Long-Term Care Insurer Bankers Life Sued for Elder Abuse in Oregon
A class action lawsuit has been filed in Oregon against Bankers Life and Casualty Co., charging that the long-term care insur...
Read moreIn what police say is a shocking case of elder neglect, a Daly City, California, tax auditor and his wife have been charged with felony elder abuse following the death of the man's 81-year-old mother.
When authorities discovered Pik Ng in January, she was lying on the floor of a small, cold, waste-ridden bedroom off the garage of her son and daughter-in-law's middle class home in a suburb of San Francisco. She was emaciated, unable to talk and covered in bedsores and her own urine and feces.
Rushed to a hospital, she was treated for malnutrition, dehydration, pneumonia and hypothermia but died a few weeks later. An indication of how long she had been neglected, according to the San Mateo District Attorney's Office, was the length of her toenails, which had grown between one-half and one inch beyond the ends of her toes.
While the mother was slowly starving to death, her son and daughter-in-law were apparently living a pleasant, middle class life in the remainder of the house.
Albert Kong, 49, and his wife, Sandie Kong, 44, were both charged with elder abuse along with a special enhancement for causing the death of a person over the age of 70. If convicted, they each could serve up to 11 years in prison.
"Under (the law), anyone who takes on the role of caretaker is responsible for what a reasonable person would do," said Deputy District Attorney Melissa McKowan. "In this case, the reasonable person would have sought out medical attention for (Ng) instead of letting her basically starve to death."
A 1997 study by the U.S. Department of Health and Human Services found that for every reported incident of elder abuse, about five go unreported.
"This is a classic case of elder abuse neglect," McKowan said, "and this is a worst-case scenario."
For an article on the case in the San Francisco Chronicle, click here.
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Read moreIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MOREIn addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.
READ MORETo be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.
READ MORESpouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MORECareful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.
READ MOREIf steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.
READ MOREThere are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
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READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREMost states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.
READ MOREApplying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.
READ MOREMedicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.
READ MOREDistinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.
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READ MORELearn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.
READ MOREUnderstand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.
READ MOREWe need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.
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READ MORELearn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.
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