Salvatore LoGrande worked tirelessly to provide his family with a stable home and financial future. But after his passing, his daughters faced a devastating $177,000 bill from Massachusetts for his end-of-life care – along with the threats to seize their father’s beloved home if they refused to pay. “The home was everything,” to her father said his daughter.

Imani Mflame found herself in a similar circumstance. As her mom aged, she became her primary caregiver. However, when was diagnosed with cancer and required a double mastectomy, she could no longer care for her mom herself and signed up for Medicaid.

After her mom passed away, the state of Tennessee’s Medicaid office sent her a bill for $255,000 and is seeking a court order to force the sale of her mom’s home to pay for it. Her mother was able to purchase the home in Knoxville after she won a landmark discrimination case against her former employer, Boeing, for paying her less than her male coworkers. Her daughter is quoted as saying, “She fought for equal pay and equal rights. Just to see that ripped away just because she was sick and I was sick, it’s just absolutely devastating.”

Their nightmarish situations are increasingly common thanks to a decades-old federal law most people are unfamiliar with. Due to the increasing costs as well as the increasing need, Medicaid is now the number one way the middle class is paying for long-term and nursing home care. However, by signing up you unknowingly grant the government the right to recover those expenses from your remaining assets after you pass away – including by forcing the sale of your home.

How to Avoid This Wealth-Draining Trap (It’s 100% Legal)

As an experienced estate planning and elder law attorney, I’ve dedicated my career to helping hardworking families like yours avoid this cruel outcome through ethical asset protection strategies explicitly allowed under state and federal laws.

While well-intentioned, the government’s “Medicaid recovery” rules fail to consider the brutal realities families face as life expectancies increase and long-term care costs skyrocket beyond most people’s ability to cover them with savings alone.

That’s why leveraging legal safeguards and implementing the right planning strategies and techniques is absolutely crucial for anyone with a home, retirement accounts, or other assets they want to protect for their loved ones’ financial security.

Don’t Leave Your Legacy to Chance – Protect It

With over 25 years of experience advising clients on sophisticated trust, estate and Medicaid planning strategies, I’ve empowered countless people to get the care they need without jeopardizing their entire life’s work. From complex asset protection to long-term care benefits qualification guidance, I’ll build a custom-tailored plan to help you hold onto your home and life savings while preparing for the future.

Don’t let your family become another inheritance horror story. Schedule a consultation today by calling either our Florida office at (941) 909-4644 or our Minnetonka, Minnesota office at (763) 420-5087 today. Or, you can fill out the contact form on this page and a member of our team will reach out to you to schedule your consultation.

And if you are not yet ready to schedule your consultation, and would like additional information, here are two additional resources for you.

Save Our Home Guide

If you would like to learn how to protect your home and life savings from long-term care and nursing home costs, click here to download our FREE guide Save our Home: How to Protect Your Home and Life Savings From Long-Term Care and Nursing Home Costs.

Senior Protecting His Home

You can also click here to sign up for our FREE online masterclass where you'll discover additional details on how to protect your life savings from long term care. 


Chuck Roulet
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Nationally Recognized Estate Planning Attorney, Author, and Speaker
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