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exploring long-term care

Research shows that many adults 65 and older will require long-term care during their later years. With millions of Baby Boomers aging and living longer, the scope of exploring long-term care options has transformed significantly.

However, addressing the challenges of supporting a growing senior population comes with numerous obstacles. This includes potential policy changes, enhancements in healthcare resources, technological innovations, and more.


  • Aging Population – The U.S. is undergoing a rapid rise in its elderly population, primarily due to the Baby Boomer generation approaching retirement. Forecasts suggest that by 2050, the number of individuals aged 65 and above will surge to 82 million. Based on this estimate, a growing demand for long-term care services has quickly become evident.
  • Increased Demand – As the population of older adults continues to rise, exploring long-term care solutions has never been more important. These solutions encompass a range of options including nursing homes, assisted living facilities, and home healthcare services. As a result, the demand for top-tier care within these environments is putting additional strain on our healthcare system.
  • Struggling Workforce – A shortage of healthcare professionals, spanning from caregivers to nurses and doctors, could potentially worsen in years to come. High demand is already stretching the current workforce thin, impacting both the accessibility and standard of care.
  • Rising Costs – The majority of long-term care solutions come with hefty price tags, posing financial challenges for individuals seeking necessary services. Medicaid often serves as the main source of funding for long-term care among seniors. However, the expenses associated with Medicaid also strain state budgets considerably. To alleviate this burden, federal and state authorities must explore alternative funding approaches.
  • A Shift to Home-Based Care – More and more elderly individuals are opting for in-home care over institutional arrangements. To accommodate this preference, there is a growing need for advancements in technology and telehealth to support and enhance home-based care services.
  • Community-Based Services – Besides home-based care, various services for older adults are primed for expansion. A few examples include transportation aid, meal delivery, and social engagement initiatives, all essential for supporting safe aging in place.
  • Technological Advancements – Technology remains a critical factor in shaping the future of long-term care. Cutting-edge advancements such as remote monitoring devices, robotics, electronic health records, and artificial intelligence have great potential to optimize the effectiveness and quality of health care.
  • Policy and Regulation Changes – More than ever before, policymakers are acknowledging the importance of long-term care reform. Efforts are primarily directed toward broadening insurance coverage choices, enhancing workforce training and assistance, and enforcing strict quality standards.
  • Caregiver Support – Today, family caregivers are the primary providers of long-term care across the United States. Therefore, it is vital to recognize and support the requirements of these caregivers, including resources, respite care, and financial aid.
  • Declining Birth Rate – The declining number of younger individuals entering the workforce and contributing to the tax system poses a challenge for state and federal governments. This trend makes it increasingly difficult to secure the necessary funding for growing long-term healthcare demands.


Elder law attorneys possess a deep understanding of the complexities involved in long-term care planning. Assessing expenses and formulating payment strategies ahead of time is paramount, making legal guidance highly necessary. To help you prepare, attorneys may propose various strategies including:

  • Personal savings plans
  • Reverse mortgages
  • Private insurance coverage
  • Government-funded programs

Protecting Your Assets

Long-term care expenses are often overwhelming for families today. For example, by late 2023, the average monthly cost of a semi-private room in a nursing home approached nearly $9,000.

To protect your assets from being depleted by long-term care expenses, an elder law attorney can leverage various legal instruments that preserve your wealth. This may involve establishing trusts or transferring assets to become eligible for government assistance programs.

Medicaid, a joint federal and state initiative, provides long-term care coverage for individuals with limited means. Elder law attorneys possess in-depth knowledge of the Medicaid application process and can assist you in navigating it. Additionally, they can also guide you in fulfilling the state-specific criteria necessary for qualification.

Initiating Advance Health Care Directives

Long-term care frequently includes preparation for significant healthcare choices. Outlining an advance healthcare directive is just one crucial aspect of this process. Advance healthcare directives encompass critical documents, such as a durable power of attorney for health care or a living will.

Through this directive, you can state your specific healthcare preferences and authorize a trusted individual to make medical decisions on your behalf if you are otherwise unable to.

Establishing a Guardian or Conservatorship

When a person becomes unable to make decisions independently, an elder law attorney can then assist with guardianship proceedings. In some states, this appointed position is also known as a “conservatorship.”

Once designated, the guardian or conservator can make financial, medical, and personal choices for the incapacitated individual. Children of elderly parents may decide to become legal guardians for the health, safety, and comfort of their loved ones.

Securing Long-Term Care Benefits for Veterans

For military veterans and retired service members, a qualified elder law attorney can be invaluable. They can guide you through accessing available programs tailored to meet long-term care requirements, as well as other options encompassing Aid and Attendance benefits.

Understanding Nursing Home Contracts and Resolving Disputes

If you are considering moving into a nursing home or assisted living facility, it is recommended that you consult with an elder law attorney. Assessing contracts, clarifying rights and responsibilities, and addressing potential issues are just a few ways that legal experts can assist you.

Additionally, your attorney can help resolve any disputes with care providers over quality of care issues or elder abuse allegations. In cases of elder abuse, attorneys will advocate for your loved one’s interests and pursue legal action if neglect has occurred.


An elder law attorney with expertise in long-term care planning can help you understand the intricacies of your state’s laws and regulations. They offer tailored guidance for your individual situation, helping you to make well-informed decisions.

Effective planning protects your interests and guarantees suitable arrangements for long-term care. Initiating a thorough care strategy early on also enhances your likelihood of securing quality care while safeguarding your assets. This not only benefits you at the end of your life but also provides peace of mind for your loved ones.

Furthermore, to continue exploring long-term care services and planning, check out these additional resources:

Bromlow Law, PLLC and Laura L. Bromlow, are dedicated to the practice of Elder Law and Estate Planning. Our practice focuses solely on working with clients in these and closely related legal fields. Laura L. Bromlow is a Certified Elder Law Attorney with the National Elder Law Foundation. Bromlow Law, PLLC strives to enhance communication among family members and loved ones and to keep them all out of conflict so they can stay out of court. We want to help you keep your close circle safe!

Please contact our office today at (281) 665-3807 to schedule a free consultation to discuss your legal matters. We look forward to the opportunity to work with you.

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