If you are 65 or older, then you are part of a rapidly growing population. According to the 2020 Census, one in six Americans is over 65, with this age group increasing five times faster than the general population between 1920 and 2020. In Texas, this demographic shift brings specific challenges and opportunities that are important to understand. While planning for long-term care and retirement, knowing the current standards is vital for success.
In response to the needs of the aging population, 16 federal agencies collaborated to release Aging in the United States: A Strategic Framework for a National Plan on Aging. Published by the U.S. Department of Health and Human Services’ Administration for Community Living in May 2024, this report provides a roadmap to improve the quality of life for older Americans. The plan focuses on coordinated policies, innovative programs, and sustainable support systems to ensure that seniors age with dignity.
FOUR DOMAINS OF THE NATIONAL PLAN ON AGING
The National Plan on Aging outlines a comprehensive strategy to address the diverse needs of the growing senior population in the U.S. Central to this plan are four key domains, each designed to ensure that older adults age with dignity, independence, and access to necessary resources. These domains focus on creating age-friendly communities, improving housing and supportive services, expanding access to long-term care, and aligning health care with the needs of seniors. Together, they provide a roadmap for enhancing the quality of life for seniors nationwide, including those in Texas.
Age-Friendly Communities
This domain emphasizes creating communities that promote the health, well-being, and social inclusion of seniors. Texas cities contribute by improving access to transportation, encouraging social connections, and creating employment opportunities for older adults.
Coordinated Housing and Supportive Services
Since many seniors in Texas prefer to age in place, the availability of affordable and accessible housing is essential. This domain calls for collaboration between federal, state, and local governments to ensure seniors have access to safe housing and in-home care services.
Enhanced Access to Long-Term Services and Supports (LTSS)
With the growing need for long-term care in Texas, this domain focuses on providing affordable, high-quality services. Texas residents may benefit from improved Medicaid LTSS options and increased support for both paid and unpaid caregivers.
Integrated Health Care and Supportive Services
Coordinating health care and supportive services is key to improving health outcomes and preventing diseases in older adults. This alignment helps Texas seniors access the resources they need to age well in their communities.
TEXAS-SPECIFIC CONSIDERATIONS FOR AN AGING POPULATION
As Texas experiences a rapid increase in its aging population, unique challenges and opportunities arise that require careful planning and consideration. The state’s legal and healthcare systems offer specific benefits and protections designed to support seniors as they age, but navigating these resources can be complex. From estate planning to understanding long-term care options, Texas seniors and their families must be informed to make the best decisions for their future. By addressing these Texas-specific factors, individuals can better prepare for the financial, legal, and healthcare needs that accompany aging.
Estate Planning
As Texas is a community property state, estate planning requires careful consideration to ensure that assets are managed in accordance with both state and federal laws. Including long-term care and Medicaid planning in your estate plan helps protect your assets and secures the care you may need.
Homestead Protections
Texas offers strong homestead protections that safeguard your primary residence, even if long-term care is necessary. These protections are important for those planning to age in place.
Medicaid and Long-Term Care
Texas offers several Medicaid programs to assist with long-term care costs. Understanding eligibility requirements and how to protect your assets from Medicaid recovery is essential for preserving your estate.
Planning for Retirement in Texas
Whether you’re entering retirement or planning for long-term care, Texas law provides unique opportunities and protections. Consulting with an experienced elder law attorney helps you explore Medicaid planning, estate protection, and other strategies to ensure a secure and fulfilling retirement.
CONSULT WITH AN ELDER LAW ATTORNEY TODAY
Planning for your future as you age is one of the most important steps to protect yourself and your loved ones. This is especially important here in Texas where laws can be complex. Consulting with an experienced elder law attorney ensures that you have the right guidance to navigate Texas-specific legal protections, like homestead exemptions and community property rules. Whether you’re looking to secure your assets, plan for long-term care, or ensure your wishes are honored, I’m here to help you create a tailored plan. Reach out today to safeguard your future with peace of mind.
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.