Live Up to Your Commitment to the Nursing Home, or Beware
A recent Connecticut case highlights the risk to family members of nursing home residents who don't live up to their financia...
Read moreMost seniors would prefer to continue living in their home for as long as possible rather than move into a nursing home or similar facility. However, data shows that roughly 70 percent of adults aged 65 and older in the United States are likely to need long-term care services at some point in their later years. According to the Centers for Medicaid and Medicare Services, more than 1 million people are currently nursing home residents across the country.
Disagreements with a nursing home can arise regarding any number of topics, including the quality of food, troublesome roommates, lack of privacy, or services not meeting what was promised. Many disputes can be resolved by speaking with a nursing home staff member, supervisor, or moving up the chain of command.
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However, if you can’t resolve things internally within the nursing home, your next step should be to contact the local ombudsman assigned to the nursing home.
An ombudsman is an advocate specially trained to resolve problems for residents of nursing homes, board and care homes, and assisted living facilities. They can negotiate on a resident’s behalf, provide information about selecting long-term care (LTC) facilities and community services, and educate seniors and their families on residents’ rights.
Under the federal Older Americans Act (OAA), every state must have a long-term care ombudsman program (LTCOP) in place that addresses residents’ complaints and advocates for improvements in the long-term care system.
An ombudsman’s work may involve investigating a complaint about quality of care or staffing concerns in a nursing facility, advocating for a long-term care resident's well-being, visiting facilities to assess conditions, and working at the local, state, or national level to promote policies that support vulnerable seniors.
Because ombudsman services are federally funded, they are provided for free, regardless of income or insurance status, so that residents of long-term care facilities or their loved ones can access assistance.
While ombudsmen do not have direct authority to require action by a facility, they are responsible for negotiating on a resident’s behalf and working with other state agencies for effective enforcement.
Every statewide program usually comprises several regional or local ombudsman programs that operate within an Area Agency on Aging or other community organization; find the local ombudsman offices in your state.
1. Internal Resolution First. Attempt to resolve the issue directly with the nursing home staff or administration before contacting an ombudsman.
2. Clear Communication. Clearly explain the issue or concern to the ombudsman. Provide specific details, dates, times, and names of individuals involved.
3. Documentation. Maintain detailed records of the issues you or your loved one are facing, any attempts you have made to resolve them, and any communication you have had with nursing home staff. Share relevant documents with the ombudsman.
4. Be Patient. Understand that ombudsmen work within certain limitations and may not have immediate solutions. They often will need time to investigate and negotiate.
5. Understand Limitations. Recognize that ombudsmen cannot force facilities to take specific actions but can negotiate and work with state agencies.
6. Confidentiality. Be aware that ombudsmen maintain confidentiality.
7. Follow Up. Stay in communication with the ombudsman and provide any updates or additional information as needed.
In addition to resolving complaints, ombudsmen may provide information about how to select a nursing home and answer questions about long-term care facilities, help older adults find the services they need in the community instead of entering a nursing home, and provide education on residents’ rights. Most state ombudsman programs publish annual reports about the problems and concerns they address.
However, many ombudsman programs have limited staff resources. Most local programs seek volunteers interested in training to help visit residents, act as advocates, and monitor general facility conditions.
Whether volunteer or paid, ombudsmen must undergo training and obtain certification to ensure that they understand residents' rights, complaint processes, and confidentiality requirements.
To learn more about long-term care ombudsmen, visit the National Long Term Care Ombudsman Resource Center.
Elder law attorneys often have established relationships with local resources, including your state long-term care ombudsman programs. An experienced elder law attorney near you can assist you or your aging family member with the following:
Elder law attorneys can provide many other key services for older adults, including those who still live on their own. You may seek their assistance with executing essential estate planning documents, financial planning, as well as navigating Medicaid, Medicare, and other government benefits programs.
In addition, they can connect you with other professionals, such as financial advisors, social workers, or health care providers.
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
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READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
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READ MOREUnderstand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.
READ MOREWe explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.
READ MOREFind out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.
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