{"product_id":"medicaid-planning-guide-for-seniors","title":"Medicaid Planning Guide for Seniors: The Plain-English Step-by-Step Guide to Protecting Your Assets, Understanding the 5-Year Look-Back","description":"\u003ch2\u003eMedicaid Planning Guide for Seniors: The Plain-English Step-by-Step Guide to Protecting Your Assets, Understanding the 5-Year Look-Back\u003c\/h2\u003e\u003cp\u003eThe Complete Step-By-Step Medicaid Planning Guide For Seniors — Updated With The 2026 Medicare, Social Security And Medicaid Figures. Plus the two things most Medicare books never explain: why Medicare stops paying for the nursing home, and what lawfully protects your home and savings when it does.\u003cbr\u003e\u003cbr\u003eLong-Term Care Costs $50,000 To $100,000 Or More A Year. Most seniors believe Medicare pays for it. It does not — beyond a short stretch of skilled care after a hospital stay, Medicare stops, and the bill lands on the family.\u003cbr\u003e\u003cbr\u003eThen the Medicaid 5-year look-back catches them off guard: a gift to a grandchild, a child's name added to a deed, cash paid to a family caregiver — each one can become months without coverage. And a house left in an ordinary will can be claimed by the state after death.\u003cbr\u003e\u003cbr\u003eThis book puts Medicare, Social Security, and Medicaid in one place, in plain English, in the order a family actually meets them — and explains the lawful strategies that keep a spouse in the house and a lifetime of savings in the family.\u003cbr\u003e\u003cbr\u003e\u003cu\u003eInside, You'll Discover How To:\u003c\/u\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003e\u003cp\u003eEnroll in Medicare on time and avoid the penalties added to your premium for life.\u003c\/p\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cp\u003eChoose between Medigap and Medicare Advantage with your eyes open.\u003c\/p\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cp\u003eSee why Medicare's 100-day nursing home benefit almost never lasts 100 days, and what pays after it stops. Understand exactly what Medicaid counts, what it exempts, and how much a spouse at home may keep in 2026.\u003c\/p\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cp\u003eWork the 5-year look-back arithmetic yourself. Protect the family home from estate recovery with strategies written into federal and state law.\u003c\/p\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cp\u003eCoordinate the Social Security claiming decision with Medicare and Medicaid. Apply for Medicaid with a complete file and win the appeal if denied. Help a parent lawfully — power of attorney, representative payee, and a written caregiver agreement.\u003c\/p\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cu\u003ePLUS 10 FREE Bonuses — Printed Inside The Book As Appendices A-J, No Download, No Email Sign-Up:\u003c\/u\u003e\u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eThe Twelve-Month Countdown To 65; Medigap vs. Medicare Advantage Decision Sheet;\u003c\/li\u003e\n\u003cli\u003eSocial Security Claiming Sheet For Couples;\u003c\/li\u003e\n\u003cli\u003eMedicaid Asset Inventory; Community Spouse Protection Calculator;\u003c\/li\u003e\n\u003cli\u003eThe Five-Year Transfer Ledger;\u003c\/li\u003e\n\u003cli\u003eThe Medicaid Application File Checklist;\u003c\/li\u003e\n\u003cli\u003eFair Hearing Request Templates;\u003c\/li\u003e\n\u003cli\u003eFamily Meeting Agenda And Caregiver Agreement Outline;\u003c\/li\u003e\n\u003cli\u003eThe 2026 Numbers On One Card, Every Figure Sourced.\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003e\u003cbr\u003eDon't wait for a hospital social worker to say the words \"skilled nursing facility\" before you learn what happens to the house. The most powerful protections in this book need five years. The clock starts when you do.\u003cbr\u003e\u003cbr\u003eWhether you are turning 65, planning years ahead, facing a spouse's diagnosis this month, or an adult child sorting out a parent's care — this book meets you where you are and tells you what to do next.\u003cbr\u003e\u003cbr\u003eEducational guidance only — not legal, tax, or financial advice. Medicaid rules vary by state and figures change annually; every figure was verified against its official source and is listed in the Bibliography. Book 8 of The Complete Living Trust Series · by AVOY Publishing.\u003c\/p\u003e\u003cp\u003e📘 \u003cstrong\u003eFormat:\u003c\/strong\u003e Digital eBook (PDF) — delivered instantly after purchase. Your download link is emailed to you and shown on the order confirmation. No physical book is shipped.\u003c\/p\u003e\u003cp\u003e🤖 \u003cstrong\u003eNeed additional guidance?\u003c\/strong\u003e Visit \u003ca href=\"https:\/\/www.avoyvet.com\"\u003ewww.avoyvet.com\u003c\/a\u003e and ask AVOY Veteran Navigator AI™ for educational guidance on VA benefits, retirement, estate planning, and family benefits.\u003c\/p\u003e\u003cdiv class=\"avoy-amazon\"\u003e\n\u003ch3\u003ePrefer Kindle or a printed copy?\u003c\/h3\u003e\n\u003cp\u003eThis book is also available on Amazon:\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e📱 \u003ca href=\"https:\/\/www.amazon.com\/dp\/B0HK1C2G4B\" target=\"_blank\" rel=\"noopener\"\u003e\u003cstrong\u003eKindle eBook on Amazon\u003c\/strong\u003e\u003c\/a\u003e\n\u003c\/li\u003e\n\u003cli\u003e📗 \u003ca href=\"https:\/\/www.amazon.com\/dp\/B0HK91TP7Y\" target=\"_blank\" rel=\"noopener\"\u003e\u003cstrong\u003ePaperback on Amazon\u003c\/strong\u003e\u003c\/a\u003e\n\u003c\/li\u003e\n\u003cli\u003e📕 \u003ca href=\"https:\/\/www.amazon.com\/dp\/B0HK8YY891\" target=\"_blank\" rel=\"noopener\"\u003e\u003cstrong\u003eHardcover on Amazon\u003c\/strong\u003e\u003c\/a\u003e\n\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e","brand":"AVOY Veteran Navigator AI","offers":[{"title":"PDF Download","offer_id":52875462738218,"sku":"AVOY-LT-MED-EB","price":20.99,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1001\/5526\/1226\/files\/81uRn0xVlVL._SL1500.jpg?v=1791388606","url":"https:\/\/avoyvet.com\/products\/medicaid-planning-guide-for-seniors","provider":"AVOY Veteran Navigator AI™","version":"1.0","type":"link"}