Long-Term Care Planning in Ohio
The rising cost of long-term care worries almost every family we meet, and for good reason. With nursing home expenses running $80,000 to $100,000 a year in Ohio, a lifetime of savings can disappear in just a few years. Long-term care planning is how you make sure it doesn’t.
The Questions That Keep Families Up at Night
- How do I protect my house if I go into a nursing home?
- How do I preserve money for my spouse who’s still at home?
- Can I preserve assets for my children without losing care eligibility?
- How do I keep a disabled child eligible for SSI and Medicaid while still leaving them an inheritance?
Planning for the Whole Care Journey
Long-term care rarely starts in a nursing home. Most families move through a continuum: help at home, then assisted living, then memory care or skilled nursing. A good plan considers the whole journey, including who will make decisions, where care should happen, and which resources pay for each stage.
The Tools We Use
- Long-term care insurance review: understanding what your policy actually covers before you need it.
- Medicaid Asset Protection Trusts: moving assets outside Medicaid’s reach ahead of the five-year look-back window.
- Gifting strategies: done carefully, with the look-back rules in mind.
- VA benefits: Aid & Attendance for wartime veterans and surviving spouses.
- Medicaid eligibility and application strategy: including crisis planning when care is needed now.
- Special needs trusts: an inheritance for a disabled child that pays for the things government benefits never will, such as vacations, hobbies, and comforts, without disqualifying them from SSI or Medicaid.
The Best Time to Plan Is Five Years Ago. The Second-Best Time Is Now.
Medicaid reviews all gifts and transfers made within five years of applying, so the earlier you plan, the more you protect. But even if a loved one is entering a nursing home now, it is not too late. Ohio law still allows crisis strategies that can protect a significant portion of your savings, especially for a spouse still at home.
Concerns We All Have
- rotect your house if you go into a nursing home?
- Preserve your money for your spouse?
- Preserve hundreds of thousands of dollars in assets for your children?
- Keep a disabled child eligible for social security and Medicaid, yet give the child an inheritance to pay for things like vacations?
The Questions That Keep Families Up at Night
- How do I protect my house if I go into a nursing home?
- How do I preserve money for my spouse who’s still at home?
- Can I preserve assets for my children without losing care eligibility?
- How do I keep a disabled child eligible for SSI and Medicaid while still leaving them an inheritance?
We help you answer all of these, with a plan, not a guess.
Planning Ahead vs. Crisis Planning
VA Benefits for Wartime Veterans
Special Needs Planning
I would recommend Culpepper Law because Tom made us think of things that made us realize what kind of estate planning that we wanted to do, questions that we never thought of, so that we could leave a lasting legacy.
Dealing with Lawyers is sometimes hard, but dealing with Tom Culpepper has been easy. Every occasion, every time we have a question he will explain things.
When I think of Culpepper Law, one word comes to mind, and that’s clarity… the legal system today, I can’t understand it, but Culpepper Law puts it down in such a way that, not only do I understand it, but I can embrace it and use it to my purpose.
Tom is the perfect blend of southern charm and midwest sensibility. He cares about your intimate story like the details of your family and crafts the law around your needs.
Tom L. Culpepper
Jesse Kufeldt
Patty Niswonger
Shelby Arnold
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Frequently Asked Questions
Not automatically, but without planning, Ohio's estate recovery program can claim it after death. Planning ahead can protect it.
Only briefly. Medicare covers limited skilled rehabilitation stays, not ongoing custodial care. Families are often shocked to learn the long-term bill falls to them, which is exactly what planning prevents.
Protect What You’ve Built From the Cost of Care
Don’t let long-term care costs erase a lifetime of work. Call +1 (937) 589-4144.