Medicaid Planning for Nursing Home Care in Charlotte, NC

Protect Your Home & Savings Before the Nursing Home Bill Arrives

CALL NOW — Free 15-Minute Medicaid Planning Call

NC-Licensed Attorneys • Local Charlotte Office • Confidential • No Obligation

What families get from this consult:

  • A plain-English explanation of the rules that apply to your situation

  • A risk check for common “well-meaning mistakes” that trigger penalties

  • A prioritized action plan for next steps (what to do + what not to do)

  • Clear guidance on timing, documents, and how to move forward

You won’t be pressured to sign anything on this call. We’ll listen, explain your options, and tell you honestly if we can help.

Why Timing Matters So Much With Medicaid

Nursing home care can cost thousands of dollars every month. Without a plan, those bills often get paid with your savings first.

At the same time, Medicaid has strict financial rules and a 5-year “lookback” period. Well-intended gifts, “spend-downs,” or last-minute transfers can cause penalties and costly delays.

That’s why many families feel stuck:

  • “If we spend down, we lose our savings.”

  • “If we don’t, how will we afford Mom’s care?”

  • “We’re afraid to make a mistake.”

You don’t have to guess. Medicaid planning is about using the rules in your favor to protect as much as the law allows, instead of watching everything disappear one nursing home bill at a time.

What a Medicaid Plan Can Do for Your Family

When you’re facing nursing home care, a good plan gives you more than paperwork — it gives you clarity and peace of mind.

Protect Your Home & Savings

Use every lawful option to keep the home, structure assets, and reduce how much is lost to care costs — without guessing and hoping it works out.

1) Free 15‑Minute Call
We listen to your situation, answer urgent questions, and confirm whether Medicaid planning is likely to help.

Protect Your Healthy Spouse

Medicaid includes spousal protections designed to help prevent the spouse at home from being left without enough resources to live. We plan with the community spouse’s stability as a priority.

Avoid Penalty-Triggering Mistakes

Well-intended gifts, transfers, or last-minute “quick fixes” can cause penalties and costly delays. We help you understand what’s safe — and what’s risky — before you act.

How Our Medicaid Planning Process Works

We keep things as simple and predictable as possible.

2) Strategy Meeting
We review your finances, assets, and care needs, then outline a custom plan to protect what we can and qualify as quickly as possible.

3) Implementation & Support
If you decide to move forward, we prepare the documents, guide the paperwork, and remain available as your situation evolves.

Frequently Asked Questions

  • Not necessarily. Many families still have options, especially to avoid preventable mistakes and reduce delays. The best next step is a short call so we can understand timing, assets, and what’s already happened.

  • Medicaid can review certain financial activity over a 60‑month period in long‑term care cases. That’s why last‑minute gifting or transfers can backfire. We’ll explain what matters in your situation and what doesn’t.

  • Not always. In many cases, the home is treated differently than cash or investments — especially if a spouse still lives there. We’ll walk through the rules that may apply to your household.

  • Sometimes, yes but it can be an expensive default if legal protections or planning options apply. Our job is to help you avoid unnecessary loss and keep the process as smooth as possible.

  • Don’t overthink it. A rough list of assets (home, savings, retirement), income sources, marital status, and your best estimate of the care timeline is enough to start.