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When facing the high cost of long-term care, Medicaid 4 You can help you...

Your #1 Choice for Medicaid Planning in

Iowa and Minnesota

Dealing with a loved one in a nursing home can seem overwhelming, but


Regardless of whether one is single or married, Long-Term Care Medicaid is available to everyone who needs it but lacks the monthly income to pay for it. There are many strategies that can protect your assets from the devastating cost of nursing home care. And best of all, you don't have to go it alone in navigating Medicaid's complex rules. 


Where should you start?  What should you do?  The Medicaid 4 You team knows the answers.

Protecting assets from the long-term care spend-down requires skill and Medicaid 4 You has the expertise to help guide you through the whole process. Read more about the Medicaid 4 You team by clicking here.


Become Eligible For Long-Term Care Medicaid While


The need to plan for nursing home care can arise from an unexpected medical crisis or from the early diagnosis of a slowly developing ailment. Without sound legal advice, people in this situation can make poor decisions that can consume their life savings and lead to significant financial hardship.

Medicaid 4 You helps people make the right decisions about their assets and nursing home care to avoid costly mistakes. We handle a variety of elder law matters for people throughout both Iowa and Minnesota.  We have helped countless individuals safeguard their assets, while becoming eligible for assistance with long-term care from Medicaid. Don't hesitate to contact us for your free consultation.

Are You Eligible For Long-Term Care

Medical Assistance?

To qualify for Long-Term Care  Medicaid, a person must:

  • Be eligible for a (skilled) nursing facility – Those already residing in a nursing home most likely will qualify under Medicaid rules as needing skilled nursing care.  For others, Medicaid will assess whether or not they need to be in a nursing home before making any approval.

  • Not have too much income.

  • Have only assets that don’t exceed what’s allowed, or that are not counted towards eligibility.

  • Not give away assets. Medicaid requires patients to first exhaust their own funds for their care before applying for coverage. Under Medicaid rules, assets given away during the five year period prior to applying for coverage are still considered patient assets. The good news is that we have strategies that may undo or at least lessen the impact these gifts have on your eligibility. 


Medicaid 4 You ​can help determine the best strategy to use and guide you through every step of the process.  Contact us today for a free consultation.

Long-Term Care Medicaid Planning for 


Long-Term Care Medicaid planning is not just for married couples, button also benefit single individuals. Medicaid planning for a single person begins with an assessment of assets and income as well as any gifts within the five year look-back period to determine the best strategy to use.

A spenddown is usually required in order for the individual to qualify for Medicaid.  Countable assets include bank and investment accounts, life insurance policies, multiple automobiles, and non-primary residence real estate. 

We are experienced in helping people navigate the process and protect the largest amount of assets the law allows.  Contact us today for a free consultation

Long-Term Care Medicaid Rules for 


One spouse in the couple often requires care before the other spouse. The partner who does not yet require long-term care is known as the community spouse.  It is possible to protect assets for the community spouse so that the institutionalized spouse becomes eligible for Medicaid without financial devastation. The community spouse is allowed to keep his or her income and is not required to contribute any of it toward the nursing home care of their spouse.

Medicaid rules allow a Community Spouse Resource Allowance ("CSRA") that protects a certain portion of assets for the individual still living at home. There is a formula specific to each couple that applies for Medicaid assistance and the protected amount can range from $26,076 to $130,380. The CSRA calculations can be extremely complicated, so we encourage you to contact us for a free consultation and we will help you determine your protected amount and how to protect the rest of your assets. 

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