Nursing home care and long term care costs in Massachusetts are very high, often over $180,000 per year. We provide planning to help you protect your life savings and make sure that you or your loved ones get the care you need. 

 

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Timing is critical, you need guidance now.

 

At this difficult time, you should not have to worry about losing your life savings.  In 2026, in Massachusetts, a person applying for Medicaid with a spouse at home cannot qualify unless they have less than $162,000. If you have more, we may be able to make recommendations to protect your assets.  Time is of the essence, as each day you wait may cost you hundreds of dollars.  We will provide a MassHealth Plan to give you a roadmap for protecting your assets.​

Community Medicaid Programs

 

In Massachusetts, Medicaid offers a variety of programs to help frail seniors continue living in the community, rather than in nursing homes. The income and asset limits vary by the program.   With proper guidance, you may be surprised to find that you or your spouse may be able to get the care needed to stay at home, while protecting assets.  Some Community MassHealth programs even offer assistance paying for Assisted Living Facilties.  We are available to guide you through this often confusing area to ensure that you continue to live at home or in the community for as long as possible.  

Protecting your home

 

Planning at least five years in advance of the need for nursing home care allows you the best opportunity to protect the equity in your home.  We often use Life Estate Deeds or Irrevocable trusts as options for protecting your home. 

 

You need to make sure that you get the right advice.  Anytime you consider changing the title on your home, you should make sure that your interests are protected and that tax consequences are considered.