[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.amorusolaw.com\/blog\/long-term-care-varies-state-by-state-new-york-ny-greenwich-ct\/#BlogPosting","mainEntityOfPage":"https:\/\/www.amorusolaw.com\/blog\/long-term-care-varies-state-by-state-new-york-ny-greenwich-ct\/","headline":"Long Term Care Varies, State by State","name":"Long Term Care Varies, State by State","description":"\u201cStates can differ dramatically when it comes to long term care regarding availability, quality, government benefits, retirement communities and cost.\u201d What if your parents live in Oklahoma, you live in Nebraska and your brothers and sisters live in New York and California? Having the important conversation with your aging parents about what the future might […]","datePublished":"2020-04-08","dateModified":"2024-04-04","author":{"@type":"Person","@id":"https:\/\/www.amorusolaw.com\/blog\/author\/amorusolaw\/#Person","name":"Amoruso & Amoruso LLP","url":"https:\/\/www.amorusolaw.com\/blog\/author\/amorusolaw\/","identifier":5,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/12de032c04195e9c39a06a6d6eea182f7b4fa655c20e245f8094a244b5cdd0cb?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/12de032c04195e9c39a06a6d6eea182f7b4fa655c20e245f8094a244b5cdd0cb?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Amoruso & Amoruso LLP","logo":{"@type":"ImageObject","@id":"https:\/\/www.amorusolaw.com\/wp-content\/uploads\/2023\/07\/amoruso-logo.svg","url":"https:\/\/www.amorusolaw.com\/wp-content\/uploads\/2023\/07\/amoruso-logo.svg","width":0,"height":0}},"image":{"@type":"ImageObject","@id":"https:\/\/www.amorusolaw.com\/wp-content\/uploads\/2023\/04\/6a01901dd0a082970b0240a4f8e5ed.jpg","url":"https:\/\/www.amorusolaw.com\/wp-content\/uploads\/2023\/04\/6a01901dd0a082970b0240a4f8e5ed.jpg","height":853,"width":1280},"url":"https:\/\/www.amorusolaw.com\/blog\/long-term-care-varies-state-by-state-new-york-ny-greenwich-ct\/","about":["Elder Law","Estate Planning","Government Benefits","Long Term Care","Medicaid","Retirement Planning"],"wordCount":547,"keywords":["Elder Law","Estate Planning","Government Benefits","Long Term Care","Medicaid","Retirement Planning"],"articleBody":"\u201cStates can differ dramatically when it comes to long term care regarding availability, quality, government benefits, retirement communities and cost.\u201dWhat if your parents live in Oklahoma, you live in Nebraska and your brothers and sisters live in New York and California? Having the important conversation with your aging parents about what the future might hold if one of them should need long-term care is going to be a challenge, to say the least.It\u2019s not just about whether they want to leave their home, reports the article “What is the best state for long term care” from The Mercury. There are many more complications. Every state has different availability, levels of care and taxes. If the family is considering a continuing care retirement community, or if the parents already live in one, what are the terms of the contract?The differences between states vary, and even within a state, there can be dramatic differences, depending upon whether the facility being considered is in a metropolitan, suburban or rural area. There\u2019s also the question of whether the facility will accept Medicaid patients, if the parents have long-term care insurance or any other resources.Here\u2019s what often happens: you open up a glossy brochure of a senior community in a warm climate, like Florida or Arizona. There are golf courses, swimming pools and a great looking main house where clubs and other activities take place. However, what happens when the active phase of your life ends, slowly or suddenly? The questions to ask concern levels of care and quality of care. Where is the nearest hospital, and is it a good one? What kind of care can you receive in your own apartment? Are you locked into to your purchase, regardless of your wishes to sell and move to be closer to or live with your adult children?And what happens if you or a \u201cwell\u201d spouse runs out of money? That\u2019s the question no one wants to think about, but it does have to be considered.For people who move to Florida, which has a very generous homestead exemption for property taxes and no state tax, the incentives are strong. However, what if you become sick and need to return north?For seniors who live in Pennsylvania and receive long-term care and other services, the well spouse\u2019s retirement funds are exempt for Medicaid regardless of the amount. However, if you move over the state\u2019s border to New Jersey, those accounts will need to be spent down to qualify for Medicaid. The difference to the well spouse could be life changing.Delaware and New Jersey have Medicaid available for assisted living\/personal care. Pennsylvania does not. The Keystone State has strict income limitations regarding \u201cat home\u201d services through Medicaid, whereas California is very open in how it interprets rules about Medicaid gifting.The answer of where to live when long-term care is in play depends on many different factors. Your best bet is to meet with an established elder law attorney who understands the pros and cons of your state, your family\u2019s situation and what will work best for you and your spouse, or you as an individual.Reference: The Mercury (March 4, 2020) “What is the best state for long term care“"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Blog","item":"https:\/\/www.amorusolaw.com\/blog\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"Long Term Care Varies, State by State","item":"https:\/\/www.amorusolaw.com\/blog\/long-term-care-varies-state-by-state-new-york-ny-greenwich-ct\/#breadcrumbitem"}]}]