Nursing Homes, Assisted Living & Scams

1. Nursing Homes, Assisted Living & Scams Sandra Covin / King Beahan Fall Conference 2009

2. Nursing Homes, Assisted Living & Scams • Definitions • Type of Homes • Scams

3. NursingHomes/Skilled Nursing Facility • Definition • Admission’s criteria • Factors when selecting a facility • Cost of living in a facility • Veterans Community Living Center • Texas State Veterans Homes

4. Definition • A residential facility that provides skilled24-hour care • A licensed physician supervises each patient’s care and a nurse or other medical professional is almost always on the premises. 

5. Definition • Most nursing homes have two basic types of services: • Skilled medical care • Custodial care • May be integrated into a continuing-care retirement community or a hospital.

6. Admission’s Criteria • Each person’s needs are unique • Some may require short term care due to rehabilitation • Some may require long term care as recommended by a physician • Each case is independently evaluated

7. Factors to When Selecting a Facility • Facility Certification and Financial Matters • Specialty Care available • Location • Physical consideration • Staffing

8. Factors When Selecting a Facility • Mental and Emotional Well being of Patients • Room sharing an Furnishings • Residents Care Plan • Employees • Physician • Meals

9. Factors When Selecting a Facility • Admissions Requirement • Cost of Care • Transportation Services

10. Cost of Nursing Home • Cost for care is expensive • Average daily cost $192.00 a day for a private room. • Average daily cost $169.00 a day for a shared room. • Where you live also affects the amount spent on care.

11. Cost of Nursing Home • Payment options • Private Pay • Long-Term Care Insurance • Medicare • Medicaid

12. Veterans Community Living Center • Mission • Goals of Care • Locations • Admission Criteria • Community Residential Care

13. Texas State Nursing Homes • Seven Homes located in Texas • Designed to serve Texas Veterans and spouses • Follow State and Federal guidelines • Resident qualifications • Admission Criteria

14. Texas State Nursing Homes • Effective May 29, 2009 • Change to 38 CFR Part 51 and 58 • Per diem for Nursing Home Care of Veterans in State Homes • Veterans rated less than 70 percent or higher • Veterans rated 50 or 60 percent

15. Assisted Living • Definition • Cost of Residing in a facility • Factors to consider when selecting a facility

16. Definition • Individuals needing assistance with ADL • Care not as intensive as nursing home • Provides intermediate care for seniors

17. Cost of Assisted Living • Price differs depending on the type of quarters the individual prefers • Most facilities are private pay • Medicare does not cover the cost • Medicaid may assist with the cost • Long-term insurance may cover the cost

18. Cost of Assisted Living • Fees may start at $1000 a month • The average daily cost is between $60-$70 a day • May include room and board and meals • Other care may be offered at an additional charge

19. Factors When Selecting a Facility • Atmosphere/Comfort Level • Services and Activities • Equipment /Amenities • Financial Considerations • Safety Considerations

20. Scams • Definition • Elder Law • Financial Service Organizations • Benefits Counselor

21. Definition • Financial exploitation is the illegal or improper use of another person’s money or property for personal profit or gain.

22. Elder Law • Law that impacts the lives of older Americans • Fastest growing area of the law • One person attains the age of 50 every seven seconds

23. Financial Service Organization • Advertise to provide assistance with claims for A&A • Promote placing funds in an annuity • Money is made from selling the annuity

24. Benefits Consultants • Provide veterans with information on long-term care • Do not participate in the application process • Most work for a Financial Service Organization

25. Questions??????

26. Thank You