Everyone means well and wants to help you; after all, that is what families
are for. They can see that you are worried and stressed about how you
are going to pay for your spouse’s long-term care needs. They understand
that although you and your spouse have worked hard your whole lives, your
retirement nest egg may not stretch far enough to pay for nursing home
care. They understand that means you may have to apply for assistance
from Medicaid to help pay for the nursing home.
They all want to help ease your stress, so they share their own stories
about the best way to prepare for Medicaid. What they don’t realize
is that preparing for Medicaid is a very state specific endeavor. What
worked for cousin Earl in Kansas may not work for you in Florida. The
decisions that your sister-in-law Sue just made for her parents in New
York, may not be good decisions for you in Florida.
If you live in Florida and are facing the prospect of applying for Medicaid
to help pay for the staggering costs of long-term care, take the time
to consult with an attorney in Florida who is familiar with the Florida
Medicaid rules before you decide to implement the plan that worked for
your best friends in Ohio. Each state has their own rules and you don’t
want to find out too late that you were following advice that only works
well in another state.
In the haze that dealing with a long-term care need can cause, it is tempting
to seize upon what seems like concrete and clear advice from family members
who have been there before you. However, take a moment before implementing
any of the family offered plans to check with a Florida attorney to see
what type of planning makes the most sense for you in Florida.