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Protecting Yourself from Nursing Home Costs
On Friday, October 2, I spoke to the members of the Arc of Northern Virginia on “Medicaid Planning for Seniors”. Did you know that if you do not have long-term care insurance or not enough coverage, your retirements and savings may be wiped out by the cost of long-term care? The healthier spouse may be left destitute with not enough resources for his/her own need of future care.
For example, a nursing home semi-private room in the DC metro area costs an average of almost $11,500 per month. A private room is almost $12,500. This according to the Genworth Annual Cost of Care study.
The average stay in a skilled nursing facility is 835 days, a little more than two years, according to the National Care Planning Council. However, Medicare only pays for your first twenty days.
That's why it is vital to plan a legal strategy that allows you to get the long-term care that you need in a high quality nursing facility without becoming impoverished.
Fortunately, there are legal steps you can take to make sure you can receive the nursing home care you may one day need, but the key is planning.
Priority #1: You need to make sure that your estate planning documents includes options for Medicaid planning.

Priority #2: Then, you may consider establishing a Senior Asset Protection Trust, an irrevocable trust that protects your assets as well as the income and interest you will receive from the trust.
The above steps have their own benefits and risks. We cover more in a new complimentary online seminar on Saturday October 10, 2020 at 11:30 am. Details are below. We hope you will join us!

If you have questions about how nursing home costs may affect you, please don't hesitate to contact us.

Our Next Online Seminars

These will be held online until we return to normal:
Estate Planning in Plain English:
Why it's Critical to Your Loved Ones

October 10, 2020
10:00 am - 11:00 am

Learn how to avoid family clashes, court battles and undue taxes! Control how your assets will be preserved and distributed. Protect your wealth and your retirement.
Protecting You from Nursing Home Costs

October 10, 2020
11:30 am - 12:00 pm

Long-term care can quickly drain your lifetime of savings. Learn steps to take to get the care you need while avoiding impoverishment!

You may register for both online seminars if you choose.

You may also contact Annabel at (703) 448-6121 or via email to register.
Personal and Professional Notes
How to Enter an Online Seminar
Does entering an online seminar seem difficult? It doesn't have to be. Please click on the photo for instructions. Also, if you would like to do an online seminar run-through, please contact us at
Lauren Spradlin is coming back from her maternity leave on October 13, 2020. We welcome baby Aria!

Patty Davis is excited that her eldest son, Chris, serving in the US Marines, visited her before his new assignment in Connecticut after having spent several years in Italy.
Baby Aria
Kyla Cumberland is your new point of contact for the elder law department. She has a BA in English and French from St. Mary’s of Maryland and a background teaching English as a Foreign Language in France. She was raised in Northern MD!

Herani Bekele has joined the Miorini Law firm to assist with work overflow. She has a BA from George Washington University in International Affairs, Global Public Health.

Yahne is working remotely from the Outer Banks in North Carolina the first week of October.

Maya Khachab is taking few weeks off to prepare her college applications while studying for her senior year at George Marshall High School.

Annabel Edelman has moved to England and works remotely.

Savita Keidel has ended her internship and returned to Phillips Exeter Academy for her senior year of high school.
Herani Bekele
Maya Khachab
Savita Keidel