Carrier Law

Carrier Law Carrier Law is devoted to providing clients with high quality, personalized estate planning and elder law services. Father of 4. Oldest brother of 8. Been there.

Register for a FREE Workshop here: https://linktr.ee/davidcarrierlaw

Happily married. Done that. Bartender. Farmer. Mechanic. Lawyer for over 30 years. Graduated Notre Dame. Two law degrees: J.D., Boston University School of Law. Master of Laws, Taxation, Georgetown University Law Center. Captain, U.S. Army. Jumped out of perfectly good airplanes for my country. Airborne! Years of Pentagon duty.

Years of big firm time. 30 years practicing law my way. Over 8000 families with solid LifePlanning™. Millions of dollars in life savings preserved, protected, defended from probate, excess taxes and nursing home poverty.

TOMORROW - Don't miss out: The Medicaid and Estate Planning Mistakes Families Don’t See Coming - (FREE) Online Workshop,...
06/02/2026

TOMORROW - Don't miss out: The Medicaid and Estate Planning Mistakes Families Don’t See Coming - (FREE) Online Workshop, June 3rd (details below)

Most families don't lose their life savings to bad investments.

They lose it to long-term care costs they never saw coming.

😟 Nursing home care runs $12,000–$15,000 a month in Michigan. Assisted living: $6,000–$8,000. And 70% of us will need it at some point.

📄 Your will doesn't protect you from that. Neither does your financial advisor.

🗓️ This Wednesday, June 3rd from 2:00–3:30 PM, we're hosting a free virtual workshop where Michigan families are learning exactly how to protect their life savings from long-term care costs — and how AI tools are making smarter planning more accessible than ever.

In 90 minutes you'll learn:
✔ The 5 threats to your life savings most families never see coming
✔ How married couples can legally protect 90%+ of their assets
✔ How single individuals can protect 40%+ — yes, really
✔ What your lawyer and financial advisor don't know — and won't tell you

💻 It's free. It's on Zoom. And seats are limited — this one fills up.

👉 Reserve your free seat now: carrierlawworkshops.com

⏰ Wednesday, June 3rd · 2:00–3:30 PM · Free Zoom Webinar

Two hours that can change everything for your family.

📞 (616) 361-8400 | davidcarrierlaw.com

The C-Ration Principle 🪖 During his Army years, David Carrier learned something in the field that has shaped his legal p...
06/01/2026

The C-Ration Principle

🪖 During his Army years, David Carrier learned something in the field that has shaped his legal practice for thirty years.

🥫 The C-Ration — canned combat food — was the government's solution to soldiers needing to eat in the field. It kept you alive. It wasn't good. Nobody chose it when there was another option. But in the field, there was no other option. You ate the C-Rat.

💡 Medicaid is the C-Ration of long-term care.

📊 Fact: most Americans cannot afford $6,000–$15,000 per month for long-term care. Fact: life savings evaporate faster than most people believe — families with hundreds of thousands in savings go broke every year. Fact: when the savings are gone, Medicaid — the government solution — kicks in.

🤔 Here's the question David has been asking for three decades: why should you have to go broke first to access a program you've been paying for your entire working life?

🍶 The smart soldier brought Tabasco to the field. Not to avoid the C-Ration — there's no avoiding the C-Ration. But to make it better. To supplement the government solution with something personal, something chosen, something earned.

🛡️ LifePlanning™ is the Tabasco. Qualify for Medicaid without spending down. Keep your savings to supplement the base level of care — a private room, better aides, the choices that matter. You paid for the government solution. You don't have to settle for it as the only solution.

If you have estate planning, caregiver, or elder law questions and want to understand more, our door is always open. Please feel free to check out our homepage (https://davidcarrierlaw.com/) and share your questions or thoughts with our AI chat agent which is created and trained to provide ideas and direction to help you.

Or, just give us a call to talk to someone who cares and wants to help you - get in touch by calling us at 616-361-8400.

Most families don’t lose everything because they were irresponsible.They lose everything because nobody explained the ru...
05/29/2026

Most families don’t lose everything because they were irresponsible.

They lose everything because nobody explained the rules until it was too late.

💰 Long-term care costs are now one of the greatest financial threats facing American families — and most people are completely unprepared for how fast those costs can consume a lifetime of savings.

The frightening part?

Many families are relying on advice and planning strategies that were never designed for ordinary people in the first place.

So many people enjoyed and benefitted from our last webinar, we’re hosting ANOTHER free virtual workshop:

⚖️ The Medicaid and Estate Planning Mistakes Families Don’t See Coming

📅 Tuesday, June 3rd
⏰ 2:00 PM – 3:30 PM
💻 Free Virtual Workshop via Zoom
👥 Limited to 500 Participants (please hurry, because this event fill up fast)
RSVP: carrierlawworkshops.com

During this workshop, we’ll discuss:

✓ The hidden threats to your savings and retirement
✓ Why traditional financial planning often fails during long-term care crises
✓ How married couples may protect 90%+ of assets
✓ How single individuals may protect 40%+
✓ What many mainstream advisors simply don’t know about Medicaid and asset protection planning
✓ How AI-powered tools can help families identify risks before disaster strikes

This is not fear-mongering.

It’s reality planning.

And the families who plan before the crisis almost always have more choices than the families who wait until after it begins.

Reserve your free seat here:
carrierlawworkshops.com

Or feel free to give us a call at: 616-361-8400

TOMORROW - Don't miss out: The Medicaid and Estate Planning Mistakes Families Don’t See Coming - (FREE) Online Workshop,...
05/26/2026

TOMORROW - Don't miss out: The Medicaid and Estate Planning Mistakes Families Don’t See Coming - (FREE) Online Workshop, May 27th (details below)

Most families don't lose their life savings to bad investments.

They lose it to long-term care costs they never saw coming.

😟 Nursing home care runs $12,000–$15,000 a month in Michigan. Assisted living: $6,000–$8,000. And 70% of us will need it at some point.

📄 Your will doesn't protect you from that. Neither does your financial advisor.

🗓️ This Wednesday, May 27th from 2:00–3:30 PM, we're hosting a free virtual workshop where Michigan families are learning exactly how to protect their life savings from long-term care costs — and how AI tools are making smarter planning more accessible than ever.

In 90 minutes you'll learn:
✔ The 5 threats to your life savings most families never see coming
✔ How married couples can legally protect 90%+ of their assets
✔ How single individuals can protect 40%+ — yes, really
✔ What your lawyer and financial advisor don't know — and won't tell you

💻 It's free. It's on Zoom. And seats are limited — this one fills up.

👉 Reserve your free seat now: carrierlawworkshops.com

⏰ Wednesday, May 27th · 2:00–3:30 PM · Free Zoom Webinar

Two hours that can change everything for your family.

📞 (616) 361-8400 | davidcarrierlaw.com

You Cannot Give Away Your Father's Federal Benefits📄 A nursing home hands you a document. Buried in the paperwork is a l...
05/21/2026

You Cannot Give Away Your Father's Federal Benefits

📄 A nursing home hands you a document. Buried in the paperwork is a line asking you — as your father's Power of Attorney — to agree that you will not pursue Medicaid benefits on his behalf. ✋ Do not sign it.

⚖️ Federal law is unambiguous: no care facility can require you to waive your right to federal healthcare benefits as a condition of admission. It was illegal in the past. It is illegal now. Whoever presents that document is, in all likelihood, breaking federal law.

💰 Why does this matter? Because private-pay rates at nursing facilities run approximately 50% higher than Medicaid rates for the exact same care. A facility that locks you into private-pay is not looking out for your father. It is looking out for its bottom line.

🛡️ Your father trusted you with his Power of Attorney for a reason. That authority comes with a real responsibility — to act in his best interest, not in the interest of whoever is asking you to surrender his rights.

📋 Middle-Class Americans fought this fight before and won. Federal law protects you. Know it. Use it.

💡 If you are ever presented with paperwork asking you to waive Medicaid rights — yours or a loved one's — stop, call an elder law attorney, and do not sign until you understand exactly what you are giving away.

If you have estate planning, caregiver, or elder law questions and want to understand more, our door is always open. Please feel free to check out our homepage (https://davidcarrierlaw.com/) and share your questions or thoughts with our AI chat agent which is created and trained to provide ideas and direction to help you.

Or, just give us a call to talk to someone who cares and wants to help you - get in touch by calling us at 616-361-8400.

The Reverse Mortgage Trap Nobody Explains 🏡 A reverse mortgage sounds like a lifeline. No monthly payments. Stay in your...
05/20/2026

The Reverse Mortgage Trap Nobody Explains

🏡 A reverse mortgage sounds like a lifeline. No monthly payments. Stay in your home. Access your equity. What's not to like?

😟 Here's what the brochure doesn't say: the moment your spouse moves to a nursing home or memory care facility — even temporarily — the reverse mortgage lender can demand full repayment. Immediately.

💸 The house must be sold. Or refinanced. During one of the most stressful moments of your family's life, you are now also managing a forced real estate transaction with a ten-day reporting window to Medicaid.

📊 And here's where it compounds: if the sale produces more than the $9,950 Medicaid allows your spouse to keep, Medicaid benefits stop. The money must be spent down — on very specific things, under strict rules. New furniture doesn't qualify. Painting the house doesn't qualify. The government decides what counts.

💡 There are strategies — a Pooled Trust, a Medicaid Payback Trust — that can protect the sale proceeds and keep benefits intact. But they require knowing the rules exist and acting before the clock runs out.

🔑 A reverse mortgage is not automatically a bad decision. But it needs to be part of a complete plan — not a standalone move that creates an emergency three years down the road.

If you have estate planning, caregiver, or elder law questions and want to understand more, our door is always open. Please feel free to check out our homepage (https://davidcarrierlaw.com/) and share your questions or thoughts with our AI chat agent which is created and trained to provide ideas and direction to help you.

Or, just give us a call to talk to someone who cares and wants to help you - get in touch by calling us at 616-361-8400.

The State Is Waiting to Inherit From You Estate Recovery — 📝 Most people plan to pass their estate to their children. Wh...
05/18/2026

The State Is Waiting to Inherit From You Estate Recovery —

📝 Most people plan to pass their estate to their children. What they don't know is that Michigan is in line ahead of them.

⚖️ It's called Estate Recovery. When a Medicaid recipient dies, the state has the legal right to file a claim against their estate to recover what it paid for their care. The house. The savings account. Whatever is left. Michigan is coming for it.

🏠 Most states don't wait. They place a Medicaid Mortgage on the property the moment benefits begin — a lien that collects at death. Michigan has historically waited until after death. But that window is not guaranteed to stay open, and nobody knows when Michigan will decide to stop waiting.

📋 Here's what this means practically: if you or your spouse receive Medicaid benefits and your assets are not properly structured beforehand, the state becomes your largest heir. Every dollar you spent decades saving. Every mortgage payment you made. Every sacrifice.

🛡️ This is not a scare tactic. It is the law — and it has a legal, structured solution. Assets titled correctly, trusts properly funded, planning done before the crisis hits. Families who do the work keep what they built. Families who don't, fund the state's budget.

If you have estate planning, caregiver, or elder law questions and want to understand more, our door is always open. Please feel free to check out our homepage (https://davidcarrierlaw.com/) and share your questions or thoughts with our AI chat agent which is created and trained to provide ideas and direction to help you.

Or, just give us a call to talk to someone who cares and wants to help you - get in touch by calling us at 616-361-8400.

The Medicaid and Estate Planning Mistakes Families Don’t See Coming - (FREE) Online Workshop, May 27th (details below)Mo...
05/15/2026

The Medicaid and Estate Planning Mistakes Families Don’t See Coming - (FREE) Online Workshop, May 27th (details below)

Most families don't lose their life savings to bad investments.

They lose it to long-term care costs they never saw coming.

😟 Nursing home care runs $12,000–$15,000 a month in Michigan. Assisted living: $6,000–$8,000. And 70% of us will need it at some point.

📄 Your will doesn't protect you from that. Neither does your financial advisor.

🗓️ This Wednesday, May 27th from 2:00–3:30 PM, we're hosting a free virtual workshop where Michigan families are learning exactly how to protect their life savings from long-term care costs — and how AI tools are making smarter planning more accessible than ever.

✔️ In 90 minutes you'll learn:
✔ The 5 threats to your life savings most families never see coming
✔ How married couples can legally protect 90%+ of their assets
✔ How single individuals can protect 40%+ — yes, really
✔ What your lawyer and financial advisor don't know — and won't tell you

💻 It's free. It's on Zoom. And seats are limited — this one fills up.

👉 Reserve your free seat now: carrierlawworkshops.com

⏰ Wednesday, May 27th · 2:00–3:30 PM · Free Zoom Webinar

Two hours that can change everything for your family.

📞 (616) 361-8400 | davidcarrierlaw.com

You Paid For This. Why Aren't You Using It?💵 Every paycheck of your working life, money was taken out for taxes. Federal...
05/14/2026

You Paid For This. Why Aren't You Using It?

💵 Every paycheck of your working life, money was taken out for taxes. Federal. State. Medicare. Social Security. You never saw it again. You never expected to.

🎯 Here is the part most Middle-Class families never find out: a significant portion of what you paid in was funding long-term care programs that are legally available to you — right now, without going broke first.

⚖️ The system as currently designed works like this: the wealthy have attorneys who know every legal tool available and use them. The truly poor qualify for government programs immediately. The Middle Class — the people who saved, worked, and paid in — are expected to spend down everything they built before the government steps in.

😤 David Carrier has spent over thirty years saying plainly what most advisors won't: that's not fair. And more importantly — it's not required.

🛡️ LifePlanning™ is built on strict, full compliance with state and federal law. No tricks. No hiding assets. No gray areas. The same legal tools the wealthy use — scaled for real families — to qualify for Medicaid benefits without a full spend-down.

✅ Thousands of Michigan families have kept their homes, their savings, and their cottages while receiving Medicaid-funded care. The program exists. The legal structure exists. The only thing missing for most families is the information.

🔑 You played by the rules your entire life. The rules should work for you. That's not too much to ask.

If you have estate planning, caregiver, or elder law questions and want to understand more, our door is always open. Please feel free to check out our homepage (https://davidcarrierlaw.com/) and share your questions or thoughts with our AI chat agent which is created and trained to provide ideas and direction to help you.

Or, just give us a call to talk to someone who cares and wants to help you - get in touch by calling us at 616-361-8400.

The Middle-Class Deal Nobody Told You About💪 You worked. You saved. You paid your taxes, raised your kids, showed up eve...
05/11/2026

The Middle-Class Deal Nobody Told You About

💪 You worked. You saved. You paid your taxes, raised your kids, showed up every day, and did everything right.

😤 And here's how the system rewards you: the wealthy have accountants and attorneys who know every legal tool available. The truly poor qualify for government programs immediately, without spending down a dime. You — the Middle Class — are expected to liquidate everything you built before you qualify for the same programs your tax dollars funded.

🎯 That's not a conspiracy theory. That's how Medicaid is designed. You must be broke before it helps you. Spend the savings. Sell the cottage. Cash out the retirement accounts. Then — and only then — the government steps in. ⚖️ What most Middle-Class families never find out is that LifePlanning™ gives them the same deal. Not by cheating. Not by hiding assets. But by using the legal tools — the same tools the wealthy use, scaled for real families — to qualify for Medicaid benefits in full compliance with state and federal law, without spending down everything first.

📊 Thousands of Michigan families have done exactly this. Kept their homes. Kept their savings. Kept the cottage. Received Medicaid-funded care. Used their life savings to supplement the base level of care with the extras that actually matter — a private room, a better aide, the choices that dignity requires.

🔑 You played by the rules your entire life. The rules should work for you. That's not too much to ask.

If you have estate planning, caregiver, or elder law questions and want to understand more, our door is always open. Please feel free to check out our homepage (https://davidcarrierlaw.com/) and share your questions or thoughts with our AI chat agent which is created and trained to provide ideas and direction to help you.

Or, just give us a call to talk to someone who cares and wants to help you - get in touch by calling us at 616-361-8400.👉

Address

4965 E Beltline Avenue NE
Grand Rapids, MI
49525

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Tuesday 8am - 5:30pm
Wednesday 8am - 5:30pm
Thursday 8am - 5:30pm
Friday 8am - 5:30pm

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