Medicaid Asset Protection Trusts in Texas When and Why to Use One | Golle Law

Learn when to use a Medicaid Asset Protection Trust (MAPT) in Texas to protect your home and savings from nursing home costs and qualify for Medicaid long-term care.

What Is a Medicaid Asset Protection Trust?

A Medicaid Asset Protection Trust (MAPT) is an irrevocable trust that helps Texans protect their assets—like a home or savings—while still qualifying for Medicaid long-term care benefits.

Once assets are placed in the trust, they’re no longer counted toward Medicaid’s $2,000 asset limit for single applicants. You can still live in your home and benefit from the trust under proper planning.

When to Use a MAPT

Timing is everything. Medicaid reviews financial transfers made within the past 5 years (the “look-back” period). To avoid penalties, a MAPT should be set up at least five years before applying for Medicaid.

You should consider a MAPT if you:

Are healthy now but want to plan ahead for possible care needs

Have savings or property you want to protect for your family

Prefer to preserve assets instead of spending down for care

Want to avoid Medicaid estate recovery on your home

When a MAPT May Not Be Right

If nursing home care is needed soon, there are faster Medicaid planning options like:

Lady Bird deeds

Medicaid-compliant annuities

Qualified Income (Miller) Trusts

Spousal transfers

Eric Golle Medicaid attorney and CPA can help you decide which approach fits your situation best.

Example

Suppose you’re 70, healthy, and own your home with $300,000 in savings. By transferring your home and part of your savings into a MAPT now, those assets can be fully protected after five years—helping you qualify for Medicaid later without losing everything to nursing home costs.

Plan Ahead, Protect More

A Medicaid Asset Protection Trust is one of the most effective tools to protect your home, savings, and legacy in Texas. The key is to plan early—before care is needed.

If you’d like to learn whether a MAPT is right for your family, Golle Law can help you explore your options and create a plan that safeguards what matters most.

Golle Law

Helping Texas families navigate Medicaid and long-term care planning.

📍 Based in Texas | 💻 www.gollelaw.com

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