Arizona Senior Law Blog

Timing of ALTCS Application Touchy

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities. Question: My mother lives in an assisted-living facility that costs about $5,000 per month. I helped her apply for ALTCS, who after about four months, informed me that Mom has too many assets, and that I should reapply when she is “spent down” to no more than $2,000. If I wait until this occurs, we will not have funds to pay for her care during the four months that it takes the second application

Medical Eligibility is ALTCS Threshold

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities. Question: My mother recently applied for Arizona Long Term Care System aid. She lives in an assisted living community, and she is in desperate need of financial assistance. To our dismay, however, ALTCS denied her application because she did not qualify medically. What should I do about this situation? Answer: It is important to understand that ALTCS is, in essence, an insurance provider, and as with any other insurance product, ALTCS provides coverage only

VA Funds Can Alter ALTCS Eligibility

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities. Question: My father is on ALTCS and he has resided at an assisted-living facility for about two years. When he was admitted, a s ocial worker at the facility helped him apply for his veterans pension. After nearly two years, my father’s VA application finally was approved. This seems like a good thing, but he was awarded nearly $20,000 from the VA, and I am concerned that this will jeopardize his ALTCS eligibility. What

Settlement Could Affect Eligibility

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities Question: My wife was in a horrible car accident, as a result of which she will likely require skilled nursing care for the remainder of her life. It looks as if she will qualify for long term care under the Arizona Long Term Care System. I am concerned that if she receives a settlement from the accident ALTCS will discontinue her care. What can I do to prevent this? Answer: You are correct that

Many Factors Affect ALTCS Process

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities Question: I helped my mother apply for the Arizona Long Term Care System about two months ago, but the application is not yet approved. Now, my father is also in need of care, and I am considering applying for ALTCS for him as well. Can I apply for my dad while ALTCS is still processing my mom’s application? Answer:The rules differ greatly when applying for two spouses, as opposed to one. When applying for

How Will ALTCS Affect Your Home?

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities Question: I have lived with my elderly mother for several years, doing everything in my power to care for her. We finally reached a point at which I can no longer provide her with the care that she needs, so we are exploring the Arizona Long Term Care System. If we pursue ALTCS, however, I am concerned that ALTCS will take my mother’s house, which would deprive me of my living situation. Is there

Assets Key to Long-Term Care System

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities Question: I have been caring for my father for about a year, and I cannot provide him with the assistance he needs. We looked into applying for ALTCS, but my dad has too many assets to qualify. The ALTCS representative warned us against transferring dad’s assets. Is it possible for him to instead pay me for the services I have provided him as a means to help him meet the resource requirement? Answer: There

Living Trusts and ALTCS Planning

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities Question: Several years ago, my wife and I set up a revocable living trust. We are contemplating pursuing ALTCS for my wife, and I understand that she has to meet a strict resource requirement. Given that all of our assets are titled to the trust, is it safe to assume that she satisfies the resource requirement? Answer: To answer succinctly, I would say that your assumption is incorrect, and that it is probably safe

Income Rules Affect Care Insurance

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities. Question: My wife and I purchased long-term care insurance many years ago, and we recently had to submit a claim because of my wife’s admission to a skilled nursing facility. We were shocked to find the policy pays about $3,000 per month, but her care is closer to $8,000 per month. In exploring our options, we discovered we could apply for the Arizona Long Term Care System, but ALTCS has an income requirement, and

Child Unlikely Liable for Parent’s Bill

Our latest Arizona Republic article in the weekly Aging and the Law column can be found below. Our column runs every Friday in select Arizona cities Question: I am in the process of securing nursing- home placement for my mother. My mother is unable to sign documents for herself, and the facility I have an interest in placing mom has asked me to sign her admission paperwork. I am concerned, however, that signing these papers will obligate me to personally pay for mom’s care. Answer: First, you are wise to be cautious about signing any document that might be construed

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