Medicaid has strict income and asset limits, but with proper planning, you can qualify while protecting your estate. Strategies like Medicaid-compliant trusts, asset transfers, and spend-down techniques can preserve your wealth while ensuring eligibility for nursing home and long-term care benefits. Our Medicaid planning attorneys in Ellicott City can guide you through the process.

In Maryland, Medicaid enforces a five-year (60 month) look-back period. Any gifts or asset transfers made within five years of applying can lead to penalties and delays. Advance Medicaid planning helps you structure assets properly to avoid disqualification.

If your assets exceed Medicaid’s limits, you may need to "spend down" your wealth to qualify. Medicaid-approved expenses—like certain home modifications, medical care, and prepaid funeral expenses—can legally reduce your countable assets while securing long-term care coverage.

Yes! Maryland’s Medicaid Home and Community-Based Options Waiver program (HCBOW) can provide funding for at-home care and assisted living—not just nursing homes. Our Howard County elder law attorneys can help you determine eligibility and create a plan that fits your needs.

Yes! Maryland’s spousal impoverishment protections allow a healthy spouse (community spouse) to retain certain assets and income while you qualify for Medicaid. We’ll help structure your finances to protect your family's stability.

If your Maryland Medicaid application is denied, you have the right to file an appeal. Common reasons for denial include paperwork errors, undisclosed assets, and eligibility miscalculations. Our Medicaid appeals attorneys in Ellicott City can review your case, correct errors, and fight for your benefits.