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How will you handle the enormous costs
of long-term care for debilitating illness or injury?
This special site is designed to be an informative resource for you and your family. You'll find detailed information on your particular situation, with a discussion of the problems commonly encountered, and the effective legal solutions a Lamson & Cutner Elder Law attorney can apply for you.
Just click here for a thorough discussion of your needs:
- Single Person - Needing Home Care
- Single Person - Needing Nursing Home Care
- Married Couple - Spouse Needs Home Care
- Married Couple - Spouse Needs Nursing Home Care
- Married Couple - Both Partners Need Home Care
- Married Couple - Both Partners Need Nursing Home Care
- Special Needs Care for the Disabled Individual or Child
- Unmarried Couples - Elder Law Planning
- Gay and Lesbian Couples - Elder Law Planning
- Estate Planning - Elder Law
- Medicaid Denial
Lamson & Cutner has recently published an informative new Special Report, called 25 Strategies to Avoid Financial Ruin from Long-Term Health Care Costs. It's free, and it details how you can gain all these benefits and advantages. Click here to see the Special Report.
If you or a loved one has reached the point of needing professional care to cope with a chronic illness or injury, the Elder Law attorneys at Lamson & Cutner can help protect the money, income and assets it has taken a lifetime to accumulate.
The expense of long-term care today, whether at home or in a nursing facility, can wipe out a life's savings and deplete assets faster that you might imagine. You can spend up to $10,000.00 a month or more on home care. The better nursing homes in New York can cost upwards of $15,000.00 a month.
You can see how quickly the lifetime of effort it took to buy a home, acquire investments and build a sound financial base can be destroyed. Poverty is not something that anyone who's worked hard his or her entire life should be subject to.
It doesn't have to be that way. With proper planning, Medicaid will pay for home or nursing facility care, and in most cases you can protect all of your income and assets, or a substantial portion. Medicaid will also pay for any medical expenses Medicare doesn't cover, such as co-pays or other gaps in coverage. That means you won't be out-of-pocket at all for medical care. There's also a host of community programs to take advantage of, such as adult day care. It'll all be covered.
How you can protect your money,
income and assets from permanent loss.
Medicaid has strict rules for eligibility. These can result in your having to spend down all your available cash and liquid assets, suffer a "penalty period" in which you receive no benefits, and you may even end up with a lien against your home.
If you need home or nursing facility care, effective planning and asset protection strategies will result in Medicaid paying for it, along with other major benefits. Lamson & Cutner's lawyers prepare your application and initiate the legal steps necessary to safeguard your home, money and other assets.
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What satisfied clients say about Lamson & Cutner
This is what one client said just recently. As a disabled person, he struggled for years to get benefits to which he was entitled without success, until he came to Lamson & Cutner.
"...they sat down with me over a period of weeks and worked through the process of getting the help I sought and assistance I needed that had eluded me for so long. I found them to be not only professional, but very concerned and caring. This meant a lot to me. In a few months we were able to get the answers I had been searching for over a period of years without results... I would recommend the firm of Lamson & Cutner, P.C. to anyone who is disabled and/or elderly or has a family member in need of assistance. Doing it on your own is difficult if not impossible, as I found out the hard way and lost a lot of years that I can never get back...They turned a very negative experience into a positive opportunity to set my affairs straight and get my life moving forward in the right direction... I feel truly blessed." Ruben R. Allen
Here's a common scenario based on an actual case:
In handling a Medicaid home care application for a widow, L & C was able to secure home health care aides fully paid for by Medicaid. This was accomplished by transferring her excess income to special protective trust, enabling her eligibility for Medicaid benefits. The client still retained use of the money for her expenses through this income protection strategy. Because of effective planning, she protected her income, maintained her lifestyle and got the help she needed.
In the majority of instances, you can qualify for Medicaid benefits. It's not too late, even if you've already entered a nursing home.
Lamson & Cutner, P.C. is conveniently located in midtown Manhattan at 9 East 40th Street, between Madison and Fifth Avenue.
Call Lamson & Cutner today to learn about new options for a better future and financial security. Speak to a lawyer and discover rights and benefits you might not realize are available to you. The toll free number is at 1 (877) 303-1414.