Michigan Medicaid Planning Attorneys
Protect What You've Built.
Nursing home care in Michigan averages over $12,000 per month. Without a plan, it can consume everything you've saved. Rutkowski Law Firm builds your protection strategy — Medicaid Asset Protection Trust (MAPT), Lady Bird Deed, spend-down planning — and handles the funding for you.
Michigan Medicaid planning is a legal strategy that helps families qualify for benefits without losing their home, savings, or assets.
Trusted by Over 450 Clients with a 4.9 Star Rating
I have 0 legal experience. I have never needed legal aid before. While my legal needs were not what they specialize in, Angie was able to refer me to an attorney, draft a letter, and sent it to them seamlessly. The weight she lifted off my shoulders is incredible! I seriously can’t thank her enough.
This practice is amazing. I was calling for information for my mother's elder care legal situation. She is in Indiana and no other firm would talk to me since I am here in Michigan. Kevin put me on hold and came back with resources for me in Indiana with helped us tremendously! Very impressed. I would use and recommend them in a heartbeat. Highly recommend!
Here When It Matters Most
How Rutkowski Law Firm Supports Your Family
You can’t predict the future — but you can be ready for it. At Rutkowski Law Firm, we specialize in helping families plan ahead and respond quickly when life takes an unexpected turn.
Whether you’re preparing proactively or facing a sudden need for nursing home care, our team moves fast to protect your family’s options. We’ve delivered notarized documents to hospital bedsides in under 24 hours because when families need help, we don’t wait. We meet you where you are — with the knowledge, heart, and urgency your family deserves.
- Fast, Compassionate Support :
- We respond quickly to your family's needs, even in crisis situations.
- Proven Strategies for Asset Protection :
- We help families protect their assets while ensuring quality care.
- Ongoing Guidance :
- We're here for you every step of the way, even after the plan is in place.
Your Medicaid Planning Team
Our team is here to help. We are dedicated to providing you with the best legal representation possible. Call us today to book your consultation.
Meet the Whole Team
Medicaid Planning Services We Provide
Every family's situation is different. We apply the right strategy — or combination of strategies — based on your assets, timeline, and goals.
- Medicaid Crisis Planning
Already facing a nursing home admission or sudden care need? We move fast — building a protection strategy and submitting your application under tight deadlines.
- Medicaid Eligibility Planning
We analyze your assets, income, and ownership structures to legally qualify you for Medicaid benefits while preserving as much as possible for your family.
- Long-Term Care Asset Protection
We develop strategies — MAPTs, Lady Bird Deeds, spend-down planning — to protect your home and savings from the cost of nursing home and long-term care.
- Irrevocable Medicaid Trusts (MAPT)
A Medicaid Asset Protection Trust removes assets from your countable estate and starts the 5-year look-back clock. The most powerful proactive tool available.
- Lady Bird Deeds
Transfer your home to your heirs at death while retaining full control during your lifetime — and avoiding both Medicaid estate recovery and probate.
- Spend-Down Strategies
We guide you through legal ways to reduce countable assets — qualified expenses, exempt purchases, prepaid funeral plans — to meet Medicaid financial thresholds.
- Veterans Benefits & Medicaid
We help veterans and their surviving spouses coordinate VA Aid & Attendance benefits with Medicaid planning so both programs work together, not against each other.
- Appealing Medicaid Denials
If your application was denied — for asset limits, look-back violations, or documentation issues — we handle the appeal and fight for the benefits your family deserves.
Our Proven Process for Michigan Families
We understand Medicaid laws — and we understand families. Our process guides you with care, clarity, and confidence, from the first conversation to lifelong support.
Step 1: Initial Consultation
- Discuss your family goals and concerns in detail.
- Get your questions answered and make a decision.
- Sign your fee agreement and meet your Medicaid legal team.
Step 2: Medicaid Planning Meeting
- Confirm your Medicaid strategy with the legal team.
- Provide and review requested documentation.
- We assist with nursing home placement when needed.
Step 3: Placement Period & Document Collection
- We identify facilities with available Medicaid beds and coordinate tours.
- We continue gathering documentation required for your application.
Step 4: Submit Medicaid Application
- Within 30 days of placement: we submit a standard Medicaid application once all documents are received.
- 30+ days: we submit with a retroactive application to maximize the benefit start date.
Step 5: Response Time From Medicaid
- Medicaid has 45 days to respond after submission.
- You may receive a denial for Medicare cost share — this is normal. Do not panic.
- We handle all Medicaid mailings and requests for additional documents.
Step 6: Medicaid Decision & Annual Re-Determination
- We communicate the decision and your next steps.
- Annual re-determination begins one year after approval — we guide you through it.
- Our firm is here to support you throughout the first year and beyond.
Estate Planning for Michigan Families
Don't leave your family with a useless binder.
Most firms hand you a template and expect you to do the work. We provide a Done-For-You process that handles Trust Funding and Asset Protection.
We specialize in protecting your home from the 5-Year Medicaid Look-Back, ensuring your house stays in your family and out of the state's hands. Plan now so you never become a burden to those you love.
For a Call Back: Pick a time for a quick, 15-minute phone call with our intake team. They will gather your basic details and schedule your strategy session with our Customer Success Director. No tech degree or legal preparation required.
Explore Specific Topics
Michigan Medicaid Planning: Key Topics
Every family's situation is different. These guides cover the most common questions we hear — each one written specifically for Michigan families.
What Is Medicaid Planning?
Eligibility rules, countable vs. exempt assets, the 5-year look-back, estate recovery — the full picture explained for Michigan families.
Read the guide →
What Is Medicaid Spend-Down?
Learn how Michigan Medicaid spend-down works, what expenses qualify, and legal strategies to protect assets while qualifying for benefits.
Read the guide →
Medicaid Divorce in Michigan
When nursing home costs threaten everything, some couples consider a Medicaid divorce. Understand the risks, the rules, and the alternatives.
Read the guide →
Medicaid Asset Protection Trust (MAPT)
A MAPT is the most powerful tool for protecting your home and savings from Michigan Medicaid — but it requires starting the 5-year clock now.
Read the guide →
Common Questions About Michigan Medicaid Planning
Our Offices
Does Your Power of Attorney Actually Work for Medicaid Planning?
A missing clause in your Power of Attorney could cost your family thousands in care costs. Here's what to check—before it’s too late.
Founder / Attorney
Protecting Yourself from Medicaid Estate Recovery
Protect your home with proactive medicaid planning to avoid costly Medicaid Estate Recovery with smart legal strategies before long-term care is needed.
Founder / Attorney
The Hidden Cost of Waiting: Why Medicaid Planning Pays Off Big
Long-term care in Michigan costs over $10K/month—early planning saves your legacy.
Founder / Attorney