In this issue

Jonathan Tobin: Defending the Right to a Jewish State

Heather Hale: Compliment your kids without giving them big heads

Megan Shauri: 10 ways you are ruining your own happiness

Carolyn Bigda: 8 Best Dividend Stocks for 2015

Kiplinger's Personal Finance editors: 7 Things You Didn't Know About Paying Off Student Loans

Samantha Olson: The Crucial Mistake 55% Of Parents Are Making At Their Baby's Bedtime

Densie Well, Ph.D., R.D. Open your eyes to yellow vegetables

The Kosher Gourmet by Megan Gordon With its colorful cache of purples and oranges and reds, COLLARD GREEN SLAW is a marvelous mood booster --- not to mention just downright delish
April 18, 2014

Rabbi Yonason Goldson: Clarifying one of the greatest philosophical conundrums in theology

Caroline B. Glick: The disappearance of US will

Megan Wallgren: 10 things I've learned from my teenagers

Lizette Borreli: Green Tea Boosts Brain Power, May Help Treat Dementia

John Ericson: Trying hard to be 'positive' but never succeeding? Blame Your Brain

The Kosher Gourmet by Julie Rothman Almondy, flourless torta del re (Italian king's cake), has royal roots, is simple to make, . . . but devour it because it's simply delicious

April 14, 2014

Rabbi Dr Naftali Brawer: Passover frees us from the tyranny of time

Greg Crosby: Passing Over Religion

Eric Schulzke: First degree: How America really recovered from a murder epidemic

Georgia Lee: When love is not enough: Teaching your kids about the realities of adult relationships

Cameron Huddleston: Freebies for Your Lawn and Garden

Gordon Pape: How you can tell if your financial adviser is setting you up for potential ruin

Dana Dovey: Up to 500,000 people die each year from hepatitis C-related liver disease. New Treatment Has Over 90% Success Rate

Justin Caba: Eating Watermelon Can Help Control High Blood Pressure

The Kosher Gourmet by Joshua E. London and Lou Marmon Don't dare pass over these Pesach picks for Manischewitz!

April 11, 2014

Rabbi Hillel Goldberg: Silence is much more than golden

Caroline B. Glick: Forgetting freedom at Passover

Susan Swann: How to value a child for who he is, not just what he does

Cameron Huddleston: 7 Financial Tasks You Should Tackle Right Now

Sandra Block and Lisa Gerstner: How to Profit From Your Passion

Susan Scutti: A Simple Blood Test Might Soon Diagnose Cancer

Chris Weller: Have A Slow Metabolism? Let Science Speed It Up For You

The Kosher Gourmet by Diane Rossen Worthington Whitefish Terrine: A French take on gefilte fish

April 9, 2014

Jonathan Tobin: Why Did Kerry Lie About Israeli Blame?

Samuel G. Freedman: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Jessica Ivins: A resolution 70 years later for a father's unsettling legacy of ashes from Dachau

Kim Giles: Asking for help is not weakness

Kathy Kristof and Barbara Hoch Marcus: 7 Great Growth Israeli Stocks

Matthew Mientka: How Beans, Peas, And Chickpeas Cleanse Bad Cholesterol and Lowers Risk of Heart Disease

Sabrina Bachai: 5 At-Home Treatments For Headaches

The Kosher Gourmet by Daniel Neman Have yourself a matzo ball: The secrets bubby never told you and recipes she could have never imagined

April 8, 2014

Lori Nawyn: At Your Wit's End and Back: Finding Peace

Susan B. Garland and Rachel L. Sheedy: Strategies Married Couples Can Use to Boost Benefits

David Muhlbaum: Smart Tax Deductions Non-Itemizers Can Claim

Jill Weisenberger, M.S., R.D.N., C.D.E : Before You Lose Your Mental Edge

Dana Dovey: Coffee Drinkers Rejoice! Your Cup Of Joe Can Prevent Death From Liver Disease

Chris Weller: Electric 'Thinking Cap' Puts Your Brain Power Into High Gear

The Kosher Gourmet by Marlene Parrish A gift of hazelnuts keeps giving --- for a variety of nutty recipes: Entree, side, soup, dessert

April 4, 2014

Rabbi David Gutterman: The Word for Nothing Means Everything

Charles Krauthammer: Kerry's folly, Chapter 3

Amy Peterson: A life of love: How to build lasting relationships with your children

John Ericson: Older Women: Save Your Heart, Prevent Stroke Don't Drink Diet

John Ericson: Why 50 million Americans will still have spring allergies after taking meds

Cameron Huddleston: Best and Worst Buys of April 2014

Stacy Rapacon: Great Mutual Funds for Young Investors

Sarah Boesveld: Teacher keeps promise to mail thousands of former students letters written by their past selves

The Kosher Gourmet by Sharon Thompson Anyone can make a salad, you say. But can they make a great salad? (SECRETS, TESTED TECHNIQUES + 4 RECIPES, INCLUDING DRESSINGS)

April 2, 2014

Paul Greenberg: Death and joy in the spring

Dan Barry: Should South Carolina Jews be forced to maintain this chimney built by Germans serving the Nazis?

Mayra Bitsko: Save me! An alien took over my child's personality

Frank Clayton: Get happy: 20 scientifically proven happiness activities

Susan Scutti: It's Genetic! Obesity and the 'Carb Breakdown' Gene

Lecia Bushak: Why Hand Sanitizer May Actually Harm Your Health

Stacy Rapacon: Great Funds You Can Own for $500 or Less

Cameron Huddleston: 7 Ways to Save on Home Decor

The Kosher Gourmet by Steve Petusevsky Exploring ingredients as edible-stuffed containers (TWO RECIPES + TIPS & TECHINQUES)

Jewish World Review Feb. 26, 2007 / 8 Adar, 5767

Paying for that long-term care

By Jan L. Warner & Jan Collins

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http://www.JewishWorldReview.com | Whether being hit with the realization that your loved one's care will cost thousands per month or surviving the maze of procedures needed to get them into a proper facility, Next Steps continues to explore the different levels of long-term care, including how such care is paid for.

Medicare and Medicare Supplemental Insurance: After a stay in the hospital for at least three days, if a patient's medical condition requires either 1) Rehabilitation through physical, speech and/or occupational therapy, or 2) Skilled nursing care on a daily basis, upon discharge to a nursing facility, Medicare will pay for 100 percent of the costs incurred during the first 20 days. Should the patient continue to benefit, Medicare will cover all expenses for up to the next 80 days except for a $124 per day co-payment.

An appropriate Medicare supplement policy will cover the co-payments, or they will be paid by the individual. However, should Medicare stop paying during those last 80 days, payments by the Medicare Supplemental insurance will also stop, and the patient will then either pay privately, use long-term care insurance or qualify for Medicaid.

Medicaid, a cooperative state and federal program, is the final source of payment when there is nothing else to provide medical assistance to designated classes of medically needy individuals. The federal side of Medicaid is handled by The Centers for Medicare and Medicaid Services (CMS), while Medicaid is administered for the federal government in each state by Departments of Health and Human Services (HHS).

In order to participate in Medicaid, each state must provide eligibility to mandatory categories of individuals for certain basic medical services — including long-term care. Once the minimum standards are met, the states have the flexibility to either expand Medicaid eligibility to additional groups and/or expand coverage to include enhanced services. Each state's Medicaid program can be found in a "State Plan" that must be "blessed" by CMS. Medicaid is funded by both federal and state monies based on ratios that vary from year to year and from state to state.

While Medicaid will pay the total cost of nursing home care, medical care and prescriptions for eligible nursing home residents, there are disadvantages: 1) The application process can be time-consuming and difficult; 2) There are restrictive asset and income limits for both married and unmarried individuals that vary depending on the state of residence; 3) Gaining admission to a nursing facility with Medicaid as the pay source may be difficult; 4) A facility chosen by the family may not accept Medicaid; 5) There may be fewer quality-of-life benefits available to Medicaid recipients, such as private rooms; and 6) Quite obviously, the private-pay patient will have more options than his or her Medicaid counterpart.

Even though the financial-qualification standards vary from state to state and will depend upon marital status, generally speaking, the institutionalized individual will be left with little extra spending money each month. At death, the assets that did not count for Medicaid qualification during life — like the family home — could well be subject to a "recovery" program after death, whereby the state seeks repayment for what has been advanced.

To qualify for Medicaid, 1) You must be either a United State citizen or have been admitted lawfully to this country; 2) You must be a resident of the state in which you apply; 3) You must provide a Social Security Number or apply for one; 4) You must assign your rights to medical benefits or support to the state and cooperate in securing benefits; and 5) You must apply for any benefits to which you may be entitled.

Every weekday JewishWorldReview.com publishes what many in in the media and Washington consider "must-reading". Sign up for the daily JWR update. It's free. Just click here.

JAN L. WARNER received his A.B. and J.D. degrees from the University of South Carolina and earned a Master of Legal Letters (L.L.M.) in Taxation from the Emory University School of Law in Atlanta, Georgia. He is a frequent lecturer at legal education and public information programs throughout the United States. His articles have been published in national and state legal publications. Jan Collins began co-authoring Flying SoloŽ in 1989. She has more than 27 years of experience as a journalist, writer, and editor. To comment or ask a question, please click here.


© 2007, Jan Warner