
Harbor Disability Law
Elder Law and Long Term Care Planning
Documents alone are not a plan.
What We Do
Elder law and Medicaid planning help protect your life savings while ensuring you receive the care you need as you age. These services go far beyond basic estate planning to address the unique challenges older adults and their families face.
Key Services We Provide
Medicaid Planning & Asset Protection
We help you qualify for Medicaid benefits to pay for nursing home or assisted living care while legally protecting your assets. This includes strategies to preserve your home, savings, and other resources for your spouse or heirs rather than spending everything on care costs. We can often help even in crisis situations when nursing home care is immediately needed. We will also help you identify an VA benefits that may help pay for care. We draft Qualified Income Trusts (QIT's), Medicaid Asset Protection Trusts (aka 5-year trusts), Personal Service Contracts, Real Estate Deeds, and a variety of other legal instruments to help you qualify for Medicaid and protect your life savings and home.
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Long-Term Care Planning
We develop comprehensive plans for future care needs, including reviewing long-term care insurance options, explaining Veterans benefits for those who qualify, and creating strategies to pay for care without depleting family resources.
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Special Needs Planning
For families with disabled children or adults, we create special needs trusts that protect beneficiaries' eligibility for government benefits while providing supplemental support for their care and quality of life.
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Estate Planning with Elder Law Focus
Beyond standard wills and trusts, we create documents specifically designed to address aging issues, including:
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Revocable living trusts to avoid probate and manage assets during incapacity
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Irrevocable trusts for asset protection
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Enhanced life estate deeds ("Lady Bird Deeds") to protect the family home and other real estate
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Durable powers of attorney for finances and healthcare with specific planning language (Internet forms won't work!)
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Living wills and healthcare surrogate designations
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Medicaid Applications & Appeals
We handle the complex Medicaid application process, ensuring all documentation is properly prepared and submitted. If benefits are denied, we represent you in appeals and hearings.
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Elder Abuse & Exploitation Protection
We help protect vulnerable seniors from financial exploitation, work to recover stolen assets, and pursue legal remedies against those who take advantage of older adults.