Massachusetts Estate Planning & Asset Protection Blog

Massachusetts Elder Law Attorney | What is a "But For" Letter?

Posted by Massachusetts Estate Planning & Elder Law Attorney, Dennis B. Sullivan, Esq., CPA, LLM on Mon, Dec 24, 2012

We talked last week about MassHealth’s transfer penalty, but what exactly is a “but for” letter?  As I explained , the MassHealth penalty doesn’t start when the transfer of assets is made, but only after the other requirements are met, meaning the application is filed and all MassHealth, attorney, elder lawthe other MassHealth requirements are met.   A “but for” letter is the written communication from MassHealth stating that but for the transfer penalty you would have been eligible to receive benefits.  It tells you exactly when the penalty starts and how long it will be.  The State will not pay for your care during the time frame of the penalty.  You’ll need to find other means to pay for the care.

Click here to get a free sneak preview of the “Senior and Boomer’s Guide to Health Care Reform & Avoiding Nursing Home Poverty”, which contains information on how Massachusetts Seniors and Boomers will be impacted by the Affordable Care Act!

At the Estate Planning & Asset Protection Law Center of Dennis Sullivan & Associates, we help people and their families concerned with losing their homes and life savings to increasing medical and nursing home costs, taxes and the costs and time delays of probate. We also protect clients from losing control of their own health and financial decisions.

describe the imageWe encourage you to attend one of our free educational workshops to learn more about our process and what you can do to enhance the security of your spouse, home, life savings and legacy. To register for a seat at an upcoming workshop call (800) 964-4295 (24/7) or register online at

Tags: MassHealth, Elder Law, Attorney, caregiver, home, but for, letter, Massachusetts, health, legal

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