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How to Protect Your Family In Case of Your Illness or Death

During our webinar, we discuss family home protection, avoiding nursing home poverty, preventing family feuds, protecting your kids' inheritance, and how you can keep the government out of your affairs.

Watch our webinar now
Home » Elder Law » The Truth About Long-Term Care That Most Retirees Don’t Hear Until It’s Too Late

The Truth About Long-Term Care That Most Retirees Don’t Hear Until It’s Too Late

July 21, 2025Asset Protection, Elder Law

⏱ Takes 6 minutes to read—could save your home, your savings, and your peace of mind.

When most people plan for retirement, they picture the good life—travel, hobbies, and time with loved ones. But few prepare for the stage that often comes next: when age catches up, health declines, and the cost of care skyrockets.

Here’s the part no one tells you:
Over 50% of seniors will need long-term care, and more than one-third will end up in a nursing home.

But unless you’ve taken very specific steps in advance, you could lose everything you’ve worked for—your home, your savings, and your legacy.

That’s why you need to join us LIVE, in person, on Tuesday, August 5th in Inglewood.
Reserve your seat now

Medicare Won’t Cover What You Think It Will

It’s one of the most dangerous myths in retirement:
“If I ever need care, Medicare will cover it.”

Wrong.

Medicare only covers medical care—not custodial care (the day-to-day help you actually need when aging takes hold). That includes:

  • Help with bathing, dressing, and eating

  • In-home caregivers

  • Assisted living

  • Long-term nursing home care

These costs fall directly on you or your family—unless you plan ahead.

On August 5th, we’ll show you how to avoid this trap entirely.
Claim your seat here before it’s gone.

How Much Does Long-Term Care Cost in California? Too Much.

According to the 2024 Genworth Cost of Care Survey:

  • Nursing home (private room): $180,000+ per year

  • Assisted living: Over $88,000 per year

  • Home health aide: Similar costs—and rising fast

Even families with strong savings can’t absorb these expenses for long.

Medi-Cal Can Help—But Only If You Know the Rules

California’s Medi-Cal program does cover long-term care—but many people wrongly assume they won’t qualify.

Here’s what most don’t realize:

  • As of 2024, there’s no longer an asset limit for long-term care Medi-Cal

  • You don’t have to spend down your life savings

  • Medi-Cal can step in to cover care, even in high-cost nursing homes

BUT—after you die, Medi-Cal can come after your estate.

That’s right: Your home, your savings, even your family’s inheritance can be taken back by the state.

Unless… you act now.

On August 5th, we’ll show you exactly how to use the law to protect what’s yours.
RSVP now—it’s filling quickly

Your Best Protection? A Nursing Home Asset Protection Trust

One of the most effective legal tools available today is the Nursing Home Asset Protection Trust—a specialized irrevocable trust that:

✅ Moves your home and savings out of Medi-Cal’s reach
✅ Still allows you to receive income from your assets
✅ Preserves your legacy for your loved ones—not the government

But timing is everything. Once you lose capacity, it’s too late to implement this plan. You must act while you still can.

You Have a Window. It’s Closing.

This isn’t just about documents—it’s about dignity. It’s about keeping control of your future. And most of all, it’s about ensuring your family doesn’t have to scramble, argue, or sell your home just to pay bills you didn’t see coming.

✅ If you’re over 50, own a home, or care about protecting what you’ve built—this live seminar is essential.

Tuesday, August 5th
Inglewood, CA | Hosted by Collins Law Group

️ Click here to reserve your in-person seat now.

  • Author
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Caprice Collins
Caprice Collins
Attorney Caprice L. Collins is a top rated Harvard Law School graduate. She has 34 years of legal experience with a successful law practice devoted exclusively to Estate/Business Planning and Trust Administration. Attorney Collins is a well-respected keynote speaker on Wills, Living Trusts, Estate Planning, Business Planning and Trust Administration. She has appeared on California’s Real Estate Radio Station KTLK AM 1150 as a legal expert on Estate Planning and Living Trusts among many other notable media appearances Read More!
Caprice Collins
Latest posts by Caprice Collins (see all)
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  • Father’s Day Wisdom: If You Can’t Speak, The System Speaks For You - June 8, 2026

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Client Review
August 19, 2020
    

“My mother told me about the Collins Law Group and I must say, the entire experience has been a real pleasure. Although I was nervous at first, the Collins Law Group staff put me at ease with their friendliness and knowledge. I didn’t realize how hard it could be on your family and loved ones left behind if you die without any planning or directions in place for them. My biggest concern was making sure my elderly mother would be provided for and taken care of if something happened to me. I have been a caregiver for her for 12 years, so this planning was crucially important. I had previously made a living trust for myself on Legal Zoom but there is no comparison to the level of service and professionalism that Collins Law Group embodies. Attorney Collins and her staff provides excellent service and it will take a large burden off of my family when they need guidance at the time of my passing.”

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-Ms. Jones

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