Medicaid Attorney NJ

Medicaid can provide essential financial assistance for long-term care, but the application process is complex, and mistakes can be costly. At Cosner Law Group, we help individuals and families plan for Medicaid eligibility while protecting assets. Whether you need assistance with Medicaid applications, asset protection strategies, or long-term care planning, our attorneys provide the guidance and legal solutions you need.

Answering your questions

Medicaid FAQs

What is Medicaid?

Medicaid is a federal program that pays for the medical care of those who cannot afford it. Medicaid pays for physicians’ services, medications, hospital visits and other forms of medical treatment, as well as long-term stays in a nursing home, assisted living facility, or even some homecare services.

Who is eligible for Medicaid?

Eligibility is determined by the value of the individual’s assets and income. For married individuals, it is based upon the assets and income of both husband and wife.

Is the decision made by Medicaid final?

No. There is an appeals procedure consisting of three steps: administrative review, administrative hearing and finally, court proceeding.

What is the difference between Medicaid and Medicare?

Medicare is an insurance program that is available only to those who are 65 years of age and older and certain disabled individuals. This federal program also provides payment for medical treatment; however it provides only limited coverage. It does not provide funds for long-term care in a nursing home. Medicaid pays for all the medical expenses of those eligible.

Can an individual receive both Medicaid and Medicare?

Yes, as long as you meet the eligibility requirements of both programs.

What is the role of an attorney?

Laws concerning Medicaid are quite complex and their interpretation varies from state to state. Also, these laws are always changing. Elder law attorneys provide legal expertise in understanding these laws and their changes. We ensure that you or your family member will qualify for Medicaid and assist with the challenging process of applying for Medicaid.

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Comprehensive Medicaid Planning Services

Medicaid Eligibility Planning – Ensuring compliance with Medicaid’s strict income and asset limits.
Asset Protection Strategies – Legally structuring assets to qualify for benefits while preserving wealth for loved ones.
Medicaid Applications & Appeals – Assisting with applications, documentation, and appeals for denied claims.
Long-Term Care Planning – Developing financial strategies to cover nursing home or in-home care costs.
Special Needs & Supplemental Trusts – Protecting the financial future of individuals with disabilities while maintaining Medicaid eligibility.

Understanding Medicaid Eligibility & Asset Protection

Medicaid has strict income and asset limitations, and improper planning can result in denial of benefits. Our attorneys help clients:

Navigate the 5-Year Look-Back Period – Medicaid reviews financial transactions within five years of application. We help ensure compliance and avoid penalties.
Use Legal Asset Transfers – Certain asset transfers and trust arrangements can protect resources without jeopardizing eligibility.
Avoid Medicaid Spend-Down Pitfalls – We develop strategies that prevent unnecessary depletion of your estate while maintaining benefits.

By working with our firm, you can secure long-term care coverage without sacrificing financial security for your family.

Common Medicaid Planning Mistakes to Avoid

Waiting Too Long to Plan – Medicaid’s five-year look-back period means early planning is crucial.
Giving Away Assets Improperly – Unplanned gifts and transfers can result in benefit disqualification.
Not Using Trusts for Asset Protection – Special needs and irrevocable trusts can preserve assets while maintaining eligibility.
Filing an Incomplete Application – Errors and missing documentation can delay or deny Medicaid approval.
Relying on Misinformation – Medicaid rules are complex and frequently change. Professional legal guidance ensures compliance.

Comprehensive Legal Solutions

Practice Areas

Estate Administration and Probate

Family Law

Estate Planning, Wills and Trusts

Divorce

Elder Law

Medicaid

Estate Administration and Probate

Family Law

Estate Planning, Wills and Trusts

Divorce

Elder Law

Medicaid

See All Our Practice Areas

5 Star Rated Medicaid Attorneys

Protect Your Assets & Secure Medicaid Benefits

Planning for Medicaid can be overwhelming, but you don’t have to do it alone. At Cosner Law Group, we help families protect their assets and secure the care they need. Contact us today for a consultation and let us guide you through the Medicaid planning process.