73% of adults over 65 will need long-term care. Medicaid's 5-year lookback means most families find out too late. The difference is one decision you make today.
Takes 2 minutes · No login required · 100% confidential
When your parents need nursing home care, Medicaid pays — but only after they've spent nearly everything. After they pass, the state comes for the house through Estate Recovery. It's federal law.
The only way out? Transfer assets into a Medicaid Asset Protection Trust (MAPT) more than 5 years before they need care. Miss that window, and there's almost nothing you can do.
The 5-year clock doesn't pause. Every month you wait is a month closer to losing the protection window entirely.
73% of people over 65 need long-term care. A fall, a stroke, a dementia diagnosis — it's often sudden and always too late to plan.
A deed transfer without proper trust structure can trigger the lookback penalty AND lose the stepped-up tax basis. Worse than doing nothing.
The wealthy already have trusts. It's middle-class families — with $150K-$500K in home equity — who lose the most to Medicaid.
Answer 6 quick questions about your parents' situation. No sensitive financial details required.
We'll calculate your family's exposure — how much is at risk, and how much time you have to act.
Receive a personalized roadmap with the specific instruments that protect your family's assets.
Medicaid rules vary by state. We currently support Pennsylvania.
The older they are, the more urgent the clock becomes.
The home is typically the largest asset at risk in Medicaid spend-down.
A rough estimate is fine. This determines your exposure amount.
This helps us assess urgency. All responses are confidential.
We'll email your personalized risk report. No spam, ever.
We currently serve Pennsylvania families. Drop your email and we'll notify you when we expand.
The 5-year lookback doesn't pause for good intentions. Find out where your family stands — free, in 2 minutes.