When Does It Become Too Late to Protect Savings From Nursing Home Costs?
Rochester – September 11, 2026 -- Families facing a sudden nursing home admission often assume every option to protect savings and property has vanished, but attorney Andrew R. Randisi of Weinstein & Randisi says that isn't always true.
Many families wait until a health crisis forces the issue
According to a HelloNation feature on Randisi's insights, most families delay Medicaid planning until a parent suddenly needs nursing home care or a loved one's health declines sharply. That timing creates immediate pressure around retirement savings, property, and long-term financial stability.
Two common assumptions about timing are usually wrong
Some families believe asset protection becomes impossible once long-term care starts. Others assume a single strategy can shield all savings and property no matter when planning begins. The article states neither assumption holds up under current Medicaid rules.