Medicaid Planning,
before it is too late.
Nursing home care costs $8,000–$12,000 per month. Without proper Medicaid planning, a lifetime of savings can be wiped out in months. Our AI Legal Nerds help you protect your assets and qualify for Medicaid benefits legally and ethically.
Why Medicaid Planning is Critical
Medicaid has strict asset and income limits. Without planning, you must spend down virtually all assets before qualifying. With planning, you can protect significant assets for your spouse and heirs.
Nursing Home Costs
The average nursing home costs $8,000–$12,000 per month — $96,000–$144,000 per year. Most people exhaust their savings within 1-2 years without Medicaid planning.
The 5-Year Lookback
Medicaid looks back 5 years at all asset transfers. Gifts made within this period can create a penalty period during which Medicaid will not pay for care. Planning must start early.
Spousal Protection
Federal law protects the community spouse from complete impoverishment. The Community Spouse Resource Allowance lets the at-home spouse keep a portion of assets. Our AI calculates your specific protections.
Legal Medicaid Planning Strategies
Medicaid Asset Protection Trust (MAPT)
An irrevocable trust that removes assets from your countable estate for Medicaid purposes. Assets transferred more than 5 years before applying are fully protected. This is the most powerful Medicaid planning tool available.
Spousal Transfers
Transfers between spouses are exempt from Medicaid transfer penalties. Strategic transfers to the community spouse can protect assets while still qualifying the institutionalized spouse for Medicaid.
Home Protection Strategies
Your home is generally exempt from Medicaid asset counts while you or your spouse lives there — but Medicaid estate recovery can claim it after death. Life estates, LLCs, and MAPTs can protect your home for your heirs.
Spend Down Strategies
If you need to spend down assets to qualify, there are smart ways to do it — prepaying funeral expenses, home modifications, paying off debt, and purchasing exempt assets — rather than simply paying for care.
Plan now — before a crisis forces your hand
The best time to start Medicaid planning is years before you need care. The second best time is today.