Medicaid Planning

Medicaid Planning


Medicaid: The Department of Home and Community Services (DSHS) is part of Washington state government. They help low income seniors get support and services when long-term care is needed at home or in a community setting. 


           "State Law was not written to impoverish both spouses because one of them needs care."


What is Medicaid Planning? 

Medicaid Planning is creating a plan to move assets around in such a way that they do not prohibit you from qualifying for Medicaid long-term care financial assistance. This planning allows for the following goals:

  1. Allows married couples to protect assets from being spent down to qualify for Medicaid. The healthy spouse still needs those accumulated funds to meet their regular daily living expenses, possibly for many years to come.
  2. Allows single people to set aside assets for final expenses.
  3. Creates a time sensitive plan to avoid the gap between liquidation of funds and Medicaid qualification.


          "If you are married, you do not need to spend all of your assets in order to qualify for                   Medicaid! "

Who needs Medicaid Planning?

 Our experience has shown us the following situations that would benefit from Medicaid Planning.


1 - A married couple with assets greater than $70,000.

2 - Single people with assets totaling $40,000 or less AND married couples with $60k or less - (overwhelmed/stressed/significant benefit to expedited qualification)

3 - A Married couple with assets of $70,000 or less.

4 - Single with assets $40,000 or greater who is being represented by a sibling or child.


What can I do now?

That depends on your own personal situation:


          Read what previous clients have said about our services!


The Medicaid qualification process is extremely difficult and overwhelming. It requires people to complete difficult and time sensitive tasks during an emotionally straining period for the family.


Our purpose is to:

1. Save our clients thousands or hundreds of thousands of dollars of retirement savings. 

2. Help our clients get support paying for their spouse or parent's Long-Term Care by qualifying for Medicaid.


Medicaid planning is one of the services that Planning4LTC provides to its clients.

Medicaid Planning services include:

  • Document Preparation
  • Assisting with the application process
  • Maximizing asset retention
  • Coordinating with Medicaid attorneys and accountants
  • Troubleshooting Medicaid applications with DSHS
  • Referrals to sources that can meet medical needs
  • Accelerating qualification

If you’ve determined that you or your loved one will need Medicaid soon, you should definitely start the process now by scheduling a consultation. 

The Medicaid application process, on average, can take 4 months in the State of Washington to complete. It is important to start early.


Click to read about some of  the falsehoods and half truths you

may have heard about Medicaid