Medicaid Planning Guide for Seniors: The Plain-English Step-by-Step Guide to Protecting Your Assets, Understanding the 5-Year Look-Back

Medicaid Planning Guide for Seniors: The Plain-English Step-by-Step Guide to Protecting Your Assets, Understanding the 5-Year Look-Back

The 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.

Long-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.

Then 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.

This 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.

Inside, You'll Discover How To:

• Enroll in Medicare on time and avoid the penalties added to your premium for life.

• Choose between Medigap and Medicare Advantage with your eyes open.

• See 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.

• Work the 5-year look-back arithmetic yourself. Protect the family home from estate recovery with strategies written into federal and state law.

• Coordinate 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.

PLUS 10 FREE Bonuses — Printed Inside The Book As Appendices A-J, No Download, No Email Sign-Up:

• The Twelve-Month Countdown To 65; Medigap vs. Medicare Advantage Decision Sheet;
• Social Security Claiming Sheet For Couples;
• Medicaid Asset Inventory; Community Spouse Protection Calculator;
• The Five-Year Transfer Ledger;
• The Medicaid Application File Checklist;
• Fair Hearing Request Templates;
• Family Meeting Agenda And Caregiver Agreement Outline;
• The 2026 Numbers On One Card, Every Figure Sourced.

Don'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.

Whether 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.

Educational 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.

📘 Format: 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.

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