Our founder

Elder Law Attorney and Founder of Senior Care Resources

Carl B. Zacharia is an elder law attorney who has been admitted to practice in Pennsylvania since 1994 and in Florida since 1995, and the founder of Senior Care Resources. He is a founding partner of Zacharia Frey PLLC in Bonita Springs, Florida, the author of Florida Long-Term Care and Medicaid (2026 Edition), and the person who decides how every Senior Care Resources case is planned. Families who work with Senior Care Resources are working with a company built and directed by an attorney who has spent more than thirty years on exactly this problem.

AdmittedFlorida, 1995 (Bar No. 50784) · Pennsylvania, 1994EducationJ.D., Duquesne University School of Law · B.A., Washington and Jefferson CollegeMembershipsNational Academy of Elder Law Attorneys (NAELA) · Academy of Florida Elder Law Attorneys · Pennsylvania Academy of Elder Law Attorneys · The Florida BarRecognitionSelected to Super Lawyers, 2015–2026Law firmZacharia Frey PLLC

Among the first elder law attorneys

Carl began practicing elder law when the term had only just been coined. His early office was in a community with a large population of older residents, and families kept arriving with the same fear: that a nursing home stay would take everything they had built. He set out to understand the programs and rules that govern long-term care, and he has spent the decades since guiding families through those decisions, in the office, before state and federal appellate courts, and in the classroom as a frequent lecturer on estate planning and elder law.

He has argued Medicaid and medical assistance cases before state and federal appellate courts, including a federal court of appeals in Washington, D.C. That courtroom experience is unusual in Medicaid application work, and it is why Senior Care Resources knows what a caseworker's decision has to withstand.

Why he founded Senior Care Resources

Carl founded Senior Care Resources in 2007 because most families who need a Medicaid application do not need a lawyer for every step of it, and should not have to pay attorney rates for document gathering and caseworker follow-up. What they need is an application managed by people who do it every day, with an attorney available for the steps that require one.

The company began in Pennsylvania and opened its Florida operation in 2025, alongside Zacharia Frey PLLC. That is the structure Senior Care Resources still has. The application service is separate from the law firm and is not a legal service. When a case needs a Qualified Income Trust, a cured transfer, a caregiver contract, a deed, or an appeal, Zacharia Frey PLLC handles it under its own engagement, and Carl is the link between the two.

The book

Carl is the author of Florida Long-Term Care and Medicaid: A Family’s Guide to Finding, Getting, and Paying for Good Care (2026 Edition), written for families rather than lawyers. It explains choosing a care setting, who pays and when Medicare does not, Florida Medicaid's income and asset rules, homestead protections, powers of attorney, spend-down planning, and Qualified Income Trusts. Much of the material in the Florida Medicaid guides on this site comes from it. It is available on Amazon in paperback and Kindle.

Tools for families

Carl also developed the tools Senior Care Resources uses with families, including the free Medicaid assessment that helps a family see where they stand before they apply.

Florida and Pennsylvania

A native of Pittsburgh, Carl built one of Western Pennsylvania's most respected estate planning and elder law practices as a principal of Zacharia Brown, and he remains of counsel to it. He is licensed in both states. Senior Care Resources' work today is concentrated in Florida, where Carl lives and practices, and where Zacharia Frey PLLC is based.

Frequently asked questions

Is Carl Zacharia an attorney?

Yes. Carl B. Zacharia has been licensed to practice law in Florida since 1995 (Florida Bar No. 50784) and in Pennsylvania since 1994. He is a founding partner of Zacharia Frey PLLC in Bonita Springs, Florida.

Does working with Senior Care Resources mean Carl Zacharia is my attorney?

No. Senior Care Resources is a Medicaid application service, not a law firm, and its services are not legal services. When a case needs legal work, the family engages Zacharia Frey PLLC separately, and that engagement is what creates an attorney-client relationship.

What is Carl Zacharia's book about?

Florida Long-Term Care and Medicaid: A Family’s Guide to Finding, Getting, and Paying for Good Care (2026 Edition) is a plain-English guide for families to finding long-term care in Florida, paying for it, and qualifying for Florida Medicaid. It covers care settings, Medicare's limits, Florida's income and asset rules, homestead protection, powers of attorney, spend-down, and Qualified Income Trusts.

How do I reach Carl Zacharia?

Through Senior Care Resources at (239) 977-5175 or Email us for Medicaid applications, or through Zacharia Frey PLLC for legal matters.

Talk to the team carl built

We'll email you a short two-page intake form about your family member's care, income, and savings. Once you send it back, a member of our staff reviews it personally and calls you to talk through where things stand and what comes next. Families anywhere in Florida. No cost, no obligation.

Call (239) 977-5175

This page is general information about Florida Medicaid, not legal advice, and nothing here creates an attorney-client relationship. Medicaid rules change and every family’s facts are different.

Senior Care Resources is a separate company from Zacharia Frey PLLC. Its Medicaid application services are not legal services, and no attorney-client protection applies to them. When an attorney becomes involved, that is a separate legal representation with the law firm.