How do long-term care policies interact with Louisiana Medicaid?

A long-term care or hybrid life policy can cover part of a nursing home stay, but benefit limits and elimination periods often leave a gap that Medicaid may fill. How the policy pays, and how remaining assets are titled, affects whether the resident qualifies.

Should an annuity be reviewed before it is sold to an older client?

Yes. Annuities are used in Medicaid crisis planning, but only certain structures are treated favorably under Louisiana's rules. Reviewing the structure before the sale avoids unwinding it during an application.

Does the firm compete with agents or carriers?

No. The firm does not sell insurance products. It handles the legal side, eligibility, beneficiary structure, and documents, and the placement relationship stays with the agent or agency.

For insurance companies & agents

A legal partner for policies that touch long-term care

Carriers, agencies, and independent agents send us the clients whose questions run past the policy itself, Medicaid eligibility, asset protection, beneficiary structure, and what happens when care starts.

Where we help

Long-term care and hybrid life policies, how benefits interact with Louisiana Medicaid
Annuity structures used in Medicaid crisis planning, reviewed before the sale, not after
Beneficiary designations coordinated with wills, trusts, and community property rules
Clients entering a nursing home whose policy alone will not cover the stay
Claims where a client lacks a usable power of attorney or a succession has not been opened

How to refer

Ask the client to request a confidential callback, or call our office at 985-205-3660.
Send a short note with the client's situation and the policy type so Paul is briefed before the call.
Where the client authorizes it, we coordinate with your office and keep the placement relationship yours.

What you can expect

Clear scope, plain-language summaries you can share with the client, and no pressure to replace or unwind coverage that is already doing its job. Paul is a CPA as well as an attorney, so tax treatment and cash-flow questions get answered in the same conversation.

Answers

Frequently asked questions

How do long-term care policies interact with Louisiana Medicaid?: A long-term care or hybrid life policy can cover part of a nursing home stay, but benefit limits and elimination periods often leave a gap that Medicaid may fill. How the policy pays, and how remaining assets are titled, affects whether the resident qualifies.
Should an annuity be reviewed before it is sold to an older client?: Yes. Annuities are used in Medicaid crisis planning, but only certain structures are treated favorably under Louisiana's rules. Reviewing the structure before the sale avoids unwinding it during an application.
Does the firm compete with agents or carriers?: No. The firm does not sell insurance products. It handles the legal side, eligibility, beneficiary structure, and documents, and the placement relationship stays with the agent or agency.

More questions are answered on our FAQ page, or call 985-205-3660 and speak with Paul.

Refer a client

Have a policyholder who needs elder law guidance?

Have your client request a confidential callback, or call us directly. We'll take it from there.

Request a Confidential Callback or call 985-205-3660

What happens next

1. You share a few details in confidence.
2. Paul reviews personally, usually the same business day.
3. He calls back to see if the firm is the right fit before booking anything.