Long-Term Care in California
Get Help from a Torrance Long-Term Care Lawyer
The prospect of long-term care is a difficult but crucial consideration for individuals and families and a necessary part of comprehensive estate planning. Long-term care refers to different kinds of programs for elderly and disabled individuals, ranging from home care to community and independent living facilities to nursing homes. People mistakenly assume Medicaid will pay for long-term care in the event of an accident or illness, but this is simply not true for most people. Such programs will only provide limited short-term coverage, and then only in certain hospitals and facilities.
Call us today at (310) 626-4404 for your free initial consultation.
Long-Term Care Insurance as Part of Comprehensive Estate Planning
Long-term care needs funding and is best paid for through private insurance policies. Such policies are available to individuals, families, or as part of a larger group through an employer or faith-based organization. Certain qualified policies will not affect a person's eligibility for Medi-Cal or other public assistance.
Purchasing long-term care insurance as part of comprehensive estate planning will ensure individuals receive the best possible quality of life in the future. Proper estate planning may include using life insurance trusts, planning for those with special needs or drafting and executing a will or powers of attorney. Trusts in particular can aid in minimizing probate estates and will maintain an individual's eligibility for public assistance, including but not limited to Medi-Cal.
Long-Term Care Litigation in Torrance
Sometimes, people who already have a long-term care insurance policy may find their claims denied. In those distressing situations, a Torrance probate attorney can contact the insurance company on a claimant's behalf for negotiation. If necessary, the claimant can instigate a lawsuit to fight an insurance company that does not want to pay out a claim.
In other situations, family members may have an elderly relative or a loved one with special needs who lacks the necessary ability to care for him or herself. In those situations, a conservatorship may need to be arranged to make health care and financial decisions for the individual. Our South Bay estate planning and probate lawyers have experience in representing parties to conservatorship litigation in addition to serving as court-appointed conservators.
Get More Information About California Long-Term Care
Contact the Law Offices of James C. Shields to learn how long term care can be part of a comprehensive estate plan, or if you are having difficulty getting an insurance company to approve your claim.
Call us at (310) 626-4404 for your free initial consultation.
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