Columbus, Ohio Medicaid Lawyer

What is Medicaid Planning?

Medicaid planning is a specific type of elder law that deals with protecting assets from the high costs of long-term nursing care. Qualifying and applying for Medicaid can be complex to navigate on your own. By consulting with a trusted Columbus Medicaid Attorney at Winkler Legal, you can start planning for long-term nursing care costs and qualifying for Medicaid financial assistance should the need arise.

Who Needs Medicaid Planning?

Let’s face it, as we age the chances that we will need assistance or long-term nursing care increases. If you are approaching retirement or currently retired, it’s time to hire a trusted team of Medicaid lawyers in Columbus to protect your hard-earned assets ahead of time. Waiting until you already need long-term care means asset depletion and financial insecurity for you’re your loved ones.

Doesn’t Medicare Pay for Long-Term Care?

Medicare was established in 1965 to assist with short-term illnesses and accidents. Medicare will pay for primary care services (hospital stay) and rehabilitative services but will only pay a portion of skilled nursing care received in a nursing home—only 100 days total. 


Medicare is designed to get a person well enough to return home without additional services. As a result, Medicare is ill-equipped to deal with chronic and progressive diseases needing skilled care such as Parkinson’s, Alzheimer’s, Stroke and Chronic Arthritis. For this, you need Medicaid Planning.

Does Ohio Medicaid Pay for Long-term Care?

Yes, so long as you qualify. Medicaid is a joint federal and state program that pays for long-term care expenses and is the largest payor of long-term care services in Ohio and nationally. In order to qualify, you must meet strict Medicaid income and asset restrictions. Because of these restrictions, it is necessary to plan ahead with estate planning and asset protection planning.  Planning today will ward-off financial chaos tomorrow. 

What are the Types of Long-Term Care Planning?

Planning ahead is critical to protecting your assets. If you do nothing, you will have to spend-down all but $2,000 of your assets to qualify for Ohio Medicaid assistance. But this does not have to happen. If you are married or have dependents, Medicaid Planning can protect your loved one’s financial future while providing financial security for your family. As a law practice focused on elder law services, we are dedicated to legal issues facing senior Ohioans. We offer two types of long-term care Medicaid Planning.


Preplanning, or Asset Protection Planning, must occur at least five years before needing long-term nursing or assisted living care. This type of Medicaid planning provides the best opportunity to protect most, if not all, of your assets from the high costs of long-term nursing care. By planning ahead, you will qualify for Ohio Medicaid assistance immediately, without having to spend-down all of your hard-earned assets.

Crisis Planning

This type of Medicaid planning occurs after you or a loved one has been admitted into a nursing home or assisted living facility. In crisis planning, your trusted Medicaid lawyers in Columbus can still protect a substantial amount of your assets, but options are more limited due to the immediacy of qualifying for Medicaid long-term nursing care assistance.    

If you or a loved one has recently been admitted to a nursing home or assisted living facility, call us immediately. There is no reason to spend-down all your assets to qualify for Ohio Medicaid assistance. Whether planning ahead or crisis planning, there are viable options available to protect thousands of dollars in assets. Call Winkler Legal, your #1 Central Ohio Medicaid Attorney, before you mistakenly start spending down your hard-earned resources.

What are my Options for Paying for Long-Term Care?

The average cost of nursing home care in Ohio is over $85,000 annually.  Presently, more than 10,000 baby boomers turn 65 each day, and the demand and cost for skilled nursing home care will only continue to increase. There are several ways to pay for long-term care and Winkler Legal can help determine which path might be right for you with our Medicaid Planning consultations and services. The most common ways to pay for long-term care include:

  • ​Private Pay (Out-of-Pocket): Offers the most control and freedom, however, it can deplete assets very quickly.
  • Reverse Mortgage: Uses the equity in your home to pay for long-term care
  • Relying on Children and Family: Causes strain on loved ones
  • VA Benefits: Veterans and spouses of veterans are eligible for benefits based on financial need and military service
  • Long Term Care Insurance: Can be expensive, but is cheaper the younger and healthier you are
  • Life Insurance with a Long-Term Care Rider: You pay additional cost for the rider, but receive partial death benefits early to pay for long-term care
  • Ohio Medicaid Assistance: Based upon financial need – pays for a significant portion of costs and is the single largest payor of long-term nursing care costs nationally

Seminars and Trusted Resources

With knowledge and foresight, we assist our clients in being involved and informed in their unique decision-making needs during the Medicaid Planning process. We offer a wealth of information including links and trusted resources, detailed blog postings on informative topics, and comprehensive seminars to educate our clients. If you have any questions, we offer free consultations to discuss your personal needs. Schedule with us today! 614-461-5708

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