For families facing the reality of long-term care, the financial questions can be overwhelming. Too often, families believe they must spend every dollar they have before their loved one can qualify for Medicaid. According to Charlotte Hooten, an administrator at Fair Haven Nursing Home, that misconception costs families years of security—and unnecessary stress.
“It is approved by the state. It’s approved by Medicaid,” Hooten said of Alabama Family Trust. “Medicaid loves people to use the AFT.”
A Common and Costly Mistake
In her role at a nursing home, Hooten sees families every day who are unprepared for the financial realities of long-term care.
“They’ll come in and say, ‘My mom has $200,000,’” she explained. “I’ll see you in several years.”
Those “several years” often mean families spending down hard-earned savings—money that could have been protected, preserved, and used to enhance their loved one’s quality of life.
The mistake isn’t having assets. The mistake is waiting too long to plan.
How Alabama Family Trust Helps
Alabama Family Trust (AFT) allows families to place assets into a trust, helping individuals become eligible for Medicaid without first exhausting everything they’ve saved.
Because AFT is approved by the state of Alabama and recognized by Medicaid, it provides a legitimate, compliant way to plan for long-term care while protecting assets for future needs.
These protected funds can later be used for items and services that Medicaid doesn’t cover—things that bring comfort, dignity, and quality of life to nursing home residents.
Timing Matters More Than People Realize
One of Hooten’s strongest messages to families is simple: don’t wait.
“Don’t wait until they’re out of money before you come see someone that can help you set up an AFT,” she said.
Planning early gives families options. It allows them to make informed decisions rather than rushed ones, and it prevents unnecessary financial loss during an already emotional time.
Peace of Mind for Families
Long-term care is never just about finances — it’s about protecting your loved one and honoring what they’ve worked for their entire life. Alabama Family Trust exists to help families do just that, with guidance, compassion, and a deep understanding of Medicaid rules.
If you or a loved one needs long-term care now or in the future, talking with Alabama Family Trust sooner rather than later can make all the difference.
Because planning ahead means preserving dignity, resources, and peace of mind.
Charlotte Hooten shares her recommendation to use AFT in a video you can watch here.
