With people enjoying increasingly long lifespans, the need for specialized legal assistance in matters related to aging and elder care is growing. Elder law attorneys, sometimes called elder care lawyers, play a crucial role in helping older adults and their families make the best use of their resources in the last years of life.

　　Elder law attorneys have in-depth knowledge of the statutes and regulations governing retirement, health care, Medicare and Medicaid planning, estate planning, asset protection, advance directives, and long-term care. Not everyone needs an elder law attorney, but you may find that this type of lawyer can provide the right support at critical points as you age.

　　What is an elder law attorney?Being an elder care lawyer requires a comprehensive understanding of both legal principles and the aging process. Elder law attorneys aim to stay abreast of ever-changing laws and regulations that affect senior citizens and their families to ensure that clients receive up-to-date guidance.

　　Although an elder law attorney is not a financial advisor, the role often involves a certain amount of financial planning, largely because the strategic use of assets and insurance becomes increasingly important for most people as they age. In some cases, your existing retirement plan may require reconfiguring as you get older to cover the cost of long-term care, for example, or to make the most of Social Security, pension plans, and other retirement benefits.

　　Credentials specific to elder lawAs the need for elder law expertise has grown, so have the number of courses and credentials available to lawyers looking to specialize in elder law. The National Elder Law Foundation, for example, offers a certified elder law attorney designation via an experience- and exam-based certification, although it’s not the only one. Some states and schools also offer certifications that indicate a lawyer has met certain standards and levels of experience in elder law.

　　That said, in some cases a lawyer with the relevant experience can do business as an elder law attorney without a specific certification. But because the fields relating to aging and law are evolving, it’s wise to check the regulations in your state. A good place to start is with your state’s department on aging or human services.

　　If you’re looking for a lawyer specializing in elder law, the National Academy of Elder Law Attorneys (NAELA) website features a search function that can help you find someone qualified in your area.

　　What an elder law attorney does, and when you need oneThe needs of an aging person and the collateral impact on family members can be quite complex, and each case is unique. One family, for example, may need help in numerous areas, while another may only require support with estate planning. Often, a lawyer may offer a free consultation so you can gauge whether their experience is a good fit for your situation.

　　Estate planning. Elder care lawyers can help you create a comprehensive estate plan to manage your assets before and after death. The work may involve drafting wills, establishing trusts, and designating beneficiaries to ensure that your wishes are carried out effectively.Long-term care planning. Planning for long-term care is a critical aspect of elder law. Lawyers can help you navigate Medicaid eligibility requirements, develop strategies to protect assets from nursing home costs, and explore options for long-term care insurance.Advance directives. Elder care lawyers assist clients in drafting advance directives such as powers of attorney, health care proxies, and living wills. These documents outline your wishes regarding medical treatment and appoint a trusted person to make health care decisions on your behalf if you become incapacitated.Guardianship. In cases where an older adult is unable to make other decisions or set up powers of attorney due to incapacity, elder care lawyers can petition a court to appoint a guardian or conservator to make personal and financial decisions. The role of the guardian is typically limited to what’s spelled out in the court order, but it’s wise to know the rules in your state.Social Security and pension benefits. Elder care lawyers assist with Social Security benefits, pensions, and other retirement accounts, helping you maximize your benefits, establish spousal benefits, and name beneficiaries.Abuse and exploitation. Older adults are vulnerable to abuse, neglect, or financial exploitation. Elder care lawyers advocate for victims of elder abuse and help them seek legal remedies to protect their rights and assets.Limitations of elder law attorneysAlthough elder care lawyers offer invaluable assistance in many aspects of aging and legal planning, there are limits to their services.

　　Medical advice: Elder care lawyers are not medical professionals. They may collaborate with health care professionals to address legal issues related to health care decisions, but they can’t (and shouldn’t) offer medical guidance.Financial management: Although elder care lawyers can provide guidance on financial planning and asset protection, they are not necessarily trained or credentialed as financial advisors, investment managers, or tax professionals.Criminal law: Elder care lawyers primarily focus on civil matters related to aging, such as estate planning and long-term care, and don’t typically handle criminal cases or provide representation in criminal proceedings.Real estate transactions: Elder care lawyers may assist with aspects of real estate planning, such as property transfer and asset protection, but they do not typically handle real estate transactions such as buying or selling property.The bottom lineAs the population of older adults grows, a gap remains between the needs of the elderly, how benefits are structured, and the ease with which families can coordinate resources.

　　Elder care lawyers can play a vital role in helping you and your family navigate these waters as you get older. They provide essential legal services—and strategic insight—related to estate planning, long-term care, advance directives, and more. Still, it’s important to understand the limitations of elder care law and seek out other professionals as needed for specialized advice.