Planning for the future may feel overwhelming, but it’s one of the greatest gifts you can give yourself and your loved ones.

While none of us can predict exactly what lies ahead, preparing for the possibility of long-term care helps ensure you stay in control of your choices, finances, and quality of life. With nearly 70% of adults over 65 likely to need some form of care — and one in five needing it for more than five years — taking action now sets you up for greater independence and peace of mind later.

At Pierro, Connor, Strauss, LLC, our experienced New York long-term care lawyers created the 2026 Long-Term Care Planning Guide to make this process easier, clearer, and more empowering for you.

Why Long-Term Care Planning Matters

Long-term care planning is about creating the life you want — one where your independence, choices, and financial security are fully protected as you age.

When you plan ahead, you can:

  • Stay in control of where and how you live
  • Safeguard your retirement savings for the things that matter most
  • Help provide peace of mind for your loved ones

Without a clear plan, unexpected events can limit your options, drain your finances, and leave important decisions in others’ hands.

Taking steps now helps you stay empowered, protect your legacy, and give yourself and your family the peace of mind you all deserve.

What’s Inside the 2026 Long-Term Care Planning Guide

Our free guide takes a complex, often overwhelming topic and breaks it down into manageable steps. Here’s a closer look at what you’ll learn:

➔ Protecting Your Assets

We’ll walk you through key strategies for:

  • Shielding your savings and property from long-term care costs
  • Minimizing or avoiding unnecessary spend-downs
  • Using tools like irrevocable trusts to secure your legacy

Protecting your financial future requires more than hope — it demands smart, proactive strategies. Our guide, created by the elder law attorneys at Pierro, Connor & Staruss, shows you where to begin.

➔ Funding Your Care

Many families are caught off guard by the true cost of long-term care. Our guide helps you explore:

  • The pros and cons of long-term care insurance
  • Building a financial cushion through personal savings
  • Combining multiple funding sources to stay flexible and protected

Choosing the right combination of funding options can make the difference between thriving comfortably and facing financial strain.

➔ Understanding Medicare, Medicaid, and Private Insurance

Misunderstandings about coverage can leave risks that may be discovered down the line. We explain:

  • What Medicare will — and will not — pay for (most people are surprised!)
  • How Medicaid planning can help preserve assets and ensure eligibility
  • Where private insurance fits into your broader care strategy

You don’t have to navigate these complicated systems alone. With the right knowledge, you can design a plan that works when you need it most.

What Our Clients Have to Say

After a devastating medical event, I would have lost everything that my husband and I had worked for our entire lives. With Frank Hemming’s and Aaron Connor’s knowledge and expertise, we are able to live without the worry of financial loss. I would highly recommend this firm for their help with protecting your assets.
I recently had the pleasure of working with Tommaso Marasco to prepare some important paperwork. He was exceptionally thorough, professional, and efficient. Tommaso took the time to explain the details and ensured all documents were accurate and complete. I highly recommend him for any legal needs.

Dealing with Patty Whelan and Aaron Connor was a pleasure. We received thorough and insightful counsel in creating our family trust and additional estate planning documents. In addition to excellent legal representation, the team at PC&S are simply nice people and easy to work with. We highly recommend them for those looking for a trusted advisor and estate planning attorney.

Planning for Where and How You’ll Live

Choosing where you live as you grow older is one of the most personal and impactful decisions you’ll make. It’s about finding a place that supports your well-being, maintains your independence, and feels like home.

Our NY long-term care planning guide walks you through the key options:

  • Aging in place: Learn how to modify your home for safety and explore services that help you maintain independence longer.
  • Assisted living: Discover what to consider when selecting a community that balances support, amenities, and personal freedom.
  • Nursing homes: Understand the financial and care considerations involved in choosing a facility that provides full-time medical support.

Why Work with a Life Care Coordinator (LCC)?

When a serious illness or incapacity arises, navigating the healthcare system can quickly feel overwhelming. That’s where a Life Care Coordinator (LCC) can make all the difference. Pierro, Connor & Strauss has trusted relationships with LCC’s outside the Firm, you can choose to work with.

The NY long-term care planning guide explains how an LCC can:

  • Create and manage a personalized healthcare plan that aligns with your goals, medical needs, and long-term care strategy.
  • Advocate for your needs in medical settings by helping you navigate complex systems and ensuring your preferences are respected.
  • Work alongside your legal and financial advisors to coordinate a seamless plan that supports both your health and financial well-being.

With the right LLC by your side, you can bridge the gap between your healthcare goals and the complexities of the system, ensuring your care plan remains personalized, proactive, and fully aligned with your values.

Couple works together on retirement planning

How Pierro, Connor & Strauss, LLC Can Help

At Pierro, Connor & Strauss, LLC, our experienced team is here to help you build a secure plan for the future.

Working with a New York long term care planning lawyer ensures that your legal, financial, and personal goals are carefully protected as you age. Our firm brings decades of expertise in elder law, estate planning, and long-term care strategies.

When you choose us, you benefit from:

  • Personalized legal guidance tailored to your needs
  • Proven strategies to protect your assets and independence
  • A compassionate approach focused on giving you peace of mind

Take the First Step Toward a Secure Future

The best time to start planning for long-term care is when you feel confident and in control. With the right choices today, you can create more opportunities, greater independence, and lasting peace of mind for the future.

Taking simple steps now can make all the difference in helping you live the life you envision — with comfort, security, and freedom to choose what’s best for you.

Working with an experienced New York long-term care planning lawyer, like ours here at Pierro, Connor, Strauss, LLC, can help you navigate the process with clarity and confidence, ensuring your plan truly reflects your wishes.

Your future is yours to shape. Let’s make sure it’s the future you deserve.

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Protecting Your Parents’ Assets From Nursing Home Costs

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Pierro, Connor & Strauss Attorneys Honored by Best Lawyers®

Pierro, Connor & Strauss, LLC is proud to have six attorneys recognized in the 2026 editions of The Best Lawyers in America® and the Best Lawyers: Ones to Watch® in America.
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Essential Planning Considerations for LGBTQ+ Adults

Planning for our later years is something we all need to think about, yet for LGBTQ+ adults, this process often comes with unique concerns and considerations that many traditional resources don't address. Understanding these challenges and taking proactive steps can make a significant difference in ensuring dignity, comfort, and quality care as we age.
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