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Long-Term Care


Is an Independent Living Facility Right for Me?
Housing options and the associated costs are among the top priorities for many seniors. Today, the housing market is unpredictable, while...

Salvatore Di Costanzo




Ensure That Your Home is Protected
Dear Mr. Di Costanzo: Can Medicaid take my home if I get sick? If you fall ill, you may seek Medicaid benefits to help pay for your care...

Salvatore Di Costanzo


Protecting Spouses of Medicaid Applicants: 2023 Guidelines
The Centers for Medicare & Medicaid Services (CMS) has released the 2023 federal guidelines for how much money the spouses of...

Salvatore Di Costanzo


Does Medicare Pay for Assisted Living?
Assisted living facilities support older adults with daily living while fostering their independence. Individuals who do not require...

Salvatore Di Costanzo


Dear Mr. Di Costanzo: Am I responsible for my spouse’s nursing home costs?
Under New York State law, a spouse is considered a legally responsible relative which means that you are financially responsible for the...

Salvatore Di Costanzo


Using Trusts to Protect your Children
An inheritance can be easily dissipated if your child is a spendthrift, has bad habits or is involved with a divorce. A trust can ensure...

Salvatore Di Costanzo


The New Look-Back Period - Using Medicaid Trusts
Thursday, August 27th, 2020, I continued discussing Governor Cuomo’s State Budget implementing a new 2 1/2 year look-back period for...

Salvatore Di Costanzo


Using a Medicaid Trust Without Losing Control
Over the years, I have found that one of the biggest obstacles preventing clients from pulling the trigger on a Medicaid Trust is the...

Salvatore Di Costanzo


If I have long-term care insurance, do I still need to engage in planning for the future?
Co-Authored by Joanna C. Feldman, Esq. Long-term care insurance can be a great arrow in one’s quiver of tools when planning for the...

Salvatore Di Costanzo


How long does a Medicaid home care application take? What is the process?
Co-written by Joanna C. Feldman, Esq. An application for Medicaid benefits to cover home care services is less complicated than an...

Salvatore Di Costanzo


Protecting Your House After You Move Into a Nursing Home
While you generally do not have to sell your home in order to qualify for Medicaid coverage of nursing home care, it is possible the...

Salvatore Di Costanzo


Getting Paid as a Family Caregiver Through Medicaid
Caring for an ailing family member is difficult work, but it doesn’t necessarily have to be unpaid work. There are programs available...

Salvatore Di Costanzo


Do You Have a Powerless Power of Attorney?
The Power of Attorney (“POA”) and Statutory Gifts Rider (“SGR”) are two of the most important documents drafted by an elder law...

Salvatore Di Costanzo


Medicaid Home Care
Traditionally, Medicaid has paid for long-term care in a nursing home, but because most individuals would rather be cared for at home and...

Salvatore Di Costanzo
How can I be eligible for Medicaid if I have assets?
One of the most unfortunate situations in my practice is when I hear that someone spent most, if not all, of their assets on the cost of...

Salvatore Di Costanzo
The Intersection of IRAs and Long-Term Care
Second to the house, an individual retirement account (“IRA”) is usually the largest asset when looking into someone’s financial...

Salvatore Di Costanzo
I’m considering a Medicaid Trust but I’m afraid of losing control. How much control do I really lose?
A Medicaid Trust is an irrevocable trust designed to protect your assets from the staggering costs of long-term care, usually nursing...

Salvatore Di Costanzo
Does owning a life insurance policy render someone ineligible for Medicaid in a nursing home?
Co-authored by Joanna C. Feldman To be eligible for Medicaid benefits in a nursing home in 2018, one may have no more than $15,150.00 in...

Salvatore Di Costanzo
May the community spouse retain any income from their spouse who is in a nursing home and on Medicaid?
Co-authored by Joanna C. Feldman Generally speaking, Medicaid rules require most of one’s monthly income be contributed toward the cost...

Salvatore Di Costanzo
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