Planning for Long-Term Care in Pennsylvania: A Family Checklist
Long-term care planning brings together care preferences, finances, and legal authority. Starting before a crisis gives a Pennsylvania family more time to understand the available choices and gather the documents needed to act.
Understand what coverage will pay
Medicare generally does not pay for long-term custodial care, such as ongoing help with bathing, dressing, or eating. Coverage for qualifying skilled care follows different rules. Review existing health and long-term care insurance policies rather than assuming either will cover every setting or service.
Pennsylvania Medical Assistance may help pay for qualifying long-term services and supports, but eligibility involves medical and financial requirements. Transfers for less than fair market value during the applicable five-year review period can affect eligibility. Do not give away assets or add someone to a deed without reviewing the consequences.
Gather a clear financial picture
List income, accounts, property, debts, insurance, and recurring expenses.
Collect records of gifts, transfers, and significant transactions.
Ask providers about current charges, available services, and changes in cost as care needs increase.
Consider the needs of a spouse or other dependent who will remain at home.
Review who can make decisions
A financial power of attorney and appropriate healthcare planning documents can help trusted people assist when needed. The authority granted, the agent selected, and the document’s requirements matter. These documents do not guarantee that every future dispute or court proceeding can be avoided.
Discuss where important records are kept, whom providers should contact, and the person’s preferences about living arrangements and support. Include the older adult in decisions to the greatest extent possible.
Plan for more than eligibility
Some Medical Assistance benefits can lead to an estate recovery claim after death. Pennsylvania’s program includes rules about covered services, timing, and exceptions. Ownership changes and trusts require individual analysis; they are not automatic solutions for preserving assets.
Bring your records and questions to a planning meeting before making irreversible financial changes.
Sources: Medicare long-term care coverage; Pennsylvania Medicaid payment for long-term care; Pennsylvania estate recovery.
Contact Jacobs, Wilson & Onofry to discuss how these issues apply to your circumstances.
Sources checked October 1, 2026. This article provides general information, not legal or tax advice. Rules and individual circumstances can change the result.