Planning For Long-Term Care

Assisting Clients With A Difficult Transition

Long-term care is a range of services you or a loved one may need to meet health or personal needs over a long period of time. There are a variety of options, ranging from a home health aide or housekeeping assistance to assisted living to a nursing home or Alzheimer’s care facility. Choosing the best care option for a loved one is hard enough, but determining how to pay for these services can be overwhelming. Nursing homes and government agencies have their own agendas, which may not include looking after you and your family’s best interests. The law firm of J. Kevin Tharpe, P.C. can help you get the best care possible while protecting your family’s assets.

Help With Activities Of Daily Living

Most long-term care is not medical care, but rather assistance with the basic tasks of everyday life, sometimes called activities of daily living. There is a great deal of misunderstanding about which public programs pay for these home-based services. Medicare only pays for care if skilled services or rehabilitative care is required for a short period of time. Medicare does not pay for non-skilled assistance with activities of daily living, which makes up the majority of long-term care services.

Most health insurance plans cover the same kinds of limited services as Medicare. If they do cover long-term care, it is typically only for skilled, short-term and medically necessary care.

Long-term care services can be expensive. There are a number of private payment options that can help you pay for long-term care services, including:

Long-term care insurance

Reverse mortgages

Life insurance options


It is important for you to know the differences between the public programs, such as Medicare, and the private options that may be available to you or your loved ones. Each program has its own rules, eligibility requirements and limitations of coverage. For knowledgeable guidance, consult an experienced Gainesville long-term elder care attorney at the law firm of J. Kevin Tharpe, P.C. Attorney J. Kevin Tharpe is also accredited as a Gainesville veterans benefits attorney, which means he is authorized to help veterans and their families apply for federal veterans benefits.

Contact Us For Answers To Your Long-Term Care Questions

J. Kevin Tharpe, P.C. has the experience to review your case and help you determine the best long-term care option for you or your loved one. Call us at 866-253-6994 or contact us online for a consultation. We have offices in Gainesville and Young Harris for your convenience.