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Medicaid Planning

Our elder law firm routinely works with individuals, and their caregivers, to guide them through the challenging financial and legal decisions which occur as they grow older and require ongoing care. While there are significant federal and state benefit programs which were designed to assist the elderly, far too many people fail to understand how these programs function and what is required for eligibility. We work closely with our clients to ensure they have an understanding of the many legal options to protect assets and qualify for benefits that will help pay for long-term care.

While Medicaid eligibility with respect to long-term care was not overly restrictive in the past, there has been a steady drift towards more complex and limiting rules, the latest being the Deficit Reduction Act of 2005 which went into effect in 2006. These changes have resulted in complex eligibility requirements for those in need of Medicaid benefits. It’s no longer as easy as reviewing one’s bank statements. There are a myriad of regulations involving look-back periods, income caps, transfer penalties and waiting periods to plan around.

Pre-Medicaid Planning

Far too often, seniors wait until they fall ill and require care to seek the assistance of an attorney. Unfortunately, in waiting for a crisis, seniors and their caregivers often encounter more hurdles for qualification and exorbitant levels of stress during an already difficult time. Our attorneys routinely assist clients with pre-Medicaid planning, developing a long-term plan which seeks to protect assets through traditional estate planning functions (asset protection tools such as trusts, life estates and annuities) while coordinating private insurance, veterans benefits and other resources which may be available to pay for future care, without draining all of the family’s assets.

Helping You Qualify for Medicaid

Even if you haven’t taken time to plan for Medicaid eligibility, there are a number of tools at your disposal to obtain eligibility. Our firm routinely assists clients who are just starting the process and need to qualify immediately. In these situations, we work directly with seniors, caregivers, social workers, care facilities and healthcare providers to identify the best environment for your ongoing care. We work with you to complete the Medicaid application and when necessary, “spend down to qualify” in a meaningful way which won’t waste your hard earned assets but instead benefit your loved ones for years to come.

Our law firm has the experience  and knowledge to help you avoid the financial ruin associated with the high cost of long-term care. Contact us today to learn more about the issues surrounding Medicaid eligibility and to begin the planning and application process.


With three office locations in Providence, New Bedford and Cape Cod, the attorneys of Lahti, Lahti & O'Neill, P.C. assist clients throughout Rhode Island and Massachusetts. Areas we serve in Rhode Island include Barrington, Block Island, Bristol, Burrillville, Central Falls, Charlestown, Coventry, Cranston, Cumberland, East Greenwich, East Providence, Exeter, Foster, Gloster, Hopkinton, Jamestown, Lincoln, Little Compton, Middletown, Narragansett, Newport, New Shoreham, North Kingstown, North Providence, North Smithfield, Pawtucket, Portsmouth. Providence, Richmond, Scituate, Smithfield, South Kingstown, Tiverton, Warren, Warwick, Westerly, West Greenwich, West Warwick and Woonsocket.

We also routinely work with clients throughout Southeastern Massachusetts including Acushnet Center, Attleboro, Barnstable, Barnstable County, Bourne, Brewster, Centerville, Chatham, Cotuit, Dartmouth, Dennis, Dighton, Eastham, East Falmouth, Edgartown, Fairhaven, Fall River, Falmouth, Freetown, Harwich, Hyannis, Lakeville, Mansfield, Marstons Mills, Mattapoisett, Marion, Mashpee, North Attleboro, North Dartmouth, Norton, Orleans, Osterville, Plainville, Provincetown, Raynham, Rehoboth, Rochester, Sandwich, Seekonk, Somerset, South Attleboro, South Dartmouth, Swansea, Taunton, Tisbury, Truro, Vineyard Haven, Wareham, Wellfleet, West Barnstable, West Yarmouth, Westport, Yarmouth, Bristol County, Barnstable County, Plymouth County and Kent County.



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1 Richmond Square, Suite 303N, Providence, RI 02906
| Phone: 401-331-0808
651 Orchard Street, Suite 107, New Bedford, MA 02744
| Phone: 508-992-8677
72 Route 28, Suite 5, West Harwich, MA 02671
| Phone: 508-430-8677

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