Medicaid Compliant Annuities: Pitfalls to Avoid, Asset and Income Regulations, Accelerating Eligibility

Annuity Rules and Exceptions; Immediate, Deferred, and Fixed Annuities, Depleting Assets, Avoiding Medicaid Penalties

Recording of a 90-minute CLE webinar with Q&A

Conducted on Thursday, September 19, 2019

Recorded event now available

or call 1-800-926-7926
Program Materials

This CLE webinar will provide elder law attorneys with a detailed analysis of crafting and implementing Medicaid compliant annuities. The panelist will discuss critical pitfalls to avoid, annuity rules and exceptions, distinctions between immediate, deferred and fixed annuities, asset and income regulations, accelerating eligibility, and offer best practices to avoid penalties.


The use of an annuity can be a useful option for elder law attorneys when implementing methods to achieve Medicaid eligibility. Counsel must recognize essential rules and exceptions in the use of Medicaid annuities to avoid pitfalls under both federal and state law.

To be eligible for Medicaid, an applicant must have minimal financial resources or assets, which can vary by state. A Medicaid compliant annuity is a planning strategy that allows a Medicaid applicant to reduce their countable assets to be eligible for Medicaid. However, there are various types of annuities, which may or may not be treated differently among states. Counsel must be conscious of planning pitfalls that may adversely affect a client's Medicaid eligibility.

Listen as our panelist discusses rules and exceptions for using annuities with Medicaid and regulations applicable to various types of annuities, assets, and income. The panelist will explore methods to accelerate eligibility and best practices to avoid penalties.



  1. Overview of Medicaid requirements and asset limits
  2. Use of annuities in Medicaid planning
  3. Types of annuities and potential pitfalls
  4. Medicaid compliant annuity rules and exceptions
  5. Best practices for elder counsel


The panelist will review these and other key issues:

  • What are the Medicaid requirements and limitations impacting the use of annuities?
  • What are the key considerations in the use of annuities in Medicaid planning?
  • What types of annuities are available as tools for elder law counsel?
  • What are the fundamental rules and exceptions for Medicaid compliant annuities?
  • What are the differences between married vs. single applicants?
  • What are the best practices for attorneys to ensure compliance and accelerate Medicaid eligibility?


Krause, Dale
Dale M. Krause, J.D., LL.M.

President and CEO
Krause Financial Services

Mr. Krause, J.D., LL.M. is the President and CEO of Krause Financial Services – a Wisconsin-based firm that...  |  Read More

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