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The uncertainty of what the future holds can be disturbing. Planning for that uncertainty can be overwhelming and confusing without help to guide the way.
Despite hoping that we will never need to be admitted to an assisted living facility or a nursing home, sometimes our choices are limited. Not only is the choice emotional, but financial implications can make the transition even more difficult.
Few people are prepared to absorb the costs of long-term care. Paying for assisted living and nursing home care for an extended period of time can deplete hard earned savings, leaving few options for a spouse who is still living at home or for family who is trying to respect their loved one’s wishes.
Ruder Ware’s team of elder law attorneys understand it takes a lifetime to grow your assets, and they are prepared to help you navigate the long-term care maze. Our attorneys skillfully guide clients—whether it’s children of elderly parents, individuals, or couples—with empathy and respect through this complicated process. They’re armed with creative solutions intended to ease minds and hearts.
When our clients are considering pre-planning, often the questions at the top of their minds include:
When a move into an assisted living or a nursing home has occurred or is imminent, some of the questions our clients have are:
Our team has worked with countless clients to address these issues as well as related issues
Founded in 1920, Ruder Ware provides business, employment, estate planning, and litigation services through its offices in Wausau, Eau Claire, and Green Bay, Wisconsin. A full-service law firm, over 40 attorneys provide clients with a one-stop approach to their legal needs. Ruder Ware, Business Attorneys for Business Success.
Posted on January 6, 2021 by Aric D. Burch
UPDATE: Our July 28, 2020, post informed you that the Wisconsin Medicaid divisor would remain unchanged in 2020. As we enter 2021, the Medicaid divisor will now be changed as follows. These changes are effective as of January 1, 2021. New daily average divisor = $303.38 New monthly average divisor = $9,227.81 If you have […]
Posted on November 23, 2020 by Mark D. Munson
The Centers for Medicare and Medicaid Services (“CMS”) recently released key Medicare figures for 2021 that will affect all elderly and disabled individuals who receive program benefits. This notice summarizes the changes and their impact on various benefits. As is normally the case, Medicare deductibles and premiums have increased for 2021. Many deductibles and co-pays […]
The Social Security Administration (“SSA”) recently released key figures for 2021 that will affect all elderly and disabled individuals who receive program benefits, including social security retirement benefits, social security disability insurance (“SSDI”) income, and supplemental security income (“SSI”). This notice summarizes the changes and their impact on various benefits. Social Security Retirement Recipients of […]
Every year before July 1st, Wisconsin publishes an updated Medicaid divisor to be in effect starting on July 1st of that year until June 30th of the next year. This year, Wisconsin has not yet updated its Medicaid divisor due to COVID-19 pandemic. At this point in time, there is no official guidance as to […]
Donna’s husband Phil is in a nursing home and receives Medicaid benefits to pay for his care (a.k.a. Medical Assistance or Title-19). Donna wants to make sure Phil’s Medicaid remains in place and is protected, so she wants to know “Is there anything else I need to do?” As the spouse who is not receiving […]
As we reflect on the close of World Elder Abuse Awareness Month, we wanted to share some information on this important issue. The Centers for Disease Control and Prevention defines elder abuse as an intentional act, or failure to act, by a caregiver or another person in a relationship involving an expectation of trust that […]
In Wisconsin, we are soon to reach 25,000 positive COVID-19 test results, over 3,200 hospitalizations, and close to 750 deaths attributed to COVID-19, the disease caused by the coronavirus. It is being recognized that the coronavirus pandemic has had a devastating impact on the elderly, particularly those in nursing homes and other long-term care facilities. […]
The Wisconsin Department of Health Services recently announced the “minimum monthly maintenance needs allowance” (“MMMNA”) has been increased from $2,818.34 to $2,873.34 starting July 1, 2020. As part of laws designed to prevent spousal impoverishment due to the high cost of long-term care, the “community spouse” (who is the spouse of an individual receiving long-term […]
As we are coming to the end of Elder Law Month (as named by the National Academy of Elder Law Attorneys), one of our many roles as elder law attorneys is to keep you apprised of important topics in the world of elder law. As such, we wanted to reach out to you to draw […]
Posted on April 16, 2020 by Aric D. Burch
As the IRS begins to send out payments under the Coronavirus Aid, Relief, and Economic Security (CARES) Act, recipients of Medical Assistance for long-term care (i.e., Medicaid or Family Care) are wondering how this payment may affect their benefits. In other words, will the payment be considered either income or an asset that causes issues […]