Elder Law Planning
Whether you are planning for yourself or for an aging parent, making the right financial, medical, and legal decisions is essential to protecting your well-being and your legacy. At Usoro & Associates, P.C., we help you develop a comprehensive plan that ensures your wishes are respected, your assets are protected, and your quality of life is maintained, even if you one day require assisted living or nursing home care.
Our Elder Law Planning Approach
With people living longer than ever before, thanks to healthier lifestyles and medical advancements, more families are now faced with the challenge of planning for long-term care. Studies show that nearly two-thirds of families deplete their savings within two years of entering a nursing home. Most private insurance plans and Medicare do not cover these costs, which can average around eight thousand dollars per month, depending on your location and level of care.
Without proper planning, seniors often see their life savings and the inheritance they worked so hard to build consumed by long-term care expenses. With the right strategy in place, however, it is possible to preserve your assets, stay in your home longer, and still receive the care you need. You may even qualify for government benefits without having to spend down everything you own, but only if your plan is designed correctly.
Navigating the complexities of elder law can feel overwhelming. Having an experienced attorney who understands long-term care planning provides both protection and peace of mind. Our goal is to make sure you and your loved ones have the right safeguards in place for every stage of life.
We Help:
- Individuals who know long-term health issues are on the horizon
- Individuals currently experiencing long-term health issues
- Families helping a loved one transition to a nursing home
- Families trying to figure out how to keep a loved one home as they age
- Powers of attorney acting on behalf of their loved one who is aging
- Everyone in between who has any elder law need or concern
Aniefiok I. Usoro
My name is Aniefiok I. Usoro, your local Personal Family Lawyer and founder of Usoro & Associates in Houston, Texas. My journey to estate planning has been anything but traditional, and it’s precisely that unique path that makes me passionate about protecting what matters most to families.
Legacy is about more than just wealth—it’s about people, purpose, and peace of mind. We offer personalized legal guidance once reserved for high-net-worth families, helping individuals from all walks of life make wise, lasting decisions. Our Life & Legacy Planning approach goes beyond traditional estate planning. It protects your assets and ensures your values, priorities, and relationships are preserved as part of your family story.
What We Do
We work with you to create a personalized plan that may include long-term care planning, asset protection, Medicaid strategies, and healthcare decision-making tools, all tailored to your family’s needs. Our services are thoughtfully packaged into customizable options, and all of our fees are flat-rate and agreed upon in advance, giving you complete clarity and confidence as you plan for the future.
Disability and Special Needs Planning
Long-Term Care Planning
Guardianship and Conservatorship
Retirement and Medicaid Planning
Assisted Living Asset Protection
Elder Abuse Prevention
Trust Administration After a Loved One’s Death
You Don't Want To End Up A Statistic
10K
U.S. Adults Turn 65 Every Single Day
Of the 70M baby boomers, 10,000 turn 65 every day, meaning that our medical system will soon be overburdened with aging individuals needing care. Expect – and plan around – an exorbitant increase in medical costs year over year.
$7K
Is The Average Monthly Cost For Long-Term Care
Without any planning in place, you can expect to spend $8,000 per month directly from your bank account to cover a private nursing home room. Your inheritance is quickly spoken for at that rate, instead of left to your family.
$61B
Is What Seniors Pay To Fraudsters and Scammers
With age comes not only increased medical costs, but also an uptick in fraudulent schemes targeted at you. No matter your savviness, fraudsters can be savvier, and you want a plan to ensure your family can intervene on your behalf.
Schedule Your Free
15-Min Consult
Schedule Your Free 15-Min Consult With our life and legacy planning model, we help you confidently make legal and financial decisions so you know you have a plan to keep everyone you love out of court and out of conflict after you pass. Schedule a complimentary consult to learn more.
Schedule Your Free 15-Min Consult
Schedule Your Free 15-Min Consult With our life and legacy planning model, we help you confidently make legal and financial decisions so you know you have a plan to keep everyone you love out of court and out of conflict after you pass. Schedule a complimentary consult to learn more.
Frequently Asked Questions About Estate Planning
can i own a fancy car and still qualify for Medicaid?
In most cases, yes. Many states allow Medicaid recipients to own one automobile regardless of its value. However, there are strict rules regarding how the vehicle is used and who has access to it. These regulations can change over time and may vary from state to state.
Because the details are complex and can significantly impact your eligibility, it is essential to work with an experienced attorney who understands both Medicaid and long-term care planning. At Usoro & Associates, P.C., we help you stay compliant with current laws while protecting your assets and your family’s future.
Do I Need An Attorney?
Yes. Elder law planning involves many legal and financial details that, if handled incorrectly, can have serious consequences for your taxes, assets, and healthcare decisions. Working with an attorney who regularly handles elder law and Medicaid planning ensures that your plan is complete, compliant, and protective.
At Usoro & Associates, P.C., we help clients every day navigate complex laws surrounding long-term care, healthcare costs, and estate protection. We believe in forming lifelong relationships so that you always have a trusted lawyer to guide your family through every stage of life.
How much does it cost?
Every plan is unique and tailored to your individual needs. We understand that cost is an important factor, which is why our services are offered on a flat fee basis. You will always know the full cost before we begin, and there are never any hidden fees.
Because each family’s situation is different, we do not quote fees online or over the phone. Instead, we invite you to attend one of our educational elder law planning events where you can learn about our process, fee structure, and how to take the next step when you are ready.
WHAT IS A medicaid TRUST?
A Medicaid trust is a type of irrevocable trust designed to protect your assets while maintaining eligibility for Medicaid benefits. When a trust is irrevocable, you give up ownership and direct control over the assets placed into it. However, when drafted correctly, you can still benefit from those assets. For example, you may be able to transfer your home into a Medicaid trust and continue living in it.
Establishing a Medicaid trust requires careful legal guidance to ensure it meets your goals and complies with Medicaid regulations. You should never create this type of trust on your own. The attorneys at Usoro & Associates, P.C. can help you structure the trust correctly so your assets are protected and your long-term care needs are met.
how does elder law planning differ from estate planning?
Elder law planning is a specialized area within estate planning. It focuses on issues that affect you as you age, including retirement benefits, healthcare, Medicaid and Medicare coverage, and long-term care options.
While traditional estate planning addresses asset distribution and probate avoidance, elder law planning adds an additional layer of protection to help preserve your assets from healthcare and nursing home expenses. At Usoro & Associates, P.C., we coordinate your legal, financial, and insurance strategies so your plan works seamlessly as your needs evolve.
WHEN SHOULD I START CONSIDERING ELDER LAW PLANNING?
There is no specific age to begin, but most people should start exploring elder law planning around age 60. The earlier you plan, the more options you have to protect your assets and qualify for benefits if needed later in life.
Unexpected health issues can arise at any time, which may limit your ability to make decisions or protect your estate. Starting early ensures that your plan reflects your wishes and shields your family from unnecessary stress and expense.
5 Reasons To Never Give Your Children Outright Inheritance
Many families assume leaving an outright inheritance to their children is the simplest way to pass on wealth, but doing so can put those assets at risk from divorce, lawsuits, mismanagement, or loss of motivation to create. This guide explains why outright inheritances often fail and how a Lifetime Asset Protection Trust can protect your legacy while teaching financial responsibility and preserving family wealth.