Understanding the 5-Year Look-Back Rule: What Michigan Families Need to Know About Medicaid Spend-Down
Early planning is the key to protecting assets and securing care—here’s how the look-back rule works and what to do now.

Founder / Attorney

Michael L. RutkowskiDecember 3, 2025
Whether it’s a weekend in Chicago, an extended stay with family in Florida, or a long-awaited trip overseas, there’s one critical detail many travelers overlook: making sure your legal documents are ready to protect you if something unexpected happens away from home.
The powers of attorney and healthcare directives you set up in Michigan may not provide the same level of protection once you’re out of state or out of the country.
Every state has its own requirements for recognizing legal documents, and these differences can be critical in an emergency. For example:
If you depend solely on your Michigan documents while away, your chosen decision-makers could encounter avoidable obstacles just when you need help the most.
We help frequent travelers, snowbirds, international families, and business professionals prepare powers of attorney and healthcare documents that truly work in real-world situations. Some of the strategies we commonly recommend include:
No one enjoys thinking about the “what-ifs” when planning a trip. But by making sure your legal documents are in place, you’re giving yourself—and your loved ones—one of the greatest gifts: peace of mind.
With the proper support, you can travel knowing that your wishes will be respected, your finances will be managed, and your healthcare decisions will be followed, wherever your journey leads.
Estate Planning is an essential process that will protect your assets and ensure you’re your estate is distributed according to your wishes after your death.
Many people make mistakes when creating their estate plan, which can lead to unnecessary stress, confusion, and costly legal battles for their loved ones. Below, our estate planning team put together the top 10 and most common mistakes we see in estate planning.

Early planning is the key to protecting assets and securing care—here’s how the look-back rule works and what to do now.

Founder / Attorney
Not all asset sales are treated the same under Medicaid. Here’s how to avoid costly mistakes.

Founder / Attorney
A quick January check could prevent costly estate planning mistakes down the line.

Founder / Attorney