Planning for Senior Benefits in Texas: The Basics

Aging is inevitable and, unfortunately, aging is also expensive. For many people, getting older means acquiring more medical needs and different life circumstances. Many of our clients, for example, transition to long-term care facilities or nursing homes once they get older. Planning financially for whatever might come your way can be tough, and as experienced elder law attorneys, we cannot underestimate the importance of making sure you are prepared for your elder years.


The state of Texas offers Medicaid for people who are elderly or have disabilities. The insurance covers long-term care services as well as basic health coverage. Individuals who are 65 and have limited financial resources qualify for Medicaid; meanwhile, those who are under 65 and think they might qualify can start gathering their necessary documents to submit when they do turn 65. More details about how to apply for Medicaid can be found here.

Long-Term Care Planning

Importantly, Medicaid covers long-term care, such as the cost of a nursing home, while Medicare does not. For those who do not qualify financially for Medicaid, Medicare will likely be the health insurance available at the age of 65. Given that Medicare does not cover the cost of long-term care, older individuals without Medicaid are left to pay for nursing homes out of pocket.

The cost of a private room in a Houston nursing home often amounts to more than $90,000 per year, and the price is rising as time goes on. Knowing this information, it is important to look at your financial circumstances and make a plan: will you apply for Medicaid, or will you fund a nursing home privately?

If you are wondering whether now is the right time to start thinking about your long-term care plan, the answer is most certainly yes. Too often, we see clients that put this kind of financial planning off, and unfortunately, they tend to suffer the consequences. By speaking with a Houston elder law attorney about your options as soon as possible, you can figure out how to set yourself up for success down the road. Similarly, if you have a family member that is aging or elderly, we recommend setting up a consultation with your family member and an elder law attorney so that you can ensure you are looking out for your loved one’s best interest.

Are You Looking for a Houston Elder Law Attorney for You or Your Family?

If you or a loved one need a Houston estate law attorney, contact McCulloch & Miller for a consultation today. Our team of attorneys specializes in providing empathetic, thorough representation and advice for our clients. We understand that while the topic of aging is never fun to discuss, it is also important to plan for, and our Houston elder law attorneys are proud to walk with clients through this important phase of life.

For your consultation with a trusted and experienced attorney, call us today at 713-597-7176. You can also fill out our online form to have an attorney reach back out to you as soon as possible regarding your elder law issue, estate plan, trust, or senior benefits plan.

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