Don’t Lose Your Legacy
Protect Your Family’s Inheritance from Medicaid
You’ve worked your entire life to build a legacy — your home, your savings, your security. But as health needs increase with age, many families face a painful reality: the very system designed to help with long-term care can also threaten to take it all away.
The truth is, Medicaid can pay for essential nursing home or home care, but without the right planning, it can also recover those costs later — from your estate, your home, or even your family’s inheritance. The good news? With proper legal planning, you can qualify for Medicaid benefits while protecting what you’ve earned.
The Hidden Cost of Care
Long-term care is one of the biggest financial risks seniors face.
The average nursing home costs over $10,000 per month.
Home care services can run $5,000–$8,000 per month or more.
Medicare rarely covers these costs long-term — leaving many families relying on Medicaid as their only safety net.
But Medicaid is means-tested — meaning your income and assets must fall below strict limits to qualify. And once approved, the government has the right to seek reimbursement through “estate recovery” after your passing.
Without proper planning, your home — your most valuable asset — could be subject to Medicaid liens or recovery claims, reducing or eliminating what’s left for your family.
Many people wait too long to plan. They assume Medicaid will simply “take care of things” when the time comes. But timing is everything.
Proactive planning lets you keep control of your assets while still qualifying for assistance later. This is where elder law planning makes all the difference.
Some of the most effective tools include:
Medicaid Asset Protection Trust (MAPT)
Allows you to transfer ownership of your home and assets into a trust while still living in and using them. After the owner's passing or five-year look-back period, those assets are shielded from Medicaid recovery.
Gifting and Transfers (Done Right)
Improper transfers can trigger penalties, but strategic gifts — timed correctly and structured legally — can protect assets while maintaining eligibility.
Spousal Protections
If one spouse needs nursing home care, laws allow the other spouse (the “community spouse”) to retain a significant portion of income and assets — but only if handled correctly during the Medicaid process.
Protect Your Family’s Inheritance
Estate recovery is real. Once a Medicaid recipient passes away, the state can file a claim against their estate to recover the cost of care paid. This can mean liens on the family home or depletion of the estate before heirs receive anything.
But advance planning — especially with trusts and legal transfers — can keep assets out of reach of Medicaid while still ensuring care is covered.
Families who plan ahead can:
Stay eligible for care assistance
Protect their home and savings
Avoid probate complications
Pass their legacy intact to the next generation
The Bottom Line:
True independence doesn’t mean going without help — it means being able to choose how and where you receive care, without sacrificing everything you’ve built.
By acting early and planning strategically, you can:
Secure Medicaid benefits when needed
Protect your assets from recovery
Provide for your loved ones after you’re gone
How Moskowitz Legal Group Can Help
At Moskowitz Legal Group, we help families navigate Medicaid eligibility and estate protection every day. Our elder law attorneys design personalized plans that:
Qualify clients for long-term care assistance
Use trusts and legal tools to safeguard assets
Prevent costly Medicaid recovery
Ensure your legacy remains with your family — not the state
Don’t wait until a crisis forces quick decisions. The earlier you plan, the more options you have.
Protect what matters most — your independence, your dignity, and your legacy.
Contact Moskowitz Legal Group today to start your Medicaid asset protection plan.
