ElderLawLocator

Resources for hard family moments

Elder care guides for families trying to make the next right decision

These guides are organized around the moments that usually push families to search: a parent is leaving the hospital, living alone no longer feels safe, a scam call created panic, or care bills are becoming real.

Medicaid planning: protecting assets and the home

For families trying to qualify a parent for long-term-care Medicaid without losing everything they spent a life building. These connect: the look-back, the income cap, the spend-down, and what the state can recover later.

How to protect assets from a nursing home

The full map of legal options — advance trusts, the look-back, spousal protections, exempt transfers, spend-down — and the informal-gifting mistake that undoes them.

What a Medicaid planning attorney does (and what it costs)

How attorneys help families qualify for Medicaid, the 5-year look-back, and how to protect assets within the rules.

The 5-year Medicaid look-back, explained

How the look-back period works, what triggers a penalty, what is exempt, and how families legally protect assets with early planning.

Medicaid spend-down, explained

How to reduce countable assets or income to qualify — legally — and why spending on yourself is allowed but gifting to family triggers a penalty.

Medicaid asset protection trusts (MAPT), explained

How an irrevocable trust can shield a home and savings — but only if set up 5+ years ahead and only by giving up control. The trade-offs families miss.

Miller Trust (Qualified Income Trust), explained

How a QIT lets people over the Medicaid income cap still qualify for nursing home care in income-cap states like FL, TX, GA, and OH — and the one thing it cannot do.

IRAs, 401(k)s, and Medicaid: does retirement money count?

Whether a retirement account counts depends on your state and on payout status. How IRAs and 401(k)s are treated, and the costly mistakes to avoid.

Medicaid estate recovery: can the state take the house?

After death, states must try to recover what Medicaid paid for long-term care — often from the home. Who is protected, what is exempt, and why it is so state-specific.

Lady Bird deeds (enhanced life estate deeds), explained

A probate-avoidance tool available in only a few states (FL, TX, MI and others) that can help keep a home out of estate recovery — and the limits families miss.

The caregiver child exemption, explained

How an adult child who lived in and cared for a parent can receive the home without a Medicaid look-back penalty — the strict requirements and the proof that decides it.