Dallas Long Term Care Planning Attorney
If you or someone you love is at risk of spending down their life savings to pay for the ever-growing cost of long-term care, then we invite you to call today for your free initial consultation to explore the opportunities our long-term care and asset protection planning can provide. We have helped hundreds of families preserve their life’s work without sacrificing quality of care.
What is Long-Term Care?
Long-term care is a variety of services and supports to meet health or personal care needs over an extended period of time. Most long-term care is non-skilled personal care assistance, such as help performing everyday Activities of Daily Living (ADLs), which are:
- Bathing;
- Dressing;
- Using the toilet;
- Transferring (to or from bed or chair);
- Caring for incontinence; and
- Eating
The goal of long-term care services is to help you maximize your independence and functioning at a time when you are unable to be fully independent.
What Are My Risks of Needing Long-Term Care?
About 70 percent of individuals over age 65 will require at least some type of long-term care services during their lifetime. Over 40 percent will need care in a nursing home for some period of time.
Long-term care is needed when a chronic illness or disability requires assistance with Activities of Daily Living. Your illness or disability could include a problem with memory loss, confusion, or disorientation. This is called cognitive impairment and can result from conditions such as Alzheimer’s disease.
If you need long-term care, you may need one or more of the following:
- Care or assistance with activities of daily living in your home from an unpaid caregiver who can be a family member or friend;
- Services at your home from a nurse, home health provider, therapist, or homemaker;
- Care in any of a variety of long-term facilities, including assisted living or nursing home.
How Do I Pay for Long-term Care?
The risk of needing long-term care and its related expense is too great to ignore. With limited exceptions, Medicare and private health insurance will not pay for long-term care.
Our attorneys at The Hale Law Firm can assist you in identifying and obtaining potential long-term care benefits, including Medicaid and VA Aid and Attendance. If you are considering long-term care insurance, our attorneys can help you evaluate the broad spectrum of long-term care insurance policies available to consumers today. We encourage you to call us today for your free initial consultation.
