial must be from Medicare, your Medicare Prescription Drug Plan or your Medicare health plan. It is within your right to file an appeal if you were denied any of the following: A health care service, prescription […]
  • Defining common terms in Virginia estate planning
    Estate planning is a complex process, and typically involves learning some new terms and concepts. Some of the most important estate planning terms to understand include: Advance medical directive – A document that details a person’s health care wishes in case they become incapacitated. An advance medical directive also allows the individual to name someone […]