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FREQUENTLY ASKED QUESTIONS


No one wants to see a lifetime of hard work to be swallowed up by the cost of long term care.

Let Metro Eldercare Agency II, LTD help you protect your assets.

Below is a list of our Most Frequently Asked Questions:

  • How is the Department of Social Services and Medicaid treating the income from the “Coronavirus Aid, Relief, and Economic Security Act” (CARES Act) Stimulus Benefit?

    Click Here For Answer

  • How do I apply for Medicaid assistance?

    The process to apply for Medicaid assistance is a complicated one. There are numerous requirements and forms that need to be completed as part of the formal application process as well as face to face interviews with the Department of Social Services.

  • What changes has New York State made for Community Medicaid Applications for Home Care and ALP?

    Effective October 1, 2020 a 30-month look back will be imposed for all community based, long term care service applications.

    This means that any gifts or transfers made during the look back period will be assigned a penalty period and the applicant will NOT immediately be eligible for Medicaid assistance. As you all know, previously, there was NO look back on home care. In addition, applicants will no longer be able to transfer assets to their heirs and be eligible for Community Home Care Medicaid the month after the gifting. Personal Care services will also be evaluated with much more restrictive guidelines as of October 1st. This new law WILL AFFECT millions of you, your loved ones, and friends.

    What You Can Do Now: If your loved one needs assistance now, or it is possible that they will need assistance in the next 30 months, and you have been holding off on applying for Medicaid, RIGHT NOW is the time to act. If you know of anyone this could affect, please forward them this email and have them call us.

  • Should I only worry about Medicaid assistance when it is needed?

    No. The time to plan for Medicaid assistance is well before it is needed, generally several years. Without proper planning, an individual may be ineligible for assistance or face delays when it is needed most.

  • Do I need an Attorney to file my Medicaid application?

    No, it is not necessary to retain an attorney to apply for Medicaid. In fact, many attorneys are not familiar with the Social Services Law. Additionally, those that do process Medicaid applications often charge high retainer fees and will bill additionally for follow-up interviews, telephone time, etc.

  • If I have a home and significant assets, I can't apply for Medicaid, right?

    All assets can be protected with planning for Community Medicaid, and a good portion for Nursing Home Medicaid.

  • I called the Department of Social Services and they told me I make too much monthly income to be eligible for Medicaid.

    Anybody can apply. Most of an applicant's "excess income" can be protected by initiating a Charitable Pooled Income Trust.

  • If I am approved for Medicaid, will I have to change my physician?

    Medicare coverage will remain the primary payer of your health care costs. Additionally, if you have supplemental health insurance you will retain it as well. Therefore, your physicians will not change.

  • How much help can I get at home from Medicaid?

    This depends on a formal assessment that is completed on every applicant. I have found over the years The Medicaid Program has for the most part provided the care that our clients needed.

  • Will I lose my home if my spouse or I need Medicaid?

    Of course not! As long as either one of you remains in your home, there can be no lien placed upon it. If you are a single elder, you are entitled to remain in your home while receiving services and there may be ways to protect your homestead, or at least a significant portion, even if you require care in a skilled nursing facility. However, we recommend the protection of your home and work in conjunction with attorneys. Even if you enter a nursing home without pre-planning, you may preserve a portion.

  • Can’t I obtain all the information and help I need from the Department of Social Services or the Human Resources Administration?

    Quite frankly, NO. Although they are mandated to provide you with information and assistance, they are so inundated with the overwhelming number of applicants, these departments are unable to provide significant assistance. Potential applicants often misinterpret the information which is provided. Additionally, they cannot provide assistance with Medicaid planning for the protection of assets. Metro Eldercare Agency II, LTD can provide this information, and the expertise and assistance you will need to apply.

  • If my spouse or myself needs a nursing home NOW, isn’t it too late to plan?

    Absolutely not. If a spouse needs a nursing home, you can still protect assets even if the need for care is immediate. And if there is no spouse, a significant portion of your assets may be preserved at the last minute if our advice is followed.

  • Do I have to do any planning if it is my spouse who needs Medicaid?

    Absolutely not. If a spouse needs a nursing home, you can still protect assets even if the need for care is immediate. And if there is no spouse, a significant portion of your assets may be preserved at the last minute if our advice is followed.

  • What are the rules for the gifting of assets?

    The rules governing the gifting of assets are those most commonly misunderstood. They are different for Community Medicaid and Nursing Home Medicaid. The amount and the timing of the gifting is paramount when it comes to planning for a Nursing Home Medicaid application. Additionally, people tend to confuse the Federal, State and Local tax laws with Medicaid statutes. This can create significant penalty periods and unnecessary expense.

  • How long does the initial consultation take and how should I prepare for it?

    Your initial meeting will probably last about one hour, although we will meet with you until you are satisfied that all of your questions have been answered. You should bring information about your current income and financial holdings. We will give you specific, detailed guidelines regarding what documentation will be needed to process the application as the process progresses. The more information you bring to the consultation, the more accurate the recommendations.

  • How long will it take to process my application?

    The length of time it takes to process the application is in great part determined by how quickly you provide us with the documents needed, and what type of application you are applying for. Depending upon your county of residence, once the application is submitted, a Community application can take 1 to 2 months to be approved, and a Nursing Home application can take 3 to 6 months.

  • I bought long term care insurance so I don’t have to plan, right?

    Many people are under this assumption, but this is not necessarily true. Metro Eldercare Agency II, LTD will review your policy to determine if it meets your needs.

  • How much do you charge for your services?

    There is a fee for the initial consultation after which you receive a detailed report with our recommendations. The fee for processing your Medicaid application is determined during the consultation. This is based upon the complexity of your financial situation, and the type of Medicaid program you are applying for. Community and Nursing Home programs have varying requirements for documentation.

  • How can I schedule an appointment, and where are you located?

    Metro Eldercare Agency II, LTD is located at 4585 Merrick Road, Massapequa, New York. You can call 516-797-0601 or email me at elaine@metroeldercare.com to schedule an appointment. You can find directions to the office on the website.

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Office Address

Metro Eldercare Agency II, LTD
4585 Merrick Road
Massapequa, New York 11758

Email Address

E: elaine@metroeldercare.com

Tel/Fax Number

T: 516.797.0601

Our Services

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"Helping Clients Navigate The Medicaid System With Compassion And Integrity Since 1995."

Kind Words From Our Clients


  • My Image

    My friend Jenny went back to her family in Florida, after staying with me for 8 months, until the Medicaid came. There have been so many twists and turns during this four year journey with Mom. I could never have done it without Metro Elder Care Agency. You, Joy, Elaine and the phone staff have all been so kind, patient and understanding. You have encouraged me at times when I was so overwhelmed I didn't know which way to turn. Thank you and I look forward to continuing to utilize your services. I want to be ready for Medicaid renewal time next year. Please don't forget me. I know I have to submit payment for future services, is there a deadline?

    Tracey T.

  • My Image

    Rarely in the business do you meet people who are honest, professional, do business by a code of ethics and most importantly reliable. I can honestly say that Elaine is who you should call if your family needs help.

    Lenny K.

  • My Image

    A successful resolution and financial savings would not have been possible without their expertise. I am immensely grateful for their help and their willingness to “go the extra mile” and I have recommended their services to other friends and family in need of advice.

    Werner K.

  • My Image

    Elaine and her staff are exceptional! Their knowledge and care made a very difficult process as “easy” as it could be. My family and I thank you Elaine, and everyone in your office.

    Jennifer S.

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    We want to thank you for your professional service and personal attention to us. What we thought would be a difficult and overwhelming task turned out to be a pleasant experience. We highly recommend Metro ElderCare.

    Henry C.

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    On behalf of my Dad, Mom and Laura, I would like to thank you for your professionalism, proficiency and kindness you have afforded us while handling my Dad’s Medicaid case. You turned an overwhelming experience into a very manageable process by walking with us

    Charles C.

  • My Image

    We can’t thank Metro ElderCare enough! Their patience, professionalism, and kindness are unparalleled! Our family highly recommends them. Thank you!

    Patrick T.

About Us

Metro Eldercare Agency II, LTD, Has Served Our Clients With Time Tested Values, Such As Honesty, Integrity And Diligence. It Is By These Standards That We Have Maintained Long Standing Relationships With Our Clients, Home Care Agencies, Nursing Homes And Insurance Companies. By Using Our Resources And By Listening To And Working With Our Clients, We Can Identify The Solutions That Best Allow Our Clients To Achieve Their Goals.

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Contact Us

Metro Eldercare Agency II, LTD
4585 Merrick Road
Massapequa, New York 11758

T: 516-797-0601
E: elaine@metroeldercare.com

Our Services

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