Page 6 - A Simple Guide to Medicaid Planning

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DOES MEDICAID COVER CARE AT HOME?
Yes. Medicaid may cover services that help someone remain at home, including:
Help with activities of daily living;
Meal preparation and household tasks;
Home modifications (like ramps or walk-in showers); and
Medical supplies and adult day programs.
This can help loved ones stay independent longer while easing the financial burden on families.
WHAT’S THE DIFFERENCE BETWEEN MEDICAID AND MEDICARE?
Medicare is based on age (65+) or disability and is managed by the federal government.
Medicaid is based on income, assets, medical need and is run by individual state rules.
Medicare helps with medical care and short-term rehab. Medicaid helps with long-term care when people
can no longer afford it on their own.

WHAT’S THE DIFFERENCE BETWEEN SSDI AND SSI?

SSDI is based on your work history and what you paid into Social Security.
SSI is needs-based and depends on your income and assets.

Both programs provide disability benefits, but the rules and eligibility requirements are different.

DO TRUST ASSETS AFFECT SSI OR MEDICAID ELIGIBILITY?

Yes, and this is an area where mistakes can be costly. Some trusts are designed to protect benefits, but
using trust funds the wrong way can reduce or eliminate eligibility.

Trust funds generally should not be used for basic needs that government benefits already cover (like food
or housing). Family First Firm has a team of attorneys ready to help you ensure your trust is set up and used
properly, while protecting benefits.

DO I HAVE TO SELL MY HOME TO QUALIFY FOR MEDICAID?

No! In most cases, your primary home is considered an exempt asset.
However, transferring or gifting your home improperly can create penalties and delay eligibility. Before
making any changes, it’s important to speak with one of our experienced elder law attorneys to avoid
unintended consequences.

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