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Schomer Law Group, Los Angeles Estate Planning and Elder Law and Elder Law Attorneys

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Home » Resources » Frequently asked questions » In-Home Elder Care FAQs

In-Home Elder Care FAQs

    • What percentage of seniors require living assistance?

    • It can be hard to imagine a time when you will not be able to take care of all your own personal responsibilities, but things change as you enter different phases of life.

      The United State Department of Health and Human Services operates the LongTermCare.gov website, and they have compiled a lot of eye opening information.

      According to the site, seven out of ten seniors will need some form of living assistance, and 35 percent will move into nursing homes.

    • How can a senior adapt to limitations without entering a long-term care facility?

    • A lot of seniors that need help with their activities of daily living can rely on family members, friends, and neighbors. When people that care are willing to pitch in, the situation can be manageable in many instances.

      With regard to the living situation, there are aging in place modifications that can be made to a senior’s home. There are many possibilities, including handrails, grab bars, walk-in showers and tubs, motion sensor lighting, nonslip flooring, and smart home solutions.

      The modifications can be custom crafted to suit the needs of a given person, and as things change, additional modifications can be added along the way.

    • How expensive are paid caregivers?

    • At some point, the level of care that is required may exceed the capabilities of the unpaid caregivers. And of course, there are those that do not have anyone that can provide assistance.

      Under these circumstances, a paid in-home health aide can provide a solution. However, the costs associated with this type of care are pretty steep by most people’s standards.

      In the Los Angeles area, the median cost for an in-home health aide was $66,350 a year in 2020.

    • Will Medicare pay for in-home care for seniors?

    • The Medicare program will pay for convalescent care after an injury or illness when recovery is expected. However, long-term custodial care is not covered, so this is not the solution.

    • Is there any other government program that will pay for custodial care?

    • Yes, Medi-Cal will pay for a stay in a nursing home, and there is a Medi-Cal Home and Community Based Services waiver program that covers in-home care.

    • So you just prove that you need the care and you are approved?

    • It would be nice if it worked that way, but the answer is no. Medi-Cal is a need-based program, so you cannot qualify if you have more than $2000 of countable assets in your name. This also applies the Medi-Cal waiver program.

    • What are the assets that do not count?

    • Your home is not a countable asset, but there is an equity limit for people that live in other states. Here in California, there is no Medi-Cal equity limit, so the fact that you can qualify as a homeowner is good news.

      On the bad news side of the equation, Medi-Cal is required to seek reimbursement from the estates of people that were enrolled after they died. A lien can be placed on the home of a deceased Medicaid recipient.

      Other non-countable assets include wedding and engagement rings, heirloom jewelry, a motor vehicle, furniture and other household items, and personal effects.

    • Can you give countable assets to your loved ones?

    • You can give direct gifts or fund an irrevocable Medi-Cal trust to get assets out of your name so you can qualify. However, you can’t find out that you need paid care today, give away assets tomorrow, and qualify for Medi-Cal or a Medi-Cal waiver next week.

      There is a 30 month look-back period in California, so you have to divest yourself of assets at least 30 months before you submit your application. If you violate this rule, your eligibility is delayed.

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Testimonials

Client Review
July 29, 2020
    

We need to update our Living Trust and attended Schomer Law Group’s seminar. Afterwards we made an appointment and were impressed by the attention Scott Schomer and Liran Aliav gave to our case answering all questions and making suggestions how to minimize the estate tax. All the office staff is very friendly and we highly recommend Schomer Law Group.

Frank & Jutta R
Client Review
July 29, 2020
    

Mr. Schomer does an amazing job at explaining all the intricacies of establishing a trust. He and his team help you every step of the way so you always know what to expect and what you are preparing for. Best education you can get and the best gift you can give your family.

Paula M.
Client Review
July 29, 2020
    

We put off getting a trust for years. After attending a seminar with Scott Schomer we realized that the time had come to get a trust. We were given very good reasons for why we should get a trust. No pressure, just the plain facts. We are very relieved and happy to finally get our trust. Scott and Cesar were very knowledgeable, helpful and listened to our ideas of what we had to say. Any questions that we have now and in the future they are available to assist us to solve them. I recommend the Schomer Law Group and I wish we knew about them years ago.

Phillip G.
Client Review
July 29, 2020
    

When you’re presented with an invitation to attend in a mailer, you may have reservations, this was a truly gift!! My wife and I were educated and guided through the process of creating a family trust.
Both of our parents had attorney’s that “worked” with wills/trusts, but came up short. Fortunately, the Schomer Law Group was there! This is a group of attorney’s that only specialize in estate planning, law, and financial advice, so you know you’re getting expert and personalized advice. This is the best money we’ve ever spent!! Thank you!

Bob L.
Client Review
July 29, 2020
    

We knew we had to update our 10 year old ( 20 page ) trust. After several detailed meetings, Liran and Cesar produced a large ( 300 pages + ) highly detailed trust document that we have used to make sure our family estate is well managed and clearly understood.
They were all very helpful in answering myriad questions and explaining all the various options…

We would strongly recommend the Schomer Law Group to anyone with an estate of even modest means, to assure proper planning…

Bob S.
Client Review
July 29, 2020
    

We had contemplated updating our will and starting a trust for a number of years. After attending a talk by Scott Schomer we realized we were long overdue and the potential downside of not having our affairs in order was significant. Scott and his excellent team made the process simple and seamless. They were great listeners, addressed all our concerns and even pulled and processed all the paperwork from our financial institutions. If you are looking for assistance with estate planning, wills and trusts, we highly recommend Schomer Law Group.

Robert F.
Client Review
July 29, 2020
    

Very competent & informative – friendly atmosphere – ready to answer the most mundane questions – relaxed.

Joan S.
Client Review
July 29, 2020
    

Mr. Schomer was excellent in getting our family trust and estate affairs in order. My husband and I had put off doing this and Scott really made the process easy! He is very passionate in making sure his clients get all that they need and we really appreciated it. I would highly recommend him and look forward to the many years he will be available to assist our family.

Kim

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