Protect Your Future with Medicaid Planning
At Rutkowski Law Firm, we help Michigan families preserve their assets while ensuring they receive the long-term care they need.
"We are so very grateful for all of the help from the Rutkowski team, to get our parents' finances in order and to get them settled in long term care. We were overwhelmed but thanks to the team's kindness, dedication, and hard work, our parents are well cared for and the finances are all in place. Highly recommend!"
“I can’t recommend Rutkowski Law Firm highly enough for their incredible support and guidance as we explored elder law options for my father. From the very first consultation, it was clear that their team is not only highly competent and knowledgeable but also genuinely compassionate. They took the time to understand our unique situation, answered every question with patience, and offered creative suggestions tailored to my father’s needs...
Michigan Medicaid Planning Firm Serving Clients Throughout the State
Long-term care planning, also known as Medicaid planning, is for people who are healthy now but want to ensure that, if they become incapacitated, they will be able to get the care they need without losing their life savings.
- Medicaid Eligibility Planning
Our attorneys help you legally structure your assets to qualify for Medicaid benefits while preserving your wealth.
- Long-Term Care Asset Protection
We develop strategies to protect your assets from the high costs of nursing home care and medical expenses.
- Irrevocable Medicaid Trusts
Set up an irrevocable trust to transfer assets and maintain Medicaid eligibility without sacrificing your estate.
- Medicaid Crisis Planning
If you or a loved one is already in a nursing home and facing high costs, we can provide emergency Medicaid strategies.
- Lady Bird Deeds
Use an Enhanced Life Estate Deed to transfer property while avoiding Medicaid estate recovery and probate.
- Spend-Down Strategies
We guide you through legal ways to reduce countable assets to meet Medicaid’s financial qualifications.
- Special Needs Planning
Create trusts to provide for loved ones with disabilities while preserving their government benefit eligibility.
- Veterans Benefits & Medicaid
We help veterans and their spouses coordinate VA benefits with Medicaid planning for long-term care coverage.
- Healthcare Power of Attorney
Ensure a trusted person can make medical decisions on your behalf in case of incapacity.
- Funeral & Final Expense Planning
Prepay funeral and burial expenses to reduce countable assets for Medicaid eligibility.
- Gifting & Asset Transfers
Understand Medicaid’s five-year look-back rule when transferring assets to loved ones.
- Appealing Medicaid Denials
If your Medicaid application is denied, we can help you appeal and fight for the benefits you deserve.
Virtual Medicaid Planning Process
Our promise to you: A lifetime of education and support for you and your family. We guide you through every step of Medicaid planning to ensure you receive the care you need without sacrificing your assets.
Education & Initial Meeting
- Watch Rutkowski Law Firm welcome email video
- Attend a virtual workshop
- Participate in a Rutkowski Law Firm CE Course
Virtual Initial Consultation
- Discuss your family goals and concerns in more detail
- Get your questions answered
- Make a decision and sign fee agreement
- Introduction to Medicaid Legal Team
Medicaid Planning Meeting
- Confirm Medicaid strategy with Legal Team
- Provide and review requested documentation
- Provide assistance with nursing home placement when needed
Submit Medicaid Application
- Apply for Medicaid benefits with normal nursing home application once all documents are received
- *Preferred Medicaid application timeline: Within 30 days
- OR apply with a retroactive application after 30+ days if necessary
Response Time from Medicaid
- Medicaid has 45 days to respond once application is submitted
- May receive denial for Medicare cost share — DO NOT PANIC
- Medicaid mailings and requests for more documents may occur
Medicaid Decision & Annual Redetermination
- Determination notice is sent from Medicaid
- Communication from our firm about decision and next steps
- Annual redetermination starts one year after approval
- Must show Medicaid recipient is still eligible for benefits
- Our firm is here to guide you through the first year and beyond
Medicaid Planning Guide
Long-term care costs can quickly drain your savings, but Medicaid can help cover nursing home, assisted living, and in-home care expenses. With proper planning, you can qualify for benefits while protecting your assets and ensuring financial security for your loved ones.
Download our Free Medicaid Planning Guide to learn how to navigate the application process, meet eligibility requirements, and avoid costly mistakes. Take control of your future—get your free guide today!
Common Questions About Asset Protection
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Estate Planning Team
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“Their whole team was amazing to work with! The attorneys were very knowledgeable and made it easy to understand. We chose virtual planning process option because it was so much more convenient with my work schedule but they offered to meet in person too of we didn't do zoom. Highly Recommended!”
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