As an elder law attorney practicing in Southern Indiana since 1988, I have seen the panic and desperation in clients’ eyes when they hear “spend down to $2,000.” Having paid taxes their whole lives, built a modest nest egg, and now they are told the nursing home gets it all before Medicaid would step in. But that is not how it has to be. If you plan, even inside the five-year look-back window, Indiana law
If your loved one is in or headed to a nursing home, you may be feeling a bit overwhelmed, especially when it comes to figuring out when to apply for Medicaid. You’re not alone. This is one of the most common questions we hear from families every day. The truth is, timing really does matter. Applying too soon can cause confusion or even delays if financial details aren’t in place yet. But waiting too long can
Myth 1: Estate Planning is Just for the Wealthy Many people in Indiana mistakenly believe that estate planning is only for the rich. This couldn’t be further from the truth. An estate plan isn’t just about money; it’s about protecting your loved ones and your wishes, regardless of your net worth. Even a simple plan can include documents like a Last Will and Testament which controls the disposition of assets that are not jointly owned or
In Indiana, nursing homes or assisted living residents who receive Medicaid benefits must go through an annual redetermination process to confirm continued eligibility. This process—sometimes called “renewal” or “recertification”—ensures that Medicaid resources are directed to those who still meet the program’s financial and medical requirements. As part of the legal representation for our clients, we handle these. Why Redeterminations Matter Medicaid is a joint federal-state program that helps cover the cost of long-term care for individuals
Losing a loved one is an incredibly difficult experience, often compounded by unexpected financial strains. While Social Security is primarily known for retirement benefits, it also provides crucial support to families when a worker dies. These “survivor benefits” can offer a vital financial lifeline during a time of grief and adjustment. When a person who has worked and paid Social Security taxes passes away, certain family members may be eligible for monthly benefits based on