There is a big secret about medicaid that nursing homes won’t tell you because it results in less money in their pockets.

It is SO EASY to end up going broke in a nursing home, but there are a lot of different ways to protect your assets and those of your loved ones.

In this video Dana will take you through a common nursing home scenario that comes into our office ALL THE TIME.

Don’t let it happen to you! Come to one of our free workshops to learn more and to get started on getting your ducks in a row!


  1. My husband’s mother has been placed in a nursing home bc all her children are retired seniors who have health problems due to age and living on social security. The mother has Medicaid and receives some extra assistance. I believe its ssi…Will the state hold the son responsible for costs incurred by the nursing home?

  2. To solve this problem, in the future, The Department of Health and Human Services should set up an insurance program similar to Medicare and Social Security. Everyone working would automatically pay into a Long Term Care program on a monthly basis their entire working life. If and when they would need long term care it will be there without having to be paid out of pocket and bankrupting them. You would think the politicians would have figured this out by now.

  3. I had a sister who was mentally disabled, in the 50 years she was on social security disability, she incurred $137,000 dollars in benefits she used including medicaid with title-19. When she died recently at the age of 67 years old, immediately they went after her Bank account after she died. My sister had no other assets other then $2,200 dollars in the Bank. The Wisconsin Estate Recovery Program is taking virtually all the money and leaving me with only 2% of her bank account which is $44 dollars after their cut. What bothers me is I’d like to know who the politician was who proposed and passed that law? I would give him an earful for that STUPID LAW he passed. Luckily my sister didn’t have no life insurance because the Wisconsin Estate recovery program would have taken that away too! Its a matter of principal, I feel as if they insulted me? They gave me their condolences for me losing my sister then proceed to explain to me they are recovering all their money for the services over the years to her. So the money is recovered and passed onto someone else for their care! What a STUPID CONCEPT! Its like taking money from Peter to pay Paul, then take Paul’s money to pay for Mary’s care after Paul dies. Remember Medicaid and Medicare is NOT as free as you think!! When you die, your assets pay for someone else’s care. The only way you keep your assets is to put it in a trust for 5 years to keep it out of their hands.

  4. So Wanda gets to die alone in the gutter cuz she just sold her house and she didn’t get anything bc the federal government took it all for what her husband owed. How effing sad!

  5. Home health aid is far less than $8,000/mo. Home health aid can be part time to help take care of toileting and personal care, and also to allow the spouse time away from the home.
    My cousin has help during the day to help her with her ADLs, and to perform household duties. MUCH less money. If you do run out of money and care, THEN you apply for Medicaid. Here is where it helps to have family. Dying is a racket. For example our Memorial park wants $2,100 for a 12×24 bronze memorial plaque. I cannot find a way to buy my own plaque.

  6. Lady you are a scam artist…..why blame a Nursing Home for government regulations. When you can no longer properly and safely care for your loved one a Nursing Home may be your best choice. They are not out to get you, they are not out to steal from you. You are giving out bad information.

  7. The Big Secret is to put your assets in a trust at least five years (I believe) prior to needing medicaid. And how do these places have the gall to charge a person EIGHT THOUSAND dollars a month for their lousy care? I’d like to see a cost breakdown on that.

  8. I understand the scenario as many people were suckered into cash value insurance,
    but only a fool buys whole life, universal life, deposit term, or any other insurance with
    a "cash Value" savings plan attached.

  9. This way leaves them both in destitute and then pay more to find out how not to be taken advantage of makes no sense 🙃

  10. But what if someone has no assets (no nothing. No life insurance. No real estate. No nothing.. just social security monthly payments of a little over $900? So if u don’t have any assets ure screwed??

  11. dWhen my mom died after 8 years in skilled care, on medicaid. she had alzheimers. I (her daughter)was sent a bill for 88k ! but,I had guardianship over my mom. we did not have blended assets ,I sent a simple letter advising this and I never heard from them again.If your loved one has to be placed and you are the primary caregiver and not the spouse see a lawyer and consider this.

  12. Another thing the nursing home won’t do is tell you how much it will cost per month until you give them all of your financial information.

  13. Medicaid is disgusting. What is the point of working your whole life for a house and something to give to you children and then it all being stolen in the end. It’s a punishment on people getting old. It forces families to stay at a particular income band because the children don’t inherit anything so they start from scratch every time. You need to look at some European countries and get some examples on how they keep taxes fair and still take care of old people. What is the point of getting up at 5am every day if it’s all taken away when you get sick? And for those of you who argue " I pay my taxes and why should I have to pay when they get sick"….. YOU pay taxes AND they still take the old sick person’s assets … you see the double greed? Do you see the injustice? AND it’s coming for you too. You will get old. There is another way to do this that means that people don’t lose everything just because they got old. Nasty

  14. Wrong on the SS income! Wanda automatically gets 50% of Harry’s SS if it is higher than her own SS. So she is going to be receiving $1K and not $800.

  15. I had in home health care, they asked me if I had life insurance and I told him yes. At that time I didn’t own any property but I’m wondering if they would try to come after my life insurance after I die? I’m 65 now and planning for when I am older.

  16. Nursing homes do Medicaid applications and decisions in what states??
    No mention of appealing the Attribution amount to address the shortfall in Wanda’s income, i.e. set aside more for Wanda from the beginning, reducing the "spenddown"??

    Awesome commercial though, using free YouTube instead of paying to advertise for scared and elderly clients.

  17. Special needs trusts then make yourselfs a special trust inside that trust. When that perspon dies your trusts come out of thier trusts. So your really not on any paper work per say ever. Nursing homes all suck. Parent has been in them for rehab and I did some work in them.
    No person care they just leave you out in front of the nursing stations all day. Always show up whenever you feel like when I loved one is in thier. Suprise the staff with random visits.

  18. Just saw this on FB and am sharing everywhere "No nursing home for me…. I’ll be checking into a Holiday Inn! With the average cost for a nursing home care costing $188.00 per day, there is a better way when we get old and too feeble. I’ve already checked on reservations at the Holiday Inn. For a combined long term stay discount and senior discount, it’s $59.23 per night. Breakfast is included, and some have happy hours in the afternoon. That leaves $128.77 a day for lunch and dinner in any restaurant we want, or room service, laundry, gratuities and special TV movies. Plus, they provide a spa, swimming pool, a workout room, a lounge and washer-dryer, etc. Most have free toothpaste and razors, and all have free shampoo and soap. $5-worth of tips a day and you’ll have the entire staff scrambling to help you. They treat you like a customer, not a patient. There’s a city bus stop out front, and seniors ride free. The handicap bus will also pick you up (if you fake a decent limp). To meet other nice people, call a church bus on Sundays. For a change of scenery, take the airport shuttle bus and eat at one of the nice restaurants there. While you’re at the airport, fly somewhere. Otherwise, the cash keeps building up. It takes months to get into decent nursing homes. Holiday Inn will take your reservation today . And you’re not stuck in one place forever — you can move from Inn to Inn, or even from city to city. Want to see Hawaii ? They have Holiday Inn there too. TV broken? Light bulbs need changing? Need a mattress replaced? No problem. They fix everything, and apologize for the inconvenience. The Inn has a night security person and daily room service. The maid checks to see if you are ok. If not, they’ll call an ambulance . . . Or the undertaker. If you fall and break a hip, Medicare will pay for the hip, and Holiday Inn will upgrade you to a suite for the rest of your life. And no worries about visits from family. They will always be glad to find you, and probably check in for a few days mini-vacation. The grandkids can use the pool. What more could I ask for?

  19. If I ever end up incapacitated in a home, I hope I have the mental fortitude to off myself so my kids have something. God bless America.

  20. Well, isn’t that nice. You advertise "The secret; and we watch so you can then tell us we have to go someplace else for ‘the secret’. >=(

  21. Well, I’ll never get married or have kids so I don’t have to worry about all that nonsense and I will die before going to a nursing home.

  22. America is all a big scum.Why do people pay into medicare, ss, medicaid, when the government forces you to pay back for $$$ spend on you in nursing homes? This money you been contributing all along as you work.

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