As we have discussed in earlier blogs, it is always a goal for ourselves and our loved ones to remain independent within our own home for as long as possible. To make this a possibility, the need for care at home may become necessary at any age and it may be needed for a short time or for an extended duration. Paying for this care is dependent on whether the care is considered medically necessary. If the need for ongoing care is “custodial” in nature, meaning it is not medically necessary, then it will not be covered by Medicare. In this situation, long-term care insurance is one option that can help provide a way for you to pay for this care.
What Type of Care Do I Need?
Care in the home is divided into two types: custodial and skilled. It is important to understand the difference between each type in order to decide which type of service provider is right for you.
What Is Custodial Care?
Custodial care includes assistance with activities of daily living, which range from shopping, light housekeeping, and laundry, to eating, dressing, and bathing. This type of care does not require the aid of a nurse, and can be provided by home health aides and/or nursing assistants. Custodial care is not considered medically necessary and is not typically covered by Medicare or private health insurance companies.
What Is Skilled Care?
Skilled care is a type of care usually provided by licensed professionals such as nurses, physical therapists, and occupational therapists. Often these services are provided in the home when an individual has returned home from a hospitalization or has had a significant change in health status. Skilled services are deemed “medically necessary” and are therefore usually covered by Medicare and private insurance.
For more information, setup a free consultation now:
The fear of cost should not prevent someone from speaking with an attorney to see if they or their family has properly planned ahead. At the same time, properly preparing for a consultation takes some effort by the attorney. Hmmm…. What to do?
Free and/or Inexpensive Consultations:
Schedule a free 15 minute phone consult with asset protection attorney Darol Tuttle. The purpose of the free 15 minute phone consultation will be to determine if you have a legal issue and whether our firm can help. Voila! We can discuss in the 15 minutes your basic situations. However, Darol will not be able to give any legal advice specific to your case unless he is retained.
Schedule a inexpensive or free one hour meeting with asset protection attorney Darol Tuttle. In order to be truly helpful, a longer conversation is usually necessary. Darol usually bills $250.00 per hour. However, for the initial consultation, he has reduced his rate to $125.00. AND, in the event you hire Darol, the consultation fee is applied to the total attorney fees and is, in a sense, free.
Rules about the hour consultation:
Sorry, lawyers like rules.
#1 All decision makers must be present. Estate and asset protection planning is vitally important and mistakes or misunderstandings can be devastating. In order to have a productive meeting, if you need to rely on the advice of any third party about the issue you wish to discuss with Darol, that third party must be present. No exceptions. If the person lives out of state, no worries. We have phones.
#2 You need to provide us some basic information. In order to prepare for the meeting so it is productive, we will need some basic information. Just a summary of your medical and financial situation. No biggie. We will send you a “Planning Organizer” and ask you to fill it out before the meeting.
#3 Bring your checkbook. At the meeting you will need to write a check for $125.00 for the consultation fee if there is one or for the retainer fee. Either way.
Darol currently has a busy schedule. In order to manage that correctly, he has blocked out days of the week for meetings in one of three different locations in King and Pierce County.
Please choose a meeting date by day but be aware of the location. All meetings are at least two weeks out so that you have time to gather some basic information.
Tacoma: 1201 Pacific Ave, Ste. 600
This is our firm location, i.e., where the paralegals work. It is right down town Tacoma in the Wells Fargo building. Parking is validated and in the basement of the building. Here’s a map.
Tukwila: 14900 Interurban Ave S
This is a meeting location for folks in the middle part of Puget Sound or people who just like Tukwila. It is right off Exit One on I-405. Free Parking! Here’s a map.
Seattle: 521 Stadium Place South
This is also meeting place in Seattle. It is the Wave Apartment building overlooking Century Link field. There are conference rooms on the second floor in a secure building. Parking is available just like any other place in Seattle but usually available in front of the building and normal parking meter rates apply. Here’s a map.
Darol Tuttle, Attorney at Law, P.S. services clients in Washington State to include Thurston County, Pierce County, King County and Snohomish County to include cities such as Olympia, Tacoma, Gig Harbor, Federal Way, Puyallup, Sumner, Auburn, Kent, Seattle, Burien, Des Moines, Renton, Kirkland, Bellevue, Redmond, Seattle, Lynnwood, Edmonds and Everett.