At Brumbaugh Law Firm, we help Ohio families protect what matters most, their homes, savings, and independence, while preparing for the high cost of long-term care.
Since 2002, our team has guided thousands of families through Medicaid rules that determine if you can afford care without losing everything you’ve worked for.
Our approach is simple but powerful. Education first, paperwork second. We begin with our free “3 Secrets to Protecting Your Assets” workshop, a clear and jargon-free session that explains how Medicaid really works in Ohio.
You’ll leave not only with documents that work, but with peace of mind knowing your future and family are protected.
Understanding Medicaid Planning in Ohio
Medicaid planning in Ohio helps you qualify for long-term care benefits without losing your home or life savings. Medicaid is a joint federal and state program that covers nursing-home and in-home care for eligible seniors and individuals with disabilities.
Through careful legal and financial planning, such as restructuring assets, creating trusts, or managing income, families can meet Medicaid’s strict eligibility rules while protecting what they’ve worked for.
Our team works with County Job & Family Services offices across Ohio, including Cuyahoga, Franklin, Hamilton, Summit, Lucas, and Erie Counties, and coordinates directly with local care partners like Firelands Regional Medical Center and The Meadows at Osborn Park to make the process as smooth as possible.
Our Ohio Medicaid Planning Services
- Medicaid crisis planning
- Medicaid Eligibility Review
- Asset Protection Planning
- Trust Creation and Funding
- Property and Deed Transfers
- Spend-Down Strategies
- Income Planning
- Medicaid Application Assistance
- Financial Power of Attorney
- Health Care Power of Attorney
- Living Wills
- Advance Directives
Call (419) 504-4674 To Speak With Our Team
It’s never too early to start planning. Our attorneys are ready to walk you through every step, from protecting your home to qualifying for care. Contact us today to move forward with confidence.
Why Choose Brumbaugh Law for Medicaid Planning
Families across northern Ohio choose Brumbaugh Law Firm because we make Medicaid planning clear and effective. Our approach combines legal precision with genuine compassion, so you can make confident decisions without fear or confusion.
- Education First, Always. We offer a workshop for all interested parties, because we believe an informed decision is a better decision.
- Proven Medicaid Experience. Decades of hands-on success in both pre-planning and crisis Medicaid cases throughout Erie, Ottawa, and Lorain Counties.
- Holistic Planning Approach. Legal, financial, and care considerations aligned under one plan, with help from our on-staff social worker.
- Transparent Flat Fees. Every cost is explained upfront, no surprises or hourly billing.
- Lifetime Support. Plans evolve as life does. We offer ongoing updates and phone support whenever your situation changes.
QIT (Miller Trust) in Ohio: When You Need It and How We Set It Up
A Qualified Income Trust (QIT), also called a Miller Trust, is required when your income exceeds Ohio’s Medicaid income cap of $2,901 per month (2025).
Without a QIT, if you are automatically over the limit, even by one dollar, Medicaid will deny eligibility for long-term care coverage. The trust acts as a legal “income pass-through”, so your excess income is safely redirected and you remain qualified.
- Determine eligibility and confirm that your income exceeds the Special Income Level (SIL).
- Draft the trust, and we will prepare the QIT using Ohio-approved language that satisfies all compliance standards.
- Open a separate QIT bank account, titled in the trust’s name.
- Deposit monthly income, your income (pension, Social Security, etc.) is routed through the account.
- Use funds correctly, the trustee (often a spouse or adult child) pays approved expenses, then the nursing home or care provider.
- Maintain records, monthly statements, and proof of deposits are provided to your Medicaid caseworker.
About Brumbaugh Law Firm
Since 2002, Brumbaugh Law Firm has helped Ohio families through the emotional journey of estate, elder care, and Medicaid planning.
From our Sandusky office, we proudly serve Erie, Ottawa, and western Lorain Counties, helping families stay independent longer, protect their homes, and plan with confidence.
We believe education changes everything. That’s why we offer our free “3 Secrets to Protecting Your Assets” workshop to all.
Our Medicaid Planning Approach in Ohio
At Brumbaugh Law Firm, we work with families to prepare for the future through strategic Medicaid planning. Our goal is to help you with your assets and streamline important decisions for long-term care.
We start with a comprehensive review of your financial situation, including income, property holdings, and account ownership. Based on that assessment, we create a customized plan that may involve:
- Establishing and funding trusts to preserve assets
- Recording real estate documents with the Erie County Recorder’s Office
- Coordinating with local banks, such as Civista Bank or Firelands Federal Credit Union, to update beneficiary designations
- Preparing financial and health care powers of attorney that comply with Ohio law
By taking these proactive measures, Sandusky families can protect their resources, minimize stress, and avoid crisis-driven decisions when care becomes necessary.
With our firm’s strong local connections, we make sure that every plan is both practical and effective in real life.
Local Resources We Work With in Ohio
- Erie County Job & Family Services (Medicaid Office) – Sandusky, OH
- Firelands Regional Medical Center – Sandusky, OH
- Providence Care Center – Sandusky, OH
- The Meadows at Osborn Park – Huron, OH
- Ohio Veterans Home – Sandusky, OH
- Ohio Department of Medicaid (ODM) – Columbus, OH
- Ohio Department of Aging (PASSPORT/Assisted Living Waiver Programs) – Columbus, OH
- Western Reserve Area Agency on Aging (WRAAA) – Lorain, OH
- Senior Enrichment Services of Erie County – Sandusky, OH
- Erie County Council on Aging – Sandusky, OH
Talk to an Ohio Medicaid Planning Lawyer Today
Protecting your home, savings, and independence doesn’t have to be overwhelming.
At Brumbaugh Law Firm, we make Medicaid planning simple and stress-free, regardless of if you’re preparing years in advance or facing a care crisis right now.
We proudly serve families across Sandusky, Erie, Ottawa, and western Lorain Counties, coordinating directly with local hospitals, care communities, and the Erie County Medicaid office to make sure every plan works in real life, not just on paper.
Let’s secure your care, preserve your home, and bring you peace of mind, one clear step at a time.
Schedule your workshop seat or consultation today.
