Hi everyone, it’s Wade Scott, Delaware Elder Law Center. 

In this segment I’m going to introduce the concept of Long-Term Care Medicaid, which is a government benefit. Long-Term Care Medicaid is a benefit for the disabled, not the indigent.  

Yes, there are financial requirements, but the primary requirement is that a person is disabled; and that means that they need custodial care.  Which [custodial care] is defined as the patient needs assistance with activities of daily living. That’s things like help with the bathroom, bathing, managing meals, managing medications, they need assistance with transferring.  Once a person requires a level of assistance then they have to meet the financial requirements; which I’ve talked about in other segments.  

One way to understand Long-Term Care Medicaid is, it picks up where Medicare leaves off.  So, Medicare pays for kind of crisis medical management and in the hospital, then a period of rehabilitation, doctor’s visits.  But Medicare stops after around a hundred days.  That, you know, that would be the maximum.  If the patient continues to need care or assistance with activities of daily living, that’s where Medicaid and picks up.  

So, in Delaware we’re lucky.  Medicaid pays for home health aides to come to your home up to 50 hours a week or assisted living or skilled nursing and so the way to think about long term Medicaid is that it’s a benefit for the disabled.  It’s the medical need that is primary; the financial requirements are secondary. 

So, when you’re thinking about “how do I know when to begin to apply for Medicaid? When I should do that it’s based on the medical need.”  It’s when you or a loved one needs assistance with activities of daily living.  That’s when you think of, begin to think about, applying for Medicaid. Don’t wait until you’re down to your last $2,000 as I explained in other videos. I hope you find this helpful and we’ll talk to you again. Thanks.