Are You Prepared for
Long-Term Care Costs?

Did you know that 70% of people over the age of 65 will require long-term care at some point in their lives? The cost of care can be overwhelming, with the average cost of nursing home care in New York exceeding $175,000 (change to $200,000) per year. Without a proper plan, these expenses could quickly deplete your savings and put your family’s financial security at risk.

Are You Prepared for
Long-Term Care Costs?

Did you know that 70% of people over the age of 65 will require long-term care at some point in their lives? The cost of care can be overwhelming, with the average cost of nursing home care in New York exceeding $175,000 (change to $200,000) per year. Without a proper plan, these expenses could quickly deplete your savings and put your family’s financial security at risk.

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Understanding Long-Term Care Costs and Medicaid Planning

Watch this short video to understand how Medicaid planning can protect your assets and secure your family's future.

The Problem:
High Cost of Long-Term Care

As healthcare costs rise, many families are faced with the reality that their loved ones will need extended care. Whether it’s in-home assistance, or nursing home care, the costs add up quickly.

The Average Costs

  • Nursing Home Care: $15,282* per month, $183,384 per year
  • In-Home Care: $35 Per Hour**, $280 a day (8-hour care), $102,200 a year.

Without proper planning, these costs can devastate your financial future, leaving your loved ones to make difficult decisions.

*What New York State believes a nursing home costs in 2026 New York City (psst, we think its more like $16,000- $22,000 a month!)

** According to a Genworth Study

The Solution:
Medicaid Planning with Miller & Miller

There are three ways to pay these costs:

  1. Privately
  2. Long-Term Care Insurance
  3. Medicaid

Medicaid is a government program that can help cover the cost of long-term care, but qualifying for benefits isn’t easy. Strict income and asset requirements, combined with complex rules, can leave families unsure of how to proceed. This is where we come in.

At Miller & Miller, we assist in Medicaid planning and Elder Law. Our goal is to help you:

  • Qualify for Medicaid benefits without losing your assets.
  • Protect your home and savings from nursing home costs.
  • Create a long-term care plan that gives you peace of mind.

The Problem:
High Cost of Long-Term Care

As healthcare costs rise, many families are faced with the reality that their loved ones will need extended care. Whether it’s in-home assistance, or nursing home care, the costs add up quickly.

The Average Costs

  • Nursing Home Care: $14,273* per month, $171,276 per year
  • In-Home Care: $34 Per Hour**, $272 a day (8-hour care), $99,280 a year

Without proper planning, these costs can devastate your financial future, leaving your loved ones to make difficult decisions.

*What New York State believes a nursing home costs in 2024 New York City (psst, we think its more like $15,000- $22,000 a month!)

** According to a Genworth Study

The Solution:
Medicaid Planning with Miller & Miller

There are three ways to pay these costs:

  1. Privately
  2. Long-Term Care Insurance
  3. Medicaid

Medicaid is a government program that can help cover the cost of long-term care, but qualifying for benefits isn’t easy. Strict income and asset requirements, combined with complex rules, can leave families unsure of how to proceed. This is where we come in.

At Miller & Miller, we assist in Medicaid planning and Elder Law. Our goal is to help you:

  • Qualify for Medicaid benefits without losing your assets.
  • Protect your home and savings from nursing home costs.
  • Create a long-term care plan that gives you peace of mind.

The Stakes:
Don't Leave Your Future to Chance

  • Losing your savings to cover nursing home costs.
  • Leaving your spouse or family without financial security.
  • Facing denial or delays in receiving Medicaid benefits.

The Solution:
How We Can Help You

  • Evaluate Your Situation
  • Medicaid Eligibility Planning
  • Asset Protection Strategies
  • Medicaid Applications

Success Story

How We Helped One Family Save Their Home

A client and her family came to us five years before their mother was admitted to a nursing home. We were able to help them create a Medicaid Asset Protection Trust, ensuring the family home was protected while still qualifying for Medicaid. After their mother went into a nursing home, Medicaid paid $342,000 toward the cost of her care. The family paid $0 for the nursing home and that $342,000 went to the family instead of the nursing home.

What People Are Saying About Us

Do I need a trust or just a will? Just one of many questions I discussed with Daniel Miller at the beginning of my estate planning journey. What started out as a daunting task (in my mind) became easy and stress-free under Mr. Miller’s guidance. Every step of the way I felt well-informed and comfortable asking questions. I would recommend him to anyone looking for a top-notch estate planning attorney – and in fact have already referred a friend to him, which is the greatest compliment I can give him.

Janice Heinemann

Exceptional firm that streamlines the process of estate planning and provides a highly professional product. Daniel goes the extra mile to capture the intent of his clients and thoroughly reviews all the documents with you after they are prepared. Highly recommended!!

Noel Goddard

My husband and I used Daniel and his firm for our will and estate planning. Daniel’s attention to detail made sure that everything was included and covered so that we can prevent any confusion and problems in the future. Making a will can be a morbid experience, but Daniel did not make it feel that way. All of his personal touches during the process made us feel appreciated as clients. I highly recommend Miller & Miller Law Group.

Mellisa Anderson

Daniel Miller and his team are truly amazing. The care, the transparency, and attention to detail they displayed was unlike anything I’ve ever seen from an estate law firm. We are very fortunate that we went with Dan to complete our estate planning, and I recommend anyone who wants a true advocate for their family to have Dan and his team be in their corner.

Kris Sykes

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Miller & Miller Law Group, PLLC helps families in Brooklyn and Rockville Centre, NY with elder law, estate planning, Medicaid planning, probate, and trust administration—protecting assets, planning ahead, and supporting loved ones when it matters most.
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