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Quality Legal Care For Medicaid Planning

Medicaid is a program which offers many benefits to Americans. Medicaid is a helpful financial resource for nursing homes and other long-term care options. Medicaid currently pays for nearly 70% of the costs of nursing home care in the United States, and also provides services for assisted living care and in-home care.

These services can be available to any age group who needs assistance, as long as they meet the requirements for eligibility.  To maximize the financial help you can receive, it is critical to work with an experienced, knowledgeable team of lawyers who can help you plan appropriately.

At Severns & Howard, P.C., we have been helping clients through the process of planning for and obtaining Medicaid benefits for many years. With more than 30 years of experience as a law firm, we are considered one of the most knowledgeable firms in the Indianapolis area in all types of legal issues that affect elderly clients. We can walk you through the process of obtaining benefits while minimizing your losses.


There are three primary issues that determine Medicaid eligibility in Indiana: Assets, Income, and Transfers of Assets.

Assets & Income

The amount of assets that can be kept by Medicaid recipients and their families depends on whether or not the applicant is married, and if so, whether the applicant’s spouse is still living in the community and whether the type of assets owned count for Medicaid purposes.

Generally, all of the income of Medicaid recipients must be paid toward the cost of their medical care, with Medicaid covering any remaining costs. Each recipient, however, is allowed to keep $52.00 each month for personal use. The Medicaid rules do not require that the income of the Community Spouse be spent on the Medicaid recipient’s care. Also, if the Community Spouse has a low monthly income, it is possible for the Community Spouse to get an allowance from the income of the Medicaid recipient spouse.

Transfers Of Assets – The Look-Back Period

There can be a period of Medicaid ineligibility for applicants and their spouses who have transferred assets without receiving full value for the assets within the last five years. Medicaid “looks back” five years from the time you file for benefits. Since Medicaid is only available to people who fall beneath a certain income threshold, the people administering the program want to be sure that no one is intentionally giving away their assets at the last minute just to qualify for benefits.

The look-back period is intended to prevent this. Any assets you have given away or sold in the previous five years will count as assets that can count against your eligibility. Due to the look-back period, it is critical to prepare well in advance for your long-term care needs.

Contact Our Experienced Attorneys Today

Our firm is knowledgeable in not only helping you with planning for your long term care needs if you were to need a benefit such as Medicaid. However, if you did not plan ahead, we have the experience and expertise to help at the time of need or crisis and can help make sure you are eligible to obtain the benefits you need.

Do not delay in contacting us to discuss your Medicaid eligibility or other long-term care options. Call us at 1-800-335-3971 or email us today to schedule a consultation.