Blog

 Prospective Clients Dying   “There are clients out there that I am not reaching that are dying on me.” ~Randy Clinkscales, Elder Law Attorney, Hays, Kansas      Randy is right! And it’s frustrating! It is sad that prospective clients out there who die with no plans at all. That’s unfair and often devastating to the family that the prospective client loved and wanted to protect.      And there are folks out there who are spending all their savings on nursing home costs…and they don’t have to! The law allows viable ways to protect some or sometimes all of a family’s savings.      We don’t like to think about planning, because we have to face our mortality. Some folks avoid it, thinking they will surely live forever. However, there is no evidence to support that thinking!

  Difference Between Medicare And Medicaid? It May Surprise You     It is important to understand the differences between Medicare and Medicaid. The information below is designed to contrast the two programs:   Medicare: (a) Health insurance for seniors age 65+; (b) Federally controlled, uniform application across the country; (c) Pays for no more than 100 days of nursing home care; (d) Pays for primary hospital care and related medically necessary services; (e) Generally, must have contributed to Medicare system to be eligible.   Medicaid: (a) Needs-based health care program for those unable to pay for themselves; (b) Controlled state by state, which creates different regulations in each state of application; (c) May pay for long term care; (d) Pays for medications; (e) Must meet income and asset limits to be eligible and be over 65, disabled, or blind.   So, as relates to seniors, Medicare is health insurance, and Medicaid is public long term care coverage – but ...