Don’t Let Long-Term Care Drain Your Savings How to Safeguard Your Assets and Get the Care You Deserve
When it comes to long-term care, waiting until a crisis hits can cost more than money; it can cost peace of mind. Planning early gives you control, protects your savings, and ensures you get the care you deserve. Medicaid in New York covers extended care, from nursing homes to in-home assistance, but qualifying isn’t automatic. Your income and assets must meet strict guidelines, and starting early is the smartest way to secure your options. Medicaid Myths That Can Cost You We hear it all the time: “I have Medicare, so I’m covered,” or “I’ll just give my assets to my kids if I need help.” The truth is that Medicare won’t pay for long-term care, and gifts made too close to applying can trigger penalties under New York’s five-year lookback rule. Even if you think
you’ll never need a nursing home, home care can be expensive, and Medicaid planning helps you stay prepared. Waiting too long can delay benefits or force you to spend your life savings. Medicaid Planning Strategies That Work Medicaid planning isn’t one-size-fits-all, and it’s about crafting a strategy that fits your life. Options often include:
Application expertise: Guides you through the sometimes overwhelming paperwork with our expert help.
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Every plan is tailored to your situation, your goals, and the people you love. How We Support Staten Island Families At Merlino & Gonzalez, we guide families through the complex world of New York Medicaid with clarity and compassion. From safeguarding a modest home to managing larger estates, we help you make decisions that protect your future without adding stress. The key is starting early. Protecting your assets today ensures that tomorrow, you and your loved ones can focus on what matters most: family, security, and peace of mind.
Irrevocable trusts: Transfers assets like your home while retaining some benefits or control. Strategic gifting: Reduces countable resources carefully to avoid penalties. Spousal protections: Keeps the spouse financially secure while the other receives care.
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APPLE-CRANBERRY SALAD MICHELE’S RECIPE CORNER
INGREDIENTS • 6 slices of bacon • 1/3 cup balsamic vinaigrette • 1/3 cup olive oil • 2 tbsp raw honey •
DIRECTIONS 1.
In a large skillet, cook bacon until crispy. Remove it from the pan and set on a paper towel-lined plate to cool. In a small bowl, whisk together balsamic vinaigrette, olive oil, and honey. Set aside. In a large bowl, add spinach, cranberries, apple slices, red onion, and feta. Crumble
2.
Take a Break
8 oz fresh baby spinach, rinsed and dried 3/4 cup dried cranberries 1 Honeycrisp apple, peeled and thinly sliced 1/4 red onion, thinly sliced
3.
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bacon pieces over the top. Use salad forks to toss ingredients thoroughly. 4. Add dressing to the salad and toss again until well-coated.
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1/2 cup feta cheese
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