6+ day, 11+ hour ago (491+ words) Kelly Gusmano knows that paying for long-term care is a complicated " and costly " subject. With nursing home care averaging $16,000 to $20,000 per month, "no one wants their medical needs to deplete their life savings," said Gusmano, a partner at Woods Oviatt Gilman." Other panelists were Korin Reynolds, director of Community Relations & Admissions at St. John's and Dan Lyon, Fraud/Scam"and Identity Theft Program Manager at Lifespan." Gusmano focused her remarks on options for paying for long-term care, covering private pay, long-term care"insurance"and Medicaid " the only government program that covers long-term care in a skilled nursing facility." She also outlined Medicaid eligibility requirements, community Medicaid benefits for those living outside nursing homes, and the five-year lookback period that examines an applicant's financial history for asset transfers." Because of the complexity, she urged individuals to consult an attorney at any…...