A debilitating condition hurts
those you love the most

We ensure you have options to pay for extended care so your family has help caring for you.

Preserve life savings

Get Quality Care in the Setting of Your Choice

Protect Your Family

The issue is NOT the risk of you needing care

The issue is the severe consequences to your family’s well-being if you did need care

What would be the Emotional, Physical and Financial consequences to your family if you ever needed care and there was no plan?

Personal Consequences

  • If you ever need care, your life does not end
  • However, someone else’s “life” or “lifestyle” is going to end
  • Providing care to a chronically ill person often makes healthy caregivers chronically ill themselves
  • If a child has to step up, it will severely impact their life, causing major disruptions to their own family, career and friends

Financial Consequences

  • Paying for Long Term Care expenses “out of pocket” disrupts all previous financial commitments, resulting in a significant change to the family’s accustomed lifestyle

What is Extended or Long-Term Care?

  • It is NOT a place (Assisted Living Facility, Nursing Home, etc.)
  • It is NOT Insurance
  • It is a disabling event that happens as we age
  • Typically resulting from an accident, chronic illness or simply due to the “frailty of aging”
  • If not planned for, it will have severe consequences on the family’s well-being

When and Where Does Extended Care Begin?

Common Misperception

  • Old Age and in a Nursing Home
  • Completely incapacitated (flat on back, in a hospital bed and unable to do anything)



  • A Long-Term Care event typically starts much sooner
  • How many people do you know that were active, engaged, and healthy in retirement and then the next day were in a Nursing Home, unable to do anything?
  • Long Term Care typically starts with someone needing “standby assistance” with basic daily activities
  • Help getting out of a bed/a chair, safely taking a shower/bath, getting dressed, etc.
  • Without a plan, care is often defaulted to the spouse, children, or friends

Common Misperception

  • Only due to either an accident or chronic illness



  • People are living longer than ever before due to lifestyle changes and modern medicine
  • If you live into your 80’s, 90’s or even Age 100, It is reasonable to assume that simply due to the “frailty of aging” (loss of muscle mass, mobility, agility, and balance) you might need some “standby assistance” for a period of years

Don’t leave your family exhausted & overwhelmed

We create a plan that has them & you covered

We ask the right questions

We help you create a plan that


Hi, I’m Lynn

Here at Senior Resource Planning we understand that many people don’t feel the urgency to plan ahead.  However, we know what it feels like for families when you have not planned for the possibility of extended care.

I worked with patients in healthcare for over ten years as a Director of Rehabilitation. I met with these families on a regular basis and often they were in tears not knowing what to do.  

The healthcare system and options to pay for care are notoriously difficult to navigate, which can create unnecessary stress now and surprises later.

We combine all of our tools, knowledge, and professional networks to find you the BEST options to pay for extended care needs.

We provide custom plans utilizing solutions for which most people didn’t even know they had as options.

Your needs, wants, and concerns are always the primary focus.

Schedule a call today with my team and me to find out how to get started!


Let Us Take Care of Everything!

Obtain Access to the Best Care and Keep
the Financial Security You Deserve.

Schedule a
discovery call

To share your situation with us. We’re here to listen and guide you to make the best choices that fit your specific needs.

We’ll prepare a comprehensive plan

To help you plan for the future with long-term care options and strategies that will maximize your assets or become eligible for LTC Medicaid and apply.

Rest easy you have the right plan secured

The application process for long-term care plans and Medicaid is complex. You’ll be guided through it to make sure your plan is accepted.

Download Our Free Guides

Medicaid Do’s & Don’ts: 5 Critical Mistakes People Make When Applying For Medicaid

3 Strategies You Will Want To Know To Save You Thousands Of Dollars On Long Term Care

Feel at peace knowing you’re making the best, informed financial decisions for yourself or your loved one.

Nobody should lose their life savings to pay for their care. The right guidance can get you the best care without going broke or uprooting your life or the life of those you love.

Frequently Asked Questions

  • Medicare
  • Medicaid
  • Self-Pay
  • Long-Term Care insurance
  • Asset Based Long-Term Care Policies


  • Health Insurance Program (Entitlement for Ages 65+)
  • Red Tape
  • Must be confined to a hospital for (3) consecutive nights with a diagnosis
  • Must enter a Skilled Nursing Facility within (30) days with the same diagnosis
  • Must be receiving daily rehabilitative care (Physical, Occupational or Speech Therapy)


Maximum coverage is 100 days (which is “Short Term Care,” NOT “Long Term Care”)

  • Days 1 – 20 = Full cost covered
  • Days 21 – 100 = Daily deductible of $194.50 in 2022
  • Medicare Supplement often covers the daily deductible for Days 21 – 100


  • Care is received in a Skilled Nursing Facility, NOT in your home



Financial “means-tested”

Viable solution if you are too late to plan ahead

Red Tape

  • Unhealthy spouse can typically have a small sum of countable assets in their name ($2,000 – $3,000)


Spousal Impoverishment Prevention Coverage

  • Healthy spouse can keep half of the couple’s countable assets (subject to limitations)
  • In 2022- No less than $27,480 and no more than $137,400
  • Example: $1,000,000 of countable assets
  • Unhealthy Spouse can keep around $2,000 – $3,000
  • Healthy spouse can keep no more than $130,380
  • Remaining $859,600 will need to be spent down on Long Term Care expenses before the State will pay for any portion of care


Income = Name on the check rule

  • Unhealthy Spouse = Required to use their income to pay for the care
  • Healthy Spouse = Not required to use their income to pay for spouse’s care


5 Year “look back” period

  • Any cash/asset gifts or title changes within the last (5) years of applying for Medicaid will result in a “disqualification period”

Care is received in a Skilled Nursing Facility, NOT in your home

  • The good news is that if you are too late to plan ahead and have assets that need to be “spent” before qualifying for Medicaid we can help you with Medicaid compliant strategies to preserve those assets.  Don’t do anything until you speak with us first.


  • Default plan for most people
  • Long Term Care is a “new” expense that simply creates a monthly cash flow issue
  • Reduction in assets to pay for care reduces income (cash flow) and cash flow supports lifestyle
  • An additional $4,000 – $8,000+ per month of income will be needed to pay for care, without disrupting lifestyle
  • Other considerations with using assets (Taxes, Market Conditions, Liquidity, Lost Investment Opportunity)

Medicaid Do’s & Don’ts: 5 Critical Mistakes People Make When Applying For Medicaid


3 Strategies You Will Want To Know To Save You Thousands Of Dollars On Long Term Care

3 Strategies