Medicaid & long-term care planning in Colorado
Plan for long-term care, and help protect what you’ve worked for.
Nursing home and in-home care can cost far more than families expect. We help you plan years ahead with a Medicaid Asset Protection Trust, so your savings have time to clear the five-year look-back for Health First Colorado (Medicaid).
Meet with an attorney. No cost and no obligation.
Is now the right time?
The best time to plan is before you need care.
Because of Medicaid’s five-year look-back, asset protection trusts work best when care is still years away.
Planning ahead
Care may be years away
Starting early gives your plan time to clear Medicaid’s five-year look-back, so more of your savings and home may be protected.
Learn about Medicaid asset protection →Talk with us first
Already need care?
If a parent or spouse needs care soon, an asset protection trust may not be the right fit. We will talk through where you stand and help you understand your next step.
Schedule a free consultation →
The five-year look-back
Why timing matters so much.
When you apply for long-term care Medicaid, the state reviews gifts and transfers made in the 60 months before. Transfers in that window can delay coverage. Planning that is completed before the window generally is not counted.
Before the window
- Assets moved into a properly drafted trust generally are not counted once five years have passed.
Inside the window
- Gifts or transfers for less than fair value may cause a penalty period before Medicaid begins paying for care.
Simplified for illustration. General information, not legal advice. Medicaid rules change and depend on your situation.
Read the guide: The Medicaid look-back →How we help
A clear plan, set up well ahead of time.
Medicaid rules are complicated. We explain how an asset protection trust works, what you give up and what you keep, and coordinate with your financial advisor or accountant when it helps.
- Explain how the five-year look-back affects your plan
- Draft your Medicaid Asset Protection Trust
- Plan for the family home
- Guide you through moving assets into the trust
- Coordinate the trust with your overall estate plan
- Prepare powers of attorney and health care directives
Meet your attorney
Personal attention, from first call to final signature.
You will work directly with Brian, who takes time to understand your family, explains each option in plain language, and lets you decide at your own pace.
What you can expect
- Direct access
- Work with Brian throughout
- Clear explanations
- Plain language, practical options
- No surprises
- Fees discussed before work begins
Medicaid guides
Medicaid guides and answers
Plain-language help for families planning ahead for long-term care in Colorado.
All guides →Guide · Medicaid Planning
Understanding Colorado's Five-Year Look-Back
What the five-year look-back is, what counts as a transfer, and why planning early matters.
Common questions
Questions we hear often.
General information, not legal advice. For guidance on your situation, schedule a free consultation.
Your next step
The best time to plan is before you need care. Let’s talk.
Schedule a free consultation to review your timing, goals, and options.