WhyElderLaw
What do you consider to be some of the most pressing issues in elder law today?
Medicaid was, at least 15 or 20 years ago, almost a foregone conclusion for many people entering nursing home care or planning to become eligible. It is still critical for a lot of people, but Medicaid rules and resources have become more challenging to navigate, and it should not be a one-size-fits-all approach.
When I meet with clients now about long-term care planning, and there is not an imminent need for nursing home care, we will discuss a variety of options: paying out of pocket, long-term care insurance, a reverse mortgage on their home, or Medicaid if that is needed. It is not one-size-fits-all. The Medicaid program has gotten more constricted, and the nursing home industry has gotten a lot more challenging too. There is not a long-term care system in this country.
Another urgent issue is scams or financial abuse. Scams get a lot of attention, and they steal billions of dollars from people every year. Helping people become aware of these risks and giving them tools to avoid them in the first place can be challenging. Sometimes we use trusts, power of attorney documents, or even guardianships to provide some protection.
I am also fascinated by the balance in elder law between personal autonomy and protective measures. There is a concept — more from disability law, but it applies to older adults too — called the “dignity of risk.” It’s the idea that people have the autonomy to make their own decisions, and if those decisions don’t work out, that’s part of being an independent human being. But if someone takes risks that threaten their personal welfare or finances, then intervention may be necessary. Finding that balance is an interesting thing to navigate and to contemplate.
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