Arkansas Asset Protection Attorneys
Medicaid Planning & Asset Preservation for Arkansas Families Since 2013
Since 2013, AAPG Law has guided thousands of Arkansans through protecting their assets while qualifying for Medicaid coverage. We don’t just prepare the legal documents. Our team manages the full process: assessing your assets, building a protection strategy, preparing and executing all necessary legal instruments, filing your Medicaid application, and communicating directly with the Arkansas Department of Human Services (DHS) on your behalf. If you’ve wondered whether meaningful asset preservation is actually possible for your family, that skepticism is exactly where most of our clients start. We’re ready to discuss what structured planning can do.
Consultations are available at our offices in Cabot, Rogers, Little Rock, Fort Smith, and Fayetteville, or fully remotely if you prefer to handle everything from home. Your first conversation with us is free.
Call (888) 635-9081 or connect with AAPG Law online to discuss protecting the assets you’ve worked so hard to build.
Why Asset Protection Matters in Medicaid Planning
Medicaid offers critical long-term care coverage, but eligibility rules are strict. As of 2026, a single Arkansas nursing home Medicaid applicant must have countable assets below $2,000 to qualify. Limits are subject to change, so confirming current figures with an assets attorney in Arkansas is an important early step.
Not all assets are treated equally under Medicaid’s rules. Understanding which of yours are countable and which are exempt is the foundation of any protection strategy.
Countable assets include cash, bank accounts, stocks, bonds, and retirement accounts such as IRAs and 401(k)s.
Generally exempt assets include the primary home when an applicant or spouse still lives there, one vehicle, personal belongings, and life insurance without cash surrender value.
Without a plan, families are often required to liquidate countable assets to pay for care before Medicaid coverage begins. This process, called spend-down, can erode savings built over a lifetime. Arkansas also imposes a 60-month look-back period for nursing home Medicaid: asset transfers made within five years of an application for less than fair market value can trigger a penalty that delays eligibility. The earlier planning begins, the more options are available.
Hear From Families We've Helped
Our clients often say our services seemed too good to be true—until they saw the results. Read how we’ve helped families like yours protect their assets and plan for long-term care.
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"Helpful, patient, kind and quick to help"
Stephanie Love has been so helpful, patient, kind and quick to help me navigate through the processes necessary to get my mom through the Medicaid process. I appreciate her and all she does.
- Catherine T. -
"Very Professional"
Very professional and helpful. We would have been lost without them.
- Gary H. -
"Highly Recommend"Yes, I used AAPG when my mother went into a nursing home. Someone at the nursing home told me about AAPG. I looked them up online to see who they were and saw good ratings. So I gave them a call, and from there, they took care of everything. I couldn’t have done it by myself. I had nothing to worry about—they handled everything. I just want everyone to know they are good, decent people, and I would highly recommend them to anyone.- Jimmy W.
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"Awesome Experience"
My mom and I had an awesome experience with AAPG! Everyone is nice and helpful, and they were a life-saver in a time of need.
- Kristi B. -
"Very Helpful"
I had a very good experience with AAPG. Their staff is very helpful. Prompt on returning calls, and all staff have been very nice and helpful. I would highly recommend this business if you need help with finances for nursing home placement.
- Jennifer S. -
"Comfortable"
Ben and Steve were very helpful in explaining the process and making me feel comfortable every step of the way.
- Marianne S. -
"Fantastic"
I didn't know where to start. I was grateful to learn about AAPG. I was at a loss and AAPG has been fantastic. They took the burden off my shoulders and I have already referred them to many families.
- Denese S. -
"Thrilled"
I am thrilled that I didn't have to give up half of everything we owned to the nursing home. At the time, I didnt feel well and was so happy to have help regarding the Medicaid application. AAPG was a lot of help transferring and protecting property. I couldn't have completed the process alone, especially the way I was feeling.
- Robert P.
Strategies We Use to Protect Assets from Long-Term Care Costs
No single approach works for every family. After a one-on-one review of your assets and situation, we determine which combination of tools supports your path to Medicaid eligibility and financial security, then prepare and execute all legal documents involved. Here are the primary strategies we draw on:
Irrevocable Medicaid Asset Protection Trust
A Medicaid asset protection trust (MAPT) is an irrevocable trust that removes assets from your countable estate. Once transferred, those assets aren’t counted toward Medicaid eligibility. Timing is critical: the trust must be established and funded more than 60 months before a Medicaid application to fall outside Arkansas’s look-back period. For families with enough planning runway, a MAPT is often a comprehensive tool to consider.
Medicaid-Compliant Annuities
A Medicaid-compliant annuity converts a countable asset into an income stream for the applicant or the community spouse without triggering Medicaid disqualification, provided it meets specific federal and Arkansas state requirements. This strategy is particularly useful when the look-back window doesn’t allow time for a trust-based approach.
Asset Gifting
Transferring assets to family members or other beneficiaries can be effective when there’s sufficient time before a Medicaid application. Gifts made more than 60 months before the application avoid the look-back penalty. Gifts made within that window for less than fair market value can trigger a period of ineligibility, so timing and structure must be handled carefully.
Spousal Protections & CSRA
When one spouse needs long-term care, Medicaid’s spousal impoverishment rules are designed to help keep the community spouse financially stable. The Community Spouse Resource Allowance (CSRA) allows the non-applicant spouse to retain a protected share of the couple’s joint assets. As of 2026, that amount in Arkansas can be as high as $162,660, though the figure is subject to annual adjustment. Additional income protections apply as well. The difference between a well-structured plan and an uncoordinated one can be significant.
Beneficiary Deeds
A primary residence is generally exempt from Medicaid’s asset count while the applicant or spouse is living. However, Arkansas may pursue estate recovery after death to recoup care costs. A beneficiary deed transfers real estate directly to named heirs at death, outside of probate and outside the estate recovery process. For families with real property, this can be an important piece of a complete protection plan.
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Trusted Support for Families
For decades, families have trusted us to help them make informed decisions about their future with clarity and confidence.
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Personalized Legal Guidance
Every situation is unique, and we take the time to understand your needs, offering tailored solutions for long-term care and estate planning.
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Simplifying Medicaid Planning
Navigating Medicaid can be complex, but we handle the paperwork and planning so you can focus on what matters most.
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Asset Protection That Works
We help you safeguard your savings, home, and other assets while ensuring you or your loved ones receive the care needed.
Planning for long-term care and asset protection doesn’t have to be overwhelming. Let AAPG Law guide you through the process with clarity and confidence. Contact us today to schedule your free consultation.
Why Arkansas Families Trust AAPG Law for Asset Protection
Many families come to us uncertain whether this process is a fit for them. What they find is a team that handles the full arc of the case: from strategy through filing and post-eligibility support, with a level of combined experience that’s uncommon in a single firm.
Our Team’s Credentials
Attorney Steven Underwood brings more than 20 years of legal experience to this work. Our legal team carries 30-plus years of combined experience in elder law and estate planning. CEO Benjamin Jones adds a perspective few law firms can offer: more than 20 years as a licensed insurance producer with a background in wealth management. That combination shapes how we approach asset protection by examining the full financial picture alongside the legal strategy.
Our Track Record
We’ve held an A+ rating with the Better Business Bureau since 2014, and thousands of Arkansans have trusted us with their Medicaid planning and estate needs. Clients have described our team as having “handled everything” during a difficult time and called us a “life-saver.” That feedback reflects what we aim for: a process that helps take the burden off families who are already navigating something hard.
Our five-step process gives you a clear path from your first conversation to post-eligibility support. You’ll know where things stand, and you won’t be left to manage the Medicaid application or DHS communication on your own. If you’re looking for an assets attorney in Arkansas who handles the full process, not just the paperwork, we’re ready to talk.
Request a free consultation with our Arkansas asset protection attorneys. Call (888) 635-9081 or contact us online to get started.