Medicare Premium Assistance
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November 17, 2023
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By Mary Day
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What Are The Medicare Premium Assistance Programs? In Ohio, these programs are referred to as Medicare Premium Assistance Programs (MPAPs) (referred to elsewhere as Medicare Savings Programs (MSP) and formerly known as “buy-in” programs) and pay some of the health care costs of Medicare eligible individuals with low income and limited assets. The Ohio Department…
Read MoreGuardianship Alternatives
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November 16, 2023
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By Mary Day
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Why Should Alternatives Be Explored Before Considering Guardianship? A guardianship is established by probate court to preserve the assets (guardian of the estate) and assure the physical well-being of a person (guardian of the person), who, as a result of a mental or physical illness or disability, of intellectual disability or of chronic substance abuse,…
Read MoreLong-Term Care Insurance
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November 16, 2023
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By Mary Day
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What Is Long-Term Care (LTC) Insurance? Long-term care (LTC) insurance is a health insurance policy that helps pay for someone to care for you if you are unable to care for yourself for an extended period of time. You may need LTC help with eating, dressing and bathing at home, or you may need LTC…
Read MoreSmall Estates
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November 16, 2023
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By Mary Day
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What If I Don’t Have A Will When I Die? If you die without a will. i.e., “intestate”, and own real property (land) or personal property (stocks, bank accounts, cars, etc.), your assets are distributed according to Ohio intestacy law. What Is Ohio’s Statute of Descent And Distribution? Ohio’s statute of descent and distribution sets…
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Grandparent Rights
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November 16, 2023
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By Mary Day
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What Are Grandparent’s Visitation Rights? Under Ohio law, a court can award visitation rights to a grandparent in three situations: when there has been a domestic relations proceeding, when the child’s parent is deceased, or, at the time of the child’s birth, the mother was unmarried. For the court to consider granting visitation the grandparent…
Read MoreAmericans with Disabilities Act
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November 16, 2023
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By Mary Day
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What Is The Americans With Disabilities Act (ADA)? The Americans with Disabilities Act (ADA) of 1990 is a federal law designed to make sure that people with disabilities have an equal opportunity to employment, public accommodations, transportation, state and local government services and telecommunications. Who Is Protected By The Americans With Disabilities Act? The ADA…
Read MoreSocial Security Disability
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March 09, 2023
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By Mary Day
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What Are The Social Security Administration’s (SSA) Disability Programs? SSA offers two major programs that provide benefits based on disability. These programs are Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI). For most people the disability requirements are the same under both programs and are determined by the same process. You must submit…
Read MoreMedicare Coverage Nursing Home Care
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March 09, 2023
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By Mary Day
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When Does Medicare Cover Skilled Nursing Facility Care? Skilled nursing facility (SNF) care is generally covered by Medicare Part A if you were admitted to a SNF within 30 calendar days after the date of discharge from an inpatient hospitalization of at least 3 consecutive days, not counting your day of discharge. Also, your doctor…
Read MoreMedicare Supplemental Insurance (Medigap)
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February 28, 2023
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By Mary Day
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What Is Medicare Supplement Insurance? Medicare Supplement Insurance, also known as “Medsupp” or “Medigap” is extra insurance you can buy if you have Original Medicare designed to help pay medical costs not covered by Original Medicare, such as deductibles and coinsurance. Federal laws have standardized all Medigap insurance to currently only 10 plans. The Medigap…
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