# Cary Medicaid Trust Lawyer | Lookback Period Eligibility [Call Now Click Here](tel:919-659-8433) Click [HERE](https://caryestateplanning.com/contact-us/) to speak with NC’s trusted statewide Estate Planning, Probate, and Special Needs Planning Law Firm! # CARY MEDICAID TRUST LAWYER Protect Your Savings From Long-Term Care Costs 900+ Google Reviews [Take Our Quick Planning Quiz](https://caryestateplanning.com/contact-us/) Or Call [919-659-8433](tel:919-659-8433) Cary Medicaid Trust Lawyer Medicaid planning helps you qualify for long-term care coverage without spending down everything you’ve saved. Using legally permitted strategies such as certain trusts and asset transfers, an attorney can help protect your home and savings while keeping you eligible for benefits. [Take Our Quick Planning Quiz](https://caryestateplanning.com/contact-us/) Table of Contents Toggle Moving into a long-term care facility such as a nursing home or hospice can drain a person’s finances. One potential option for avoiding this is to create a Trust. This can help limit one’s financial vulnerability before it is time to move into a nursing home. A Trust can transfer control over physical property for a [Trustee](https://caryestateplanning.com/cary-trusts-lawyer/administration/) to use it for the stated purpose. Usually, this is to provide income for the Trust maker. If you wish to limit financial vulnerability before moving into assisted living care, work with a Cary Medicaid Trust lawyer. Our [dedicated attorneys](https://caryestateplanning.com/cary-trusts-lawyer/) could provide crucial information on using these estate planning tools to your benefit. ## Does Medicaid Pay for Nursing Home Care? Living in a nursing home can costs thousands of dollars every month. To cover these costs, many people must sell their homes or rely on relatives for support. However, [Medicaid](https://caryestateplanning.com/cary-medicaid-planning-lawyer/) can now cover a significant portion of these costs if a Cary resident is unable to do so themselves. To see if you qualify, Medicaid will evaluate your finances. Simply owning a home in your name will appear in their searches and disqualify you for coverage. Sadly, this can cause a family to lose all their assets to cover the costs of a loved one’s nursing care. ## Retaining Assets by Creating an Irrevocable Trust in Cary Thankfully, there are other [options](https://caryestateplanning.com/cary-trusts-lawyer/planning/) for families who must pay for their loved one’s nursing care. Qualification for Medicaid may still be possible if a party does not have significant assets in their name. A common way to transfer assets out of one’s name but still reap some benefits is to place them in an Irrevocable Trust. An Irrevocable Trust transfers ownership of an asset to another party. The terms of the Trust may state that the party must use those assets for a specific purpose, such as to care for an elderly relative. Because this Trust is [irrevocable](https://caryestateplanning.com/cary-trusts-lawyer/modification-and-termination/), meaning unchangeable, the law now no longer considers those assets to be the property of the original owner. This means that Medicaid will not view these assets when determining eligibility for assisted living care. ### Medicaid Lookback Period for Transferring Property Still, this is not a foolproof method. In 2005, Congress passed the Deficit Reduction Act which served to amend [section 1917(c)(1)(B)(i)](https://www.ssa.gov/OP_Home/ssact/title19/1917.htm) of the Social Security Act. Previously, Medicaid would consider the transfer of property in the past 36 months, or three years, when counting an individual’s assets. Now, this lookback period lasts for 60 months, or five years. As a result, it is critical to contact a nearby Medicaid Trust lawyer as soon as possible to ensure that you meet these requirements. ## Reach Out to a Cary Medicaid Trust Lawyer Today Learning that you or a loved one needs nursing home care can be a devastating financial blow. Unfortunately, while many people can qualify for Medicaid assistance when seeking long term care, simply owning a home could disqualify you. Even so, it is possible to avoid this fate if you act quickly. Creating an Irrevocable Trust to transfer property out of a person’s control can be a useful solution in many situations. These Trusts allow a person to receive the benefit of assets without having direct ownership. [Contact](https://caryestateplanning.com/contact-us/) a Cary Medicaid Trust lawyer today to gain valuable insight on what estate planning tools may be beneficial in your circumstances. ## Schedule a consultation [Take Our Quick Planning Quiz](https://caryestateplanning.com/contact-us/) 900+ Google Reviews ## Schedule a consultation 900+ Google Reviews ## How We Help North Carolina Families CARY RALEIGH [Estate Planning](https://caryestateplanning.com/) [WILLS](https://caryestateplanning.com/cary-wills-lawyer/) [TRUSTS](https://caryestateplanning.com/cary-trusts-lawyer/) [PROBATE](https://caryestateplanning.com/cary-probate-lawyer/) [ELDER LAW & MEDICAID PLANNING](https://caryestateplanning.com/cary-medicaid-planning-lawyer/) [SPECIAL NEEDS PLANNING](https://caryestateplanning.com/special-needs-trusts/) [POWER OF ATTORNEY](https://caryestateplanning.com/cary-power-of-attorney-lawyer/) [GUARDIANSHIP](https://caryestateplanning.com/cary-guardianship-lawyer/) [ESTATE ADMINISTRATION](https://caryestateplanning.com/cary-estate-administration-lawyer/) [FINANCIAL PLANNING](https://caryestateplanning.com/cary-financial-planning/) [Estate Planning](https://caryestateplanning.com/raleigh-estate-planning-lawyer/) [WILLS](https://caryestateplanning.com/raleigh-estate-planning-lawyer/raleigh-wills-lawyer/) [TRUSTS](https://caryestateplanning.com/raleigh-estate-planning-lawyer/raleigh-trusts-lawyer/) PROBATE ELDER LAW & MEDICAID PLANNING SPECIAL NEEDS PLANNING POWER OF ATTORNEY GUARDIANSHIP ESTATE ADMINISTRATION FINANCIAL PLANNING Cary Office [1255 Crescent Green, STE 200, Cary, NC 27518](https://www.google.com/maps?cid=10586265549256419209) 900+ Google Reviews [Take Our Quick Planning Quiz](https://caryestateplanning.com/contact-us/) Raleigh Office [9121 Anson Way Suite 235, Raleigh, NC 27615](https://www.google.com/maps?cid=14359503740153328567) 900+ Google Reviews [Take Our Quick Planning Quiz](https://caryestateplanning.com/contact-us/) ## Trusted Estate Planning Attorney Offices in Cary and Raleigh Serving all of North Carolina Cary Office 1255 Crescent Green, STE 200, Cary, NC 27518 [Get Directions](https://www.google.com/maps?cid=10586265549256419209) Raleigh Office 9121 Anson Way Suite 235, Raleigh, NC 27615 [Get Directions](https://www.google.com/maps?cid=14359503740153328567) Capability to meet virtually to help all NC residents [919-659-8433](tel:919-659-8433) [Contact Us Now](https://caryestateplanning.com/contact-us/) DISCLAIMER: The law firm of Cary Estate Planning cannot and does not represent you until our client intake process is completed. Further, we reserve the right to accept or decline to represent any person or organization in any matter. Nothing on this website should be considered legal advice. Copyright © 2026 Cary Estate Planning. All Rights Reserved. [Disclaimer](https://caryestateplanning.com/disclaimer/) [Privacy Policy](https://caryestateplanning.com/privacy-policy/) [Sitemap](https://caryestateplanning.com/sitemap/) [Get Started](/contact-us/) × 4.9 Based on 900+ reviews 900+ Google Reviews ### What best describes your current situation? I don’t have an estate plan yet and want to get started I have an estate plan but need to update it A loved one has passed away and I need help with probate or estate administration I’m looking for help with a specific issue (guardianship, special needs, Medicaid, etc.) Other ### What’s most important to you right now? Making sure my kids or family are taken care of if something happens to me Protecting my assets from taxes, creditors, or unnecessary costs Planning for a loved one with special needs or a disability Navigating probate or settling a loved one’s estate Updating my plan after a major life change (marriage, divorce, new child, retirement) ### Which of these applies to you? (Select all that apply) I own a home or real estate I own a business I have investments, retirement accounts, or life insurance I have children under 18 I have a child or loved one with special needs I’m caring for aging parents (sandwich generation) I’m approaching or in retirement None of the above / just getting started ### Where are you located? Cary / Western Wake County Raleigh / Central Wake County Chapel Hill / Orange County Elsewhere in North Carolina Outside North Carolina --- Source: https://caryestateplanning.com/cary-trusts-lawyer/medicaid/