Calculator
The Heartland Law Firm's Elder Care Initiative
You're navigating your family's elder chapter with an old map — of a system that no longer exists.
ElderSmart gives you a clear, personal map instead. Start where it makes sense for you.
Free · 5 minutes
Well-Being Assessment
Answer a few honest questions about health, legal readiness, money, and family. Get a personal clarity report — then talk it through with an Elder Advocate.
Take the Free Assessment
Free · Real numbers
Asset Protection Calculator
See what proactive planning could protect from nursing-home spend-down — and what's currently at risk.
Calculate My ProtectionA better map has three parts.
Most families are handed a system built for a different generation. ElderSmart rebuilds the map in three stages — so you always know where you are and what's next.
- InformationUnderstand what's actually changed, and what it means for your family.
- AssessmentsSee your real starting point — health, legal, money, family — with honest clarity.
- Well-BeingBuild a personal roadmap, with an advocate walking beside you.
"We didn't know what we didn't know. ElderSmart gave us a plan we could actually follow — and someone to call when we got stuck." — Patti & Simona, ElderSmart family
Asset Protection Calculator
Illustrative only — not legal or financial advice. This gives you a starting number for the conversation, not a guarantee.
Amount an Elder Protection Trust can protect
$—
Enter your total countable assets to see your number.
Currently at risk without planning
$—
Home equity (not counted above)
No home
Get My Real Number — Book a Call
This is the Illinois Medicaid protection an Elder Protection Trust secures even in a crisis, with no advance planning: (total countable assets − $17,500 individual / $160,672 married spousal allowance) × 65%. Home equity is treated as a separately exempt asset and is not included in this calculation — confirm with Brendan and Dave before launch. Not legal advice; your actual protection depends on your full financial and family picture.
Not sure which door is yours? Start with the Well-Being Assessment — it points the way.
Take the Free Assessment