| In the capacity of this article writer's job as an ADA | | | | insurance. The partnerships connect Long Term Care |
| (Americans with Disabilities Act) Social Worker, many | | | | insurance with Medicaid. We are hearing a lot on the |
| clients with serious health problems are encountered. | | | | news about the housing crisis, and continue reading |
| The reality is: becoming disabled is a part of life. In | | | | numerous articles about the subject in the newspaper. |
| essence, people become disabled and spend life-time | | | | Throughout the country, the property values are |
| savings on medical care. Due to this big medical | | | | dropping. The whole sub-prime mortgage mess is one |
| expense, a family can end up at the local welfare | | | | serious matter, but why don't people discuss those that |
| office with a home in foreclosure. This article author is | | | | lose housing due to unforeseen medical reasons? The |
| hoping that people become proactive about obtaining | | | | fact is: families are losing homes to foreclosure. |
| medical coverage. Not enough education about the | | | | Remember, under new federal law, the home is no |
| benefits of Long Term Care (LTC) insurance is making | | | | longer automatically considered an exempt asset. |
| its way to the general population. This is the critical | | | | Couples, who run out of liquid assets, would be forced |
| extra piece to your health insurance coverage. For | | | | to sell their home to pay for Long Term Care. Under |
| those that have regular medical coverage, check your | | | | the Partnership initiative, those with long-term health |
| current plan, and see if LTC coverage is part of the | | | | insurance policies invariably avoid foreclosure. That is |
| plan. Many are surprised to find out that they have no | | | | the key really. Think about it. Most people need care at |
| Long Term Care coverage. Hospitals are great for | | | | some point in their life, but when? How much help will |
| emergencies, but what happens when a patient is | | | | we need a day? Will we need a caregiver for a |
| discharged? Long Term Care is the assistance | | | | month, for years? People buy homeowner's insurance |
| needed over an extended period of time to manage, | | | | to protect against fire. They buy auto insurance to |
| rather than cure, a chronic condition, such as, arthritis, | | | | protect against accidents. What about taking the |
| stroke, dementia, or the frailties of aging or accidents. | | | | necessary steps to protect your home against the |
| A caregiver is used to help with activities of daily living | | | | consequences of your health? Make an educated and |
| (ADL's) such as: transferring, toileting, feeding, bathing, | | | | informed decision about the valuable issues of LTC, |
| and maintaining continence throughout the day. | | | | which quite frankly, is a topic that is not being |
| The Partnership for Long Term Care is a national | | | | discussed nearly enough. |
| initiative devised to combine public and private | | | | |