The cost of nursing-home care is the single biggest threat to most families’ savings. In Rhode Island, nursing-home care now averages roughly $10,000 a month — over $120,000 a year — and in Massachusetts a shared room runs over $13,500 a month, with private rooms substantially more. That’s enough to drain decades of careful saving in just a few years. Many families assume there’s nothing they can do but spend down everything before Medicaid steps in.
There’s often more you can do — especially if you plan ahead.
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How we help
We help families protect what they’ve worked for while planning, lawfully and properly, for the possibility of long-term care. Depending on your situation, that may mean:
- Planning ahead (pre-planning): Using a Medicaid Asset Protection Trust (MAPT) to protect assets in advance of the look-back period, so they’re shielded if care becomes necessary later.
- Crisis planning: If a loved one needs care now, there are still lawful strategies to preserve a meaningful portion of what you’ve saved and move toward eligibility. It is rarely too late to do something.
Medicaid Asset Protection Plan
Pre-planning · starting at $7,500
A specialized irrevocable trust designed to protect your home and savings from long-term care costs while you plan ahead. Includes a Medicaid Asset Protection Trust, certificate of trust, one deed, durable financial power of attorney, durable healthcare power of attorney, a will, and funding instructions.
Crisis planning
Quoted at your consultation
When care is needed now, every situation is different — the right strategy depends on your assets, your timeline, and your family. We’ll assess your situation and quote a clear, flat fee before any work begins — usually less than the cost of a single month of nursing-home care.
Timing is everything
Medicaid’s look-back period means the best protection comes from planning before you need care. But even in a crisis, it’s rarely too late to do something. The worst move is assuming nothing can be done.
A former Probate Judge who knows how these cases really go
This is the kind of planning where experience and timing make all the difference. Attorney Matthew Fabisch brings the perspective of a former Rhode Island probate judge — he has seen, up close, what happens to families who didn’t plan, and builds plans designed to avoid exactly that.
Want the full background first?
Our in-depth guide explains the rules, the look-back period, and your options in plain English: The Essential Guide to Medicaid Asset Protection & Nursing-Home Planning →
Pre-planning starts at the price shown. Because crisis and pre-planning situations vary widely, your exact fee is quoted in a written proposal after we understand your circumstances.