Many elder law attorneys prepare will and trusts on a daily basis, but only a few really understand the Medicare and Medicaid systems and how to plan for long-term care, explains attorney Goldberg. Medicare is a federal medical insurance program for people over 65 years of age and for younger people with certain disabilities.
Should a family member need custodial care, which involves help with daily living activities like eating and dressing, Medicare simply won't pay for this [source: Goldberg]. In this regard, a person will either pay out of pocket or seek help from Medicaid, a needs-based entitlement program that pays for custodial care.
"These are very complicated programs that have a high learning curve," continues Goldberg.