Helping Families With Medicaid Planning

Put Everything In Place Today. Be Prepared For Tomorrow.

Many people who are planning their estate or who have been ill are concerned about spending all their money on health care or giving it all to the government to access Medicaid insurance.

Your fears can be lessened by clearly understandable answers. At the Camden and Lewes Law Offices of Bonnie M. Benson, P.A., we give you the answers you need to make informed decisions in your best interests about Medicaid planning, long-term health care planning and estate planning.

Medicaid Questions? Medicaid Planning Answers Here | Call 302-549-0160 | Contact Us Online

We have helped clients successfully apply for Medicaid and plan for health care issues for more than 40 years.

We Explain The Medicaid Process

Lawyer Bonnie M. Benson can sit down with you and explain how the Medicaid process works, take a careful look at your financial situation and help you understand how to qualify for Medicaid.

If you plan your estate far enough in advance, there may be ways through our variety of planning tools and by using trusts to preserve your assets prior to any need for Medicaid.

Special Miller Trust To Qualify For Medicaid

A Miller trust or assigned income trust is a type of trust that qualifies a Medicaid applicant for Medicaid if he or she has too much income. Eligibility revolves around your level of assets, income and medical need. A Miller trust funnels the income of the applicant into the trust and then apportions out living expenses to the trustee.

If Your Spouse Is In A Nursing Home

If your spouse is in a nursing home and you have limited resources, please visit our office before you get into a difficult financial situation. Attorney Bonnie M. Benson will sit down with you in an initial consultation and help you understand how we can help you. We have a deep familiarity with the Medicaid process and can help you get through this.

Quick Turnaround, Positive Results

We can turn your case around quickly because we are aware that the timeline for having your Medicaid application evaluated is on a strict deadline. Many professionals refer clients to us because they know we will get the job done right.

Since Medicaid law changed in 2006, there is a five-year look-back on gifts that you may have given away from your estate.

Navigating Medicaid Enrollment And Asset Protection

The Medicaid application process often involves complex paperwork and requirements. As your legal ally, our team can help you manage the details and avoid common pitfalls that lead to delays or denials.

Here is how we guide you through the process:

• Reviewing your situation: We begin with a detailed conversation to understand your health care needs, your family goals and your financial picture.
• Developing a personalized plan: Next, we create a legal strategy to protect your assets while meeting Medicaid’s strict financial rules.
• Gathering necessary documents: Our team helps you collect and organize every required document, from bank statements to property deeds, to build a strong application.
• Completing and filing the application: We carefully prepare and review your Medicaid application to ensure it is accurate and complete.
• Managing communication: Once we submit the application, we handle all communication with the Medicaid agency on your behalf.

Our goal is to lift this burden from your shoulders. With our team handling the complex paperwork and government correspondence, you can focus on what matters most: your health and your family.

Have Questions About Medicaid?

We believe clear information helps you make confident decisions. Below, we have provided answers to some of the common questions we hear from families just like yours.

Do I need a Medicaid enrollment lawyer to help me apply?

While the law does not require you to hire a lawyer for your Medicaid application, the process is often very complex. The application demands detailed financial information and strict adherence to complicated rules. A simple mistake on your paperwork can, unfortunately, cause long delays or even a denial of benefits. An experienced attorney helps you avoid these costly errors from the beginning.

Can I protect my home and savings if my spouse needs nursing home care?

The law allows the spouse who remains at home to keep a portion of their joint assets without affecting the other spouse’s Medicaid eligibility. Your primary home often receives special protection under these rules, allowing you to continue living there while your spouse receives care. The exact amount you can protect depends on your specific situation and current Medicaid regulations. As your legal team, we can help you create legal plans that maximize these protections while managing nursing home costs.

What is the Medicaid five-year look-back period in Delaware?

The Medicaid five-year look-back rule affects how you qualify for help with long-term care in Delaware. When you apply for Medicaid, the state reviews your financial history for the past five years. They look for any money or property you gave away or sold for less than its true value. This matters because giving away assets can delay your benefits. If the state finds such transfers, it will create a waiting period. During this time, you must cover your own care costs before Medicaid starts to help. The length of this waiting period depends on how much you transferred and the current cost of nursing home care in Delaware.

Contact Us Today

Please call 302-549-0160 to schedule your appointment with us today.