John R Frazier JD, LL.M., PLC

John R Frazier JD, LL.M., PLC Attorney Frazier has helped 3,000+ people with Medicaid Planning thus avoiding going broke in a nursing home. Others with estate planning and VA benefits.

09/02/2026

Can Retirement Accounts Be Protected for Medicaid?

Retirement accounts are treated differently depending on the state. Learn how certain retirement assets may qualify for exemption and why state-specific rules matter.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

09/01/2026

How Life Insurance Affects Medicaid Eligibility

Not all life insurance policies are treated the same for Medicaid purposes. Term policies with no cash value are generally exempt, while policies with cash value may count as assets depending on the face amount. Understanding these rules can make a significant difference when planning for Medicaid eligibility.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

One car of any value may be exempt under Florida Medicaid rules. John Frazier explains that some valuable property can r...
08/30/2026

One car of any value may be exempt under Florida Medicaid rules. John Frazier explains that some valuable property can remain protected when the application is handled correctly.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

08/29/2026

Hidden Assets Can Create Medicaid Problems

Overlooked assets can complicate the Medicaid application process. Learn why a complete asset review is critical and how forgotten life insurance policies can affect eligibility.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

Florida may allow certain retirement accounts to remain exempt from Medicaid asset limits. John Frazier explains how reg...
08/28/2026

Florida may allow certain retirement accounts to remain exempt from Medicaid asset limits. John Frazier explains how regular payments from an IRA or 401(k) may help meet the requirements.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

Term life insurance without cash value may not count against Medicaid asset limits. John Frazier shares why the type and...
08/27/2026

Term life insurance without cash value may not count against Medicaid asset limits. John Frazier shares why the type and structure of a policy matter more than many families realize.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

08/26/2026

When Does a Home Qualify as an Exempt Medicaid Asset?

A home may be protected for Medicaid purposes, but certain requirements must be met. Learn how residency and intent to return home can impact eligibility.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

08/25/2026

When Does a Home Qualify as Medicaid-Exempt?

In Florida, a home may qualify as an exempt asset for Medicaid purposes, but specific rules apply. One key requirement is demonstrating an intent to return home. For individuals already living in a care facility, meeting that requirement may involve returning to the property and living there for a period of time before it can receive exempt status.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

A family home may be protected even when someone applies for long-term care Medicaid. John Frazier shares how ownership,...
08/24/2026

A family home may be protected even when someone applies for long-term care Medicaid. John Frazier shares how ownership, residency, and the intent to return home can affect that protection.

Click the bio link to listen to the full episode.
https://bio.link/johnfrazier

Irrevocable funeral or cremation contracts may be protected during the Medicaid application process. Careful planning ca...
08/23/2026

Irrevocable funeral or cremation contracts may be protected during the Medicaid application process. Careful planning can help families prepare for future costs without creating another countable asset.

Click the bio link to watch the full episode.
https://bio.link/johnfrazier

Address

10225 Ulmerton Road Bldg. #11
Largo, FL
33771

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Wednesday 9am - 8pm
Thursday 9am - 8pm
Friday 9am - 8pm

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