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Getting Medicare Food Benefits

Lavelle & Finn


As people age, accessing healthy meals can become more challenging. According to Feeding America, one in five older adults was food-insecure in 2020. Some older adults struggle with affording healthy foods, whereas others have difficulty going to the grocery store and preparing meals when recovering from an illness or injury. Although original Medicare does not offer […]

After a Dementia Diagnosis: Preparing for the Future

Lavelle & Finn


A diagnosis of dementia, a category of diseases affecting memory and thinking that includes Alzheimer’s disease, can feel overwhelming and upsetting. You might worry that you will lose control over your life and ability to make your own decisions. Fortunately, receiving a diagnosis of dementia or Alzheimer’s does not mean that you cannot execute legal […]

Will Medicare Pay for Housekeeping Services?

Lavelle & Finn


Medicare is federal health insurance for people over 65, some younger people with disabilities, and those with end-stage renal disease. Coverage of housekeeping services under Medicare can depend on several factors. Coverage Under Original Medicare? Medicare is comprised of Part A and Part B coverage. It is often referred to as “original Medicare.” Part A is […]

Pros and Cons of a Medicaid Asset Protection Trust

Lavelle & Finn


A Medicaid Asset Protection Trust (MAPT) is one option a person may consider to protect their assets from Medicaid and nursing homes or long-term care. A MAPT is an irrevocable trust created during your lifetime. The primary goal of a MAPT is to transfer assets to it so that Medicaid will not count these assets […]

Comparing Traditional Medicare and Medicare Advantage

Lavelle & Finn


Recent research by the Kaiser Family Foundation examined the differences between traditional Medicare and Medicare Advantage. While people in either program were similarly satisfied with their care and overall care coordination, some distinctions became apparent. Traditional Medicare’s Strengths Traditional Medicare is a federal health insurance program for adults 65 and older and individuals with disabilities. […]

Savings for Seniors: Lower Medicare Part B Premiums in 2023

Lavelle & Finn


For the first time in more than 10 years, Medicare Part B enrollees will see some of their costs decline. In an announcement issued by the Centers for Medicare and Medicaid Services (CMS), the agency outlined changes to the premium, deductible, and co-payment amounts for numerous Medicare costs taking effect in 2023. Note that beneficiaries with higher […]

Resources for Caregivers of Older Adults with Dementia

Lavelle & Finn


Every year, 16 million people in the United States care for family and friends with dementia, the Centers for Disease Control and Prevention reports. Caregivers of people with dementia provide care for longer durations than those who assist individuals with other conditions. They also have comparably higher risks for anxiety, depression, and reduced quality of life. One-third […]

What You Need to Know About Medicaid’s Personal Needs Allowance

Lavelle & Finn


Seniors who rely on Medicaid and live in nursing homes receive a personal needs allowance — a monthly stipend the Medicaid recipient can use to pay for needs that Medicaid does not cover. Medicaid restricts the amount of the allowance and how it is used. If recipients do not use all the money they received […]

How Much Long-Term Care Insurance Should You Purchase?

Lavelle & Finn


Long-term care insurance helps you prepare for financial costs associated with aging, such as nursing home care, assisted living, or in-home care. Yet long-term care insurance policies vary widely in terms of the amount of coverage and how long the protection lasts. The Average Costs of Care The 2021 Genworth cost of long-term care survey provides national […]

Can a Nursing Home Hold Friends or Family Members Responsible For a Resident’s Care?

Lavelle & Finn


If your loved one is entering a nursing home, you may worry whether you could be liable for their care. Under federal law, a facility cannot require a family member or friend to co-sign an admission agreement and take on personal liability. However, nursing homes around the country still try to do so, and often […]