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info@esteplawfirm.com
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9:00 am to 5:00 pm M-F
636-233-2017
info@esteplawfirm.com
9:00 am to 5:00 pm M-F
When a loved one’s health changes or long-term care becomes necessary, families often feel overwhelmed. Questions about finances, legal authority, and future care can create stress at an already emotional time. At The Estep Law Firm, LLC, we provide calm, thoughtful guidance to families throughout Kirkwood, St. Louis County, St. Charles County, and Jefferson County so you can make decisions with clarity and confidence.
Missouri’s Medicaid rules are complex and specific to our state. Working with a St. Louis County-based elder law attorney means your plan complies with Missouri law, coordinates with local care community policies, and provides access to St. Louis County elder resources.
Ideally before a crisis occurs, but even in urgent situations, meaningful options may still be available.
No. Elder law includes home care, incapacity planning, asset protection, and benefit coordination.
Yes. We proudly assist families in Kirkwood, Creve Coeur, Town and Country, St. Louis County, St. Charles County, and Jefferson County.
If you’re ready to plan ahead, or if you find yourself in need of immediate guidance, our dedicated team based in Kirkwood is here to assist you every step of the way as you navigate your next steps. Whether you require detailed advice or strategic planning, we are committed to helping you achieve your goals with expertise and support.
Missouri Medicaid has financial eligibility requirements that can feel intimidating without guidance. For long-term care benefits, an individual applicant is generally limited to approximately $6,000 in countable resources. When one spouse applies, the couple’s assets are first divided, and the healthy spouse at home may keep up to approximately $157,000 in countable assets under Missouri’s spousal protection rules. Certain assets — including a primary residence in many cases — may be exempt.
Missouri applies a five-year look-back period to asset transfers, which creates delays in benefit qualification that can cause unnecessary loss of assets if not handled properly.
Because these limits are adjusted periodically, we confirm current eligibility standards before advising any client. With careful planning, families are often able to protect far more than they initially expected.
Thoughtful planning can help families navigate these rules while preserving lifestyle, dignity, and peace of mind.
If your loved one is already hospitalized or in a nursing , time may feel short. We act quickly and thoughtfully to help protect lifestyle and dignity, and guide you through each step.
The sooner you seek guidance, the more options may be available. Schedule your Medicaid planning consultation today.
Approximately $6,000 for an individual applicant, and $157,000.00 for a healthy spouse with certain assets being exempt, though limits change periodically.
Missouri reviews transfers made within five years before applying. Certain transfers may create penalties.
Not necessarily. Many families still have meaningful options even during a crisis.
The sooner you seek guidance from a knowledgeable professional, the more options may be available to you. Don’t hesitate to take action—schedule your comprehensive Medicaid planning consultation today to explore the various avenues that can ensure your needs are met and your future is secure.
Veterans and surviving spouses may qualify for financial assistance to help cover long-term care expenses. Understanding eligibility rules can be challenging, but you do not have to navigate them alone.
VA benefits include their own three-year look-back period and financial standards. Planning must be coordinated carefully with Missouri Medicaid rules to avoid unintended consequences.
It is an enhanced pension benefit for qualifying wartime veterans who need assistance with daily living.
Yes. Coordinated planning helps protect eligibility under both systems.
Yes. We proudly serve veterans and families in Chesterfield and across St. Louis County.
Schedule a confidential veterans benefits consultation today to explore all of your options and ensure you receive the support and assistance you deserve.
We believe elder law is not just about documents and eligibility rules. It is about equipping families with knowledge, confidence, and trusted support.
Our firm is committed to continuing education for our clients and their families so you can make informed decisions at every stage of planning.
We proudly sponsor the Senior Learning Institute, supporting educational opportunities that empower older adults and their loved ones in our community.
Clients also receive access to our extensive network of carefully vetted elder community resources, including care coordinators, financial professionals, senior housing contacts, and healthcare providers throughout Kirkwood and St. Louis County.
Our goal is not simply to solve a legal issue — it is to walk alongside your family with steady guidance and meaningful support.
If you’re ready to plan ahead—or need immediate guidance—our Chesterfield-based team is here to help you take the next step.
