About 52% of Americans turning 65 today will need long-term care, according to the US Department of Health and Human Services. While we don’t like to think about our health deteriorating to the extent that we need long-term care, it’s important that you plan for this possibility so you can avoid a Medicaid spend-down.

Our elder law attorneys Grand Rapids Mi offer their expertise in asset protection so you’ll have enough to pass onto your surviving spouse or children. Keep reading to learn why you should schedule your free consultation with one of our attorneys today.


When you choose to retire is up to you. However, retirement planning can help you determine whether you have enough savings and assets to last. Your Social Security retirement age will also determine when you can receive full benefits from the government.

If you were born in 1960 or later, your full retirement age is 67. The youngest you can retire (without risking Social Security eligibility) is 62. However, keep in mind that early retirement also comes with a permanent reduction to your monthly Social Security benefits. An elder law attorney can help you determine what retirement age is best for your unique circumstances. If you’re still unsure when you should retire, call today to schedule a consultation with one of our elder care lawyers.

To determine your ideal retirement age, ask yourself the following questions:

  • What is your expected lifespan?
  • How long did your parents live?
  • Are you currently independent and healthy?
  • Are you still working after retirement?
  • Could you continue to work after retirement?
  • What’s the expected rate of return on your current investments?
  • Considering inflation, what will be your cost of living after retirement?


Over half of Americans, age 65 will need long-term care at some point in their lives. While no one likes to think about needing long-term care, it’s important that you talk with an elder care attorney now to determine the best asset protection strategies and Medicaid plans.

Retirement planning is designed to make sure you get the care you need if your health deteriorates, while still protecting the assets you spent a lifetime to build. If you’re approaching retirement, you and your loved ones will have peace of mind if you have a long-term care plan in place.


If you’re trying to plan ahead for long-term care, know that you have plenty of resources. The Law Offices of Sean Patrick Cox understands long-term care and the many insurance plans available for your particular needs. Before making a hiring decision, it’s important you find a lawyer who has experience with elder law Grand Rapids Mi. A general attorney won’t be able to offer you the same level of expertise and insight to your case.

If you’re looking at things like MedicaidMedicare, or long-term care insurance, schedule your free consultation with one of our lawyers in Grand Rapids or Kalamazoo to learn more about your options. We look forward to hearing from you!