The cost of long-term care is a growing concern for Michigan seniors, with many using up their entire savings to cover nursing home or in-home care expenses. This financial burden can leave surviving spouses in distress and prevent individuals from leaving a legacy for their children. Our Sterling Heights Medicaid planning attorneys help families access Medicaid benefits that cover care costs while protecting their assets. Whether planning for the future or handling an immediate crisis, our experienced team ensures you have the legal guidance needed to navigate Michigan’s Medicaid system.

Medicare vs. Medicaid: Which One Applies to Your Situation?

Medicare provides federal health insurance to those 65 and older and individuals with disabilities, covering routine healthcare expenses but not long-term care. Many seniors assume Medicare will pay for nursing home care or in-home assistance, only to find out that these services must be paid for out of pocket. This can be a devastating realization for families who are unprepared for the high costs associated with long-term care.

Medicaid, on the other hand, is a state and federally funded program that offers financial assistance to those who qualify, covering essential long-term care services. Because Medicaid eligibility is based on income and asset levels, many individuals must engage in careful planning to ensure they meet the requirements without sacrificing their financial security. Working with an elder law attorney can help families navigate the complexities of Medicaid planning and secure the care they need.

Michigan Medicaid: How to Secure the Benefits You Need

Navigating Michigan’s Medicaid system can be overwhelming, especially with the program’s strict asset limits. Without experienced legal advice from Mannor Law Group, real estate and retirement savings may prevent you from qualifying for essential benefits. If your assets exceed Michigan’s Medicaid thresholds, our knowledgeable attorneys can implement strategies to shield your property while maintaining eligibility. We understand the complexities of Medicaid planning and are committed to helping you access the support and care you deserve.

FAQs by Sterling Heights Clients

How Strict Are Medicaid’s Financial Limits for Eligibility?

Medicaid programs require applicants to meet strict financial limits on income and assets, which differ by state. Countable assets and monthly earnings play a significant role, making knowledge of these thresholds essential for effective Medicaid planning.

How far back does Medicaid check asset transfers, and how does it impact eligibility?

Understanding Medicaid’s look-back period is crucial, as it reviews past asset transfers for compliance. If any transfers violate regulations, applicants may face penalties or delays, emphasizing the need for careful planning.

What role do trusts play in protecting assets and securing Medicaid coverage?

Certain types of trusts, like supplemental needs trusts, can offer a way to preserve assets while maintaining Medicaid eligibility. Since Medicaid has strict regulations, having an elder law attorney oversee the trust’s creation is vital for success.

Future-Proof Your Care with Thoughtful Medicaid Planning

If you or your loved one is currently in good health, Medicaid may not seem like an immediate concern. However, the cost of long-term care can quickly drain savings, making proactive planning essential.
We work with you to develop a Medicaid strategy that meets asset requirements while preserving your financial security. By leveraging estate planning tools, we ensure that your resources are protected for the future.
This careful planning allows you to access benefits while keeping assets intact. Be cautious when considering gifting assets—improper transfers can lead to Medicaid disqualification for years.

Whether you need Medicaid planning or emergency assistance, our experienced attorneys are here to help—contact us today!

The need for full-time care can come with little notice, creating an immediate financial burden for families. Many seniors do not qualify for Medicaid due to their assets, leaving loved ones scrambling to find solutions. Without expert legal guidance, securing benefits while preserving savings can be challenging. Our Grand Blanc Medicaid planning attorneys at Mannor Law Group can help create a clear path to eligibility. Read how we’ve assisted other families—visit our client testimonials.