Medicaid Planning | Long-Term Care
Medicaid Planning | Long-Term Care – Protect assets and secure quality care. We guide you through Medicaid rules to plan for your future needs.
Home | Medicaid Planning | Long-Term Care
Matthew W. Chapel

Matthew W. Chapel

Criminal Defense Attorney

PRACTICE AREA

LET’S CONNECT

Phone Number

(260) 387-6236

Email Address

info@mattchapellaw.com

Drunk Driving

Drunk Driving | DUI-DWI-OVI – Skilled defense for DUI, DWI, and OVI charges. We fight to protect your license, record, and future.

Assault & Battery

Assault & Battery Charges – Aggressive defense against assault or battery allegations. We work to protect your rights, reputation, and future.

Drug Charges

Drug Charges – Strong defense for possession, trafficking, or related offenses. We fight to protect your rights, freedom, and future.

Domestic Violence

Domestic Violence – Skilled defense for domestic violence charges. We protect your rights, reputation, and future in these sensitive legal matters.

Pretrial Diversion

Pretrial Diversion – Avoid a criminal record through diversion programs. We guide you through the process to protect your future and your reputation.

No Contact Order

No Contact Orders | Protective Orders – Defend against or enforce protective orders. We protect your rights in sensitive and high-stakes situations.

Medicaid Planning

Medicaid Planning | Long-Term Care – Protect assets and secure quality care. We guide you through Medicaid rules to plan for your future needs.

Personal Injury

Personal Injury | Protect Health. Recover Losses — Work with an Indiana personal injury lawyer who locks down evidence fast, manages insurers, and fights for full, fair compensation.

Scan or Scam? Legal Insights on Self-Checkout Shoplifting Accusations

Self-checkout shoplifting accusations are on the rise—sometimes targeting innocent customers. Learn the legal consequences, your rights if accused, and how to protect yourself from costly misunderstandings at the self-checkout.

Can I Challenge Ohio OVI Breath Tests?

Yes—Ohio OVI breath tests can be challenged. Learn common defenses, testing errors, and legal strategies that may help fight your OVI charge.

What Is and Is Not Legal Consent in Indiana?

Understand what is and is not legal consent in Indiana, including age of consent laws, situations where consent is invalid, and your legal rights.

What Constitutes Domestic Violence in Indiana?

Learn what constitutes domestic violence in Indiana, including definitions, criminal charges, and penalties, plus your legal rights and protection options.

Who Could Be Liable for My Indiana Slip-and-Fall Accident?

Find out who may be liable for your Indiana slip-and-fall accident. Learn how premises liability laws work, common at-fault parties, and how to protect your claim.

Do You Have the Right to Remain Silent: Knowing If Your Miranda Rights Have Been Violated

Know your right to remain silent and how to spot a Miranda rights violation. Learn when police must read your rights and what to do if they don’t.

Understanding Indiana Law on Controlled Substances

Understanding Indiana law on controlled substances is key to avoiding severe penalties. Learn how drug classifications, charges, and sentencing work under Indiana law.

Understanding Indiana Laws Regarding Marijuana and Driving

Understanding Indiana laws on marijuana and driving is essential for avoiding serious legal trouble. Learn how THC laws, DUI penalties, and impaired driving rules apply, and what to expect if you’re pulled over in Indiana.

The Truth About Indiana Restraining Orders

The truth about Indiana restraining orders—how they work, who can file, the legal process, and what happens if they’re violated. Know your rights and protections under Indiana law.

Why Can I Be Pulled Over for OWI in Indiana?

In Indiana, OWI laws cover alcohol and any drug that impairs driving ability. Learn the penalties, risks, and how OWI charges can impact your future.

OUR EXPERIENCE

Empower Your Family with Long-Term Care Education

Medicaid, VA Benefits, and Pre-Planning Strategies

Protect Your Loved Ones and Secure Their Future.


How to Protect Your Assets From Nursing Home Costs in Indiana

If you or a loved one eventually needs nursing home care in Indiana, Medicaid may help cover the cost—but only if you qualify. Indiana Medicaid has strict income and asset limits. Without careful planning, you could be forced to spend nearly everything before receiving benefits.

The good news: with smart Medicaid planning, you can protect your home, savings, and legacy while still qualifying for coverage.

Here’s what you need to know.


Medicaid Asset Limits in Indiana

To qualify for nursing home Medicaid in Indiana:

  • A single person must have no more than $2,000 in countable assets.
  • A married couple, where only one spouse is applying, can protect up to $157,920 for the non-applicant spouse.
  • If both spouses apply, they must have no more than $3,000 combined.

Some assets are countable, like cash and bank accounts. Others may be exempt, such as:

  • Your home (if a spouse, minor child, or disabled child lives there)
  • Personal belongings
  • One vehicle
  • Irrevocable burial funds

What Happens if You Exceed the Limit?

If your countable assets are too high, you have three main options:

  1. Spend Down – Use excess funds on care or exempt items (like home repairs or a funeral plan).
  2. Plan Strategically – Shift assets into exempt categories or use legal planning tools.
  3. Transfer Assets – With extreme care. Medicaid enforces a 5-year lookback period. Transfers within that time may trigger penalties.

Can You Hide Assets From Medicaid?

No. Attempting to hide or underreport assets is Medicaid fraud—a felony that can result in serious penalties.

Instead, work with a knowledgeable Fort Wayne elder law attorney to structure legal, ethical asset protection strategies that comply with Indiana law.


How Does Medicaid Know What You Own?

When you apply, Indiana Medicaid will request full financial disclosure—checking accounts, retirement accounts, real estate, trusts, and more. They’ll review 5 years of records and may require tax returns, bank statements, and transaction histories.

The state increasingly uses technology to uncover unreported assets. Full transparency is required.


Can Medicaid Take My Assets After I Die?

Yes, under the Medicaid Estate Recovery Program (MERP), Indiana can attempt to recover costs from your estate after your death if you received Medicaid benefits after age 55.

This may include:

  • Your home or farmland
  • Remaining bank or nursing home account balances
  • Certain life insurance policies
  • Assets in a revocable trust

However, recovery can be delayed or avoided if you have:

  • A surviving spouse
  • A child under 21 or a child who is blind or disabled
  • Proper planning done more than 5 years in advance
  • Assets placed in an irrevocable trust

What Is Medicaid Asset Protection?

Medicaid Asset Protection is a legal strategy to preserve your wealth while preparing for long-term care. Common tools include:

  • Irrevocable Trusts (such as a Medicaid Asset Protection Trust)
  • Exempt Asset Conversions (e.g., using cash to buy an exempt car)
  • Spousal Protections
  • Crisis Planning, even if Medicaid is needed soon

Done right, these strategies allow you to keep your home and savings in the family—without breaking Medicaid rules.


Do I Need a Medicaid Planning Lawyer?

Yes. Indiana’s Medicaid rules are complex, and small mistakes can cost you everything. An experienced Indiana elder law attorney can help you:

  • Understand what you can legally protect
  • Avoid penalties and denials
  • Navigate the application process
  • Minimize estate recovery

Whether you’re planning years in advance or need help today, it’s not too late to start.


Get Help Protecting Your Assets

Don’t wait until it’s too late. If you or a loved one may need nursing home care, schedule a Medicaid planning consultation now. With the right plan, you can get the care you need without losing everything you’ve worked for.

Book your free consultation

and learn how Attorney Chapel can help.

Ohio and Indiana Criminal Defense Trial Lawyer

Are you facing criminal charges in Ohio or Indiana? Is there a warrant out for your arrest? Do you even suspect that you may be charged with a crime? Don’t wait – contact Matthew W. Chapel, Trial Lawyer in Fort Wayne, ASAP to protect your rights and future. Call us at (260) 387-6236 or complete the contact form and ask for your FREE consultation NOW.

EXPERTISE

What is a Trial Lawyer?

Merriam-Webster defines a “trial lawyer” as a “lawyer who engages chiefly in the trial of cases before courts of original jurisdiction.” Matt accepts this basic definition as only the foundation of his brand of trial lawyer. He likens a trial lawyer to being focused on courtroom litigation, much like a brain surgeon with a narrow field of specialty over a general MD.

What are the characteristics you want in a trial lawyer?

Patient advocacy with clients

Committed to patient advocacy, ensuring every client’s voice is heard and rights are protected throughout the legal process.

Robust protection of client rights

Providing robust protection of client rights through strategic advocacy and unwavering legal representation.

Painstaking case research

Conducting painstaking case research to build strong, evidence-based strategies for optimal client outcomes.

Tenacious courtroom litigation

Providing tenacious courtroom litigation backed by meticulous preparation, persuasive advocacy, and a commitment to defending client interests.

Encyclopedic knowledge of the law

Applying an encyclopedic knowledge of the law to deliver informed, precise, and effective legal solutions.

Relentless negotiation skills

Leveraging relentless negotiation skills to secure the most favorable outcomes for clients.

Close working relationships with area attorneys and court officials

Maintaining close working relationships with area attorneys and court officials to facilitate effective case resolution.

Matt displays all these characteristics and more, whether you are facing misdemeanor or felony criminal charges in Ohio or Indiana. More than being your lawyer, Matt’s brand of trial lawyer seeks to be a true friend who goes the distance with you when you are facing severe criminal charges.