When the time comes that you realize that your parent or other older loved one is in need of a heightened level of care, it can be difficult to know what to do and how to afford it. Long-term care can cost tens of thousands of dollars per year. Finding the funds to support that level of care is a major challenge that calls for guidance that understands what benefits are available and how to secure them.

There are differing types of long-term care, including:

• Care at home – The resident is visited regularly by a home health care assistant for assistance with basic household responsibilities as well as monitoring of health.
• Retirement community – Residential living for seniors with minimal supervision.
• Assisted living – Residential living for seniors with many available services, but without the medical care of a nursing home.
• Board and care – A better quality residential environment limited to six seniors.
• Nursing home – Full medical care in a residential setting.

As a senior progresses through these levels of long-term care, the costs become greater. We can help you understand the benefits that are available through Medi-Cal and Social Security as well as options for best managing personal assets with a focus on protecting the senior’s home.