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Articles related to focusing on healthy aging, prevention, mobility, cognition, nutrition, independence, and caregiving support.

4 min

Do nursing homes get money when someone dies?

While it may be a common concern, nursing homes do not receive a bonus or a windfall payment when a resident dies. The financial implications are related to settling outstanding balances, which are handled very differently depending on whether payments were private or funded by Medicaid. This guide clarifies the answer to the question: do nursing homes get money when someone dies?.

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5 min

How long before nursing home take your house?

According to the National Council on Aging, the average cost of a private nursing home room exceeds $100,000 per year. This staggering expense raises a critical question for many families: how long before nursing home take your house? The answer hinges on understanding Medicaid’s rules, specifically the "look-back period" and "estate recovery."

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3 min

What is an exempt caregiver? A complete guide

According to AARP, over 53 million Americans are family caregivers, and many may not be aware of the legal and financial benefits available to them. This comprehensive guide explains **what is an exempt caregiver** and the various contexts in which this term applies, from tax regulations to Medicaid planning.

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5 min

What is the main goal of the long-term care partnership model?

According to the Department of Health and Human Services, a person turning 65 has nearly a 70% chance of needing some type of long-term care services and support in their remaining years. This is why understanding what is the main goal of the long-term care partnership model is critical for financial planning, providing an innovative way to protect your assets while planning for future care needs.

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4 min

Are family members responsible for nursing home bills? The legalities of filial and spousal responsibility

According to the Consumer Financial Protection Bureau, many nursing homes try to bill or sue a resident's family members for the cost of care, often in violation of federal law. Understanding whether family members are responsible for nursing home bills is crucial, as the answer depends on a mix of state and federal laws, contractual agreements, and the presence of spousal liability or filial responsibility statutes. This guide will demystify the legal landscape and provide actionable advice to protect your family from unwarranted nursing home debt.

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5 min

Can nursing homes take your life insurance from your beneficiary?

With the median cost for a private room in a nursing home exceeding $100,000 annually, families are rightly concerned about protecting assets. This financial guide answers the crucial question: **Can nursing homes take your life insurance from your beneficiary?** The answer depends heavily on how your policy is structured and who is named as the beneficiary, making careful estate planning essential.

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5 min

How to avoid a nursing home taking your house during Medicaid estate recovery

According to Genworth Financial, the median cost of a private room in a nursing home in the US reached over $108,000 per year in 2024, a staggering cost that can quickly deplete a family’s life savings. If you rely on Medicaid for long-term care, your home may be at risk during the state’s estate recovery process. The key is understanding how to avoid a nursing home taking your house during this time through proactive legal and financial planning.

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5 min

How many years can a nursing home go back and retrieve funds?

Over 60% of nursing home residents rely on Medicaid to cover their costs, and to qualify, they must first deplete their own resources. Understanding **how many years can a nursing home go back and retrieve funds?** is crucial, as federal and state laws govern this process to prevent the improper transfer of assets.

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5 min

How to avoid nursing home taking your house?

The average annual cost of a semi-private nursing home room exceeds $100,000, presenting a significant financial challenge for many families. This guide explains legal strategies and estate planning tools to help you understand how to avoid nursing home taking your house. These methods focus on asset protection and navigating complex eligibility rules for programs like Medicaid.

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