Beyond the Diagnosis: What Happens Next?

In life, we often prepare for the expected: graduations, weddings, childbirth, new jobs, and all the joys that come with them. We set our sights on bright futures, meticulously planning each step. However, we sometimes overlook the unexpected challenges that can arise, which can shake the foundation of our lives and force us to confront difficult realities we never anticipated. 

When a loved one is diagnosed with dementia, it feels as if the sky, once blue and clear, has suddenly turned dark and cloudy. Future plans that seemed so certain are now overshadowed by a sense of fear and uncertainty. Questions flood your mind: What type of care would they need? How could you afford it? How do you protect our family’s assets? Yet, through this challenging journey, careful planning, legal guidance, and a proactive approach can make a significant difference, helping to navigate the complexities of this new reality.

Steps To Take After a Dementia Diagnosis

Every family’s journey with dementia is unique and doesn’t follow a straight path. Much like the classic game of Chutes and Ladders, there are ups and downs, twists and turns. You don’t have to navigate this alone. Gather and work with a team of professionals, including doctors, an elder law attorney, and an advocate. This network is essential in guiding you and your loved ones through the complexities of care decisions and financial planning. 

Following the diagnosis, one of the first things you should do is ensure you have all the necessary legal documents. An elder law attorney is crucial in this phase, ensuring you have all the correct documents and drafting the ones you may be missing. 

Understanding Care Options & Costs

People with dementia typically require specialized care in facilities designed for safety and support. There are various types of care options tailored to specific needs. Memory Care Units (MCUs) provide 24/7 supervision, secure environments, and therapeutic activities for individuals with advanced dementia. Assisted Living Facilities (ALFs) offer general assistance with daily tasks and may have memory care sections for those with mild to moderate dementia. Nursing homes are suited for patients with significant medical needs. As dementia progresses, the required level of care increases, so being aware and informed is vital.

Private care facilities can cost in excess of $12,000 a month, a reality that may be overwhelming. Although some may pay out of pocket, many rely on veterans’ benefits, Medicare, and Medicaid for assistance. It’s crucial to consult with legal experts about these resources early on. The reason is that the facility can—under some circumstances—seize your assets, including your home. If you are single, your home must be listed or sold within six months of your Medicaid application. Your home isn’t countable for married couples, but a facility could put a lien on the property until the benefit is paid. 

Protect Your Assets & Get the Care You Need

Don’t wait for a crisis to meet with an elder law attorney. There are significant advantages to planning for incapacity before it happens. If you are in crisis or trying to plan ahead, contact our firm so we can help you figure out how to get the care you need while also protecting the assets you spent a lifetime to acquire. Contact us here to schedule a consultation.