Nursing Home, Medicaid & Long-Term Care Planning in Ohio

The rising cost of medical and 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. It doesn’t have to.

Home - Nursing Home & Medicaid Planning

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?

If you are facing a Long Term Care situation, let us advise you on legal options available so you can provide for yourself or a loved one without exhausting life savings.

There are many tools available such as long-term care insurance, gifting, irrevocable trusts, and more. Our staff have experience navigating the complex systems for VA assistance and Medicaid eligibility, and will put their experience to work serving you.

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

The best results come from planning five or more years before care is needed, using tools like long-term care insurance, gifting strategies, and irrevocable trusts to move assets outside Medicaid’s five-year look-back window. 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. Attorney Jesse Kufeldt focuses his practice on exactly these situations.

VA Benefits for Wartime Veterans

Veterans and surviving spouses may qualify for VA Aid & Attendance benefits that help pay for care. Our team has experience navigating both the VA and Ohio Medicaid systems, and we’ll put that experience to work for you.

Ready to protect your family's future?

Special Needs Planning

A properly drafted special needs trust lets you leave an inheritance that pays for the things government benefits never will, such as vacations, hobbies, and comforts, without disqualifying your child from SSI or Medicaid.

Michael & Terri J

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.

Tom R

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.

Meet Our Attorneys

Tom L. Culpepper

Managing Attorney

Jesse Kufeldt

Associate Attorney

Patty Niswonger

Ohio Bar Certified Paralegal

Shelby Arnold

Paralegal

Contact Us

Get a Free Consultation

"*" indicates required fields

Protecting Your Loved Ones & Their Assets

The rising costs of medical care and long term care have many of us concerned about the future. At Culpepper Law, we will help you answer many of the questions you may already be having. With Nursing Home and Disability Planning we will help you provide for a loved one and preserve assets through drafting a Special Needs Trust and various nursing home planning strategies.

Frequently Asked Questions

Will Medicaid take my house?

Not automatically, but without planning, Ohio's estate recovery program can claim it after death. Planning ahead can protect it.

What is the five-year look-back?

Medicaid reviews all gifts and transfers made within five years of applying. Transfers inside the window can trigger a penalty period, which is why early planning matters and why crisis planning requires an experienced attorney.

My loved one is already in a nursing home. Is it too late?

No. Even in a crisis, legal strategies often preserve a meaningful portion of assets, especially for a spouse still at home.

Ready to protect your family's future?

Don’t let long-term care costs erase a lifetime of work. Call +1 (937) 589-4144.