Proactive Planning for Capacity Changes
Elder Law Attorney CT: Planning with Confidence
Aging brings new challenges, but with the right planning, it also brings the opportunity for security, dignity, and peace of mind. At Disability Planning Partners, our elder law services are designed to help individuals and families navigate the legal, financial, and emotional complexities that often come with aging. Whether you’re thinking ahead for your own needs or caring for an aging parent or loved one, we’re here to help you make informed decisions every step of the way.
We work with older adults, caregivers, and concerned family members throughout the state to put the right plans and protections in place—before a crisis occurs. With compassion and clarity, we provide the legal tools you need to maintain independence, protect assets, and access the care you or your loved one deserve.
What Is Elder Law and Who Does It Help?
Elder law lawyers cover a wide range of legal and practical concerns for older adults, including housing, healthcare decisions, benefits eligibility, and financial protection. This area of law supports individuals as they navigate aging, care transitions, and the desire to retain autonomy. Attorneys who focus on elder law assist with:
Long-Term Care Planning and Medicaid Eligibility
The cost of long-term care in CT is among the highest in the nation. With private nursing facilities averaging over $120,000 annually, most caregivers cannot afford to pay out-of-pocket indefinitely. State and federal long-term care assistance is often the only viable option—but the eligibility process is strict and complicated.
We work with families early—sometimes years before care is needed—to protect assets while preserving eligibility. That includes:
- Reviewing and explaining the five-year look-back period
- Creating irrevocable trusts and life estate deeds
- Developing spend-down strategies that align with care goals
- Preparing for crisis benefit applications if care is already needed
- Navigating asset protection and long-term care funding options
Tools for Aging in Place
Most older adults want to remain in their homes for as long as possible. Our elder lawyers help make this goal achievable by drafting homecare agreements, navigating benefit eligibility, and ensuring that housing decisions do not jeopardize Medicaid status later on. We may recommend:
- Durable powers of attorney
- Caregiver contracts between adult children and parents
- Home ownership transfers through Medicaid-compliant structures
- Customized care planning to align with health and legal needs
Asset Preservation and Spend-Down Strategies
We help families proactively shield income and property before a health crisis. Our asset protection strategies include:
- Medicaid Asset Protection Trusts (MAPTs)
- Gifting schedules that meet Medicaid requirements
- Transfers to caregiving children under the CT child caregiver exemption
- Use of promissory notes or annuities when appropriate
Navigating Aging in a Multigenerational Household
Many of our clients are juggling responsibilities across generations. From raising children to caring for aging parents, these families need flexible legal strategies.
We help multigenerational households:
- Plan around shared homeownership and caregiving duties
- Protect inherited assets from Medicaid recovery
- Create family caregiving contracts and cost-sharing arrangements
Many retirees believe they must spend all their savings before qualifying for assistance. However, with the right legal guidance, assets can be protected while still securing quality healthcare.
Elder Care Law Questions
How can I protect my assets while qualifying for Medicaid?
Our attorneys develop strategic asset protection plans that allow seniors to qualify for Medicaid while preserving savings and property.