Am I Eligible?

See If This Sounds Like You.

Equity Life Care was built for a specific type of person — a senior or adult child who has hit a wall and is looking for a way through. Read the three situations below and see if you recognize yourself.

Elderly person at home
Three Situations. One Path Through.

We Built This for
Three Types of People.

Most people who find this site aren't browsing — they're searching for a way out of a very specific problem. Read each profile and see if you recognize yourself.

The Medicaid Denial

You have savings. Medicaid said no.

[ { "You — or your spouse — applied for Medicaid long-term care coverage and were told you have too many assets": { " Maybe $150,000 in savings": { " Maybe $300,000": { " You don't feel wealthy": { " You feel trapped": "too much to qualify for help, not enough to feel secure about the years of care ahead." } } } } }, "You're probably searching terms like 'Medicaid denied too many assets' or 'how to qualify for Medicaid with savings.' You've found the right place. A properly structured plan — one that puts your home equity to work while addressing Medicaid's asset requirements — often changes that picture within 60 to 90 days." ]

There's a compliant, established path through the asset gap.

Yes, I'm caught in this gap

The Sticker Shock

You priced out home care. The number stopped you cold.

[ "You called a few agencies. You heard $6,000 a month. Maybe $8,000. You did the math and realized that at that rate, your savings run out in five to eight years. You're not low-income. You're not wealthy. You're caught in the gap between what Medicaid will fund and what you can afford to self-fund for the rest of your life.", "Most families in this position don't realize their home — often owned free and clear, or nearly so — is the answer the agencies didn't mention. Home equity can fund years of professional in-home care without touching a dollar of savings or retirement accounts." ]

Your home equity may be the answer the agencies didn't price.

Yes, the math doesn't add up for us

The Diagnosis Moment

A diagnosis just changed everything.

[ "A parent or spouse was just diagnosed with dementia, Parkinson's, or another progressive condition. You're researching urgently — often from out of state, often late at night. You need someone competent to take over the complexity before the next crisis forces a decision you're not ready to make.", "The window to build a real plan — one that protects the home, addresses care funding, and accounts for Medicaid eligibility — is right now, before the situation becomes an emergency. We help families build that plan." ]

We help families build a care plan before the next crisis forces one.

Yes, we need a plan — now
Elderly person at home
The Basics

What You Need. What You Don't.

Eligibility is simpler than most families expect. You don't need perfect finances — you need a home, an age, and a care need.

You qualify if

Any of these describe you

  • You or a loved one owns a home (primary residence)
  • You or your spouse are 62 years of age or older
  • You or a loved one needs in-home care or assistance
  • The home has meaningful equity — owned free and clear, or close to it

You only need to meet a few of these — most senior homeowners qualify on the first check.

Not required

None of these are deal-breakers

  • Perfect credit score
  • Monthly income verification
  • Ability to pay out-of-pocket
  • A fully mortgage-free home

We work with all credit profiles and income levels — no surprises, no gotchas.

Get a Free Consultation

Confidential · No obligation · No pressure

Legal Disclosure

A note on Medicaid

  • Medicaid decisions are made by state and federal government agencies. No one can guarantee a Medicaid outcome.

  • Equity Life Care is a marketing and referral brand — not a licensed home care agency, legal advisor, or Medicaid planning firm.

  • When you reach out through this site, you'll be connected with the AtHome Life Care team, which coordinates Medicaid-related planning as part of a comprehensive structured care program.

Free Consultation

One Conversation Can Change Everything.

Most people who call us find out they qualify in under 15 minutes. No paperwork, no commitment — just clarity on what's possible.