Protecting Assets While Accessing Long-Term Care Benefits
The cost of long-term care can quickly overwhelm even careful savers. Many families are surprised to learn that Medicare does not cover extended nursing home or in-home care—and that paying privately can drain assets far faster than expected.
Medicaid planning helps eligible individuals access needed care while protecting spouses, homes, and family resources. At Dublin Packard Elder and Estate Attorneys, we guide families through the Medicaid process thoughtfully, legally, and with an understanding of the emotional stress involved.
When Medicaid Planning Matters
Medicaid planning may be appropriate if you or a loved one:
-
Need nursing home or long-term care services
-
Are paying privately and worried about how long assets will last
-
Want to protect a spouse remaining at home
-
Own a home or other assets you hope to preserve
-
Are facing a care crisis or planning ahead for future needs
-
Are confused by complex eligibility rules and requirements
Early planning often provides more options—but guidance is valuable even during a crisis.
How We Help
Medicaid planning involves more than completing an application. We help families understand their options and navigate the process, which may include:
-
Reviewing income and asset eligibility
-
Advising on permissible planning strategies
-
Coordinating Medicaid planning with estate and asset protection goals
-
Preparing and submitting Medicaid applications
-
Communicating with agencies and responding to requests
-
Planning for the ongoing needs of a community spouse
Our focus is on lawful planning that protects dignity, stability, and family well-being.
Common Mistakes We See
-
Waiting too long to seek guidance
-
Spending assets unnecessarily before understanding options
-
Making transfers that create penalties or delays
-
Assuming Medicaid automatically takes the home
-
Relying on incomplete or inaccurate advice
Proper planning can help families avoid costly errors and unnecessary stress.
How Medicaid Planning Fits With Other Services
Medicaid planning often works hand-in-hand with:
-
Long-Term Care Planning, to evaluate care options
-
Asset Protection, to safeguard spouses and homes
-
Elder Law, as health and care needs evolve
-
Estate Planning, to update documents and authority
-
Care Navigation, to support families during transitions
Many families first come to us in a crisis—and later engage in broader planning once stability is restored.
Let’s Talk About Your Situation
Every Medicaid case is different, and the right approach depends on timing, assets, and family circumstances.
If you’re concerned about paying for care—or want to plan ahead before a crisis— we’re here to help you understand your options and next steps.
As a first step, schedule a brief introductory phone call. In this 20-minute phone call, you will provide a brief overview of your needs, and we will let you know how we can help.
