Are You Prepared for Long-Term Care Costs?

Did you know that 70% of people over the age of 65 will require long-term care at some point in their lives? The cost of care can be overwhelming, with the average cost of nursing home care in New York exceeding $175,000 per year. Without a proper plan, these expenses could quickly deplete your savings and put your family’s financial security at risk.

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Understanding Long-Term Care Costs and Medicaid Planning

Watch this short video to understand how Medicaid planning can protect your assets and secure your family's future

The Problem: High Cost of Long-Term Care

As healthcare costs rise, many families are faced with the reality that their loved ones will need extended care. Whether it’s in-home assistance, or nursing home care, the costs add up quickly.

The Average Costs
  • Nursing Home Care: $14,273* per month $171,276 per year
  • In-Home Care: $34 Per Hour** $272 a day (8-hour care) $99,280 a year

Without proper planning, these costs can devastate your financial future, leaving your loved ones to make difficult decisions.

*What New York State believes a nursing home costs in 2024 New York City (psst, we think its more like $15,000- $22,000 a month!)

** According to a Genworth Study

The Solution: Medicaid Planning with Miller & Miller Law Group

There are three ways to pay these costs:

  1. Privately
  2. Long Term Care Insurance
  3. Medicaid

Medicaid is a government program that can help cover the cost of long-term care, but qualifying for benefits isn’t easy. Strict income and asset requirements, combined with complex rules, can leave families unsure of how to proceed. This is where we come in.

At Miller & Miller Law Group, we assist in Medicaid planning and Elder Law. Our goal is to help you:

  • Qualify for Medicaid benefits without losing your assets.
  • Protect your home and savings from nursing home costs.
  • Create a long-term care plan that gives you peace of mind.

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5 Essential Steps to Protect Your Assets from Long-Term Care Costs.

The Stakes: Don't Leave Your Future to Chance

  • Losing your savings to cover nursing home costs.
  • Leaving your spouse or family without financial security.
  • Facing denial or delays in receiving Medicaid benefits.

How We Can Help You

  • 1. Evaluate Your Situation:We take the time to understand your financial and healthcare needs.
  • 2. Medicaid Eligibility Planning:We’ll help you legally structure your assets so that you qualify for Medicaid while preserving as much of your estate as possible.
  • 3. Asset Protection Strategies:Through trusts and other tools, we safeguard your assets from being depleted by long-term care costs.
  • 4. Medicaid Applications:We handle the paperwork and complex Medicaid application process, ensuring everything is done right the first time.

Success Story: How We Helped One Family Save Their Home

A client and her family came to us 5 years before their mother was admitted to a nursing home. We were able to help them create a Medicaid Asset Protection Trust, ensuring the family home was protected while still qualifying for Medicaid. After their mother went into a nursing home, Medicaid paid $342,000 toward the cost of her care. The family paid $0 for the nursing home and that $342,000 went to the family instead of the nursing home.

Schedule Your Initial Consultation Today

We’re here to guide you through the process and protect your family’s future.

Frequently Asked Questions

How can I protect my home from nursing home costs?

By using legal tools like Medicaid Asset Protection Trusts (MAPTs), you can shield your home and other assets from being counted against you when applying for Medicaid.

Is it too late to apply for Medicaid if my loved one is already in a nursing home?

It’s never too late! We can help you with Medicaid applications and asset protection,
even if your loved one is already receiving care.

Why Choose Miller & Miller Law Group?

Experience You Can Trust:
We focus on Elder Law and Medicaid planning with a deep understanding of the challenges families face. We have been named the Best Elder Law Firm in Brooklyn, Super Lawyers, and Best Lawyers.

Compassionate Guidance:
We treat every client like family, ensuring that your needs are met with care and respect.

Proven Success:
Our strategies have helped countless families in Brooklyn and beyond protect their assets and secure Medicaid benefits.

Take Control of Your Future Today

Don’t wait until it’s too late. Contact us to schedule your consultation and learn how we can help you protect your assets and secure your long-term care.