Yesterday my client was informed by a Medicaid case worker that the $6,500 fee that they paid me for planning their estate was a "rip-off."  Under the case worker's analysis, the client should return all transferred assets, spend down all of the parent's money, and when the assets got down to $4,000, they will qualify for benefits.  Under the plan that we designed for the client, they were able to keep over $150,000 in assets and qualify their parents for Medicaid immediately.  $4,000 vs $143,500 ($150,000 – $6,500 fee).  Exactly who is ripping who off?  The moral of this real life story:  Beware Medicaid workers bearing advice.