Medicaid Planning Without Losing Everything: Protect Care & Quality of Life
How to Preserve Quality of Life While Still Qualifying for Care
In a recent episode of Story Time with Mark, we heard about a son who took over as trustee of his mother’s trust to help cover her long-term care expenses. At first, this seems like a responsible move—but there’s a bigger issue hiding just below the surface.
What happens when the trust funds run out?
What happens when Medicaid becomes the only option, but there’s no money left for anything beyond the basics?
The Common Mistake Families Make
Too often, families assume the best approach is to spend down everything in the trust until there’s nothing left—and only then apply for Medicaid. But here’s what that usually means:
No money left for private room upgrades
No funds to help Mom visit family or cover non-covered therapies
No flexibility to enhance her quality of life during her final years
There’s a Better Way to Do This
Instead of using all the trust’s assets to pay for care and then applying for Medicaid when the account hits zero, we can help structure a plan that:
Qualifies your loved one for Medicaid now, and
Preserves a pool of assets to use for personal comfort, travel, or additional care needs not covered by Medicaid
It’s a smarter, more compassionate approach that doesn’t sacrifice care for compliance.
Watch Mark explain this scenario in the full video: Watch the full video on YouTube
A Quality-of-Life Trust Could Be the Answer
At Advanced Legal Planning, we use legal tools that protect what matters most:
Irrevocable trusts for Medicaid planning
Asset transfers and structuring to avoid penalties
Special accounts for quality-of-life expenses, all within Medicaid’s legal guidelines
This way, your loved one can qualify for care and still enjoy the dignity, freedom, and support that extra funds can offer.
Learn More Real-Life Lessons
If you found this story helpful, explore more at our Story Time video series, where Mark shares real cases and practical planning tips to help Kansas families avoid common estate and Medicaid planning mistakes.
Need Help Protecting Assets and Applying for Medicaid?
You don’t have to burn through everything to get the care your loved one needs. We’ll show you a better way.
Schedule your free consultation now and get a plan in place that protects care and quality of life.
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