Medicaid & Long-Term Care Planning in Louisville, KY

Plan For Care Without Panic

Medicaid guidance that fits real life in Jefferson County

Medicaid & long-term care planning in Louisville, KY helps families afford nursing home or in-home care while protecting income for a spouse at home. Cochran Gersh Law Office explains eligibility, timelines, and paperwork so decisions around Norton, UofL Health, and Baptist facilities are easier to make-and easier to live with.

Eligibility Basics You Can Understand

Income, resources, and the five-year look-back

We translate Kentucky rules into a simple checklist: what counts as a resource, exempt assets (home equity limits, one vehicle), and how the look-back tests gifts. Then we map a path that fits your goals and care level, whether that's skilled nursing near Hurstbourne Parkway or assisted living in St. Matthews.

Check Eligibility

Spousal Protections That Preserve Stability

Keeping the lights on for the community spouse

We review Community Spouse Resource Allowance rules, income allocation, and when a spousal refusal or increased maintenance allowance may apply. The goal: cover care while the spouse at home in the Highlands or Prospect keeps housing and daily life intact.

Protect A Spouse

Crisis Planning vs. Early Planning

Help if care starts tomorrow-and a better plan if it doesn't

If placement is urgent, we triage: verify eligibility, stop risky gifts, and prepare the application packet. If you have time, we consider deed strategies, permitted spend-downs, and updated powers of attorney so future moves are simpler.

Get Options

Coordinate Benefits And Facility Contracts

Applications are only half the work

Admissions paperwork, level-of-care forms, and "responsible party" clauses can create surprises. We review terms before signing and align the Medicaid plan with nursing home & care contracts so promises match the budget.

Review A Contract

Our Process

From questions to approved benefits

Intake and goal setting.
Eligibility review and document list. 
Spend-down plan with timelines.
Application and follow-through.
Annual redeterminations.

Cochran Gersh Law Office stays involved so updates don't derail coverage.

Answers to Medicaid & Long-Term Care Questions

Five detailed answers Louisville families ask

  • When should we start planning?

    Now. Even a short runway improves outcomes-updating documents, mapping assets, and picking a facility that matches care needs and budget.

  • Can we keep the home?

    Often, yes. Equity limits and intent-to-return rules may apply. We'll explain how home value, liens, and estate recovery interact.

  • What about gifts we already made?

    The look-back can penalize transfers. We'll calculate potential penalty periods and explore cures before you apply.

  • Will my spouse lose income?

    Kentucky rules allow shifting income to meet the community spouse's needs. We'll document budgets to support the request.

  • Do we need new documents?

    Usually. Up-to-date health care directives and financial powers of attorney make crisis steps faster and cleaner.

Ask A Question