Why plan for long-term care?
Nursing home and long-term care costs can quickly consume a lifetime of savings. For many families, Medicaid is the program that ultimately helps pay, but qualifying takes planning.
How does Medicaid eligibility work?
Medicaid has income and asset limits, and it reviews certain transfers made before applying, a window often called the look-back period. Gifts or transfers made improperly during that window can create a penalty.
Protecting your family lawfully
There are legitimate planning tools, including protections for a spouse who remains at home. The goal is to use lawful strategies, never to hide assets or mislead the program.
How Suzanne helps
Suzanne explains the rules in plain language and helps you plan within them, with your family's security in mind.
Call 302.661.0400 to talk.
Common questions
What is the Medicaid look-back period?
It is the window before an application during which certain transfers are reviewed. In most cases it is five years, and improper transfers in that window can create a penalty.
Will I lose my home if I need Medicaid?
A home can often be protected with proper planning, though estate recovery rules may apply. An attorney can explain how the rules affect your situation.