Protect What Matters

Long-Term Care Planning in Bentley, Kansas

Nearly 70% of people turning 65 today will need some form of long-term care. For Bentley, KS families, that statistic hits close to home — especially when the average cost of care in Kansas runs close to $8,000 a month, and Medicare does almost nothing to cover it.

The families who come out ahead are the ones who plan before the crisis hits.

What Bentley Families Risk Without a Long-Term Care Plan

Being forced to spend down retirement savings to pay for care
Losing the family home to Medicaid estate recovery
The healthy spouse being left without enough income to live on
Children inheriting debt instead of the legacy you worked to build
Qualifying for Medicaid too late — after most of the damage is done

Long-term care planning isn't just about nursing homes. It's about making sure your family is never put in an impossible position.

Trusted Long-Term Care Planning for Bentley Families

At Advanced Legal Planning, we help Bentley families and those throughout Sedgwick County build plans that account for the real possibility of long-term care — before it becomes an emergency. From Medicaid planning to asset protection trusts to estate planning, we bring together all the pieces your family needs.

Attorney Mark Galloway holds dual LL.M. degrees in Elder Law (University of Kansas) and Tax (Boston University), giving Bentley families access to specialized expertise that goes well beyond general legal practice.

Our Medicaid Planning Blueprint

Step 1: Schedule a Free Consultation Get clarity about your situation and eligibility.
Step 2: Create a Legal Plan to Qualify We structure your assets correctly and prepare your Medicaid application the right way.
Step 3: Secure Medicaid & Peace of Mind Your loved one gets the care they need, and you keep what's yours.

What Are My Options?

Without the assistance of insurance, the monthly expense of long-term care is difficult for most families to cover. There are three options to pay for Long Term Care expenses.

Long Term Care Insurance

Long Term Care Insurance is designed to pay for chronic medical conditions. These policies pay a daily rate.

Cost – According to the 2020 Price Index, a healthy 55-year-old male should expect to pay about $1,700 per year for a policy that offers benefits of $164,000. If unused, those benefits compound over time to offer $386,500 by age 85.

Tax Deductions – If you itemize your deductions, Federal and Kansas tax laws allow a deduction for part or all of your Long Term Care insurance premiums as medical expenses.

State Partnership Program – Having a qualifying Long Term Care policy enables you to apply for Medicaid under modified rules, allowing you to keep more resources and still qualify.

Private Pay

Without the help of any insurance, an individual is required to pay for Long Term Care from their own resources. In Kansas, the average expense will be near $100,000 per year. Bank accounts can drain quickly at this rate. One way individuals sometimes raise the needed funds is to get a reverse mortgage on the family home.

Many people believe they are required to use all of their resources to pay for this care until they are poor enough to qualify for Medicaid. Advanced Legal Planning may be able to help you qualify more quickly while preserving a significant percentage of your assets.

Medicaid

Medicaid is a needs-based benefit to pay for medical care. If you qualify, Medicaid can pay for Assisted Living, Home Health Care, or a Skilled Nursing Facility. Whether someone needs care immediately or there is time to plan, Advanced Legal Planning works with individuals and families to design plans that:

- Protect the most assets,

- Qualify for Medicaid as quickly as possible, and

- Allow for the best care to be provided to loved ones in need of Long Term Care.

Local Client Story

"We thought we were too young to worry about this. Then my husband's health changed suddenly. Mark helped us create a plan that protected everything we'd built together. Don't wait — call him now."

— Patricia W., Bentley, KS

Safeguard Your Family's Future with a Long-Term Care Plan That Actually Works.

We provide personalized education and trusted guidance to individuals and families in Bentley, helping you make informed, confident decisions about protecting your assets, securing long-term care, and preserving your legacy — without the confusion or risk of going it alone.

FAQs

What is long-term care planning?

Long-term care planning is the process of preparing legally and financially for the possibility that you or your spouse will need extended care — in a nursing home, assisted living facility, or at home. It typically includes Medicaid planning, asset protection, estate planning, and powers of attorney.

Why does long-term care planning matter for Bentley families?

Long-term care in Kansas costs nearly $8,000 a month on average. Without a plan, families are often forced to spend down everything before qualifying for Medicaid. Proper planning preserves your home, savings, and legacy — for you and the people you love.

When should I start planning?

The earlier the better. Planning in your 50s or 60s gives you the most options. But even if you're already dealing with a health crisis, we can often still help. Call us today — don't wait.

Can I just give my assets away to qualify for Medicaid?

No. Medicaid enforces a strict five-year look-back period on all asset transfers. Improper gifting can trigger a penalty period that delays your eligibility at exactly the wrong time. Legal planning with an experienced attorney is the only safe path.

Will Medicaid take my home?

Potentially — through the Kansas Medicaid Estate Recovery Program. With the right trust structure or spousal protections, however, your home can often be shielded from recovery.

What does Medicaid cover that Medicare doesn't?

Medicare covers only short-term rehabilitation — not ongoing nursing home care. Medicaid covers long-term nursing home care, memory care, personal care assistance, and some in-home and assisted living services.

What assets are exempt under Medicaid?

Common exemptions include your primary residence (up to a certain equity limit), one vehicle, personal property, certain prepaid funeral arrangements, and limited cash. Strategic planning can protect additional assets beyond these baseline exemptions.

Can my spouse keep assets if I qualify for Medicaid?

Yes. The Community Spouse is entitled to keep a portion of the couple's assets and income. Careful planning can maximize what the well spouse retains while still qualifying for Medicaid benefits.

What if I don't plan ahead?

Without a plan, you risk spending down your entire estate, leaving your spouse vulnerable, losing your home to Medicaid estate recovery, and passing on far less to your children than you intended. The cost of not planning is almost always higher than the cost of planning.

How can Advanced Legal Planning help Bentley families?

We analyze your financial situation, design a legal long-term care and Medicaid strategy, create the documents you need, and walk your family through every step. Our goal: Protect What Matters — your health, your family, and your future.

Areas We Proudly Serve

At Advanced Legal Planning, we provide Medicaid Planning and Elder Law services to families across Kansas and Northern Oklahoma. Whether you're in Wichita, Derby, Hutchinson, or any of the surrounding cities, our mission is the same: to help you protect your home, your savings, and your legacy while securing the long-term care you or your loved ones need.

Medicaid Planning in Wichita

Medicaid Planning in Goddard

Medicaid Planning in Derby

Medicaid Planning in Rose Hill

Medicaid Planning in Haysville

Start Planning Today

Not in the immediate Wichita area? We proudly serve families across Kansas and Northern Oklahoma. Virtual meetings are available by request. Schedule a Virtual Consultation and get peace of mind without leaving your home.