“Elder Law Update” Newsletters

News You Can Use - November 2019

By: Elder Law Associates PA Newsroom Staff

Elder Law Associates Newsletter dated November 1, 2019

With the holidays nearly upon us, we are kicking off our annual “30 Days of Thanks.” With that in mind, we wanted to thank you for being a part of the Elder Law Associates PA family – our wonderful network of friends, clients, employees, family members and colleagues. We appreciate your continued support throughout the year and value your comments and feedback. Please let us know if you have any questions or if we can support you further.
We’re hearing more and more about scams lately, particularly those that affect seniors and more vulnerable adults. Seems like there is always someone looking to separate you from your hard-earned money. Check out the article in this issue on protecting yourself from financial abuse . Be on the lookout for online scams as well. Never give your credit card, financial or personal information online unless you initiate the contact or are on an encrypted, secure site, as indicated by a “lock” icon in the address line at the top of a website. Be careful out there! Also inside this issue, we present some helpful information about spousal refusal in the Medicaid arena . If you have any questions or want to make an appointment with an Elder Law Associates attorney, please contact us .
?Enjoy this newsletter and have a very happy Thanksgiving!
30 Days of Thanks
Be sure to check out our Facebook Page this month for more about what we and our staff members are thankful for in our “30 Days of Thanks” posts.  
Ellen S. Morris, Esq., & Howard S. Krooks, CELA, CAP
Medicaid Corner: Spousal Refusal – Does It Mean I Don’t Care For My Spouse?
By Jami Scott, Medicaid Specialist,
?Elder Law Associates PA
?It was Monday morning, and I had just sat down with my cup of coffee and was waiting for my computer to turn on, when my phone rang. It was John M. He was so worried about his meeting with us later that afternoon, as he knew he had his wife, Susan, to visit in the hospital, and timing is everything for her. While I offered to make his appointment a bit earlier, I realized that it wasn’t the time of the appointment that he was nervous about, it was the meeting itself.
You see, John had anxiety over allowing us to know how much money he and his wife had in their accounts. He was nervous that she would not qualify for any Medicaid benefits, and he was left feeling like he had to lose everything in order for her to be in a nursing home. Susan was no longer safe at home, and needed a secure facility that would keep her from wandering around the neighborhood, but at a private pay rate of $11,000 per month, he knew he would be out of money in no time. Where would that leave him? He is healthy and still wants to live at home, but feared what his future would hold.
John and Susan’s assets were over the $126,420 maximum that the Department of Children and Families (DCF) has set. When we realized this at our meeting, our attorney, Howard S. Krooks, CELA, CAP, calmly reassured John, and introduced the concept of “spousal refusal.” Of course, when John heard those words, he instantly went on the defense and stated he loved his wife, and did not want to refuse providing for her care. This happens a lot when spousal refusal is mentioned, but read on to learn what Howie explained to John.   Read More