Medicaid Planning

Protecting Your Assets While Securing Quality Care

Long-term care can be expensive, and many families worry about how they will afford it without losing everything they’ve worked for. At Coastal Probate Trust & Elder Law, we help individuals and families navigate Medicaid planning in Pensacola, ensuring they can qualify for benefits while protecting their assets.

Without proper planning, you may be forced to spend down your savings before receiving assistance. We provide strategic Medicaid planning solutions to help you access the care you need without unnecessary financial loss.

What Is Medicaid Planning?

Medicaid planning is the process of legally structuring your assets to qualify for Medicaid benefits while preserving as much of your estate as possible. Medicaid covers nursing home care and long-term medical expenses, but eligibility rules can be complex. Without careful planning, many people spend down their assets unnecessarily before qualifying for benefits.

  • Qualifying for Medicaid without depleting life savings

  • Protecting your home, savings, and financial assets

  • Ensuring spouses and loved ones are not left financially vulnerable

  • Reducing the risk of Medicaid estate recovery claims

How We Help You Qualify for Medicaid While Protecting Assets

We take a personalized approach to Medicaid planning, ensuring that your financial, legal, and healthcare goals align.

  • Structuring Assets for Medicaid Eligibility

    Many people believe they must spend everything before Medicaid will help, but legal planning can prevent unnecessary asset loss. We help:


    • Implement Medicaid-compliant trusts to preserve financial security
    • Structure assets to ensure eligibility without excessive spend-downs
    • Protect your home from Medicaid estate recovery

  • Using Trusts & Legal Tools for Asset Protection

    Medicaid has strict rules regarding asset transfers and ownership. Without proper planning, gifting or transferring assets incorrectly can result in penalties or delays in benefits. We help:


    • Set up irrevocable trusts to legally shelter assets
    • Protect inheritances & retirement accounts from Medicaid restrictions
    • Create spousal protections so your loved one isn’t left financially vulnerable

  • Qualifying for Medicaid Without Losing Your Home

    Your home is often one of your most valuable assets, and many people worry about losing it to Medicaid estate recovery. We use strategies to ensure:


    • Homestead exemptions & legal protections keep your home safe
    • Medicaid-compliant ownership transfers allow property to stay in the family
    • Proper planning prevents forced sales of real estate for care costs

  • Minimizing Medicaid Penalties & Look-Back Period Issues

    Medicaid has a five-year look-back period that examines financial transfers and gifts. If assets were transferred incorrectly, you could face penalties or delays in receiving benefits. We help:


    • Review past financial transactions to identify potential Medicaid penalties
    • Implement corrective strategies to minimize disqualification risks
    • Ensure all transfers are Medicaid-compliant before you apply

  • Helping Families Navigate Crisis Medicaid Planning

    While early Medicaid planning is ideal, we also help families who need immediate assistance. If a loved one suddenly requires nursing home care, we provide urgent legal strategies to:


    • Preserve assets, even in last-minute situations
    • Assist with Medicaid applications & eligibility challenges
    • Protect family finances while securing quality long-term care

Take the Next Step in Securing Your Medicaid Benefits