I was wondering. I have been told that you can dodge a medicaid spendown a couple different ways. I was wondering if we shoud help clients do that or just sell them a LTC policy. If we do help them hide the assets then that is just depleting funds of the people who actually need it. So, what should we do? I don't know if this is actually fact but I heard you could have a ILIT and medicaid cannot touch the ILIT if you go into a spend down. If that is true, then that would be a great way to keep assets with out purchasing LTC. Great commission for the agfent but very bad for the government.