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Mechanicsburg Long-Term Care Planning Attorney

Mechanicsburg Long-Term Care Planning Attorney

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Your Partner in Planning for Nursing Home and Beyond

As statistics show that approximately 70 percent of Pennsylvania residents will require long-term care after turning 65, it becomes evident that preparing for such care is crucial. Unfortunately, the cost of full-time nursing home care in the state can amount to approximately $13,000 per month. For most individuals, relying on Medicaid or other forms of financial assistance becomes necessary to cover these expenses.

At Keystone Elder Law, P.C., our team of dedicated Mechanicsburg long-term care planning attorneys is here to assist you in developing a comprehensive plan that meets your present and future needs. We will sit down with you to review all available options, considering factors such as in-home care, assisted living, or nursing home care. Moreover, we will guide you on safeguarding your assets and preserving eligibility for Medicaid and other financial assistance programs, ensuring the affordability of necessary care.

A Full Range of Long-Term Care Planning Services for South Central Pennsylvania Clients

While not everyone may require nursing home care in their later years, it’s essential to assess your financial situation and plan ahead, even if long-term care is not an immediate need. Keystone Elder Law, P.C. offers a range of services to address various aspects of long-term care planning, including:

  • Long-Term Care Insurance: This insurance policy covers the costs of nursing home care, assisted living, in-home assistance, and other forms of long-term care if the need arises. However, it is essential to consult with a Mechanicsburg long-term care planning attorney before purchasing a policy, as they can be complex and expensive, often with exclusions that require careful consideration.
  • Medicaid Asset Protection Trusts: If you anticipate relying on Medicaid or other public assistance for long-term care, it’s vital to evaluate the potential impact on your home and other assets. Strict income and asset limits apply to these programs, and after your passing, your heirs may be required to sell your home to reimburse Medicaid. Establishing a valid Medicaid asset protection trust can prevent this outcome.
  • Gifting Strategies: Many seniors in Mechanicsburg mistakenly believe that they can transfer money and property to their children to circumvent Medicaid’s asset limits. However, Medicaid has a “lookback” period of five years for most substantial gifts, subject to certain thresholds. It is crucial to consult with a long-term care planning attorney to understand the implications before engaging in gifting strategies.
  • Estate Planning: Long-term care planning encompasses more than asset protection; it involves creating a comprehensive estate plan that includes powers of attorney. By designating individuals you trust, you ensure that they can make financial and healthcare decisions on your behalf in the event of incapacitation.

Contact a Mechanicsburg, PA, Long-Term Care Planning Lawyer Today

Planning for long-term care may seem daunting, but with the assistance of skilled and compassionate Mechanicsburg long-term care planning attorneys at Keystone Elder Law, P.C., the process becomes manageable. We will guide you through each step of developing an appropriate plan that protects you and your loved ones. Schedule a confidential and no-obligation consultation today to begin securing your future.

Estate and Long-Term
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Comprehensive Interdisciplinary Approach

Empowering Clients with Holistic Planning at
Keystone Elder Law

At Keystone Elder Law, we believe that the physical, social, legal, and financial considerations of our clients all intertwine. We utilize an interdisciplinary approach to evaluate each area, which allows for the creation of a plan that addresses the concerns of the individual as a whole as well as the family. To this end, our model of practice includes a Care Coordinator (usually a nurse or social worker), whose expertise complements our team of attorneys.

When the road of life is smooth, decisions about legal and financial matters are easy to push aside for “a rainy day.” Planning ahead, however, will allow for more options as you view the map of where you’ve been and where you want to go. Don’t let a crisis limit your choices or derail your plans.

(717) 697-3223