The TOP Secret way to get Qualified for Medicaid!

Do you think you have too much money to qualify for Medicaid / MassHealth Long-Term Care?


One of the most common questions we get here at Monteforte Law, on at least a weekly basis, is “How do I pay for Long-Term Care?” We specialize in helping higher net-worth families, so when I mention Medicaid and MassHealth as part of the answer, it is inevitably followed by “I have too much money to qualify for Medicaid.” Our response to that statement may surprise you. That’s because the usual response is “You’re wrong. I can get you qualified.”


Yes, Medicaid looks at your assets, and they can disqualify you from coverage if your assets are over their limit. As a side note, in Massachusetts Medicaid is administered by MassHealth, and we use the names interchangeably. In 2021, the asset limit is $2,000.00 for a single person. If the applicant is married, and the spouse is staying in the home, the spouse is allowed to keep $137,400.00. While that sounds like a lot of money, and it is a lot, we are talking about the life savings of a married couple that have worked their entire lives, and likely have some retirement and other savings.


On paper, lots of people do make too much money and have too many assets to qualify. But by using proper estate planning techniques, we can get people qualified. The right estate planning lawyer can position your assets to qualify for Medicaid, even if you’ve got more money and assets than the guidelines allow.


If you have more than $137,400.00, as a married couple, can you still qualify for MassHealth long-term care coverage? If your attorney sets it up right, then yes, you absolutely can. How? By using expert planning tools. Make no mistake, these are expert-level tools that need specialized consideration.


In this FREE report you will learn:

  • What an annuity is and the benefits of one.
  • How a Medicaid-compliant annuity allows us to get someone qualified for MassHealth Long-Term Care when they are over the limit.
  • What makes an annuity a Medicaid-compliant annuity.
  • How a specialized attorney can convert an asset into income.
  • The problem with retirement accounts in MassHealth Long-Term Care planning and how we solve it.
  • How we can help get you qualified!

Find out more about annuities in this FREE report.

Fill out the form below for an instant download of the report!


If you have questions about annuities, reach out to us to set up a Strategic Planning Session. Even if you think you have too much money to qualify for Medicaid, and you or a spouse needs to go in for long-term care, we can often still get you qualified. You’ve paid into the system all your life, paying taxes and social security. Now let the system help you out for a change. It’s not easy, and it’s always a fight, but with the right lawyer, it’s a fight that you can win.


Disclaimer: You should always check with your attorney about the state of current laws, rules, and regulations. Tax laws and Medicaid regulations are constantly changing. The information in this guide was accurate at the time of printing however, the rules could have changed since that time. Always talk to your estate and elder law attorney to find out the most up-to-date rules.

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