What happens when the money runs out? For many Americans, Medical Assistance for Long Term Care is an option that feels almost inevitable. But these were supposed to be ‘The Golden Years’, right? And now you’re telling me I have to live off of $120/month? WHAT?!? Where do you begin? There seem to be SO many rules and so much fine print - and what is really provided?

In part one of this two-part episode, Eliesa shares her personal story with the hardships of navigating and applying for Medical Assistance for Long Term Care. We also welcome Rachel Schromen of Schromen Law, LLC to be our expert in talking about the legalities of Medical Assistance for Long Term Care in Minnesota with real tips, real examples and real advice.

**Please note that we are not offering specific legal advice - Use this advice to ask the questions in your states, with your attorneys.**

Takeaways:

• Eliesa’s personal story - why is she so passionate about Medical assistance?
• Lets clarify the terms: Medical Assistance for Long Term Care, Elder Waiver and Cadi Waiver
• What is *actually covered in MN when you’re on Medical Assistance for Long Term Care?
• The benefits of hiring an attorney for the pre-planning and application process.
• Setting Expectations for being on Medical Assistance for Long Term Care

Chapters

00:00 Introduction to Rachel Schromen of Schromen Law

01:06 Eliesa’s Personal Story with Medical Assistance

12:38 Why do people go on Medical Assistance and who is it for?

13:56 Medical Assistance vs The Elderly Care Waiver vs the Cadi Waiver

17:42 What are the first steps in applying for Medical Assistance for Long Term Care?

23:55 Navigating county workers and application challenges

34:16 Financial Realities of Medical Assistance and Elderly Waiver

45:39 The importance of early planning

47:02 Outro

Links and Resources:

National Academy of Elder Law Attorneys - a national resource to help connect you with Elder Law Attorneys around the country!

Schromen Law, LLC - Learn more about Rachel’s practice and approach to Estate Planning and Elder Law. We know we’ll be making an appointment!

10 Questions to ask your Estate Planning Attorney - A very cool document provided by Schromen Law, LLC that walks you through questions to ask while calling around for Estate Planning and Elder Law.

Minnesota Application for Medical Assistance for Long Term Care - if you’re interested in a DIY approach. A word of caution - these forms can seem deceivingly simple. We might recommend hiring a pro to help guide you.

Low Income Resources:

Mid Minnesota Legal Aid

LawHelpMN.Org