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Stillwell Elder Law · Roanoke, VA
An adult daughter holds her smiling mother's hands as they talk together on a living room sofa

A parent needs more care. Let's make a plan together.

Elder law for older adults and the families who love them: Medicaid and long-term care, guardianship, veterans benefits and estates, in Roanoke and the Roanoke Valley.

Practice areas

Where would you like to start?

Explore all practice areas

Meet where it is easiest for your family

Our office is step-free with parking at the door. If getting out is hard, we come to you, and family members who live away can join by video.

Free family checklist

The papers to gather before a first meeting: accounts, income letters, insurance cards and anything already signed. Print it, tick it off, bring what you find.

Open the checklist

Talk to a person today

A free 15-minute call to tell us what is going on. If we are not the right fit, we will say so and suggest who is. Phones are answered Monday to Thursday, 8:30 a.m. to 5:00 p.m.

Call (540) 555-0164

Why families choose Stillwell

Plain answers. Patient people. One plan the whole family can follow.

Written for the adult children, too.

Most first calls come from a son or daughter, often late at night, often from another city. We talk with you, explain what is happening in plain words, and then meet with your parent, because the plan has to be theirs.

With your parent's permission, we keep the whole family in the loop with one written summary everyone can read.

Who is the client, you or your parent?

Close view of a younger person's hands gently holding the hands of an older adult
A woman with grey hair and glasses studies a pile of bills and statements at her table

Medicaid, explained instead of sold.

Nursing home bills are frightening, and there is no shortage of people selling quick fixes. We start with the rules as they really are, tell you which choices make sense for your family and which do not, and put it in writing.

We never promise that an application will be approved. We promise a careful one.

Read about Medicaid planning

Medicaid, in plain words

The five-year look-back, in one picture

When someone applies for nursing home Medicaid, the state reviews gifts and transfers made during a window of time before the application. In Virginia and most states, that window is 60 months.

A gift made here
A timeline: the 60 months before a Medicaid application form the look-back window. A gift made inside the window is reviewed. Transfers made before the window are generally not reviewed.
  • Inside the window

    Gifts and transfers for less than full value are reviewed. Some may lead to a penalty period, a time when Medicaid will not pay for care.

  • Before the window

    Transfers made earlier are generally not reviewed. That is why planning years ahead gives families more choices.

  • Not a gift at all

    Paying for care, paying bills and buying things at fair value are not gifts. Keep the receipts.

Rules differ by state, and a few states handle the look-back differently. This picture is general information, not legal advice. We check the current Virginia rules for every plan.

Planning ahead, while you can still choose.

Not every call is a crisis. Many couples come to us in their sixties and seventies to put powers of attorney in place and think through how care might be paid for one day. It is the calmest kind of planning, and it keeps the most doors open.

Read about long-term care planning

An older couple sitting close together and talking on the sofa in their sunny living room

In their own words

What families say about working with us, in good weeks and hard ones.

Read all reviews
1 / 7
Linda R. · Daughter, Medicaid planning
“We called on a Tuesday after Dad's rehab said he couldn't go home. Margaret met us that Thursday and explained Medicaid in a way my brother and I finally understood. She was honest that we would have to pay privately for a few months first.”

Reviews on this sample site are fictional. Every family's situation is different, and no review or past result promises a similar outcome.

Questions families ask first

Do I need my parent's permission to call you?

No. Adult children call us every day, and a first conversation is a good place to start. If your parent becomes our client, we will want to speak with them directly, and we will ask their permission before sharing details with the family.

Who is your client, me or my parent?

Usually the older adult is our client, even when an adult child calls, books and helps pay. That means we take our direction from your parent and keep their confidences. We will explain this clearly at the start, so no one is surprised.

What is the Medicaid look-back?

When someone applies for nursing home Medicaid, the state looks back at gifts and transfers made in the months before the application. In Virginia and most states that window is 60 months, or five years. Gifts in that window may lead to a penalty period. Rules differ by state.

Doesn't Medicare pay for the nursing home?

Medicare can cover a short skilled nursing or rehab stay after a hospital admission, under certain conditions. It does not pay for long-term custodial care, which is help with daily living over months or years. That is where Medicaid, savings, VA benefits or insurance come in.

See all questions and answers

Talk it through with someone who does this every day.

Book a consultation online in about three minutes, or call and a real person will answer. We return every call within one business day.

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