About Dora Coyle
Since I began practicing Elder law in 1991, my work has been defined by a single idea: People who have spent their lives caring for others deserve to be cared for and nurtured themselves as they get older.
I’ve now spent nearly three decades working with the elderly and their families to help ensure they get that care.
As an elder care attorney, the Medicaid application is a significant part of my practice. My goal is to take the fear out of applying for Medicaid benefits. I can also assist in all stages of long-term planning, including Wills, powers of attorney, advance directives, estate administration, and guardianship. I also handle residential real estate closings.
EXPERT GUIDANCE IN THE MEDICAID APPLICATION PROCESS
If I can impart just one thing to you about the process, it’s this: I can’t stress enough how important it is to get help with the Medicaid application. Like a house closing or courtroom representation, the complexity and stakes involved call for knowledgeable and professional guidance. (And, I would add, a great deal of patience and empathy.)
For many seniors and their families, the stress of filing a Medicaid application often happens when faced with other unplanned crises — from choosing a nursing home or organizing home care to trying to protect a spouse from the extraordinary cost of long-term care. Though it’s never too late to plan—even after a loved one has entered a facility — planning early and getting help in carrying it out will ensure that the process goes smoothly and ensures the best results.
It’s been my experience that while many people plan for a rainy day, most have not planned for the expense of living a long, pleasurable life in the manner that best suits their needs.
I believe the elderly and disabled are entitled to the same dignity, respect and independence they have experienced throughout their lives. I aim to help my clients achieve these goals at every stage of life.
I have worked alongside families for nearly 30 years and have found that a holistic approach is best; each family situation is unique. Talking, listening and understanding their needs helps us work together to design a plan that ensures they get benefits they need and deserve in their senior years.
I am here to provide help and support; to offer considerable experience in ensuring all the details are attended to (paperwork and documentation; exchanges with medical, governmental and financial institutions); and larger issues (real estate, guardianship, asset protection) considered.
LONG-TERM CARE MYTHS ABOUND.
WANT TO DEMYSTIFY THE PROCESS?
Get started with this True/False quiz:
I can get long-term care (at home or in a facility) through Medicare.
TRUE OR FALSE
It’s better to apply to Medicaid too early than too late.
TRUE OR FALSE
Medicaid is for nursing home facilities only, not for in-home care.
TRUE OR FALSE
Both the infirm and at-home spouse need to give up all their savings before the infirm spouse can apply for Medicaid.
TRUE OR FALSE
I can be Medicaid eligible immediately if I sign over my bank accounts to my children.
TRUE OR FALSE
A nursing home that’s Medicaid-certified can require you to pay private payer rates until your personal savings are gone.
TRUE OR FALSE
Once you’re in a skilled nursing residence, it’s too late to apply for Medicaid.
TRUE OR FALSE
How did you score?
Count how many times you checked “False” to find out.
0-3. UH OH.
You’ve been “myth-informed.”
3-6. PRETTY GOOD!
Let’s get you to 100 percent.
7. YOU’VE GOT THIS.
Now let’s act on your knowledge.
Myths were made to be busted.
Knowledge is power!
American Association of Retired Persons
AARP is a nonprofit, nonpartisan organization that helps people 50 and older improve the quality of their lives.
Since 1982, Families USA has worked to promote high-quality, affordable health care for all Americans.
New Jersey Family Care
NJ FamilyCare is a federal and state funded health insurance program created to help New Jersey's uninsured children and certain low-income parents and guardians to have affordable health coverage. It is not a welfare program. NJ FamilyCare is for families who do not have available or affordable employer insurance, and cannot afford to pay the high cost of private health insurance.
NJ Child Support / Probation
Find all of the tools and answers you’re looking for; secure access to case information; Child Support Payment center; Application information; Resources/forms; News & FAQ.
Federal Regulations and Register
GPO’s Federal Digital System (FDsys) provides free online access to official publications from all three branches of the Federal Government. Through FDsys, you are able to: Search for documents and publications; Browse for documents and publications; Access metadata about documents and publications; Download documents and publications in multiple renditions or file formats.
MedicareNewsWatch.com (formerly HMOs4seniors.com) is a proprietary internet website launched in January 2000 featuring cost comparisons for over 200 Medicare health plans in 100 cities; a quick search feature for consumers to locate Medicare health plans; a convenient on-line form for requesting Medicare health plan information. The site is recognized in the list of "100 Most Useful Web Sites" by the AARP Bulletin. The website does not provide health/medical information except for links to other such websites.
The Hospice Patients Alliance
The Hospice Patients Alliance was formed in August of 1998 as a nonprofit charitable organization and is a 501(c)(3) corporation serving the general public throughout the United States. We were formed by experienced hospice staff and other health care professionals who saw that hospices were not always complying with the standards of care, and in fact, were in some cases, violating the rights of patients and families and exploiting them for financial gain, or not providing adequate care to control pain or other distressing symptoms during the end of life period.
Internal Revenue Service (IRS)
The IRS site includes a link to IRS forms and publications that can be downloaded and printed. The on-line forms are typically more up-to-date than the printed forms that are available.
Robert Woods Johnson Foundation
RWJF focuses its attention and resources on health and health care challenges both broad and specific in order to make a difference on the widest scale. The mission of RWJF is to improve the health and health care of all Americans.
Learn about how Medicare is funded through 2 trust accounts held by the U.S. Treasury and how you can help Medicare save money. This site provides information to help you understand the top 5 things to know about the Affordable Care Act (ACA) if you have Medicare. You will also find contact information for the Center for Medicare & Medicaid Services (CMS), the Federal agency that runs the Medicare Program. Get answers to billing questions, claims questions, medical records issues, and expense questions.
Medicare Rights Center
The Medicare Rights Center is a national, nonprofit consumer service organization that works to ensure access to affordable health care for older adults and people with disabilities through counseling and advocacy, educational programs and public policy initiatives.
Since 1989, we’ve been helping people with Medicare understand their rights and benefits, navigate the Medicare system and secure the quality care they deserve. We’re the largest and most reliable independent source of Medicare information and assistance in the United States.
National Association of Professional Geriatric Care Managers (NAPGCM)
NAPGCM is a non-profit professional development organization whose mission is to advance professional geriatric care management through education, collaboration, and leadership.
A professional Geriatric Care Manager (GCM) is a health and human services specialist who helps families who are caring for older relatives. The GCM is trained and experienced in any of several fields related to care management, including nursing, gerontology, social work, or psychology.
National Health Law Project (NHeLP)
Founded in 1969, the National Health Law Program protects and advances the health rights of low income and underserved individuals. The oldest non-profit of its kind, NHeLP advocates, educates and litigates at the federal and state level.
The care-giving safety net that has propped up health care for the poor and uninsured is breaking apart, as government responsibility cascades from federal to state to local authorities, as health care marketplace consolidation continues largely unregulated and as states are pressured to cut costs and find quick savings. In the midst of these changes, it is critical to focus on preserving health care coverage for those most in need and with fewest resources. NHeLP seeks to provide a seat at the table for representatives of low-income people, to protect consumers in the emerging managed care systems, and to find creative financing solutions that also preserve government's responsibility as provider of last resort.
National Partnership For Women & Families (NPWF)
Today, we promote fairness in the workplace, reproductive health and rights, access to quality affordable health care, and policies that help women and men meet the dual demands of work and family.
Founded in 1971 as the Women’s Legal Defense Fund, the National Partnership for Women & Families is a nonprofit, nonpartisan 501(c)3 organization located in Washington, DC.
Nursing Home Ratings – New Jersey
This site provides information helpful to senior citizens.
The Sharing Network
NJ Sharing Network is a non-profit, federally-certified, state-approved organ procurement organization responsible for the recovery of organs and tissue for the 5,000 New Jersey residents currently awaiting transplantation, and is part of the national recovery system, which is in place for the over 115,000 people on waiting lists.
Social Security Administration
Users can learn about applying for Social Security, how benefits are calculated, and how to estimate benefit levels, and can request a Personal Earnings and Benefit Statement.