Medicaid asset protection trusts
Protect your home and savings if you ever need long-term care.
A Medicaid asset protection trust, set up well before care is needed, can help preserve what you’ve built for your family while keeping the door open to Health First Colorado (Medicaid) later.
Meet with an attorney. No cost and no obligation.
The basic idea
Move assets into the trust now, so they are protected later.
Once the trust has held your assets for five years, they generally no longer count toward Medicaid eligibility.
Step 1
Transfer your home and savings
You sign the trust and retitle assets into it, while you are healthy and care is not on the horizon.
Step 2
An irrevocable trust holds them
A trustee you choose, often an adult child, manages the assets. You can keep living in your home. Income from the trust can still be paid to you.
Step 3
What you built passes on
After the five-year look-back, the trust assets are generally protected, and pass to your family as you planned.
An honest look
What you keep, and what you give up.
This trust is a real commitment. We will walk through the trade-offs with you before you decide.
What you keep
- The right to live in your home
- Income the trust assets earn
- A say in who inherits, if the trust allows
- Possible tax benefits for your heirs
What you give up
- Direct access to the principal
- Serving as your own trustee
- The option to undo it later
Medicaid only stops counting assets you no longer control.
Is it right for you?
This trust works best when you plan ahead.
Not sure where you fall? That is exactly what the free consultation is for.
- You are healthy, and care is likely years away
- Your home is a big part of what you would leave
- Your income covers everyday living costs
- You have someone you trust to serve as trustee
Already need care?
Because of the five-year look-back, this trust usually cannot help in time. Call us anyway, and we will help you find the right next step.
Call (720) 647-5280How it works
Schedule your free consultation
Pick a time online that works for you. You will meet with an attorney for 30 minutes, at no cost.
Talk through your options
We listen, answer your questions in plain language, and discuss fees before any work begins.
Move forward with confidence
If the timing fits, we draft the trust and help you retitle the assets that belong in it.
Meet your attorney
Personal attention, from first call to final signature.
You will work directly with Brian, who takes time to understand your family, explains each option in plain language, and lets you decide at your own pace.
What you can expect
- Direct access
- Work with Brian throughout
- Clear explanations
- Plain language, practical options
- No surprises
- Fees discussed before work begins
Medicaid trust guides
Medicaid trust guides and answers
Plain-language help for families protecting a home and savings years before care is needed.
All guides →
Guide · Medicaid Planning
Understanding Colorado's Five-Year Look-Back
What the five-year look-back is, what counts as a transfer, and why planning early matters.
Common questions
Questions we hear often.
General information, not legal advice. For guidance on your situation, schedule a free consultation.
Your next step
Let’s protect what you’ve built, together.
Schedule a free consultation to review whether early asset protection planning fits your goals.