Now offering virtual consultations for clients across the state. Schedule yours →
Lotus Estate Planning & Elder Law
Service · Elder Law

Aging with dignity, and a plan that protects everyone.

Medicaid planning, long-term care strategies, and asset protection, for the moments families don't see coming and can't afford to face alone.

Senior parent and adult child
How We Help

Six ways we move families forward.

Each piece of elder law has its own timing, its own paperwork, and its own pitfalls. Here's where we focus.

Medicaid Planning

Eligibility analysis, asset restructuring, and the timing strategies that determine whether a family keeps their savings or loses them to care costs.

Long-Term Care Planning

Strategies that pair your assets, insurance, and family resources with the level of care you'll likely need, without burning everything down to qualify for help.

Asset Protection Trusts

Irrevocable trust structures designed to protect a primary residence and savings while preserving access to public benefits when the time comes.

VA Benefits & Aid & Attendance

Help wartime veterans and surviving spouses access Aid & Attendance, a benefit many families qualify for and few claim.

Guardianship & Conservatorship

When capacity is already lost, we petition the court carefully and quickly to put the right person in charge, and often help families avoid this through advance planning.

Crisis & Spend-Down Planning

When a parent is already in crisis or in care, there's still meaningful planning available. We move quickly and protect what's still protectable.

When To Call

If any of these are happening, it's time.

Most families wait too long. Even one of these signals is worth a conversation.

A parent has received a serious or progressive diagnosis (Alzheimer's, Parkinson's, ALS, severe stroke).

A parent is moving into assisted living, memory care, or a nursing home.

You're starting to spend down savings on home health aides or care.

You're a wartime veteran or surviving spouse and don't know what VA benefits you qualify for.

Someone has been told they need guardianship for a parent, or the family is fighting about it.

"
My mom's diagnosis came on a Tuesday. By Friday we had a plan that protected her care, my dad's house, and three decades of careful saving. I will never not recommend Lotus.
Rachel D.
Crisis Medicaid planning
Common Questions

Elder law, demystified.

Is it too late to plan if my parent is already in care?+
Almost never. Crisis planning is harder than proactive planning, but there are still meaningful protections available, especially for a healthy spouse. The earlier we look, the more options exist.
What is the Medicaid five-year lookback?+
When you apply for long-term care Medicaid, the state reviews five years of financial transactions. Gifts or transfers in that window can trigger a penalty period. The fix isn't to avoid Medicaid, it's to plan early and document carefully.
Can I just give my house to my kids?+
Almost always a bad idea. It triggers Medicaid lookback issues, loses you the capital gains step-up, and exposes the home to your kids' divorces and creditors. There are far better, safer ways to protect your home, and the right approach depends on your situation, something we can walk through together.
Do I have to be poor to qualify for Medicaid?+
No. Medicaid has complex asset and income rules with significant exemptions and spousal protections. With proper planning, families with substantial savings can still qualify when care is needed.
Begin When You're Ready

Don't let a diagnosis make the decisions for you.

A no-pressure first meeting to see if we're the right fit.

Schedule a consultation