Law Office of Julie Low: A Top Medicaid Planning Law Firm

The Law Office of Julie Low stands out as a leading Medicaid planning law firm due to its comprehensive approach to asset protection and Medicaid (MassHealth) eligibility. The firm specializes in helping clients preplan to safeguard their assets well in advance of needing nursing home care. Through the use of irrevocable Medicaid asset protection trusts, families are able to protect their wealth by removing assets from the Medicaid lookback period if established five years before care is required.

For families facing a crisis situation—where a loved one has already entered a nursing home and is confronted with monthly bills of $14,000 to $18,000—the firm provides immediate solutions to secure Medicaid eligibility and alleviate financial strain. Its expertise in navigating the complexities of Medicaid ensures that families can find relief even in the most challenging circumstances.

The firm’s unique strength lies in its dual expertise in estate planning and Medicaid applications. This deep understanding of both the planning process and the intricate application requirements makes it the top choice for families navigating the complexities of long-term care. The firm manages the entire process, from designing tailored strategies to completing the MassHealth application, to securing an approval.

The firm’s work does not stop at securing Medicaid eligibility. It builds plans that endure, anticipating life events that could disrupt benefits, such as the death of a community spouse or an unexpected inheritance. It also protects families against estate recovery claims, ensuring that eligibility today does not create financial vulnerability tomorrow.

One of the most impactful services offered by the firm is helping clients remain in their homes for as long as it is safe. Many families approach the firm with the goal of avoiding institutional care altogether, and they have successfully assisted countless clients in achieving this goal. A significant part of its practice involves community Medicaid applications, which allow individuals to maintain their independence while receiving the care they need, through the Program of All-Inclusive Care for the Elderly (PACE). This Medicaid-based program integrates homecare services, provides home modifications, coordinates travel to and from medical appointments, and coordinates specialists, enabling seniors to age in place with dignity and security. The New York Times has described PACE as “healthcare delivered right,” and the firm sees the truth of that every day in the lives of its clients.

Massachusetts Medicaid, or MassHealth, planning is uniquely complex, requiring a deep understanding of state-specific exemptions and regulations and the federal Medicaid laws. For example, the caregiver child exemption allows a parent to transfer a home to an adult child who provided at least two years of care that delayed institutionalization. Similarly, the disability exception permits transfers to a child with a disability or to a trust for that child’s benefit without penalty. The firm’s mastery of these provisions ensures that every Medicaid application it handles is successful, a track record it has maintained for over fifteen years. This reputation has made it the go-to firm for other attorneys, nursing homes, and elder service providers when cases are too complex to handle alone.

One family’s story illustrates the life-changing impact of the firm’s work. A family approached the firm for help to protect their brother with a disability, who relied on public benefits for daily care and was about to inherit money from his father. Without careful planning, the inheritance could have jeopardized his benefits. At the same time, the family’s mother was in a nursing facility, privately paying at rates that would have drained her savings within months. The firm created a first-party special needs trust to preserve the brother’s inheritance while maintaining his eligibility for public benefits. Simultaneously, it restructured the mother’s assets into categories that Medicaid treats as exempt, securing her immediate coverage and stopping the financial drain. This planning preserved $250,000 for the brother’s lifetime care, ensuring a higher quality of life beyond what Medicaid alone could provide.

The Law Office of Julie Low is committed to providing families with the security and peace of mind that comes from knowing their assets and benefits are protected. Whether through preplanning, crisis intervention, or community-based care solutions, the firm helps families navigate the challenges of long-term care with dignity, independence, and financial security.