| Housing - Who Pays For Home Care Services? - Public Third Party Payors |
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| Generally speaking, there are three methods of payment for home care services: self-pay, public third-party payors, and private third-party payors. Self-pay is the default payment option for home care. Whenever home care services are not paid by other methods, the patient must pay for the services.More... |
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| Transfers within a Nursing Home Facility |
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| The involuntary transfer of nursing home residents from room to room and bed to bed is disruptive, to say the least, and can be traumatic for the resident. Federal law and state laws, to varying degrees, allow for involuntary room transfers under limited circumstances. More... |
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| Housing - Reverse Mortgages - HECM |
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| In an ordinary home equity loan, a homeowner borrows money against the equity in his or her home, making payments to reduce the loan balance after the funds are received. As payments are made, the principal balance of the loan decreases.More... |
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| ADVANCED HEALTH CARE DIRECTIVES |
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| Laws in each state and the District of Columbia now allow competent adults to instruct physicians about the medical treatment they wish to receive and to withhold or withdraw life-sustaining treatment or procedures. The laws of the state in which the senior citizen lives will dictate the form, content, and availability of these health care directives. More... |
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| State Guaranty Associations |
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| Generally, all commercial insurers that are licensed by a state to issue annuity policies or contracts must be members of the state's insurance guaranty association in order to conduct business in that state. There are insurance guaranty associations in all 50 states, the District of Columbia, and all United States territories.More... |
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