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New Member |
My dad is 85 yrs old and retired after serving from 1942-70. He's getting a little feeble and was wondering if Tricare will cover the cost of a nursing home, VA or private, if it comes to that. Any info would be greatly appriciated by the familiy. Thanks and GOD bless you all.
Donnie Burke, AMS3 VAW-121, 1976-79 |
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Donnie I have been through this mill personally. TRICARE for Life does not cover Long Term Care. Each is a different policy from the other. You have to take out a LTC Insurance policy, then execute it when you intern your Dad. Unfortunately, once your Dad consumes his first Alzheimer med, if he has Alzheimer, he is no longer eligible for LTC insurance. If your Dad is just old and feeble the LTC premiums may be prohibitive at your Dad's age for your income level. However, you can still get the Meds and Doctor visits thru TFL if you keep your Father at home, or in a domestic setting with a relative or something like that. VA benefits for internment of the primary or relative member is based upon a formula of how much of an Estate (money plus Real Estate, cars, CD, etc.) that your Father has available to him direct from his estate. You did not state if your Dad's Wife was still alive. Her income and estate also figures into the equation that the VA considers. Also, you cannot "give away" any part of the Estate to a relative as hidden income because the VA has a 5-year "Look Back" program for just such rat-holing of funds. You may approach a nearby VA counselor and get the same advice I offer you here. Or, you can depend on the vultures (Often called Law or Admin Firms) that will descend upon you and sweet talk you into giving up a fee to what you are already entitled to, or at least straight info the VA has for free. These parasitic Firms will also try to have your Dad invest monies into annuities with the parasites to bring down the numbers of his Estate. Screw them. Get to a VA counselor to get the straight dope free. As a vetting, I interned my wife into Alzheimer Care Home @ $3,000.00 per month. But our nest egg and property made us ineligible for VA assistance. You have to be destitute to reap VA benefits. But it is worth everything to get it right from a VA counselor's mouth. My words here is only a spring board. Bless..... sb5 |
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I omitted guidance and want to correct it here. TRICARE for Life is still a viable Health Insurance policy even if your Dad is interned in a Care Home. Things like meds, Doctor visits, body maintenance is still payable thru TCL. It does not alter even though your Dad is interned into a Care Home. Added: Insure you inspect and review any Care Home you consider placing your Father into. Ask questions of the Senior Staff. Some Care Homes are only Feed, park, and sleep warehouses. Others have better dinning, recreation aids, and comfortable settings that your Dad will be confined to. By confine, I mean the Care Home will possible have security features so the Residents will not turn a short walk into a wander. I can check my wife out for any length of period I wish, for a drive, Doctor's appt, lunch, home visit, what ever. But when the Resident is within the Care Home facility the facility is responsible for the Resident and allows no short walks to turn into a lost wander. In the Care Home business there are warehouses, and Care Homes, then elite total care. Each has it own commercial rates and return offerings to the Resident. Inspect each level of Care Home before you choose. |
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Navy Forums Moderator Sick and tired of being sick and tired.  |
Donnie,
God Bless you and your dad and thank both of you for your service to our country. I too have been through something similar with my dad recently. He had Alzheimer's and my mom finally decided she could no longer care for him at home so we all made the decision to put him in a nursing home. Luckily, my cousin is the general manager of the home we chose so we knew someone going in. As we found out though, they treated everyone with the same loving care no matter their relationship. Anyway, the nursing home has a financial advisor/insurance person who knows all of the ins and outs. It ended up that Medicaid (or medicare, I forget which) paid for most of his stay. As sb5 said, visit the nursing homes BEFORE you choose, and while you are visiting, ask about their insurance assistance. Another thing that my mom really found helpful was searching out an Alzheimer's support group. She said it was very helpful to have people who had BTDT to talk with. |
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Donnie TMC_SW advice is strong. Find a Alzheimer support group to touch with. There are several on the computer Webs. I was with two Alzheimer Boards for nearly 5 years. I assure you no one knows Alzheimer better than a 24/7 Caregiver. This "school" is a cruel training ground and having Caregivers that are 24/7 trained to offer the Stages of Alzheimer (1-7), the mood expectations, "Sundown Syndrome", and the basic meds is a God send. These 24/7 Caregivers are in the trenches 24/7, fixed bayonets and hand grenades. Those who Caregive alone are almost destroyed by the time they realize they must intern their loved one. Find help. And Bless... |
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Member |
 Donnieburke I feel sorry about your dad's situation. But I'll go one further about TFL. I've harped on this now for over a year. There is a CBO proposal Article #189 that proposes military retires have imposed on them a cost sharing program. I don't know about the rest of you but during my time 57/76 all we ever heard was do 20 and free medical be there for life. WE retirees and future ones need to write their members of Congress asking them to vote against this article.Retirees are apatheic to write their members of congress. They think the associations will lobby enough. But when we lose this benefit we'll have no one to blame but ourselves. So you better start writing your members before it's too late and have no one to blame but ourselves. |
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