If you're an older individual currently residing or transitioning to a nursing home, you know that this facility is essential for receiving the necessary medical care. However, the potential out-of-pocket costs of long-term residency aren't feasible for everyone. Medicaid, or Title 19 as it's known in Connecticut, is a government program that offers financial assistance to seniors and their families for medical care. Here's how it can help with nursing home costs. 

A Guide to Using Title 19 for Nursing Home Care

Will Title 19 pay for nursing home care?

Medicaid covers a wide range of long-term nursing home care costs. Some of the qualifying expenses include doctor visits, medication, meals, tests, treatments, equipment, and room and board as long as it's shared. Medicare, another federal insurance program, also covers nursing home care but only for short-term stays.

Who qualifies for this assistance?

Title 19 for long-term care is only available for individuals with financial needs. The income limits are $1,600 for a single person and $2,400 if married. All or a portion of personal income, like a pension, often needs to go to the care costs first before Medicaid kicks in to cover the rest. 

Applications are processed through the state, so you must also be a resident of the state in which you're applying. You also need to be at least 65 years old or permanently disabled.

Is my spouse's income considered?

Only the applicant's income is evaluated during the application process. Once you're in the nursing home, your spouse can keep up to 50% of your joint assets. They can also keep a car and primary dwelling you owned together without these items counting toward your available income or assets when applying. 

What's needed to apply?

The Title 19 application covers a range of areas with a particular focus on finances. The agency requires personal identifying details, like a birth certificate, along with bank statements, investment paperwork, and property deeds. There's also a worksheet reviewing the spouse's income and expenses. If the application is denied, you have the right to appeal the decision. 

If you're a nursing home resident who needs help applying for Title 19 assistance, contact the Law Office of Debra A. Brown in Torrington, CT. This attorney understands the complexities of the Medicaid system. She'll offer valuable guidance throughout the application process to ensure all the paperwork is filled out accurately. Learn more about the firm's Title 19 services online, or call (860) 496-7717 to request a consultation.