"The Proven Solution to Faster Medicaid Approval . . .

While Preserving More Assets"

Combining the Art and Science

of Long-Term Care Medicaid

with the Power of a Personalized Plan to Provide Payments for

Needed Care without Worry or Financial Waste

Education in Elder Care

Explore, Focus and Select Your Elder Care Options - Free!

Discover how to Identify Your Countable Assets for Medicaid, Without sharing your family's information with a government worker.

Elder Care Starter Pack

The Four Care Options

Protecting You During Life's Changes

Our Elderly Care company has seen the pressure that can overwhelm families when facing some of life's tough challenges.

How do we afford quality long-term care?
If my spouse is in the Assisted Living, how will I have enough money to maintain myself at home and in the community?
How can I minimize the deferred tax hit on qualified assets like 401(k)s and IRAs?
How do I maximize my estate value, while paying for long-term care?

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Please browse our elderly care company site to discover our elder care services.

Elder Care Financial Services in Idaho

What our clients are saying. . .

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Recent WINS here at Elder Care Financial

Eileen is 92 and has been in the Nursing Home for some time. She had Long-Term Care insurance, but now that it had ended, the family was looking for assistance with Medicaid and any options on preserving some or all of the remaining assets.

Based on the initial assessment, we began heading in one direction, but then, upon reviewing the documents we had to change directions.

For one, I had understood the home was in a Living Trust and it ended up having a Life Estate - and these are treated differently.

Also, I thought Eileen had income from an IRA, but it turned out to be Withdrawals from a Mutual Fund. Again these two things have different rules that apply.

In the end, the BIG change was finding that the Long-Term Care Insurance was a "Qualified Partnership Plan". Basically, several states decided that they would create an INCENTIVE for people to buy Long-Term Care Insurance.

If families bought certain "Qualified Partnership" policies, then Medicaid would DISREGARD the amount paid by the policy both for Medicaid Eligibility and Medicaid Estate Recovery.

By using this rule, Eileen could have over $160k in assets, and STILL QUALIFY for Medicaid. . .

Not only that, Medicaid would NOT come after that $160K+ after Eileen passes - it can go to her children!