Medicaid Asset Protection Trust - MAPT

A Medicaid Asset Protection Trust, commonly referred to as a MAPT, is an irrevocable trust used in long-term care and Medicaid planning. Assets placed into a MAPT are no longer considered owned by the individual, which may allow those assets to be protected from Medicaid spend-down requirements—once the applicable look-back period has passed.

The Five Year Look Back Period

In Ohio, Medicaid enforces a five-year look-back period on asset transfers, including transfers into a MAPT. This means a MAPT must be established well in advance of needing Medicaid benefits to be fully effective. An elder law attorney ensures the trust is structured correctly and funded properly to avoid unintended penalties or loss of control.

MAPT Considerations

While a MAPT can protect assets such as a home or savings, it must be carefully designed to balance protection with flexibility. Because MAPTs are irrevocable, changes are limited once the trust is created. Improper drafting or funding can create serious problems, including disqualification from Medicaid or adverse tax consequences. Legal guidance is essential.

A Medicaid Asset Protection Trust is often part of a broader elder law plan that includes Medicaid planning, estate planning, and long-term care planning. Powers of attorney, healthcare directives, and beneficiary designations must all work in harmony with the trust to ensure the plan functions as intended.

For individuals and families who want to plan ahead and preserve assets for future generations, a MAPT can provide peace of mind and financial security. Krugler Law offers free consultations for Medicaid Asset Protection Trust planning in Cincinnati and surrounding areas. Call (513) 916-1600 to learn whether a MAPT is right for you and how to protect your legacy.