A Smart Spend-Down Solution

Protect Assets. Gain Medicaid Eligibility.

A Medicaid Compliant Annuity (MCA) helps families facing nursing home costs qualify for Medicaid without losing everything they’ve worked for. It’s not too late—even if care has already begun.

Our Solutions

What Is a Medicaid Compliant Annuity?

A Medicaid Compliant Annuity is a specialized, single-premium annuity designed to meet strict Medicaid rules. It allows you to convert excess assets into an income stream, helping you qualify for Medicaid while preserving financial stability for your family.

Converts assets into income

Helps accelerate Medicaid eligibility

Provides financial support for a community spouse

Works even in crisis planning (when care has already started)

Why It Matters

The cost of care continues to rise:

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Nursing Home Care

Nursing home: $100,000+ per year (average)

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Assisted Living

Assisted living: $5,000+ per month

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In-Home Care

In-home care: $6,000+ per month

$84 T

Projected wealth transfer from Baby Boomers to heirs by 2045.

20%

of the US Population will be Seniors by 2030

70%

of seniors will need some form of long-term care in their lifetime.

$100K

Average annual cost of a private nursing home room.

Who Should Consider an MCA?

>Couples with one spouse already in a nursing home

>Families with excess savings disqualifying them from Medicaid

>Individuals with retirement accounts or annuities that count against eligibility

>Anyone needing to spend down quickly while protecting loved ones

How it Works (Simplified

  • Review assets and Medicaid eligibility.

  • Fund the MCA with excess savings or retirement funds.

  • Receive guaranteed monthly payments.

  • Qualify for Medicaid while protecting your family’s financial stability.

Don’t Lose Everything to Nursing Home Costs

A Medicaid Compliant Annuity could be the key to protecting your family’s savings while ensuring care is covered.

One stop for Long-Term Care Plainning, Funeral Expense Trusts, Estate Planning, Medicaid Planning, and simple legal documents — without the stress.

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