Why Timing Matters:
At Roth Elder Law, we believe that proactive planning is the key to protecting your future. With over 25 years of experience as both estate planning attorneys and CPAs, we’ve seen firsthand how a timely Medicaid Asset Protection Trust (MAPT) can safeguard your assets and secure your long-term care options.

Plan Today, Protect Tomorrow
Long-term care planning isn’t just about preparing for the unexpected—it’s about taking control of your financial future. Waiting until a crisis occurs can leave you vulnerable and may limit your available options. One of the most effective tools available is the Medicaid Asset Protection Trust, but timing is crucial.

Understanding the Medicaid Look-Back Period

Institutional Medicaid requires a five-year look-back period. This means that any assets transferred within five years of your Medicaid application could result in penalties or delays in your eligibility. By setting up a MAPT at least five years before you need long-term care, you can protect your assets from being counted against you, ensuring that your hard-earned savings remain secure.

When Should You Create a MAPT?

Consider establishing a Medicaid Asset Protection Trust in the following situations:

• In Your 50s or 60s:
  When you’re still healthy, you have the time and flexibility to plan proactively.
• When You Have Significant Assets:
  If you own a home or have substantial savings, planning ahead is essential to preserve these assets from high long-term care costs.
• If You Have a Family History of Long-Term Care Needs:
  A history of extended care in your family increases the likelihood that you may need similar services in the future.

The Risks of Waiting Too Long

Delaying the setup of a MAPT can leave your assets exposed. If you suddenly need long-term care without a plan in place, you may have to spend down your assets to qualify for Medicaid. This not only diminishes your legacy but can also impact the financial security of your spouse and family.

Secure Your Future Today

A Medicaid Asset Protection Trust is more than just a legal document—it’s a strategic step toward ensuring financial security and peace of mind for you and your loved ones. At Roth Elder Law, we are committed to guiding you through every step of the process, ensuring your trust is structured properly to meet your needs.

Take control of your future. Contact us today at 607-962-6162 or fill out our online contact form to schedule a consultation. Let us help you build a plan that protects your assets and secures your long-term care options.