Aging comes with challenges—rising healthcare costs, long-term care decisions, and the risk of losing everything to nursing home expenses. Without proper planning, families can see their life savings disappear in a matter of months.
At Jones Elder Law, we help families in St. Charles, St. Charles County, St. Louis County, and surrounding areas navigate Medicaid planning, long-term care strategies, and elder law protections to ensure they get the care they need while preserving their assets.
Nursing home costs in Missouri can range from $8,500 to $11,000 per month—a financial burden that can quickly wipe out a family’s entire savings. Many people assume they’ll have to spend everything before qualifying for Medicaid assistance, but that’s not true.
With the right Medicaid asset protection strategies, you can:
The key is to plan before a crisis happens. If you or a loved one is facing a long-term care decision, now is the time to take action.
Contact us at (636) 493-3333 or click here to get started today.
The right legal strategies can mean the difference between losing everything to a nursing home or keeping your assets in the family.
Here are some of the key tools we use to protect our clients:
A Medicaid Asset Protection Trust (MAPT) helps shield your assets from nursing home costs. By placing certain assets in a properly structured trust, you can qualify for Medicaid while keeping your home and savings protected.
If one spouse needs nursing home care, Medicaid rules limit how much the healthy spouse can keep. We use legal asset transfers and spousal protections to ensure the healthy spouse isn’t left financially devastated.
Understanding the proper use of Medicaid Compliant Annuities & Promissory Notes can allow families with a loved one currently living in a nursing home to protect their life savings from long term care. These very specialized asset protection planning tools that convert excess assets into income streams and can be an essential element of many families’ asset protection plan.
An Elder Law POA is specifically designed to allow your chosen agent to make Medicaid planning decisions, transfer assets when needed, and use legal strategies to protect your estate from long-term care costs.
We once had a client—a devoted husband—who had spent decades saving for retirement. When his wife was diagnosed with dementia, he assumed their savings would last. But as the years went on, the costs of her care drained their assets at an alarming rate.
By the time he reached us, he had already spent over $200,000 on nursing home care, leaving him with little to live on. No one should have their life savings taken from them when their spouse becomes ill. If he had planned earlier, we could have helped him preserve those assets and qualify for Medicaid benefits much sooner.
Don’t wait until your family is facing a crisis. If you or a loved one may need long-term care in the future, now is the time to act.
Call (636) 493-3333 or click here to get a strategy in place before it’s too late.
Your Future. Your Family. Your Peace of Mind.
Don’t wait until it’s too late to secure your estate. We’re here to guide you every step of the way.
Call (636) 493-3333 or click here to schedule your Vision Meeting today.
The right planning strategies allow you to qualify for Medicaid without losing your home or savings.
A healthy spouse should never be left impoverished when their partner needs care. We help preserve assets for their financial security.
Without a plan, you may be forced to spend down all your savings before Medicaid covers your care. We use legal tools to avoid unnecessary loss.
The best time to plan is before a crisis happens—but even if you’re facing an urgent need, it’s not too late to protect what matters. Whether you’re looking to preserve your savings, qualify for Medicaid, or create an estate plan that truly works, we’re here to help.
Waiting too long can limit your options and cost your family thousands. Take control of your future today.
