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Nursing Home Costs Don’t Have To Be An Extinction Event!
You’ve worked your whole life to build a home and a nest egg in Montgomery County. But one health crisis could make it all disappear.
The financial reality is sobering, and most families are unprepared:
- $148,800 Per Year: The staggering average cost of nursing home care in Montgomery County.
- Medicare Doesn’t Pay: Medicare will NOT cover long-term nursing care, leaving you to pay out of pocket.
- Your Home is at Risk: Without a plan, Medicaid can force the sale of your home and deplete your life savings to pay for care.
As a Certified Elder Law Attorney, I’ve seen too many families lose everything. But it doesn’t have to be your story. There are legal strategies to protect your home and assets, even if you need care tomorrow.
Your Next Step: A Clear Path to Peace of Mind
Don’t wait until it’s too late. The earlier you start, the more you can protect.
Schedule your complimentary Montgomery County Medicaid Protection Strategy Session today. In this confidential, no-obligation 30-minute consultation, we will:
✅ Assess your unique family and financial situation.
✅ Identify the specific strategies that can protect your home and assets.
✅ Outline a clear action plan and timeline.
✅ Answer your most pressing questions about the Medicaid process.
Don’t become a financial fossil. Secure your legacy and get the care you need without losing the home you love. Call now for your free strategy session OR click the button below to get started.
Can Your Montgomery County Home Be Protected? Yes—But There’s a Catch.
Maryland law allows your home to be exempt from Medicaid’s asset limit ($2,500 for an individual) while you’re alive. This sounds great, but here’s the trap:
Warning: After you pass away, Maryland’s “Estate Recovery” program can still put a lien on your home and force its sale to repay your care costs.
The good news? With proper legal planning, you can protect your home both during your life and for the next generation.
Don’t Fall for These 5 Common Financial Traps
Navigating Medicaid is a minefield. One wrong move can lead to disqualification and thousands in unnecessary costs. Montgomery County homeowners most often make these mistakes:
- Gifting Assets Too Late: Triggering the 5-year “look-back” period and facing a long penalty.
- Using a Generic Power of Attorney: Lacking the specific clauses needed for asset protection.
- Putting a Child on the Deed: Accidentally creating tax problems and exposing your home to their creditors.
- Spending Down Unnecessarily: Liquidating assets that could have been legally protected and converted.
- Applying at the Wrong Time: Causing costly denials and delays due to simple paperwork errors.
Your Roadmap to Protection: Proven Strategies for Every Situation
There is no one-size-fits-all solution. The right strategy depends on your health, family, and financial picture. We create a custom plan for you, whether you’re planning years in advance or facing an immediate crisis.
- For Planners (5+ Years Out): Use a Medicaid Asset Protection Trust to shield your home and savings completely.
- For Homeowners Wanting Control: An Enhanced Life Estate Deed protects your home after 5 years while letting you call the shots.
- For Married Couples: Use a Medicaid Annuity Strategy to protect the healthy spouse from impoverishment and preserve a significant portion of your nest egg.
- For Crisis Situations: Implement the “Half-a-Loaf” Strategy or Caretaker Child Exception to protect assets even when care is needed now.