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. RutkowskiNovember 19, 2025
Every year, countless adult children come home for the holidays and sense that something has changed. The decorations may be in place and traditions observed, but underneath, something isn’t quite right. Bills are left unpaid, medications are out of order, and a once attentive parent may now seem forgetful or withdrawn.
It’s a situation many families don’t anticipate, but it often points to a deeper need for extra support.
Phone calls and video chats help us stay in touch, but they don’t always capture the whole picture. When you’re present at a holiday visit, you may notice early warning signs that something is amiss, including:
These signs may not seem concerning. Together, however, they could indicate cognitive challenges, social isolation, or potential financial exploitation.
If you come across these warning signs, it doesn’t mean you need to step in and take control immediately. Often, the best approach is rooted in empathy and collaboration. Consider:
Most parents value this kind of assistance, especially when it’s delivered with respect and genuine care.
What should I do next? That’s completely understandable. You don’t need to have all the answers, but you do have access to support. Our team is here for Michigan families, helping assess existing legal protections, fill in any gaps, and create proactive plans that honor your loved one’s wishes.
Sometimes, this involves updatingpowers of attorney or trusts. Other times, it could mean taking steps to safeguard a home from long-term care expenses or clarifying medical directives. Whatever your family’s situation, we’re ready to help you take confident steps forward—before you’re faced with a crisis.
Whether you’re returning to your childhood home or welcoming parents into yours, this season is a natural opportunity to check in on the people you love—and offer the protection they deserve.
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