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.
We Built This for
Three Types of People.
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.
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.
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.
What You Need. What You Don't.
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.
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.