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    <loc>https://www.mypklaw.org/blog/florida-medicaid-planning-how-to-protect-your-home-assets-and-your-spouse</loc>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>Can I keep my homestead? YES - with proper planning ✅ Does it matter if I live in my home vs. renting it out? YES, it does matter. What happens to the house after I die? Medicaid will not take it WITH PROPER PLANNING. Will my children lose the home? NO! With proper planning, your home can pass to your children even if you receive Medicaid benefits.</image:caption>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>In order to qualify for ICP or HCBS Medicaid (Nursing home Medicaid, assisted living facility, or home benefits), you cannot have more than: $2,000.00 in countable assets ($3,000 if you are married) $2,982.00 in income (Gross income) Not all assets are treated the same. Some assets are exempt, so they do not count towards that $2,000.00 limit.</image:caption>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>Medicare is health insurance for people over 65 years old. It does NOT cover long-term care or custodial care. Medicare does NOT pay for nursing home care; it only covers short-term rehabilitation. Medicaid, on the other hand, has programs that can help you cover most of the cost of a nursing home and a good part of the cost of an assisted living facility. There is also a program that can help with some home care.</image:caption>
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    <image:image>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>A ridiculous amount! Like everything else, South Florida prices are some of the highest in the nation. A nursing home in South Florida can cost $10,000 - $15,000 PER MONTH! So, you are looking at $100,000-$120,000 per year. Assisted living facilities can cost $3,000 - $8,000 PER MONTH and $50,000 - $72,000 or more PER YEAR!</image:caption>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>What if we need care now and haven't done any Medicaid Planning? Is it too late if my loved one already has dementia, is hospitalised, and is being discharged from rehab soon? No! While planning before a crisis is always better because we have more tools and more time to plan, we can absolutely still protect your assets to secure Medicaid for you, your spouse, or your loved one.</image:caption>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>No! Do not do this. This is called gifting, and it is a huge no-no in medicaid world. You cannot transfer assets for less than fair market value. You cannot just give your assets away to qualify for Medicaid. If you do transfer money, then Medicaid will impose a penalty period for the value of all the gifts you made in that 5-year period, which means you won’t be able to get Medicaid benefits.</image:caption>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>How can we afford a nursing home and also keep our home and afford life’s expenses? Florida has protections for the healthy spouse. So, don’t worry - Medicaid will not force you to sell your house, and the government won’t take your house.</image:caption>
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      <image:title>Blog - Florida Medicaid Planning: How to Protect Your Home, Assets, and Your Spouse</image:title>
      <image:caption>Under Florida Law, Medicaid can file a claim against the estate of the deceased Medicaid recipient to seek reimbursement. Essentially, they create a lien on the estate up to the amount of long-term care services they provided. This is called Medicaid Recovery.</image:caption>
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    <loc>https://www.mypklaw.org/blog/how-to-choose-the-right-nursing-home-or-assisted-living-facility</loc>
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    <lastmod>2026-01-07</lastmod>
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    <lastmod>2025-12-30</lastmod>
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    <loc>https://www.mypklaw.org/blog/what-is-the-difference-between-probate-and-estate-administration</loc>
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    <lastmod>2025-12-11</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.mypklaw.org/blog/what-are-the-three-basic-requirements-of-a-valid-will-in-florida</loc>
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    <loc>https://www.mypklaw.org/blog/how-much-does-an-estate-planning-lawyer-cost-in-florida</loc>
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    <lastmod>2025-11-25</lastmod>
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    <loc>https://www.mypklaw.org/blog/do-your-parents-have-an-estate-plan</loc>
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    <lastmod>2025-10-21</lastmod>
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      <image:title>Blog - Do Your Parents Have an Estate Plan? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Do Your Parents Have an Estate Plan? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Do Your Parents Have an Estate Plan? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.mypklaw.org/blog/what-is-the-difference-between-a-trust-and-an-llc</loc>
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    <lastmod>2025-10-20</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - What Is the Difference between a Trust and an LLC? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.mypklaw.org/blog/what-do-you-have-to-do-to-protect-your-business</loc>
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    <lastmod>2025-10-20</lastmod>
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      <image:title>Blog - What do you have to do to protect your business? - Make it stand out</image:title>
      <image:caption>Make sure you protect your business by following the basic corporate formalities.</image:caption>
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      <image:title>Blog - What do you have to do to protect your business?</image:title>
      <image:caption>We can help protect your business… so you can get back to running it.</image:caption>
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      <image:title>Blog - What do you have to do to protect your business? - Call us today - for protection and peace of mind!</image:title>
      <image:caption>(954) 406-3651</image:caption>
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    <loc>https://www.mypklaw.org/blog/how-to-make-sure-your-loved-one-gets-proper-care-in-a-nursing-home</loc>
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    <lastmod>2025-10-23</lastmod>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - How to make sure your loved one gets proper care in a nursing home - WATCH OUT FOR…</image:title>
      <image:caption>Bed sores Falls Poor hygiene Infections Changes in loved one’s health</image:caption>
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    <loc>https://www.mypklaw.org/blog/health-care-power-of-attorney-what-is-it-why-do-i-need-one-why-now-more-than-ever</loc>
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      <image:title>Blog - Health Care Power of Attorney - what is it? Why do I need one? Why now more than ever? - What is it? What Changed?</image:title>
      <image:caption>COVID 19 - New Reality - Now alone at hospital Who makes medical decisions and how? Watch the short video below for more information</image:caption>
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    <lastmod>2025-09-26</lastmod>
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      <image:title>Blog - Protect your finances with a Financial Power of Attorney - Don't risk it! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Protect your finances with a Financial Power of Attorney - Don't risk it!</image:title>
      <image:caption>As the coronavirus continues to expand across the country, thousands of Americans are unable to carry out normal financial responsibilities because they are too ill, or they are stuck abroad and unable to travel home, or from a lack of resources due to being isolated at home.</image:caption>
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      <image:title>Blog - Protect your finances with a Financial Power of Attorney - Don't risk it! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Protect your finances with a Financial Power of Attorney - Don't risk it! - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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    <loc>https://www.mypklaw.org/blog/what-is-a-will-contest</loc>
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    <lastmod>2025-10-23</lastmod>
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      <image:title>Blog - What is a will contest?</image:title>
      <image:caption>People’s lives and the property and assets they have acquired are the result of a lifetime of decisions. You probably worked most of your life. You maybe raised children. You may have started or purchased a business. Everything you did required thinking, sacrifices, and difficult decisions. Over time, and after a lot of hard work, you acquired some assets. Now, you need to make sure you protect these assets and that they go to the people of your choosing at the time of your choosing.</image:caption>
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    <loc>https://www.mypklaw.org/blog/can-i-protect-my-ira-with-a-trust</loc>
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    <lastmod>2025-10-23</lastmod>
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      <image:title>Blog - Can I protect my IRA with a Trust? - Make it stand out</image:title>
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      <image:title>Blog - Can I protect my IRA with a Trust? - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Blog - Can I protect my IRA with a Trust?</image:title>
      <image:caption>What if? What if your kids are not the most responsible with money? What if your child is fantastic but his spouse - not so much? What if your child has substance abuse issues? What if your child is a spendthrift and blows through money like it is going out of style?</image:caption>
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