Ms. Independent, a physically disabled woman in her 60s, faces a tough decision on how to navigate financial and ethical challenges as Medicaid undergoes changes. With assets and properties, she grapples with spending down assets, moving, or exploring states with assisted suicide laws. She seeks advice on navigating these complex issues.

Options include considering Medicaid Excess Income Program, state-by-state variations on asset countability, and home-equity interest limits. There are exemptions for primary residences and ways to protect assets, such as lady-bird deeds in Florida. Strategies like special-needs trusts and annuities can help navigate Medicaid planning and the look-back period.

Globally, 46% of people over 60 have disabilities, highlighting the need for awareness and understanding. People with disabilities face lower marriage rates, financial instability, and isolation. Planning for long-term care, exploring options like reverse mortgages, and seeking assistance from organizations can provide support. Asking for help takes courage and persistence in navigating complex financial and health challenges.

Read more at Yahoo Finance: I’m in my 60s and disabled. Do I impoverish myself to qualify for Medicaid?