Medicaid Planning

Medicaid Rules

Thanks to advances in medicine and healthcare technology, Americans are living longer than ever before. Many of these same advances, however, have pushed the costs of medical care to all-time highs as well. Living longer also means that more people will require long-term care in a nursing home or assisted living facility, and many seniors struggle to afford such care. At Otte & Czajkowska, LLC, our experienced elder law attorneys help aging individuals and their families analyze their circumstances and organize their assets in such a way so as to qualify and remain eligible for Medicaid benefits.

What Is Medicaid?

Medicaid is a complex benefits program created by the federal government and administered by each state for its residents. There are several different elements of Medicaid, and most of them offer health care coverage to individuals who meet income and personal asset guidelines. Medicaid Long-Term Care is the program that is usually of interest to seniors, as it is intended to help those who require ongoing medical care, including care in a nursing home.

Nursing home care in the Chicago area costs thousands of dollars per month. Such costs can quickly use up any assets or savings a person may have, leaving virtually nothing for the patient's family. With careful planning, it is possible for a person to qualify for Medicaid benefits for long-term care expenses while preserving assets for future generations.

Experienced Lawyers Who Understand Medicaid Rules

As a government program, Medicaid is subject to a large number of complex rules and regulations regarding eligibility. It is important to work closely with a qualified elder law attorney long before you expect to need Medicaid benefits, as the application process often includes a several-year review of an applicant's finances. At Otte & Czajkowska, LLC, we can help you determine if and when you will qualify for Medicaid and when to apply. We will also assist you in arranging your finances so that your assets are fully protected in accordance with the law. Our attorneys provide guidance with the creation of trusts and other asset transfers that will allow you to get the care you need without placing your family in financial jeopardy.

Beginning Medicaid planning well in advance gives you the most options for securing assets while maintaining eligibility for benefits. However, if you or a loved one is currently in need of Medicaid assistance, it is not too late. There may still be avenues available to help you, but it is important to act quickly.

Polish-Speaking Medicaid Attorney in Chicago

Medicaid planning is a complex undertaking for anyone. For those who do not speak English as their primary language, the process can be nearly impossible. At Otte & Czajkowska, LLC, we are proud to have a Polish-speaking lawyer as a part of our team. This allows us to fully serve the elder law and estate planning needs of Polish-speaking individuals and families throughout the region. With our help, clients can overcome language barriers and find the security and peace of mind they deserve.

If you are ready to begin Medicaid planning for yourself or a loved one, contact our office. Call 773-631-7100 for a confidential consultation today. We offer skilled guidance to clients in Jefferson Park, Elmwood Park, Niles, Norridge, Edgebrook, Edison Park, Glenview, Des Plaines, Morton Grove, Harwood Heights, Lincolnwood, and the northwest side of Chicago. Mówimy po polsku.