There is a myth that if you are poor & destitute that you can get government assistance for any health care need. This is not true! It is important to know that if your income is above the cap, you will not be eligible for public assistance in an assisted living facility even if you are destitute without assets of any kind. This creates a big hole in the safety net, because a deserving person with Social Security income of $1,200 each month, even without assets of any kind, will not qualify for assistance. You will not be able to find an assisted living facility to care for you for $1,200 per month—the facilities generally cost much more. Hence, there is a large number living alone who can’t get the assistance they need for activities of daily living, who must depend on the limited help provided by Meals on Wheels & other charities to survive.
As a result, Special Assistance is not an option for many families without proper planning. While options are limited compared to Medicaid, good planning makes a significant difference in getting approved. Our focus at W.G. Alexander & Associates is on getting you qualified quickly while protecting your hard earned assets.
Summary: Special Assistance is a complicated program with many pitfalls. Careful planning with a professional is essential.