This is directly from the Medicare and You 2009 book concerning Hospice Care: For people with a terminal illness who are expected to live 6 months or less (as certified by a doctor). Coverage may include drugs (for pain relief and symptom management), medical, nursing, social services, and other covered services as well as services not usually covered by Medicare (like grief counseling). Hospice care is usually given in your home (or other facility like a nursing home) by a Medicare-approved hospice. Medicare covers some short-term inpatient stays (for pain and symptom management that requires an inpatient stay) in a Medicare-approved facility, such as a hospice facility, hospital, or skilled nursing facility. Medicare also covers inpatient respite care (care given to a hospice patient so that the usual caregiver can rest). You can stay in a Medicare-approved facility up to 5 days each time you get respite care. Medicare may pay for covered services for health problems that aren't related to your terminal illness. You can continue to get hospice care as long as the hospice medical director or hospice doctor recertifies that you are terminally ill. You can view the entire book here: http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf
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Medicare covers hospice care for individuals with a terminal illness with a life expectancy of six months or less. It can be continued beyond six months if the patient's condition remains terminal.
Medicare covers some long term care expenses. However, the coverage won't be enough. You can call or go online to find out more about payment options and find out what plan would be the best for you. ANSWER: Medicare usually do not cover services that are associated with long-term care, they only pay rehabilitative services in a skilled care facility but it is limited for 100 days only. People are usually misinformed or misguided about long-term care information on medicare. For the first 20 days, medicare will cover your skilled care expenses, and then you will have to shoulder some of the expenses from day 21 to 100. After 100 days, you need to pay for all your expenses
You'll need to find alternative ways to pay for the nursing home, even if they can get Medicare due to disability, because Medicare does not pay for nursing home stays. You can look into "Long Term Care" insurance to pay for the nursing home, many insurance companies offer it.For details on what Medicare will cover:http://www.medicare.gov/Publications/Pubs/pdf/10050.pdf To check for Medicare eligibility:http://www.medicare.gov/MedicareEligibility/home.asp?version=default&browser=IE%7C7%7CWindows+Vista&language=English
Sure you do still pay your share of the FICA (social security and medicare) (OASDI) taxes on your earned income as long as you are providing your services to earn the income and are still breathing.
A person can pay for long-term care through Medicaid if they meet eligibility requirements based on income and assets. Long-term care insurance is another option, which can help cover the costs of care in a nursing home or assisted living facility. Some individuals may also qualify for veterans benefits or utilize community resources for support.
Long term care insurance offers a wide range and variety of services. Depending on the policy you choose, your long term care insurance may pay not only for assisted living but home care, facility care, respite care and other settings. It is important to speak with an agent and review your policy thoroughly so you can make sure that the setting you prefer, be it home based or facility based, is covered.