may be familiar with the term “spend-down” with respect to Medicaid. If you or a loved one need long-term-care, you must either private pay or spend-down assets in order for Medicaid to cover your long-term-care costs. You may also be familiar with how expensive long-term-care is, whether it’s in-home, assisted living, or nursing home care. What many people do not realize is that if you plan properly, you can legally preserve or “shelter” assets from being used for expensive long-term-care without putting your assets in another individual’s name. This type of planning is extremely beneficial for families who need to provide for a spouse or loved one, or simply want to leave an inheritance for a loved one. Call our office or attend a free estate planning workshop to learn more about long-term-care planning strategies. We would be happy to walk you through your options so that you can preserve what you have worked for and have peace of mind.