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Maryland Estate Planning & Probate Attorney > Maryland Long-Term Care Planning Attorney

Maryland Long-Term Care Planning Attorney

Moving into a retirement home brings a sense of dread for many people, and whether they are in their 50s or 90s, few like to ponder the reality that they will likely spend at least some time in a nursing home, assisted living facility, or independent living senior community. According to, someone who turns 65 today has a 70 percent chance of needing some sort of long-term care for their remaining years. Planning for long-term care is vitally important, and it is never too early to start planning for the financial aspect of such a move by qualifying for Medicaid. Contact the Maryland long-term care planning attorneys of Frame & Frame for more information today.

Our Long-Term Care Planning Attorneys Can Help Find a Solution

It is never too soon to begin thinking about long-term care for you, your spouse, or aging parents. There are many avenues to consider that can provide peace of mind, and an elder law and estate planning attorney can help you find the ones that work for you. If you are considering long-term health care planning, Frame & Frame can provide that assistance.  We represent elder law clients in Maryland. Learn more below about the importance of long-term health care planning, and contact us online to get started or call us in Pasadena at 410-255-0373 or Stevensville at 410-643-2202.

Do Not Put Planning Off Until it is Too Late

According to a recent survey conducted by the National Council on Aging, the top concerns for Americans aged 60 and older regarding their later years include maintaining their physical health, memory loss, and maintaining their mental health. However, one of the top concerns that professionals (such as credit union managers, physicians, and pharmacists) had for seniors was their ability to access affordable senior housing. Few people enjoy thinking about leaving the home they raised their children in or the community they have been living in for decades, yet it is something that needs to be planned for. While maintaining physical, mental, and memory health is important, some things cannot be planned for, such as a fall going down the stairs or developing Alzheimer’s or serious dementia. We can take all the precautions there are when it comes to maintaining health during our later years and it may not be enough to keep us living independently. If you have not started planning for long-term care by the age of 55, it is in your best interest to start now.

What Not to Do

Some people may have read about long-term care planning and how to qualify for Medicaid, but they likely do not have the full picture. This can put them in trouble for various reasons. For instance, if you were to transfer the title of your house, give your assets away, or make a series of large gifts to your family members, you still may not qualify for Medicaid due to the five-year “look back” period.

Should I Purchase Long-Term Care Insurance?

Long-term care insurance should be another part of your plan, and your premiums will be more affordable the younger and healthier you are when you first purchase the insurance. This type of insurance is not for everyone, however, and it is in your best interest to discuss your options with an attorney first.

The Time to Start Long-Term Care Planning is Now

If you haven’t yet thought seriously about the possible need for long-term care, now is the time to start. You already know that the costs associated with long-term care are considerable, to say the least, but you may not know that there are different options available to help you afford the care needed without becoming a burden to your children or depleting the savings you have worked a lifetime to accumulate. Our Maryland long-term care planning attorneys can help you figure out the right solutions for your particular needs.

Hold on to Your Money with Capital Preservation Strategies

For many people, adequate long-term health care, including assisted living or skilled nursing care, is simply not affordable without government assistance. Although Medicare does not cover long term care, Medicaid does. Frame & Frame can help you qualify for Medicaid assistance without exhausting your assets before you become Medicaid-eligible. 

It is important to have the assistance of knowledgeable, experienced, Maryland long-term care planning attorneys for this process, as not all strategies for spending down your resources will help you qualify for Medicaid. For instance, transferring the title to your home or other assets to another family member could be subject to Medicaid’s five-year “look back” period. Not only could such a transfer not help your situation, but it could be detrimental and cause you to incur penalties as well. Instead, our long-term care planning attorneys will explore options with you, such as trusts or annuities, that are appropriate and allowable methods to protect and transfer wealth without affecting Medicaid eligibility.

Consider Long-Term Care Insurance by the Age of 55

Long term care insurance can be an excellent tool as part of your overall strategy.  The younger and healthier you are when you purchase insurance, the more affordable your premiums will be. Your payout may also grow over time, so the sooner you decide to make the purchase, the better. However, long-term care insurance is not for everybody. There are many factors that go into the decision of whether to purchase long-term care insurance, and if so, how much to buy. As part of the overall estate planning we prepare with you, we will make sure you understand long-term care insurance and the role it may play in your long-term care planning.

Our Maryland Long-Term Care Planning Attorneys Will Help You Solve the Problem of Long-Term Care Affordability

Thinking about the need for long-term care may be uncomfortable. Thinking about how you are going to pay for it can be downright unnerving. Fortunately, these issues can be addressed in ways that give security and peace of mind for your future and the future of those you love.  At Frame & Frame, our skilled knowledgeable long-term health care planning attorneys can help you evaluate options and prepare for your future care with the right set of tools and legal instruments. Call our offices in Pasadena (410-255-0373) or Stevensville (410-643 2202) to start the conversation or contact us online to get started.

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