Medicaid Strategy

Planning ahead to protect what matters most. When a loved one needs long-term care or may be applying for Medicaid, it often comes with financial questions and difficult decisions — especially around what can be preserved or transferred. One common consideration is the Medicaid spend down requirement, where assets must be reduced before qualifying for assistance.


Did You Know Burial Policies Can Be Part of a Spend Down Strategy?

In many cases, properly structured burial policies are considered exempt assets under Medicaid guidelines. That means funds set aside for your funeral, burial, and related services may not count against you when applying for Medicaid — but it must be done carefully and within certain limits. 


These policies can often include:

  • Funeral home services 
  • Casket, urn, vault 
  • Cemetery fees 
  • Luncheon costs 
  • Headstone or monument
  • Travel for family members and more

Burial Policies for Immediate Family Members 

In some cases, individuals may also use exempt burial policies to fund arrangements for immediate family members — such as a spouse, child, or parent. 


This strategy may help reduce countable assets while taking care of your loved ones' future needs. 

Each situation is unique, and there are important rules and limits. Elise can walk you through what’s possible and help ensure everything is done correctly and ethically.


A Few Important Notes: This is not legal advice. Medicaid rules vary by state and situation. We always recommend speaking with your elder law attorney. Elise works alongside attorneys to ensure any burial policy is compliant and appropriately structured. Limits and eligibility depend on your state — Elise can help you understand what’s possible. 

Talk With Elise About Your Options

 If you're helping a loved one prepare for Medicaid, or you're concerned about protecting assets through end-of-life planning, reach out for a confidential, no-pressure conversation. 


Elise will guide you through what’s allowed, what to ask your attorney, and how a burial policy may fit into your overall spend down strategy. 



To Schedule an appointment or call or text: 651-237-2119 email us at info@midwestlegacies.com We’re here to help you protect what matters — with clarity and care.