Are You Accidentally Disqualifying a Loved One from Benefits?

When it comes to supporting loved ones—especially aging parents or family members with disabilities—it is natural to want to be generous. Whether it is gifting money, leaving an inheritance, or transferring property, these actions often come from a place of love and care. But unfortunately, they can also come with unintended consequences.

One of the most common missteps? Accidentally disqualifying someone from benefits like Medicaid.

Medicaid has strict eligibility rules, and even well-meaning gifts or transfers can create problems. For example:

• Gifting money to help with daily expenses might trigger a penalty period.
• Leaving an inheritance outright could push someone over the asset limit.
• Transferring a home to a child or other relative without proper planning might delay Medicaid approval or result in a costly penalty.

These kinds of decisions are often made without realizing how they might affect eligibility, especially given how detailed and nuanced Medicaid rules can be.

The good news? With the right guidance, you can avoid these pitfalls and still provide meaningful support.

If you are not sure how your estate plan—or a recent gift or property transfer—might impact a loved one’s benefits, it is a good time to check in. Wilson Law can help you understand your options and protect your loved one’s access to care.

Want to make sure your generosity does not come at a cost? Reach out to our office today to schedule a consultation. We will help you create a plan that protects your loved ones and the benefits they rely on. Call us at 866.603.5976 or fill out our online form, and we will be in touch to schedule an appointment.