Without long-term care insurance or a Medicaid Asset Protection Trust, the family home can become subject to a Medicaid lien for your loved one’s nursing home or at home nursing care. “Federal law requires all states to have “estate recovery programs,” which seek reimbursements for spending under Medicaid, the joint federal and state health insurance program mainly for people with low incomes or disabilities.” Preventative estate planning will protect your family’s home and allow you to pass it down to your children. Call today for a consultation (2112-222-4175) and get peace of mind.