01/29/2026
What If Mom needs care for 10 more years? Itβs an important conversation no one wants to have.
January is when everyone's thinking about finances, tax prep, budgets, new year goals. However, there's one financial conversation most families keep putting off: What if your parent needs care for the next 10 years?
It's uncomfortable. It feels premature. The truth is, this is the best time to plan for long-term care is before you need it desperately.
In-home care can range from a few thousand dollars a month to significantly more, depending on the level of support needed. Assisted living facilities in New Jersey average $5,000-$8,000 per month. Nursing homes cost even more.
Most families don't realize how quickly savings can disappear, or that there are options to help cover these costs.
Payment Options You Should Know About:
π΅ Veterans Benefits: Many veterans and their surviving spouses qualify for Aid & Attendance benefits that can cover in-home care costs. Most families don't know this exists.
π΅ Long-Term Care Insurance: If your parent has a policy, now's the time to understand what it covers and when it kicks in.
π΅ Medicaid: New Jersey offers programs that can help cover in-home care for those who qualify. Understanding eligibility now prevents scrambling later.
π΅ Private Pay & Flexible Plans: We work with families to create care plans that fit their budget, whether it's a few hours a week or full-time support.
Why January is the Perfect Time for This Conversation:
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Everyone's already thinking about money
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No crisis forcing rushed decisions
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Time to explore all options and plan strategically
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You can start care gradually, not all at once
Because planning ahead isn't pessimistic. It's the smartest thing you can do for your family.