Medicaid Long-Term Care Protection

We have personally experienced the emotional and financial strain when a loved one needs long-term care. We work with top professionals to build a plan to help lessen the financial burden and protect as much of the assets and property that has been worked so hard to obtain while qualifying for Medicaid for the Long-Term Care that is needed.

What LTC Benefits Can Medicaid Cover?

Medicaid Long-Term Care (LTC) benefits in Kentucky primarily cover necessary services for individuals who meet specific eligibility criteria, focusing on both institutional and community-based care. For those needing a nursing home, Medicaid could cover costs like room and board, personal care, skilled nursing, and medication administration. For those who prefer to remain at home or in the community, Medicaid could cover in-home personal care and potentially other services. 

Protecting your assets from "spend-down"

Your family has worked hard for the property and assets that have been accumulated. If there is a Long-Term Care (LTC) event without LTC insurance in place, self-funding could wipe out your hard-earned assets to pay for the needed care before Medicaid would provide financial assistance. 

You may wonder some/all of the following:
  • Can we preserve assets for your loved one to have dignity while receiving the care and Medicaid benefits they need?
  • Can we keep a house or a farm in a family while getting the Medicaid benefits we need?
  • Can we preserve assets for a healthy spouse while an institutionalized spouse receives Medicaid benefits?
  • Can we preserve assets for the next generation while a family member is receiving Medicaid benefits for their LTC care?

The answer to all of these questions is "yes" if you do the appropriate planning. We can help!

Pre-Planning is typically the most efficient and effective method of protecting your assets from a LTC event. Consult with a member of our team and allow us help guide you on steps to accomplish your goals.

Emergency Planning is when a Nursing Home or Long-Term Care event is imminent, and pre-planning has not taken place. Our team can help you navigate this confusing and stressful time and in most cases, find opportunities to preserve more assets then by going it alone or just working with the resources at a facility.
(859) 491-5100​
217 Fairfield Avenue
Bellevue, KY 41073​
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​Case Studies
Read about actual cases where individuals were able to preserve assets and get the care they needed. Note; these are just a few examples and there are many other potential scenarios to consider.
Note: Names have been changed to protect the identity of those involved in the cases. Also, while the numbers included are real, they have been rounded for ease of summarizing these cases.