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Rachel Fortenberry

Fortified Elder Law

Rachel Fortenberry

Fortified Elder Law

Rachel Fortenberry

Fortified Elder Law

Becoming an elder law attorney has allowed me to find my life’s work: helping clients preserve their life savings. My greatest joy as an attorney has been to help keep a spouse from losing everything just because they can no longer keep their loved one at home. Oftentimes, my clients have been neglecting themselves and their own health because of the mistaken belief that they cannot afford to place their spouse in a nursing home. Others have spent almost every dime to keep someone at home. These are the clients that I love to help.

I was born and raised in Rogersville, Missouri, graduating from Logan-Rogersville High School in 2006. I stayed local for college, earning a full ride from Missouri State University. I graduated cum laude in 2010 with my Bachelor’s in Global Studies/Political Science. I was lucky enough to attend Case Western Reserve University with a full scholarship as a Hugo Grotius Scholar and Frederick K. Cox International Center Fellow. I was also chosen during that time to serve as a member of the University’s Honor Court and Community Standards Board, based on faculty recommendations for students with high moral character.

I started my career as an Assistant Prosecuting Attorney in Christian County, where I spent practically every day in the courtroom. I prosecuted a large range of offenses, starting with traffic tickets and misdemeanor assaults, moving on to DWI and manslaughter cases, and finally taking over the felony property crimes cases loads for my last year, which included burglary, robbery, as well as financial exploitation of the elderly.

I was lucky enough in 2020 to find what I feel like is my work’s life purpose, which is to help clients navigate the Medicaid and long-term care process. I was fortunate to be trained by local attorney Sativa Boatman, who mentored me through my first Medicaid files. During my first two years, I was able to save my clients over $2 million from being drained by the nursing home.

In my spare time, I enjoy spending as much time as possible with my best friend and husband, Brad. I also give back to the community through the Junior League of Springfield, of which I am currently a non-voting member of the board as Parliamentarian. I also serve on the board for Hospice Foundation of the Ozarks and am a committee member for The Walk to End Alzheimer’s. I’m a member of the Springfield Metropolitan Bar, the Greene County Estate Planning Council, and Southern Missouri Women’s Lawyers.

Firm Description

At Fortified Elder Law, we specialize in Medicaid planning and long-term care planning for the future and for people and families in immediate need of assistance, also known as “Medicaid crisis planning.” With the proper estate planning (Trusts, Wills, Powers of Attorney, and Medicaid planning advice), Fortified Elder Law can protect your hard earned life’s savings from being drained by the Nursing Home or being taken by the state. If a loved one is soon to be or is already in the nursing home, we can typically save everything to a healthy spouse or preserve half of your nest egg to your family. We seek to empower our clients to protect their legacy AND their future.

Hours

Day From To
Monday 9:00 AM 5:00 PM
Tuesday 9:00 AM 5:00 PM
Wednesday 9:00 AM 5:00 PM
Thursday 9:00 AM 5:00 PM
Friday 9:00 AM 5:00 PM

Cost

What Is an Elder Law Attorney?

Main Office

2452 E Madrid Avenue
Springfield, MO 65804

On the web

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Medicaid 101
What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

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How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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What Medicaid Covers

In addition to nursing home care, Medicaid may cover home care and some care in an assisted living facility. Coverage in your state may depend on waivers of federal rules.

READ MORE
How to Qualify for Medicaid

To be eligible for Medicaid long-term care, recipients must have limited incomes and no more than $2,000 (in most states). Special rules apply for the home and other assets.

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Medicaid’s Protections for Spouses

Spouses of Medicaid nursing home residents have special protections to keep them from becoming impoverished.

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Medicaid Planning Strategies

Careful planning for potentially devastating long-term care costs can help protect your estate, whether for your spouse or for your children.

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Estate Recovery: Can Medicaid Take My House After I’m Gone?

If steps aren't taken to protect the Medicaid recipient's house from the state’s attempts to recover benefits paid, the house may need to be sold.

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Help Qualifying and Paying for Medicaid, Or Avoiding Nursing Home Care

There are ways to handle excess income or assets and still qualify for Medicaid long-term care, and programs that deliver care at home rather than in a nursing home.

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Are Adult Children Responsible for Their Parents’ Care?

Most states have laws on the books making adult children responsible if their parents can't afford to take care of themselves.

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Applying for Medicaid

Applying for Medicaid is a highly technical and complex process, and bad advice can actually make it more difficult to qualify for benefits.

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Alternatives to Medicaid

Medicare's coverage of nursing home care is quite limited. For those who can afford it and who can qualify for coverage, long-term care insurance is the best alternative to Medicaid.

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ElderLaw 101
Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Estate Planning

Distinguish the key concepts in estate planning, including the will, the trust, probate, the power of attorney, and how to avoid estate taxes.

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Grandchildren

Learn about grandparents’ visitation rights and how to avoid tax and public benefit issues when making gifts to grandchildren.

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Guardianship/Conservatorship

Understand when and how a court appoints a guardian or conservator for an adult who becomes incapacitated, and how to avoid guardianship.

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Health Care Decisions

We need to plan for the possibility that we will become unable to make our own medical decisions. This may take the form of a health care proxy, a medical directive, a living will, or a combination of these.

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Long-Term Care Insurance

Understand the ins and outs of insurance to cover the high cost of nursing home care, including when to buy it, how much to buy, and which spouse should get the coverage.

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Medicare

Learn who qualifies for Medicare, what the program covers, all about Medicare Advantage, and how to supplement Medicare’s coverage.

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Retirement Planning

We explain the five phases of retirement planning, the difference between a 401(k) and an IRA, types of investments, asset diversification, the required minimum distribution rules, and more.

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Senior Living

Find out how to choose a nursing home or assisted living facility, when to fight a discharge, the rights of nursing home residents, all about reverse mortgages, and more.

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Social Security

Get a solid grounding in Social Security, including who is eligible, how to apply, spousal benefits, the taxation of benefits, how work affects payments, and SSDI and SSI.

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Special Needs Planning

Learn how a special needs trust can preserve assets for a person with disabilities without jeopardizing Medicaid and SSI, and how to plan for when caregivers are gone.

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Veterans Benefits

Explore benefits for older veterans, including the VA’s disability pension benefit, aid and attendance, and long-term care coverage for veterans and surviving spouses.

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