A realistic Michigan long-term-care plan starts from the state's actual numbers: a $9,950 asset limit for one person and $14,910 for two in the relevant LTC categories, a $2,982 special income level for 2026, and a 60-month divestment review for asset transfers. Each of those figures is tied to a specific eligibility context, not a universal formula that applies regardless of program.
From there, planning in Michigan tends to center on a short list of state-specific tools: whether a Lady Bird deed fits the family's home-protection goals, how the state's probate-only recovery rule affects other assets, what spousal protections are available, and whether a Partnership-qualifying long-term-care insurance policy would add meaningful asset protection given the family's timeline and resources.