Long-Term Care Planning

Long-Term Care Planning

Long-Term Care Planning Attorney In San Diego

Helping families prepare for the future and meet their immediate needs for 20 years

The majority of families Attorney Vincent Casiano works with are unaware that Elder Care Planning is a distinct professional discipline; one that is highly specialized and widely misunderstood. 

Attorney Casiano practices Elder Care Planning has painstakingly developed a complete planning methodology that enables you to pay for care by understanding your alternatives rather than depleting your family’s resources.

While society has taught us that these benefits are only available to the poor or represent inadequate care, these programs are actually created to provide quality care to the middle and upper middle classes. 

You have almost certainly been contributing to several of these programs your entire life. Why not look at your options to get some of the benefits?

Estate planning and estate litigation attorney Vincent Casiano founded the Casiano Law Firm to serve the needs of seniors and their families in San Diego and communities throughout California.  Attorney Casiano’s experience as a long term care planning attorney is in helping clients deal with the complicated and confusing legal and financial issues that arise as a loved one grows older. 

Whether you are…

  • Focusing on protecting wealth for yourself, your children and grandchildren,
  • Thinking about your aging parents 
  • Looking for ways for your elders to get the care they need..

Attorney Casiano will approach your situation with compassion, skill and understanding based on decades of experience creating solutions that address each family’s unique needs.

What You Can Get Working with a Long-Term Care Planning Attorney

In the video, Vinny covers the various advantages of consulting with an estate planning or elder care attorney, from the legal difficulties that develop as you age to other estate planning paperwork that help protect your hard-earned assets.

What is long term care?

Long-term care encompasses a wide range of services that are meant to address a person’s health or personal care needs for an extended length of time. 

When people are no longer able to undertake routine activities on their own, these services assist them in remaining as independent and as safe as they possibly can.

A person’s long-term care needs are met in a variety of settings by caregivers, based on their location. In most cases, unpaid family members and friends offer long-term care in the patient’s home. 

Care can also be provided at a facility such as a nursing home or in the community, for example, in an adult day care center.

Personal care or help with daily routine, sometimes known as “activities of daily life” is the most prevalent type of long-term care. 

Bathing, getting dressed, grooming, using the toilet, eating, moving around, and getting out of bed and into a chair are all examples of these activities.

In addition, long-term care includes community services such as meals, adult day care, and transportation. These services may be offered for free or at cost.

When a person has a chronic, ongoing health condition or impairment, they frequently require long-term care. 

Long-term care may become necessary unexpectedly, such as following a heart attack or stroke. However, it frequently develops gradually, as people age and become frailer, or as sickness or handicap worsens.

Who Is a Candidate for Long-Term Care?

It is difficult to foresee how much or what type of long-term care a person may require in their later years. A number of factors enhance the likelihood of requiring long-term care.

Age.

People’s risk of developing illness increases as they get older.

Gender.

Women are at greater risk than men, primarily because of the fact that women have longer life spans.

Relationship status. 

Single people are more likely to require care from a paid provider compared to married couples.

Lifestyle. 

Bad habits such as eating unhealthily or lack of physical activity can raise a person’s risk of developing a disease.

Family medical history. 

These factors also have an impact on risk when your family has a history of medical conditions or disability. 

 

Medi-Cal/Medicaid and Long-Term Care Planning

San Diego is a pleasant but expensive place to live in during your retirement years. 

Due to the high expense of long-term care, planning for these needs has become a crucial issue for the majority of middle-class seniors and their families. Indeed, the majority of seniors will require some type of long-term care. 

Unfortunately, the majority of families are unprepared for the financial strain it brings. Financial ruin looms for a family facing monthly care costs.

Medi-Cal is the alternative way to pay for services. Medi-Cal is a joint federal-state program that offers medical assistance, including payment for nursing home care, to qualified persons who require assistance with daily tasks.

California has enacted legislation that will implement several of the provisions of the Federal Deficit Reduction Act of 2005 (DRA). These modifications will result in more complicated eligibility rules for those seeking Medi-Cal assistance. It is no longer as simple as going through one’s bank statements. 

There are numerous laws to consider, including:

  • look-back periods, 
  • income caps, 
  • transfer penalties, and 
  • waiting periods. 

These drastic changes will not take effect until the regulations implementing them are finalized and adopted. These rules may not be retroactive under the California law enacting DRA. There is a unique opportunity to plan and implement structures under the more permissive earlier legislation. 

Nobody is certain how long this window will remain open. The majority of vigilant advanced elder law professionals believe that there is at least six months before the regulations are finalized.

The ideal time to begin preparing to qualify for these benefits is far in advance of when you may need them. The second best time to plan for these benefits is when you or your parents require care but have not yet depleted or transferred your or their assets. 

When families take the initiative, they can secure and maintain their savings, investment assets, and homes. Only when individuals take control of their own circumstances can the financial burden of aging or illness-related care be mitigated.

Talk to an elder law and estate planning attorney about long-term care planning and the options available to you. Even if you are in crisis, there may still be ways Attorney Vincent Casiano can help.

Get immediate assistance with all aspects of elder law and estate planning in San Diego.

Please contact Vincent Casiano today for a complimentary phone consultation with him to determine how he can assist your family.

You can also contact Casiano Law Firm by filling out an online form.

Need a Comprehensive Estate Plan & Strategic Estate Litigation Attorney?

With years of experience in Elder Law and Estate Planning, San Diego estate litigation attorney Vinny Casiano helps his clients understand the pros and cons of each strategy to make the best decision for themselves and their families. Finally, he assists his clients in carrying out whatever strategy they have decided is best for them.

Got Probate or Trust Concerns? Get Help NOW!

Whether your concern is about will or trust contests, fiduciaries, or complicated estate plans, San Diego probate and trust litigation attorney Vincent Casiano is here to help. Get high-quality and personalized legal solutions that will address your needs today!