There must be enough staff to provide a minimum of 3.4 hours of direct care daily for each resident. Licenses are valid for twelve months and must be displayed in a conspicuous place on the premises. Note that older adults who are already in need of skilled nursing care will not be eligible to sign up for a LTC insurance policy.Īll nursing homes must be licensed by the Washington State Department of Social and Health Services. Most policies cover at least a portion of the cost of nursing home care, but it depends on the specific policy terms. Seniors who already have long-term care insurance may be covered for skilled nursing care. Learn more about Long-Term Care Insurance and how to apply for a policy at acl.gov. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan. This type of funding can be especially useful for married couples when only one partner needs nursing care, as the other residents of the home may continue living there. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. If you own a home, you may be able to use a reverse mortgage to help pay for nursing care. Learn more about your options and how to apply at ftc.gov. The benefit is intended for veterans in need of long-term care services and may be used towards paying for skilled nursing care. Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. It has comprehensive information about civil legal topics, including Medicare, eligibility, Medicare savings programs and other benefits programs. Washington Law Help is a legal assistance website. It also has information about Medicare and the companies that provide Medicare plans in the state. The Washington Care Planning Council maintains a list of organizations that can assist seniors with long-term care. They can also provide help with benefits screening and Medicare fraud reporting. Local CLCs can refer seniors to Medicare assistance in their area. There are local offices throughout the state that hold regular counseling events.ĬLCs are the Area Agencies on Aging in Washington state. Trained volunteers can answer questions about the program and help people evaluate their options. SHIBA provides free Medicare assistance to Washington residents. Statewide Health Insurance Benefits Advisors (SHIBA) This includes help with daily activities, such as bathing, dressing and using medical equipment.įor more information about Medicare and when it covers Nursing Home Care, read our Guide to Nursing Homes. Medicare does not cover long-term custodial care that addresses seniors' day-to-day needs. Medicare covers several specific services, including: After day 100, seniors are responsible for the entire cost. Starting on day 21, beneficiaries must pay a daily coinsurance rate. Once seniors meet the hospitalization requirement, Medicare will pay for up to 100 days of skilled nursing per benefit period. This benefit is available to beneficiaries who have been hospitalized for at least three days, excluding the date of discharge, so it's most valuable for those who are recovering from an injury, illness, or surgery. Medicare provides limited coverage for short-term stays in a skilled nursing facility following a hospital stay, but seniors must meet several specific requirements. Homes are only exempt if the person intends to return there or if their spouse is still living there. There are some belongings that are exempt from the asset count, including personal belongings, irrevocable burial trusts and an automobile. Individuals can only keep $75.36 for personal needs, the cost of Medicare premiums and a spousal income allowance if required. It’s important to note that most of a beneficiary’s income goes toward their nursing home care. If just one spouse is applying, the criteria for single applicants apply, however, the nonapplicant spouse can keep $148,620 in assets. Married couples can have an income of $5,484 per month and assets of up to $3,000 if both spouses are applying for Medicaid. They can also have assets of up to $2,000. These differ depending on the type of Medicaid an individual is applying for.įor single applicants applying for nursing home Medicaid in Washington, the income limit is $2,742 per month, or $32,904 per year. This consists of income and asset limits. Applicants for Apple Health must meet financial eligibility criteria.
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