Many seniors are caught in a gap — too much in savings to qualify for Medicaid long-term care coverage, not enough to fund years of care on their own. A properly structured plan changes that.
The Medicaid Denial
If Medicaid denied you because of your savings — $100,000, $200,000, even more — you're not alone. Millions of seniors are caught in this exact gap. A properly structured plan often changes that.
There's a path through.
The Sticker Shock
Most families who price out professional home care agencies do the math and realize their savings run out in 5 to 8 years. Your home equity may be the answer they didn't price.
Your home can close the gap.
The Diagnosis Moment
When a parent is diagnosed with dementia, Parkinson's, or another progressive condition, the window to act closes fast. We help families build a care plan before the next crisis forces one.
We can help you build one.
The Way Through
No depleting your savings. No selling the house. No waiting on Medicaid. A properly structured plan uses the equity you've already built to fund professional in-home care — and keeps you exactly where you want to be.
Get a Free ConsultationFree · Confidential · No obligation
Free 15-minute assessment
We evaluate your home's accessible equity at zero cost and identify how much can fund your care.
Personalised care plan
We match you with licensed caregivers and structure a funding plan drawn directly from your equity.
Care begins, costs covered
Your caregiver starts immediately. Your equity pays them directly — no out-of-pocket expense.
You qualify if
Most senior homeowners qualify on the first check. A 15-minute call confirms it.
"My mother was denied Medicaid because she has $180,000 in savings. That money runs out in less than two years if we pay for home care out of pocket. I know there has to be another option — I just haven't found it yet."
Family caregiver — researching from out of state
"We called three home care agencies. The cheapest was $6,200 a month. Dad owns his house free and clear — nobody ever told us that his home equity could matter here. We just assumed we'd have to spend everything down first."
Adult child — after pricing home care agencies
"My husband was just diagnosed with early-stage dementia. I need a plan before things get harder. I have no idea where to start and I just need someone I can trust to tell me what to do."
Spouse — after a recent diagnosis
Equity Life Care and AtHome Life Care serve senior homeowners and their families across all 50 states and Washington D.C. A structured care plan advisor is ready to help wherever you are.
Serving nationwide
All 50 States + Washington D.C.