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Your mom needs to move to an assisted living facility but you're having difficulty selling her house . . .
Read moreIt is an unpleasant thought, but death is a reality we all must face. One way to cope with the loss of a loved one is to be prepared for their final send-off. Funerals are expensive. For Medicaid recipients and their families, it is unlikely they will have the money to cover them when the time comes.
Many people are unaware that there is coverage to help families lay their loved ones to rest. Depending on your state, Medicaid may cover some funeral costs and other final expenses.
In 2023, the average cost of a funeral, including viewing and burial, was $8,300 according to the National Funeral Directors Association.
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The average cremation cost with a service was $6,280.
If a person does not have life insurance and is a Medicaid recipient, burial or cremation costs could bankrupt a family. Most people need as much help available when facing such a massive expense.
Fortunately, Medicaid recipients may receive assistance with either burial or cremation. It is unlikely that the assistance will cover the entire service, but alleviating some of the cost is still an advantage.
Access to Medicaid funeral assistance varies depending on the state. While there is not an official checklist applicable to every state, here are some general tips that may help you obtain government assistance for a loved one’s final expenses:
During your lifetime, even if you are not a Medicaid recipient, there may be other ways to make sure your own final expenses – or that of a loved one – are taken care of. Here are a couple of ways to help allocate money toward the funeral service, burial, or cremation:
If you are beginning to plan for a loved one’s funeral and have no idea where to start, speaking to an experienced attorney in your area is a good first step. Contact an attorney in your area today.
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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.
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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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