Пенсильванские фермеры получили бесплатный калькулятор для оценки рисков потери фермы из-за расходов на долговременный уход

For Pennsylvania farm families, long-term care costs can put decades of work at risk. PA Farm Link’s new Long Term Care (LTC) Medicaid Asset Risk Calculator is a free online tool that gives farmers a private, plain-language snapshot of which assets are countable and which are exempt. It provides a rough estimate of what an individual is expected to spend before LTC Medicaid begins. It helps farm families determine the potential impact LTC costs may have on the farm. It also provides a detailed printout of the information to take to an attorney and other ag professional appointment. Reasons for using free LTC risk calculator The cost is real and rising. Pennsylvania’s 2026 average is over $12,300 per month. Farm families need a starting point. The calculator helps farmers gather the correct information. Farmers save time. An attorney appointment goes further when families arrive with asset information organized and in hand. The rules are dense and intimidating. The PA LTC Medicaid handbook is hundreds of pages of complex rules that discourage families from even starting the conversation. Pennsylvania Farm Link’s LTC Medicaid Asset Risk Calculator is easy to use with clear instructions. The calculator estimates farmers asset exposure. It determines countable vs exempt assets, potential spenddown and any transfer-penalty days before LTC Medicaid would begin, under Pennsylvania’s specific rules. Farmers may save a draft and email themselves the link and finish at another time. No account or personal identification required. The calculator creates a printable PDF summary for farm families to review with an attorney. The report will flag items for professional review to make final determinations of countable and exempt assets. The free online tool is available at: pafarmlink.org/medicaid-risk-calculator The calculator’s results are an estimate, not a legal determination, and PA Farm Link never sells any data. Take the printed summary to a qualified attorney, who will confirm what’s exempt, what’s countable, and what planning options fit the individual farm family. Dollar figures on the calculator pages reflect 2026 federal and Pennsylvania limits and will be updated every January. This material is based upon work supported by the National Institute of Food and Agriculture, U.S. Department of Agriculture, through the Northeast Sustainable Agriculture Research and Education program under subaward number ENE25-192. Any opinions, findings, conclusions, or recommendations expressed in this publication are those of the author(s) and do not necessarily reflect the view of the U.S. Department of Agriculture. Calculator designed and built by Voyage Media Works on behalf of PA Farm Link. For further inquiries, please contact us at [email protected] or call us at 717–705–2121.