A Missouri nursing home Medicaid crisis
If your spouse or parent needs nursing home care, the next few decisions can change how much your family keeps. Review the Medicaid rules before you use savings, sell a home, or make gifts. We help Missouri families, including when care has already started.
The first call is complimentary. Rosalind M. Robertson, an elder law attorney, takes it herself, and our goal is to return every request within one business day. If the firm recommends a plan, we explain the work and the fixed fee before you decide.
One call changes the next step
You are already carrying a lot. You should not have to work out Medicaid rules on your own while the bills keep coming.
Your savings
Before another bill is paid, we review the home, the savings, and the income, so you know what Missouri’s rules may allow your family to keep.
Your time
We tell you what to do first, then prepare the plan and file the Medicaid application to match it, so nothing works against something else.
Your peace of mind
One conversation with an attorney replaces searching late at night. You will know where you stand, what comes next, and who is handling it.
The first call is complimentary. Rosalind M. Robertson takes it herself.
Begin with your family’s situation
Medicaid planning is not just filling out forms. It begins with the family, the assets, the timing, and the people who will be affected.
Missouri Medicaid at a glance
The rules are technical, but a few figures come up in almost every nursing home Medicaid case. Here they are in plain terms.
Figures are based on Missouri Department of Social Services 2026 standards and change every year.
The cost of waiting
Nursing home bills add up fast. Each month a family waits, savings that a plan might have protected can go to the facility instead.
Based on the general experience of our clients: about $10,000 per month for private pay nursing home care.
More than a Medicaid application
For married couples
Designed to help the healthy spouse preserve the home, available savings, and financial independence while the spouse receiving care qualifies for Medicaid.
For a single or widowed person
Uses available Missouri planning options to protect the most assets allowed by law while creating a workable path to Medicaid eligibility.
For adult children and families
Helps a family make decisions, protect a vulnerable parent, and implement an organized plan when the person needing care cannot manage the process alone.
What working with us looks like
You are not handed documents and left to manage Medicaid alone. Here is how the work is organized, so you always know what happens next and who is doing it.
Rosalind M. Robertson takes the first call and learns what is happening.
You pause gifts, sales, and withdrawals until the facts are reviewed.
Stephen C. Jones reviews the full picture and explains the options.
We explain the work and the fixed fee first, then carry the plan out with you.
The application is filed to match the plan, and we follow it to a decision.
Why we do this work
My grandmother lived with Alzheimer’s for more than 15 years, and for nine and a half of them she was in a nursing home. Her body was healthy, but she no longer knew where she was or who was in the room. My grandfather grew up with almost nothing and built a comfortable retirement from a couple of gas stations he owned. I watched him spend nearly all of it on her care.
I saw what it does to a person, and what it does to a family.
I also watched my father work through the hard parts of caring for aging parents, including whether they were ready to give up control and let someone else help make decisions. Years later, when my father developed a brain tumor and was left largely paralyzed at age 69, we went through it all again. That time we were prepared, and we were grateful for it.
Rosalind has her own version of this story. Both of her grandmothers spent time in nursing homes, one with Alzheimer’s and the other after a fall. As a young adult she spent many Fridays visiting her grandmother, alongside her mother, who was there so often that she ended up helping in the activities department.
Because of this, we understand how a long-term care crisis can go wrong, and we understand how it can go right. We treat every family the way we would want ours to be treated.
Stephen C. Jones and Rosalind M. Robertson
Your attorneys
From the first conversation through planning and implementation, Stephen C. Jones and Rosalind M. Robertson stay personally involved in your matter.
Founder
Stephen watched his grandmother live with Alzheimer’s for more than 15 years, nine and a half of them in a nursing home. He watched his grandfather, who had built a comfortable retirement from his own gas stations, spend nearly all of it on her care. Years later, his father’s brain tumor put the family through the process again, and this time they were prepared. Before founding Jones Elder Law, Stephen handled high net worth estate planning at a large St. Louis law firm. Admitted in Missouri (1999) and Illinois (2006).
Elder law attorney
Rosalind spent time with both of her grandmothers in nursing homes, one with Alzheimer’s and the other after a fall, and she saw the emotional and financial toll it took on her family. She personally takes the firm’s first crisis calls. She helps families understand what may be protected and what the next step should be. Licensed in Missouri and Illinois.
Visit our St. Charles office
When it is time to meet in person, you will sit down with an attorney in our St. Charles office.
What families say
“From the first meeting, it was obvious that Medicaid planning was not something they handled occasionally. Stephen understood the rules, anticipated the problems, and explained exactly how the firm would guide us through the process. We left knowing that we had found the right people.”
“Stephen took the time to understand our family, our finances, and what we wanted to protect. He explained the recommended plan in language we could understand and answered every question we raised. We hired Jones Elder Law because we trusted that they knew exactly how to handle our situation.”
“Our situation involved a home, retirement accounts, investments, and assets titled in different names. Stephen explained why those details mattered and created a plan specifically for our circumstances. We did not receive a generic answer or a stack of documents. We received a coordinated strategy.”
Testimonials reflect the experiences of individual clients. Every matter is different, and past results do not guarantee a particular outcome.
Experience that matters when the state has questions
Our attorneys have more than 20 years of combined experience in elder law and estate planning. We have handled more than 1,000 matters involving planning, implementation, and Medicaid applications. Every case is different, and past results do not guarantee a future outcome. That experience shows in the care we take before recommending a strategy, and in how we handle the state’s review of an application.
Questions families ask first
No. Many of the firm’s Medicaid crisis matters begin after nursing home admission. What can be protected depends on marital status, assets, prior transfers, timing, and whether key transactions can still be completed.
No. Medicaid has resource rules, but those rules include protections and planning opportunities that are frequently misunderstood. Spending without a strategy may permanently consume assets that could have been protected.
Do not make a transfer before receiving advice. Most gifts made during the five-year lookback can create a penalty period. Certain transfers are exempt, and other lawful strategies may be available, but the details matter.
The firm designs the strategy, prepares the necessary legal documents, tells the family exactly what to do and when to do it, prepares and manages the Medicaid application, responds to state requests, and advocates for the family until a decision is made.
The initial call with Rosalind M. Robertson and the Vision Meeting with Stephen C. Jones are complimentary. If the firm recommends a plan, the work and fixed fee are explained before the family decides whether to proceed.
Prefer to begin online?
Complete this short form and Rosalind M. Robertson, an elder law attorney, will review your information and contact you. You do not need to understand Medicaid or know which planning option applies.
Our goal is to respond within one business day. If a nursing home payment or Medicaid deadline is approaching, call 636.493.3333.
This website provides general educational information only. It does not provide legal advice or create an attorney client relationship. Medicaid rules change and their application depends on each person’s facts and circumstances. Do not act, refrain from acting, or rely on information from this site as a substitute for advice from a qualified attorney who has reviewed your particular situation.
The choice of a lawyer is an important decision and should not be based solely upon advertisements.
© Jones Elder Law, LLC