Medicaid planning

Nursing home care can quickly consume a lifetime of savings. Medicaid, called Medical Assistance in Pennsylvania, can pay for that care, but it has strict financial eligibility rules. Planning helps you qualify while protecting as much as the law allows for you and your family.

Planning ahead

Medicaid reviews financial transfers made in the five years before an application. Planning well before care is needed gives you the most options, such as certain irrevocable trusts and arranging assets to fit the rules.

When care is needed now

Even when a parent or spouse already needs care, planning often still helps. Married couples in particular have protections that allow the spouse at home to keep income and assets. I can help you understand what’s possible and prepare the application.

How I help

• Review your assets, income, and goals
• Explain the five-year look-back and how it applies to you
• Recommend and draft trusts and other planning documents
• Guide you through the Medical Assistance application

Common questions

Will I have to spend everything before Medicaid pays?

Not necessarily. Some assets don’t count toward eligibility, and there are lawful ways to protect others, especially for married couples. The right approach depends on your timing and circumstances.

Can I just give my assets to my children?

Gifts made within five years of applying can trigger a penalty period during which Medicaid won’t pay for care. That’s why transfers should be planned carefully and with advice.