His medicare has run out and tricare won't pay for custodial care. We are now faced with paying over $5,800.00 a month out of pocket expenses. What can we do? He served in the Korean War, and a veteran of 43 years. It doesn't seem fair!
Caroled, we also have Medicare & Tri Care for Life, there is no other insurance you need right now. if it comes down to your husband having to go into a home for care don't go down to Charlotte Hall Veterans Home, that is State Run by a privatized company and will financiallt drain all that you have. You can contact the local VFW in Waldorf and ask to have their service officer contact you, going through the VA is the way to go, like Perry Point vs CHVH
As a veteran's spouse of 3 wars, since your dad is retired with 43 yrs. he is able to get a pension tax-free from the VA called Aid and Attendance. You have to file with the forms from va.gov, with doctor's tests & evaluations which will qualify him for 24/7 care for his dementia. I filed, and am awaiting approval right now. Do it ASAP because it takes months to get the pension. Also, check into finding him a VA home where his expenses are paid for, or an adult care home (secured) in your city. Check with your local senior agencies in getting referrals to some less expensive places. You can reduce those expenses while you wait for the VA pension. Good luck!
go through the VA Your state Veterans Home will take all but $90 of his military pension ($90 goes to him for incidentals) but going through he VA he can go into a veterans facility, which will not be your States Veterans home, seems like they should both be the same, but are not, as stated above contact any local VFW, AL, etc veterans organization and ask to speak to their service officer, they are trained to help your father at no cost to him or you. Also try calling the TriCare office for your section of the country and pose your question to them.
Go to your local DAV and get the papers for the Aid and Attendance it will cover for Vets from that period as my dad is a WWII vet but make sure you have his DD214 and that you have the power of Attorney to do this but trust me you need to do this before you have what I had fall on me my mom was forced to stay in a Nursing home by Protective Elder Services and you better believe when they found out where the money was they went and forced my dad in there I am going through the courts with this right now and they are not even trying to get any coverage from the VA they are trying to force them onto Mass Health because they want all of their assets including the house because my parents did not have a will and to top it off very nicely the judge never got the assessment from the VA that stated my dad did not need a nursing home or anything they even had their doctor misdiagnose my mother saying she has dementia because she had a fall and an injury to her head and they snuck in and assessed my mom behind my back. and she has been complaining that she needs new glasses and everything but I have no way to fight them they have ruined my reputation as it is saying all the lies they have said about me right down to diagnosing me as bipolar and I am not bipolar .. just because I got upset because of how a caseworker and social worker were disregarding everything I was saying and then they had the nerve to disrespect my father .. Protective Elder Services do not protect the Elderly they destroy them and toss them in a nursing home to die because from what I see now it looks like they decide when you are no longer of use to anyone and they just want everything you worked your life for.. be very careful and very leary of them because they will lie in everyway they can to get what they want.
Neutrino, do you mean that your dad is in rehab following a hospitalization and that his medicare rehab services are about to expire? They are usually paid in full for 20 days (as long as the person shows progress) and then at 80% for up to an additional 80 days as long as the patient shows progress. (I might note that physical/occupational therapists that don't know how to work with dementia patients have difficulty showing progress.) Neither Medicare nor other insurances will pay for custodial care.
If he doesn't have long term care coverage or sufficient assets, he may get help as a veteran for long term care. This could be at assisted living, home, nursing home. You would have to apply for this. Alternatively, medicaid can be applied for through your state to get public assistance if your Dad has no assets. Hope this helps, good luck.
Medicare didn't "run out" per se but it only pays a certain amount of data in a nursing home, then you private pay our try to get Medicaid. He'll still have Medicare for other things. There's also the VA Aid & Attendance that will help veterans who served during a war.
I don't know what state you live in but my Dad lives in a VA nursing home. He pays a monthly fee, but it is my understand that if your Dad has no assets or income, the VA will accept him for free. Please google, VA homes/nursing in your state. In NJ there are 3 of them. Call them directly and ask lots of questions. I never knew Medicare could run out either, that is knew to me.
You might want to check out this site: they published an article titled ‘Tricare Help’. According to the site, there is an option in the form of FLTCIP which stands for the Federal Long Term Care Insurance Program. It’s available for the service members as well as military retirees.
If he doesn't have long term care coverage or sufficient assets, he may get help as a veteran for long term care. This could be at assisted living, home, nursing home. You would have to apply for this. Alternatively, medicaid can be applied for through your state to get public assistance if your Dad has no assets. Hope this helps, good luck.