Planning for long-term care and Medicaid eligibility can be complex, but it’s essential for protecting your assets while ensuring access to quality care. We provide personalized strategies to help you navigate these challenges with confidence and peace of mind.

Medicaid planning ensures you can qualify for government assistance with long-term care costs without depleting your savings. In Maryland, Medicaid eligibility is based on strict income and asset limits, and the state enforces a five-year look-back period to prevent asset transfers intended to qualify for benefits. Proactive planning can protect your hard-earned assets while securing the care you need. Our services include:

• Evaluating eligibility under Maryland Medicaid guidelines.
• Structuring assets to meet Medicaid requirements while preserving wealth.
• Creating irrevocable trusts to protect savings from the look-back period.
• Transferring property within Medicaid’s allowable limits to avoid penalties.
• Advising on spend-down strategies to reduce countable assets while preserving your financial well-being.

With proper planning, you can qualify for Medicaid while ensuring your spouse, children, or other loved ones are financially protected.

Long-term care planning helps you prepare for future healthcare needs without jeopardizing your financial security. Whether considering in-home care, assisted living, or a nursing facility, we guide you through strategies that protect your assets while ensuring access to quality care. Our approach includes:

• Reviewing long-term care insurance options, including hybrid policies.
• Structuring income and assets to cover future care without affecting Medicaid eligibility.
• Developing strategies to minimize out-of-pocket expenses while preserving assets.
• Creating trusts, such as Medicaid Asset Protection Trusts (MAPTs), to safeguard wealth.
• Coordinating with healthcare providers and financial planners for seamless care transitions.

In Maryland, long-term care costs can quickly deplete savings, with nursing home care averaging $10,000–$12,000 per month. Early planning can secure peace of mind for you and your family while protecting your financial legacy.

Long-term care and Medicaid planning can feel overwhelming, but you don’t have to navigate it alone. Our experienced team provides compassionate, personalized solutions to ensure you receive the care you need while preserving your assets for the next generation. Maryland’s unique Medicaid rules and estate recovery process make proper planning essential—let us guide you every step of the way.

© 2025 Law Offices of Clifford M. Cohen | Phone: 202-895-2799
5335 Wisconsin Ave NW #440, Washington, DC 20015