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Orange City Estate Planning Blog

The Shocking Truth About Iowa Estate Recovery

Many people believe that they’ve protected their house/retirement/savings by adding a child to the title or creating a life estate. If you’re planning ahead for the cost of your long-term care, the nursing home’s not the one you need to worry about. It’s not Medicaid, either. Not really. The monster in the closet, the creature under the bed is the state Estate Recovery Program. For many people – including most lawyers – Estate Recovery is something straight out of their financial nightmares. [Read More]

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Ethan Huizenga August 25, 2015

Nursing Home Workers vs Medicaid Experts

At an average of $180 per day in Iowa, paying $60,000 per year for a nursing home is not only likely, but it’s almost guaranteed. Staring that number in the face can make your stress level rise pretty quickly. So, you ask the nursing home social worker for information about applying for Medicaid. Unfortunately, nursing homes are being put in a position where they simply can’t talk to their patients about Medicaid eligibility planning. As a result, there are a few things the nursing home social worker may not tell you. [Read More]

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Ethan Huizenga August 18, 2015

How to Take Control of the High Cost of Nursing Home Care

Nursing homes are expensive. Whether you’re looking at long-term care insurance well in advance of needing care or you’re visiting with the nursing home admissions office to move your elderly mother into her room tomorrow, you know that the out-of-pocket costs for nursing home care can quickly reach five digits. Paying $60,000 per year is not only likely, but it’s almost guaranteed. In the face of numbers like this, it’s only natural to despair. But you don’t have to feel lost as you face down the looming nursing home crisis. [Read More]

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Ethan Huizenga August 11, 2015

High Five: 5 Ways to Pay for the Nursing Home

Nursing home care is expensive, and it’s not going to get better any time soon. With the 2014 average cost of nursing home care reaching $169 per day in Iowa, 70% of people reaching age 65 this year can expect to pay about $123,370-$141,115 (or more!) for their end of life care. The question becomes, how do you pay for an expense that huge? [Read More]

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Ethan Huizenga April 22, 2015

Making Long-Term Care Insurance Part of Your Estate Plan

one area that often gets overlooked in the estate planning process is long-term care insurance. People have a variety of reasons for overlooking long-term care insurance, and, while some or all of these justifications may be true, it may still make sense to at least discuss the risks with your Northwest Iowa trust and estates attorney. [Read More]

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Ethan Huizenga April 14, 2015
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