Rhode Island Medicaid Enrollment Lawyer for Long-Term Care Planning

Applying for Medicaid can feel overwhelming, but you don’t have to do it alone. At McCarthy Law, our experienced Medicaid enrollment lawyers guide you through every step of the application process. We help you avoid costly mistakes, prevent delays, and get the coverage you need while protecting your estate as much as possible. Whether you are planning ahead or facing an urgent situation, we will help you understand your options, protect your assets, and move forward with confidence.

Proudly serving families throughout Rhode Island.

What Is a Medicaid Enrollment Lawyer?

A Medicaid enrollment lawyer is a legal professional who helps individuals and families apply for Medicaid, especially when long-term care is needed. The process is not just about submitting paperwork. It requires a strong understanding of eligibility rules, income and asset limits, and strategies that help you qualify while preserving your family’s resources.

Medicaid enrollment often includes Medicaid planning. At McCarthy Law, we help you prepare a complete and accurate application while also using legal tools to protect your home, savings, and income. This may include Medicaid-compliant annuities and irrevocable trusts, depending on your situation.

Whether you are applying for yourself, your spouse, or a loved one, working with a Medicaid lawyer gives you legal support and peace of mind throughout the process.

Why Medicaid Enrollment Can Be Complicated

Medicaid rules vary by state and can be difficult to navigate, especially when long-term care is involved. Many families do not realize that certain financial decisions can impact eligibility for years. Others are surprised to learn that gifts, joint accounts, or property ownership may create penalties or delays.

One key rule to understand is the five-year lookback period, which reviews any transfers or gifts made within five years of applying. Mistakes during this window can lead to penalties and denied coverage.
Learn how the five-year lookback period affects Medicaid eligibility

Even small mistakes, such as incomplete documentation or misunderstanding the spend-down process, can lead to a denied application.

Working with a Medicaid lawyer helps you avoid these problems. We help you plan ahead, follow the rules, and respond quickly when immediate care is needed. Whether you are applying for nursing home coverage or in-home care, we can help you move forward with confidence.

Who We Help

• Older adults preparing for long-term care
• Spouses who want to protect family assets
• Adult children helping aging parents
• Individuals who have already been denied Medicaid
• Families facing urgent placement in a care facility
  

How Our Medicaid Lawyers Can Help

• Review your financial and medical eligibility for long-term care Medicaid
• Assist with completing and submitting your application
• Create a plan to meet spend-down and income limits
• Coordinate with care facilities and state agencies
• Recommend strategies to protect your assets
• Provide ongoing support after submission
  

Asset Protection Strategies for Medicaid

Medicaid rules around gifts, transfers, and asset ownership are strict and can lead to penalties if handled incorrectly. Our attorneys help you explore legal strategies such as Medicaid Asset Protection Trusts, spend-down planning, and pooled income trusts. These tools allow you to qualify for benefits while protecting what you have earned.

Appeals and Medicaid Denials

If your Medicaid application has been denied, we can help. McCarthy Law represents clients in appeals and fair hearings. We investigate what went wrong, prepare a strong case, and take steps to fix the issue so you or your loved one can receive the care you need.

Our Process

1. Eligibility Review: We evaluate your situation and help you understand what you qualify for
   
2. Planning Session: We create a strategy that fits your goals and meets Medicaid requirements
   
3. Application Support: We prepare and submit your application and handle follow-up
   
4. Ongoing Guidance: We remain available to support you through approval and beyond
   

Why Choose McCarthy Law

• Experienced in Medicaid enrollment, planning, and elder law
  
• Focused on protecting families and their financial security
  
• Known throughout Rhode Island and southeastern Massachusetts for dependable service
  
• Dedicated to helping clients avoid delays, denials, and costly mistakes

Medicaid laws are always changing, and small errors can create major problems. With McCarthy Law, you receive experienced legal help from a team that understands how to get results and protect what matters most.

Frequently Asked Questions

Do I need a lawyer to apply for Medicaid?
Not in every case, but having a lawyer can help you avoid costly mistakes, protect your assets, and make the process smoother.

Can I still qualify for Medicaid if I own a home?
Yes, your home may be exempt, but even if considered a “non-countable asset,” Medicaid and other creditors could still recover the estate. We can help you understand how to apply while keeping your home protected.

What if I was denied Medicaid?
We can help with appeals and represent you at a fair hearing if needed.

Is there a lookback period for Medicaid eligibility?
Yes, there is typically a five-year lookback period for asset transfers. We help you understand how this affects your application and what options you have.

What You Should Know Before Applying for Medicaid

• Claim Your Free Ticket to our Upcoming Attorney-Led Medicaid Webinar
• How to Avoid Penalties and Delays From the 5-Year Lookback
• Medicare vs. Medicaid: What’s the Difference?

Book Your Free Discovery Call Now

McCarthy Law is here to help you apply for Medicaid, protect your family’s future, and get the care you and your loved one deserves. Whether you are planning ahead or responding to a health crisis, we are ready to support you at every step.

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