Long-Term Care Planning
Medicaid Institutional Program (ICP)
Medicaid Crisis Planning
Veteran's Benefits

Elder Law

Gary L. White, Esq.


Long-Term Care Planning for Florida Residents

The average cost of a private room in a Florida nursing home is $9,148 per month. That’s nearly $110,000 per year. There are three ways a resident and his or her family can manage these costs:

  • Private pay

  • Long term care insurance

  • With assistance from a public benefits program such as Medicaid


Private pay for even a relatively short-term stay in a nursing home can put a serious dent in your savings, but long-term residence can wipe out your assets. This is especially problematic when one spouse requires long-term care, but the other must continue to support day-to-day life at home.

Fortunately, you have options for protecting your assets while preserving access to the medical care and living assistance you may need in the future. However, fully protecting yourself and your family requires advance planning.

Medicaid Institutional Care Program (ICP)

The Medicaid Institutional Care Program (ICP) helps people who require skilled or intermediate care in a nursing facility to cover the costs of that care. The program also provides general medical coverage, and there is no limit on the duration of the coverage.

The person requiring long-term care must still establish financial eligibility, and at first glance the limits are stringent. However, the treatment of income and assets and the options for becoming Medicaid-eligible are more complex than you might imagine. An estate planning attorney who is experienced in Medicaid planning can:

  • Help you determine which assets are exempt in the eligibility calculation

  • Assess which assets may be transferred, and to whom, without impacting eligibility

  • Determine whether a Medicaid Asset Protection Trust and/or a Qualified Income Trust (QIT) will be necessary


Many people are surprised to discover how much assets can be retained while receiving long-term care assistance from Medicaid.

But, transfers made shortly before becoming eligible, applying, or entering the nursing home facility draw special scrutiny, and can trigger a period of ineligibility. In fact, certain types of transfers made up to five years prior to applying can impact eligibility. Therefore, it is in your best interest not to wait until your health is failing to seek guidance on Medicaid eligibility. The earlier you begin to plan, the more options you will have for protecting your assets.

Medicaid Crisis Planning

Although it is best to plan ahead, not everyone has that luxury. Attorney Gary L. White and his team has extensive experience in Medicaid crisis planning for long-term care. If you or a loved one is currently sick or debilitated and requires assistance immediately, we can help.

Veteran’s Benefits

The Aid and Attendance Pension Program allows veterans and survivors who are eligible for a veteran’s improved pension to claim additional financial support to assist with un-reimbursed medical expenses.  However, like Medicaid, these Veteran’s Administration (VA) benefits are subject to income and “net worth” eligibility. Thus, securing eligibility for these benefits requires strategic asset management.

An Experienced Elder Law Attorney Can Help Protect Your Future

Good planning is the key to a secure future, from providing for your loved ones after your death to ensuring that your wishes are carried out if you need medical care after becoming incapacitated. An estate planning attorney with experience in elder care issues can help you assess your current situation and potential future needs and create the structure that best protects your interests.

You can get started right now. Just schedule a consultation with attorney Gary L. White.

Have Questions? Please Visit Our "Contact Us" Page To Submit Your Query.


The information on this website is for general information purposes only. Nothing on this site should be taken as legal advise for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute, an attorney-client relationship.


Mon - Fri: 9am - 5pm

​​Saturday: Closed

​Sunday: Closed

Elite Estate Planning

2000 Glades Rd Suite 208

Boca Raton, FL 33431

© 2019 Elite Estate Planning. All Rights Reserved.

Website & Marketing by: