Elder Law

Long-Term Care and Medicaid Planning

It is an unfortunate fact of life that an extremely high percentage of people will need long term care. Most of us will face at least a temporary disability and many persons will face a long term disability. In fact, according to the National Center for Disease Control, three-fourths of patients needing long term home health care services received skilled care, and 51% percent needed help with at least one activity of daily living (eating, bathing, dressing, or care needed for a severe cognitive impairment). The Department of Health and Human Services estimates that over nine million people will need long term care this year and that 70% of all persons over age 65 will need some type of long term care services during their lifetime.

Long term care is expensive. Medicare pays for a maximum of one hundred days, and only under certain conditions. The rest of it will be paid by you, assuming your assets are “countable resources,” or by your family or the federal government.

Many people want to avoid the powerlessness of being stripped completely of their assets by long term care needs. For those persons, pre-planning is an option.



Medicaid is a joint federal-state program.  Subject to certain federal requirements, each state implements its own regulations on how the program is managed. Medicaid is not an entitlement program like Medicare, but rather a form of welfare. Medicaid eligibility is determined after the proper application is submitted to the state. There are many Medicaid insurance programs available, from basic medical coverage to nursing home programs.

We assist seniors and their families in making the tough decisions regarding long-term care planning, including whether Medicaid eligibility may be an option.

Our goal is to not only get clients suitably qualified for Medicaid and protect their assets under the law, but also to utilize those rules to accomplish your personal and family objectives.

Office Hours

Monday: 8:30am - 5pm
Tuesday: 8:30am - 5pm
Wednesday: 8:30am - 5pm
Thursday: 8:30am - 5pm
Friday: CLOSED

Hannibal Office

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1000 Center Street
PO Box 710
Hannibal, Missouri 63401

Chesterfield Office

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18336 Edison Avenue
Chesterfield, Missouri 63005

Columbia Office

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Buttonwood Business Center
3610 Buttonwood Dr., Ste. 200
Columbia, Missouri 65201

Lake Ozark Office

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Cliffside Centre
2140 Bagnell Dam Blvd., Ste. 201 B
Lake Ozark, Missouri 65049

Quincy Office

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Eastlake Centre
3835 East Lake Centre
Quincy, Illinois 62305