At Duncan Legal, PC, we believe that true estate planning isn’t just about preparing for what happens after you’re gone—it’s about protecting your future while you’re living, thriving, and caring for those you love.
One of the most important, yet often overlooked, aspects of estate planning today is planning for long-term care—and understanding how Medicaid fits into that plan.
With healthcare costs on the rise and long-term care needs making headlines, it’s more critical than ever to have a strategy that secures your care without sacrificing your financial legacy.
The True Cost of Long-Term Care
The reality is stark: whether through a nursing home or in-home services, the cost of long-term care can deplete a lifetime of savings in just a few short years.
- The average annual cost of nursing home care now exceeds six figures.
- Medicare offers only limited healthcare benefits—and crucially, it does not cover extended nursing home stays.
- Medicaid often becomes the primary financial safety net for families needing long-term care.
But qualifying for Medicaid isn’t easy. Strict income and asset limits mean that without the right planning, families may be forced to spend down their life savings just to qualify.
At Duncan Legal, we believe you deserve better.
How Estate Planning and Medicaid Work Together
Without thoughtful planning, the dream of passing on a legacy—or even maintaining financial dignity later in life—can slip away. That’s why integrating Medicaid planning into your estate strategy is a powerful, proactive move.
Here’s how Duncan Legal helps you protect what matters most:
- Irrevocable Trusts: We help you create trusts that safeguard your assets from Medicaid eligibility calculations, while still providing support for your loved ones.
- Asset Protection Planning: We structure how your assets are held to preserve your wealth for future generations.
- Strategic Gifting: Done right, gifting can reduce your countable assets and help you meet Medicaid guidelines—without incurring penalties.
- Spousal Planning: Married couples face special challenges. We help you navigate Medicaid rules to protect a healthy spouse from financial hardship while securing care for the other.
Planning early—ideally years before care is needed—gives you the greatest flexibility and the best chance to protect your family’s future. Waiting until a health crisis strikes can severely limit your options.
Why Early Planning Matters
The best time to plan for long-term care is when you’re healthy, vibrant, and able to make confident decisions about your future.
A well-structured estate plan integrated with Medicaid strategies:
- Ensures access to quality care when you need it most
- Protects your home, savings, and retirement accounts
- Preserves your ability to leave a meaningful legacy to those you love
Estate planning isn’t just about who gets what—it’s about creating peace of mind, stability, and security for every chapter of life.
At Duncan Legal, PC, we’re here to help you solve life’s puzzles—listening, guiding, and creating a plan that protects your life’s work and safeguards your family’s future.
Let’s Talk About Your Future
As healthcare costs and public benefits continue to shift, partnering with an experienced estate planning attorney who understands Medicaid is more important than ever.
At Duncan Legal, PC, we offer trusted guidance, thoughtful strategy, and a deep commitment to protecting what matters most—your family, your legacy, your life.
Visit Us: 6436 S Racine Cir, Ste 227, Centennial, CO 80111
Call Us: (303) 394-2358
Learn More: www.duncanlegal.com
Duncan Legal, PC
Helping people solve life’s puzzles.
