Elder Law

410.793.7233

Our goal is not only to help families with their estate planning needs, but also to help them prepare for the potential of needing long-term care as they age or in the event of severe injury or disability.

Research shows that over half of those over 65 years old will need an average of two years of long-term care at some point during their lives.  

Medicare will pay for a brief stay in the hospital and for skilled nursing care for up to 100 days. After that, patients who do not qualify for Medicaid benefits must pay out of pocket for their long-term healthcare (“LTC”) costs.

Long-term healthcare, whether in a nursing home or through a community or home-based system, is expensive.  For example, depending on where you live and the type of care needed, nursing home care can cost between $6,000 and $10,000 per month.

Medicaid can help those who cannot afford to pay for a nursing home or other types of long-term care; however, there are strict income and asset restrictions, which can change annually. And, a penalty period may be imposed, during which the applicant must pay for LTC out of pocket, if assets are transferred within 60 months of application for benefits.

We help our clients understand the rules, determine whether they are eligible for benefits, and create a plan to prepare the client or a loved one for the eventuality of needing long-term care. Once a plan is created, we can work with you and your financial and other professionals to ensure your plan is implemented correctly.

Free 30-Minute Consultation


Menu