Nursing home and in-home care costs continue to rise, creating financial hardship for many Michigan seniors. Without a solid plan in place, individuals risk losing their life savings to long-term care expenses, leaving nothing behind for their spouse or children. Our Lansing Medicaid planning attorneys assist families in securing Medicaid benefits to cover care costs while preserving their financial stability. Whether you need to plan ahead or require immediate assistance, we have the knowledge and experience to help navigate Michigan’s Medicaid system.

Medicare or Medicaid? Understanding Which One Fits Your Needs

Medicare is a federal program offering health insurance for individuals 65 and older and younger people with disabilities. It provides coverage for doctor visits, hospital stays, and medications but does not cover the cost of long-term care. This can be a significant financial burden for families, as nursing home care and in-home assistance can cost thousands of dollars per month, quickly depleting savings.

Medicaid is a separate program that provides financial assistance for those who qualify, covering essential services like nursing home care, in-home support, and P.A.C.E. Unlike Medicare, Medicaid is designed for individuals with limited income and assets, making early planning essential. Without proper Medicaid planning, individuals may need to spend down their assets before qualifying for benefits, which can put their financial security at risk.

Who Qualifies for Medicaid in Michigan and How to Apply

Seniors seeking Medicaid benefits in Michigan must comply with strict asset limits to avoid disqualification. Without legal guidance from Mannor Law Group, property ownership and retirement savings could put your eligibility at risk, making it harder to access long-term care assistance. If your holdings exceed the Medicaid threshold, our skilled attorneys can use proven legal strategies to protect your assets while ensuring qualification. We have extensive experience in Medicaid planning and can help you successfully navigate the application process.

FAQs by Lansing Clients

What Is the Maximum Income and Asset Level for Medicaid?

Medicaid eligibility depends on strict financial thresholds, including limits on income and assets that vary by state. Countable assets and monthly earnings impact qualification, making a strong grasp of these restrictions essential for Medicaid planning.

How does Medicaid review past asset transfers during the look-back period?

The Medicaid look-back period helps determine whether an applicant has transferred assets in a way that affects eligibility. If improper transfers are found, penalties may be imposed, delaying qualification for essential care.

Are trusts a useful tool for preserving assets while applying for Medicaid?

Trusts such as supplemental needs trusts can allow individuals to maintain Medicaid eligibility while protecting their assets. However, these trusts must be carefully drafted to comply with Medicaid’s strict guidelines. Consulting an elder law attorney is essential for proper planning.

Strategic Medicaid Planning: Preparing for Future Needs

Medicaid planning isn’t always a priority when you’re healthy, but waiting until care is needed can put you in a difficult financial situation. Many people don’t realize the high costs of long-term care until it’s too late.
We assist in structuring assets so that Medicaid eligibility is achievable while maintaining financial security. Our approach focuses on estate planning tools that protect savings and prevent unnecessary financial hardship.
By planning now, you can secure future benefits without jeopardizing your assets. Don’t make the mistake of gifting assets to qualify—Medicaid penalties can create significant delays in receiving assistance.

For trusted Medicaid planning, including emergencies, contact our experienced attorneys today for the guidance you need!

Whether long-term care needs develop over years or appear suddenly, the financial impact can be staggering. Many families find their loved ones unable to qualify for Medicaid due to excess assets, creating significant stress. Without legal assistance, this situation can lead to financial hardship and delays in care. Our Grand Blanc Medicaid planning attorneys at Mannor Law Group offer solutions to help seniors become Medicaid-eligible without unnecessary asset loss. Learn how we’ve supported others—explore our client testimonials.