• John Todd

Are you an exception to the rule?



We all just LOVE when someone else is an exception to the rule, right?


“Everyone must wear masks . . . except for those who don’t have to. Certain politicians are an exception.”

“Everyone must line up for lunch in the school cafeteria . . . unless you have a friend near the front of the line, who’ll let you cut.”

“No entry into the country without a COVID test . . .”

“All are equal under the law . . . except . . .”

“We are all in this together . . .”


You get the idea. We really DON’T like it when there is a rule for some people, but then the rule is applied in a hypocritical way.

But what about certain exceptions that are given to everyone that meets the rule?

What about, “Everyone must slow down and pull off the road to allow an emergency vehicle with flashing lights to pass.”

Isn’t that an exception to the normal right-of-way driving rules?

And as long as only emergency vehicles use the flashing lights, and as long as they are only used during an emergency, then we are OK with this exception to the rule.

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That reminds me of the rules around Long-Term Care Medicaid.

It seems that everyone has a little bit of information about the rules around Long-Term Care Medicaid, but don’t always recognize when there is an exception.

Just recently, I was working with a family where Mom was in the Nursing Home.

Dad and a disabled daughter were still living at home.

I advised the family that they could gift the home to the disabled daughter, if they wanted to – And there would be NO Penalty against the mom’s Medicaid.

But when they tried to do that, they got conflicting advice:

The attorney told them they probably couldn’t do that

The title company told them that Medicaid would reverse the gift

Friends told them that it was too late – they had to give it away 5 years before Medicaid was needed, or

“If you do that, you are committing Medicaid fraud.”

(Just for the record, I NEVER advise someone to lie to get Medicaid. THAT is Medicaid fraud, and I never encourage someone to commit fraud. The State has a whole army of people verifying and researching to discover fraud.)

But the truth is, each of these “advisors” knew some of the general rules, but they didn’t know the exceptions.

It’s written right in Idaho code, if you know where to look.

I ALWAYS show Medicaid what we are doing, and point them to the rule.

The Medicaid workers MUST follow the rule, whether they want to or not.

You see, the people that wrote the Medicaid rules understand that to take away a house from a disabled child would be like cutting off your nose to spite your face. If you take away the resources for self-support of a younger person, it is likely that the state would have to step in and provide additional support in other forms for MANY YEARS.

There is a reasonableness to the exception to the rule!!!

And what’s even more amazing is this is just ONE Example. There are tons of exceptions to the rule.


But that makes me wonder how many people DON’T get approved for Long-Term Care Medicaid because of bad advice!

What if YOU are an exception to the rule (in the good sense)?

What if your family could be saving thousands of dollars a month by qualifying for Long-Term Care Medicaid?

How would you know?

Who would you ask?


That’s what we do!

We help families qualify for Long-Term Care Medicaid faster . . . and save more money . . .

Do you have questions about your situation?

Pick up the phone and call 208-553-8634 for a free consultation to review your situation.


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