Medicaid Legacy helps families spend down assets properly using an irrevocable funeral trust—supporting Medicaid eligibility while preserving remaining funds for loved ones when possible.
When long-term care becomes necessary, families are often forced to make fast financial decisions—sometimes without fully understanding Medicaid rules, asset limits, or the consequences of missteps.
Mistakes made during this time can lead to delayed eligibility, penalties, or unnecessary loss of assets.
Medicaid Legacy exists to help families navigate this moment with clarity, structure, and care—before urgency limits options.
Medicaid Legacy is a Medicaid-compliant spend-down strategy. It helps families protect assets by placing funds into an irrevocable funeral trust.
This structure allows families to address final expenses first, support Medicaid eligibility, and preserve remaining funds for beneficiaries when possible.
Asset limits, spend-down requirements, and timing vary by state
Assets are directed into an irrevocable funeral trust to cover final expenses
Properly structured funeral trusts are commonly used in Medicaid planning
After funeral expenses are paid, remaining assets may pass to beneficiaries
In many states, prepaid and irrevocable funeral arrangements are considered exempt assets for Medicaid purposes.
With thoughtful planning, families may be able to meet Medicaid requirements while reducing financial burden later. Medicaid Legacy uses this structure carefully and compliantly to support long-term planning goals.
Medicaid Legacy is often a good fit for families who need to qualify for Medicaid while managing assets responsibly.
Medicaid Legacy is designed for a very specific situation—when qualifying for Medicaid is part of the plan.
If Medicaid is not a current or expected need, this approach is likely unnecessary and may add complexity where it isn’t needed.
That doesn’t mean planning isn’t important—it just means a different solution may be a better fit.
Medicaid Legacy is often used in coordination with financial advisors, elder-law attorneys, and other professionals.
EasyHeir focuses on education and structure so families can make informed decisions within their broader planning strategy. We aim to simplify next steps—not replace personalized professional advice.