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Posted by Positive Aging Community on 09/29/2021

How to Pay for Care discussion with Elder Law, Aging Life Care, Lifecare Affordability Plan

A live and interactive discussion with three important professions that will focus on how to pay for longterm care and managing a crisis. Learn about innovative techniques and solutions for building a stable plan that includes healthcare, legal and finances. 

  • Bernadette Sweeney, Attorney at Law - Elder Law Attorney 
  • Colleen Duewel, LionHeart Eldercare & Consulting - Aging Life Care Manager 
  • Arvette M. Reid, Lifecare Affordability Plan - Client Services Director


Links to our other "Money Matters" Discussions 

Chat Transcript

12:08:29     From  Ellen Pincus : Good afternoon! Ellen Pincus Community Ambassador with Silverado Memory Care Assisted Living in Alexandria,VA cell 571-775-9408 ellen.pincus@silverado.com. Thank you for this wonderful presentation!!!

12:09:10     From  Steve Gurney - ProAging Sourcebook   to   Ellen Pincus and all panelists : YEAH Ellen - congrats on the new position!

12:09:24     From  Ellen Pincus : Thank you Steve!!!

12:09:58     From  nancy toward : Nancy Toward, LCSW with Inova Cares Medical House Calls providing primary care at home to older, homebound adults. 703-698-2431 - Thank you

12:10:09     From  Keisha Toussaint Mc Mayo : Good afternoon everyone 

Keisha Toussaint Mc Mayo

Family Support Worker II 

Prince George’s Department of Social Services 


12:10:17     From  Karen Vassar : Hi everyone.  I'm Karen Vassar, owner of Griswold Home Care NoVA West in Centreville VA.  karen.vassar@griswoldhomecare.com. 703-570-6812

12:10:33     From  Jeffrey Briggs : Good Afternoon,

12:11:00     From  Christine Dolan   to   Hosts and panelists : Christine Dolan, Daily Money Manager/Financial Organizer, owner C. Dolan & Associates, christine@cdolanfinancial.com, 703-868-8664.

12:11:07     From  Jeffrey Briggs : Jeff Briggs here, Director of Intake with Family & Nursing Care. jbriggs@familynursingcare.com, 301-755-1136

12:14:31     From  Ken Silverstein : Good Afternoon Everyone--Ken Silverstein, AlfredHouse Assisted Living/Memory Care, we have 10 boutique homes in Montgomery County.  Referrals greatly appreciated. Excited to announce our newly renovated/modernized AlfredHouse 4--Villa.  Contact me at 240-535-0597 or ksilverstein@alfredhouse.com.

12:14:42     From  Jennifer Brown : Hi - Jennifer Brown - Seabury Care Management - 202-364-0020 - jmbrown@seaburyresources.org -

12:15:46     From  cathy harrison : Hi All! Cathy.harrison@brightstarcare.com-Brightstar Care of Montgomery County-skilled nursing and personal care for all ages 301-588-0859

12:18:10     From  Sheraine Arbitsman : I have a living revocable trust and it is funded with our real estate assets but our IRA & SEP cannot go into it. I don’t have long term care for my husband and me and I don’t want our retirement accounts to go to our care.  I have done POA, Healthcare proxy.  Our son says we need to make our trust irrovocable. Is this advisable?  What should our next steps be?

12:18:31     From  Steve Gurney - ProAging Sourcebook : From Christine Dolan to All Panelists:  12:11 PM

Christine Dolan, Daily Money Manager/Financial Organizer, owner C. Dolan & Associates, christine@cdolanfinancial.com, 703-868-8664.

12:19:11     From  Christine Dolan   to   Hosts and panelists : Thank you Steve!

12:23:49     From  Sharon Parver   to   Hosts and panelists : Can anyone address the VA's Aid and Attendance program: eligibility, application process, advice, etc. Thanks!

12:24:43     From  Adele Logan-Galen   to   Hosts and panelists : Hello!  Adele here from Smooth Move Managers, a NOVA based senior move management company.  You can reach me at 571-230-5702 or Adele@smoothmovemanagers.com.  Would love to hear from you and please visit my website at www.smoothmovemanagers.com.  Thanks!

12:24:57     From  Steve Gurney - ProAging Sourcebook : From Adele Logan-Galen to All Panelists:  12:24 PM

Hello!  Adele here from Smooth Move Managers, a NOVA based senior move management company.  You can reach me at 571-230-5702 or Adele@smoothmovemanagers.com.  Would love to hear from you and please visit my website at www.smoothmovemanagers.com.  Thanks!

12:25:04     From  Dixcy Bosley   to   Hosts and panelists : Medicaid is a govt safety net for the most vulnerable Americans.  It is not meant as a funding source for protecting long term care for folks with retirement benefits..  Seriously

12:25:28     From  Marie Woodard : Working with an Aging Life Care Manager go to our Aging Life Care Association web site

12:25:33     From  Marie Woodard : https://www.midatlanticalca.org/

12:25:55     From  Olivia Nicola : Hi All! Olivia here from Heartland ProMedica Hospice and Palliative Care. Truly enjoying this informational inservice. Very helpful! Wishing you all a terrific day! 

Olivia Nicola │ Account Liaison 

Tel: 202.642.0301 

Email: olivia.nicola@hcr-manorcare.com

Admissions Tel. 703.273.8693

Admissions Fax: 703.273.3479


12:26:21     From  Judy Redpath : Judy L Redpath, CFP(R) , AIF(R), VISTA Wealth Strategies LLC, Reston, VA. We work with our financial planning clients on these issues frequently as part of longevity planning. Thanks for your practical approaches and for presenting options.

12:29:22     From  Adele Logan-Galen   to   Hosts and panelists : Olivia, please list your contact info.  Thanks!

12:29:41     From  Steve Gurney - ProAging Sourcebook : From Adele Logan-Galen to All Panelists:  12:29 PM

Olivia, please list your contact info.  Thanks!

12:29:59     From  Louis Tenenbaum   to   Hosts and panelists : How do you include pro-active home modifications in care plans?  Since a prepared home can avoid health crises and costs and reduce the hours and efforts needed for caregiving, modifying the home can have a significant impact on the efficacy of the plan.

12:30:22     From  Adele Logan-Galen   to   Hosts and panelists : Steve: please list the contact info for your panelists.  Thanks@  Great seminar

12:31:38     From  Steve Gurney - ProAging Sourcebook : Contact information for our panel members

12:31:39     From  Steve Gurney - ProAging Sourcebook : Import from CSV Edit

ARVETTE REID (areid@seia.com)

Colleen Duewel (colleen@lionhearteldercare.com)

Bernadette Sweeney (bsweeney@sweeneylegal.com)

12:31:46     From  Sheraine Arbitsman   to   Hosts and panelists : Where can we go for the flat rate planning?  i’m in NJ.

12:31:56     From  Adele Logan-Galen   to   Hosts and panelists : Opps!  I meant Judy.  Please list your contact info.  Thanks

12:33:13     From  Dixcy Bosley   to   Hosts and panelists : Many of my private care management clients have long term care insurance so when I break the news that their ALF is $10-12 K  mo plus additional  $5-10 K for round the clock care to ensure safety…they don’t blink an eye.   What will happen to these facilities and their clients when LTC insurance is completely unavailable for the aging Boomers to come.  A serious   health care economic crisis is on the horizon

12:33:55     From  Jeffrey Briggs : Thank you for that clarification. Working for a home care agency there is a lot of confusion regarding the differenced between home care and home health so we do our best to educate people on the differences.

12:35:03     From  Mark Asch : There could also be two Veterans benefits that pay toward non-medical home care

12:38:07     From  Joe Sperling : A Partnership qualified LTC policy will protect assets and allow Medicaid qualification without counting assets equal to the amount paid out by the LTV insurance.

12:38:38     From  Joe Sperling : Sorry - LTC insurance.

12:39:01     From  nancy toward   to   Hosts and panelists : Bernadette, if someone applies and uses long term care Medicaid. Upon his or her death, can the house be garnished in order to reimburse the state for expenses paid out? I know a lot of folks are eligible but would like to pass along their homes to their children.

12:39:07     From  Colleen, LionHeart Eldercare   to   Hosts and panelists : lets talk next about long term care policies, lots of questions there

12:42:16     From  Robyn Hall : I work with low income elderly with Fairfax County Government Housing. So many of my clients do have Medicaid and the nursing homes that accept Medicaid benefits is not acceptable care.  There's a great need for long term care for this class.

12:44:46     From  susan Infeld : Agree with Robyn Hall.  There is need and need for advocacy for the most vulnerable.

12:45:28     From  Joe Sperling : Modify the policy rather than dropping the coverage.

12:45:52     From  James MacDonald   to   Hosts and panelists : My mom purchased LTC Insurance at 60. Paid $45k total up eto age 75 when she (I) made a claim due to Alzheimer’s. It paid for itself within the first 180 days of her memory care stay (she’s still there 18 months later).

12:46:50     From  Steve Gurney - ProAging Sourcebook : https://www.aginglifecare.org/

12:46:58     From  James MacDonald   to   Hosts and panelists : I should say 180 days after the 90 day elimination period.

12:52:42     From  Joe Sperling : Can get LTC policies and life + LTC rider with unlimited lifetime benefits.

12:53:02     From  Olive Freeman : Olive Freeman, Senior Care Management Advocate

12:53:07     From  Mark Asch : everyone should contact Joe Sperling to talk about the proper insurance coverage

12:55:09     From  Mark Asch : other veteran benefits as well

12:56:40     From  Steve Gurney - ProAging Sourcebook : Solo Aging - Live and Interactive Discussion with Carol Marak - Author, Solo and Smart https://www.retirementlivingsourcebook.com/videos/solo-aging-live-and-interactive-discussion-with-carol-marak-author-solo-and-smart

12:57:51     From  Heidi Garvis : Great topic and wonderful experts!  Heidi L. Garvis, Caring Considerations Aging Life Care Managers in No VA. heidi@caringconsiderations.com 571-437-9396  We provide Healthcare Agent with Medical Power of Attorney services for solo-agers.  Other services include RN Care Management and the Sr. Housing Search...

12:59:04     From  Deb Merriner : Great resources shared here today.  Thanks so much for the valuable information! Deb Merriner, Buckley’s for Seniors, 703-390-0535

13:00:26     From  Colleen, LionHeart Eldercare   to   susan Infeld and all panelists : I'm happy to talk later or personally about your concern with the Medicaid concern/skilled nursing if we don't get to it today

13:00:47     From  Colleen, LionHeart Eldercare   to   susan Infeld and all panelists : colleen@lionhearteldercare.com

13:02:13     From  Patrice Henry : thank you all so much, this is very helpful.

13:03:45     From  Joe Sperling : Having LTC insurance - even a modest policy - helps.  Helps to retain control, dignity and choices.

13:04:37     From  I. S. Gibian   to   Hosts and panelists : Great content, but beyond that…one of the best-moderated and -coordinated panels I have attended on this site!  Thanks!

13:04:43     From  Dixcy Bosley   to   Hosts and panelists : Congress …Pass the Human Infrastructure bill. Every senior deserves good care

13:05:16     From  Olive Freeman : Olive Freeman, smaller Assisted Living accept certain numbers of Medicaid residents. Homes with 5 - 10 beds.

13:07:19     From  susan Infeld : Olive, any in Arlington that you know of?

13:10:02     From  Olive Freeman : No..but you can looking the Source Magazine by host Steve Gurbey and ProAging.

13:10:41     From  Steve Gurney - ProAging Sourcebook : Understand Virginia Medicaid and Waivers https://www.retirementlivingsourcebook.com/videos/understand-virginia-medicaid-and-waivers

13:11:23     From  Patrice Henry : how can I get Arvette Reid's information?

13:11:50     From  Ellen Pincus : Thank you so much to everyone!! Great information.

13:12:20     From  Steve Gurney - ProAging Sourcebook : Here is all the panel members contacts ARVETTE REID (areid@seia.com)

Colleen Duewel (colleen@lionhearteldercare.com)

Bernadette Sweeney (bsweeney@sweeneylegal.com)

13:13:10     From  Olive Freeman : Olive Freeman..Susan I apologize for my key strokes mistakes.

13:13:47     From  Patrice Henry : thank you.

13:15:38     From  Joe Sperling : This has been a HUGELY excellent discussion!

13:16:04     From  Christine Dolan : This has been an AMAZING discussion.  Thank you ALL so much!!!

13:16:19     From  Joe Sperling : Depends on the policy!

13:16:27     From  Ada Horsfall Lifematters : Hiring: 

Looking to hire self-motivated independent Care Managers in MD/DC & VA.

Looking to hire Friendly Visitors for MD/DC & VA

Ada Horsfall (MD, MBA, MHA,) Director of Care Management at Lifematters. 301-615-0616 ahorsfall@lifemattersusa.com Lifematters is a home care company providing care management, homecare and social engagement concierge services in DC, MD & VA for seniors and adult children.

13:17:00     From  Joe Sperling : Some policies have more LTC benefit than the life insurance death benefit.

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