Understanding the Financial Burden of Aging
Aging gracefully comes with hidden costs that can easily overwhelm an unprepared family. These include:
- Assisted living or memory care facilities, often ranging from $5,000–$9,000/month in Contra Costa County
- In-home caregiving services, which can exceed $30/hour for skilled care
- Skilled nursing facilities, averaging over $12,000/month for long-term care
- Uncovered medical costs, including prescriptions, home modifications, and mobility aids
- Transportation, food delivery, and companion care services, especially for those aging in place
Without proper legal planning, these expenses can quickly deplete savings, force the sale of family assets, and leave loved ones scrambling for solutions in a crisis.
Why Legal Planning for Aging Matters
At Horizon Elder Law & Estate Planning, we believe that planning for the high cost of aging should be comprehensive, personalized, and compassionate. We offer a wide range of services to help Contra Costa families:
- Qualify for Medi-Cal benefits without spending down everything they own
- Preserve family homes and assets using irrevocable trusts or gifting strategies
- Prepare advance health care directives and powers of attorney to avoid court intervention
- Establish life care plans that coordinate legal, medical, and financial needs over time
- Advocate for veterans’ benefits, including Aid & Attendance, to supplement care costs
- Create special needs trusts for disabled spouses or adult children
- Avoid costly conservatorships by naming trusted agents while capacity is intact
What Happens Without a Plan?
When aging individuals or their families fail to plan, the consequences can be devastating:
- Medical emergencies may lead to unwanted nursing home placements
- Family conflicts often arise over finances and caregiving duties
- Court-appointed conservators may assume control over finances and decisions
- Hard-earned savings may be lost to long-term care bills
- Public benefits eligibility may be delayed due to lack of asset protection
Planning ahead ensures you’re not reacting to crises—you’re prepared for them.
A Nurse-Attorney Who Understands the Realities of Aging
Julie M. Fiedler, founder of Horizon Elder Law & Estate Planning, brings a unique perspective to the table. As a Registered Nurse and a Certified Elder Law Attorney (CELA), she understands the medical, emotional, and legal complexities of aging.
Whether you’re facing a sudden health change, caring for an aging parent, or planning ahead for your own future, Julie and her team offer personalized guidance rooted in compassion, clarity, and decades of experience.
Serving Contra Costa County Families with Compassion and Clarity
From San Ramon and Walnut Creek to Concord, Lafayette, and Danville, Horizon Elder Law & Estate Planning proudly serves individuals and families throughout Contra Costa County. We offer in-person consultations, virtual appointments, and flexible meeting times to ensure accessibility.
Every client receives:
- A comprehensive intake review of medical, financial, and legal needs
- A customized strategy tailored to their family dynamics and future goals
- Ongoing support as laws change and life evolves
Whether you’re a senior concerned about your future, a spouse facing an Alzheimer’s diagnosis, or an adult child trying to help a parent in crisis, our team is here to help you make smart, informed decisions that protect your loved ones and your legacy.
Start Planning Today
The cost of aging isn’t just financial—it can take a toll on your health, dignity, and family relationships if not handled with care. At Horizon Elder Law & Estate Planning, we help Contra Costa families address these challenges head-on with proactive, empathetic legal guidance.
Contact us today to schedule a confidential consultation to discuss how we can help you navigate the high cost of aging with confidence and control.