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A nursing home, also known as the old people’s home , elderly home, rest home , home or residential care center , is an institution where elderly people temporarily or permanently live because they need care or nursing that can not be provided in the original living situation.

In the US there are three main types of care facilities (NFs).

An intermediate care facility(ICF) is a care institution for disabled people, the elderly or non-acute patients who provide less intensive care than offered at a hospital or nursing home. Normally, the ICF is paid privately by the individual or by the individual’s family. The private health insurance for a person and / or a third party as a hospice company can cover the costs. Board and Care Homes are special facilities designed to provide those who need help living in both living areas and with appropriate care. These facilities, often called residential centers, can be placed in a small living environment or a large modern facility. In fact, a large majority of pension and nursing homes are designed to accommodate less than 6 people. Nursing homes and nursing homes are usually manned by recognized professionals, including nurses, doctors and other doctors. These facilities are highly regulated to ensure that residents get the best possible care. Administration and nursing homes offer residents assistance 24 hours a day, making them a very popular choice for people who need regular help.

Home care homes or homes (ALFs) are living facilities for the disabled. These facilities provide guidance or assistance to activities in daily life (ADLs); ALFs are an alternative to elderly care for people living in an elderly home for whom independent living does not fit but who do not need 24-hour medical care. Assisted living is a philosophy of care and services that promotes independence and dignity.

A skilled nursing facility (SNF) is a nursing home that is certified to participate in and reimbursed by Medicare. Medicare is the federal program for older people (65+) who have contributed to social security and Medicare during their employment. Medicaid is the federal health care and related services program. Every state of poverty and qualifying Medicaid. Those who qualify for Medicaid may be low-income parents, children, including state children’s health insurance programs (SCHIP) and wellness and food programs for mothers and children seniors and disabled people.

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What Is The Difference Between Nursing Homes Versus Retirement Homes?

Paying for long term-care is not easy. Most people would not choose to live in a nursing home; however, sometimes it is unavoidable. The average monthly cost of nursing homes in our area exceeds $6,500. Assisted Living and home care are also very expensive. Here are some common misconceptions about long-term care:

1. Medicare will cover my nursing home bill - Not true. Medicare is a federal program that provides very limited coverage for certain short-term nursing home stays but no coverage for long-term care in a nursing home. Many people confuse Medicare with Medicaid, since the names are very similar; however, the programs are very different. Medicaid is a means-tested program, which has very strict income and asset requirements. Medicaid will pay for long-term care if you qualify. Medicare will not pay for long-term care. This may seem unfair, but it is the law.

4. I should transfer my home to my children to get it out of my name - Not true. The many problems to this approach include creating unnecessary gift and capital gains taxes and losing the legal right to live in your home.

Fortunately, there are better ways to transfer your home to your children that avoid these pitfalls. Other techniques, such as the execution of a revocable trust to hold your homestead property, or the execution of a deed with an enhanced life estate, are more sensible approaches.

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