Elder Law

Life’s unpredictability can lead to unexpected healthcare needs, placing significant financial strain on individuals and families. At Rupp Pfalzgraf, a New York-based law firm, we concentrate in Elder Law to help clients efficiently navigate these challenging circumstances.

Medicaid Planning for Long-Term Care

The cost of long-term care continues to rise, and most families are unprepared for the financial impact. Medicaid remains one of the only public benefits programs that covers the full cost of nursing home care, but qualifying is far from simple. The process involves rigorous asset and income limits, documentation requirements, and a five-year lookback period on transfers, each of which can cause significant delays or penalties if not managed correctly.

Our team offers proactive Medicaid Planning services to ensure your assets are protected and your eligibility is preserved. Whether you’re years away from needing care or already in crisis, our New York estate planning attorneys will help you develop a custom plan that aligns with your goals.

From restructuring asset ownership to utilizing spousal protections and irrevocable trusts, we craft smart legal strategies to help preserve what you’ve worked hard to build, so you can afford the care you need without sacrificing your legacy.

Crisis Planning: Immediate Help When You Need It Most

When a loved one suddenly needs nursing home care, there’s no time to waste. Without pre-planning, families often find themselves scrambling to understand the rules, complete applications, and cover costs out of pocket—all while dealing with the emotional weight of the situation.

That’s where our Crisis Planning services come in. Even without prior asset protection measures in place, our New York estate planning attorneys can help you qualify for Medicaid more quickly while minimizing penalties and reducing your financial exposure. We know how to work within tight timeframes, navigate complex regulations, and advocate for your interests every step of the way.

Tailored Strategies for Individuals and Married Couples

Each family’s financial picture is unique, and so is our approach. Whether you’re single or married, our experienced attorneys take the time to evaluate your full estate and long-term care goals, then develop a tailored Medicaid strategy that meets your specific needs.

We understand the nuances of Community Spouse Resource Allowances, the implications of income caps, and the importance of spousal planning. Our goal is simple: to help you secure the care you deserve, without losing your home or draining your life savings.

Expert Nursing Home Placement Assistance

Choosing a nursing home is more than just finding a facility; it’s about finding the right one. Our Elder Law attorneys provide compassionate, experienced guidance to help families evaluate options, compare costs, and make confident decisions.

We understand the emotional, physical, and financial considerations that come with long-term placement. We help assess not only the medical needs of the individual but also the broader family dynamic, ensuring your loved one’s safety, comfort, and dignity are always at the forefront.

In addition, we help families understand the cost structure of nursing homes, implement asset protection strategies, and prepare for Medicaid eligibility, so you’re not caught off guard down the line.

Our Elder Law  Attorneys practice in:

• • Medicaid Planning
  • Medicaid Applications
  • Crisis Planning
  • Long-Term Care Planning
  • Asset Protection
  • Medicaid Appeals

At Rupp Pfalzgraf, we don’t just offer Elder Law services, we offer peace of mind. Whether you’re preparing for the future or managing an unexpected health crisis, our Buffalo elder law team stands ready to protect your assets, support your loved ones, and guide you through every step with compassion and clarity.

New York State Medicaid Regional Rates (2025)