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John R Frazier JD, LL.M., PLC Attorney Frazier has helped 3,000+ people with Medicaid Planning thus avoiding going broke in a nursing home. Others with estate planning and VA benefits.

10/17/2026

Certain financial transfers can create serious Medicaid eligibility issues, especially when assets are given away shortly before applying. Selling a home and transferring the proceeds to a family member may be viewed as a disqualifying transfer, potentially resulting in a penalty period under the five year look back rule.

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10/16/2026

Florida Medicaid rules may impose a penalty when certain gifts are made during the five year lookback period. However, informal guidance has suggested that smaller gift amounts may be treated differently, even when the written rules do not clearly provide for that exception. Understanding the distinction between official policy and informal practices is important when evaluating Medicaid planning decisions.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

10/15/2026

Certain gifts made during Florida’s five year Medicaid lookback period may result in a penalty. However, informal guidance has indicated that smaller gifts could sometimes receive different treatment, even though the written rules may not specifically establish such an exception. Distinguishing between formal Medicaid policy and informal practices is important when making planning decisions.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

10/14/2026

Florida’s Medicaid rules can impose a significant penalty period when money or assets are transferred before applying for benefits. The penalty period generally begins after the Medicaid application when the applicant is otherwise eligible, and the length can depend on the value of the transfer and the state’s annual divisor. Careful planning before an application can help avoid serious eligibility and coverage issues.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

10/13/2026

Transferring money or other assets before applying for Medicaid can result in a substantial penalty period under Florida’s rules. The penalty typically starts once the applicant is otherwise eligible for Medicaid, with its duration determined in part by the amount transferred and the applicable state divisor. Proper planning ahead of an application can help reduce the risk of coverage problems.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

Even small family gifts can fall under Florida Medicaid’s transfer rules. The state may presume that money given away du...
10/12/2026

Even small family gifts can fall under Florida Medicaid’s transfer rules. The state may presume that money given away during the five-year lookback was connected to Medicaid planning.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

10/11/2026

A home sale can receive close attention when someone is applying for Medicaid or already receiving benefits. Florida may require proof that a property was sold for fair market value to ensure it was not transferred below its actual worth as a way of giving part of the property away. A professional valuation letter can help verify that the transaction reflected the property’s true market value.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

10/10/2026

A significant transfer of assets can create Medicaid eligibility problems, particularly when the transferred money could potentially be returned to the applicant. In one case, approximately $70,000 was transferred, leading to a dispute involving the applicant’s asset limit. When the funds were not returned, a penalty period of roughly seven months followed, during which nursing facility expenses remained unpaid.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

Florida Medicaid does not just look at how much money a person has today. John Frazier explains why financial transfers ...
10/09/2026

Florida Medicaid does not just look at how much money a person has today. John Frazier explains why financial transfers from the previous five years can matter when someone applies.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

Selling a home and giving the proceeds to a child may seem harmless, but Medicaid can see it differently. John Frazier e...
10/08/2026

Selling a home and giving the proceeds to a child may seem harmless, but Medicaid can see it differently. John Frazier explains how certain transfers can affect eligibility for long-term care benefits.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

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