Medicaid Spend-Down & Insurance Execution for Families and Elder Attorneys
Protect family savings and accelerate Medicaid eligibility. We structure and issue Medicaid-Compliant Annuities (SPIAs), Irrevocable Funeral Trusts, and specialized spend-down insurance products.
Need a Spend-Down Plan?
Whether you are a family navigating nursing home care or an elder law firm needing immediate policy execution, we provide tailored financial proposals.
Strict Privacy & Non-Attorney Disclaimer
Who We Serve
We bridge the gap between financial insurance products and Medicaid eligibility, working with families directly or alongside legal teams.
For Seniors & Families
Facing steep nursing home costs? We help families restructure spend-down funds into compliant insurance products so you don’t burn through life savings unnecessarily.
- Protect healthy spouse income (CSRA / MMMNA)
- Turn excess cash into exempt annuity income
- Connection to attorney partners if legal help is needed
For Elder Law Attorneys
We act as your dedicated financial implementation partner. You design the legal plan; we handle insurance underwriting, annuity calculations, and prompt policy issuance.
- Fast turnaround on SPIA & Funeral Trust quotes
- Zero conflict of interest; we do not practice law
- Complete verification paperwork for caseworkers
Medicaid Spend-Down Financial Products
Every product is structured to strictly adhere to state Medicaid manual guidelines and deficit reduction rules.
Medicaid-Compliant Annuities
Immediate Single Premium Annuities (SPIAs) structured to convert countable excess assets into an exempt stream of income for the community spouse or applicant.
Irrevocable • Non-AssignableIrrevocable Funeral Trusts
Exempt financial instruments that allow families to set aside funds for final burial and funeral costs without violating the Medicaid look-back period.
Exempt Asset StatusLife Insurance 1035 Exchanges
Converting cash value life insurance policies that count against eligibility into exempt spend-down tools via tax-free 1035 exchanges.
Tax-Free TransfersHow We Work With Attorneys
We work hand-in-hand with attorneys to ensure financial products align perfectly with the overarching legal strategy.
Bring Your Own Attorney or Find One With Us
Clients are welcome to bring their existing elder law attorney or select any counsel they choose. If you don’t have an attorney, we can connect you with trusted elder law practitioners in our network.
Attorney-Led Legal Strategy
The attorney establishes the legal strategy, drafts legal documents, and provides legal advice. DCSS & Co. acts strictly as the financial and insurance execution arm.
Completely Independent Legal Fees
Attorneys set and collect their own separate legal fees. DCSS & Co. has no control over attorney fee structures and receives no fee-splitting or commissions from legal counsel.
Step-by-Step Execution
Initial Asset & Spend-Down Review
We evaluate countable vs. exempt assets and calculate the exact spend-down deficit needed for qualification.
Legal Coordination & Quote Generation
We present insurance product quotes (SPIAs, trusts) to you and your attorney for strategy approval.
Policy Issuance & Verification Packets
Policies are issued swiftly with state-compliant verification documents ready to submit to the Medicaid caseworker.
Request Spend-Down Proposal
Submit inquiry details below. We will review your spend-down scenario and reach out within 1 business day.