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Increasingly we realize that Medicaid may not be enough. But, how do we provide for elderly parents?

Buy long-term care insurance

Some of us work for employers or are members of associations which offer long term care insurance. Check to see whether you can buy long term care insurance for your parents.

Establish a trust

Some of us have prospered. We can never fully repay our parents. But we can establish a trust for their care and potentially lower our taxes at the same time.

Loan money to care for home

Often our parents’ largest asset is their home. Rather than let them be taken advantage of by a reverse mortgage lender, we can loan them money to make the home senior-friendly, keep it up and pay for other expenses.

They cared for us.

It’s our turn to care for them.


Elder law attorney, Terry Garrett, serves on the board of the Texas Chapter of the National Academy of Elder Law Attorneys and is active in the Texas and Austin Bar Associations. She graduated with honors from Cornell University. She was on the Dean’s List at Wharton Business School. She earned her J.D. at Columbia Law School, receiving the Parker Award and a Mellon Fellowship.

She assists families of people with special needs, people planning for the retirement years and people administering estates.

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